23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to express my deep frustration and concern regarding the handling of my dispute related to the XXXX XXXX account ( Account Number : XXXX ) on my credit report. I have now sent three rounds of disputes to your bureau regarding the inaccuracies on this account, and each time, the account has come back as " verified '' without any corrections being made. 

Summary of Dispute Attempts : Round 1 : I disputed the XXXX XXXX account, pointing out clear inaccuracies. After waiting for your investigation, I found that the same errors remained on my report. No changes were made. 
Round 2 : I submitted another dispute, again asking for a procedural investigation into the XXXX XXXX account. When I reviewed my report after this round, the inaccuracies were still there. Again, nothing was corrected. 
Round 3 : I sent yet another dispute, with the same request for a thorough investigation into the errors on my report regarding the XXXX XXXX account. Yet, after this third round, the inaccuracies remain. There have been no adjustments, corrections, or explanations provided. 
Specific Inaccuracy : The payment history on this XXXX XXXX account shows continuous charge-offs ( " CO '' ) for XXXX, XXXX, and XXXX, despite the account being reported as closed on XX/XX/XXXX. This is a blatant inaccuracy, as an account that was closed in XXXX should not have charge-offs listed for subsequent years. 

My Demands : It is clear to me that your bureau has failed to conduct a proper investigation into this matter, as mandated by the Fair Credit Reporting Act ( FCRA ). You did not perform your due diligence, and the inaccuracies on my report continue to harm my credit standing. 

I am demanding the immediate deletion of this XXXX XXXX account ( Account Number : XXXX ) from my credit report. The repeated failure to address these inaccuracies shows a lack of fairness in your reporting and investigative processes. 

Please take this matter seriously and provide me with written confirmation that this account will be removed from my report. If you do not comply with this request, I will have no choice but to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action if necessary. 

CC : CFPB
Product: Student loan

I believe I have Genesis loan from XXXX Colleges and would like to know if they were included in the CFPB settlement. This loan has now been transferred to another servicer XXXX XXXX XXXX XXXX XXXX 
I attended XXXX XXXX in XXXX CA.
Product: Credit reporting

1- Experian XXXX XXXX XXXX XXXX Texas XXXX phone ( this # given o the report at File Is Frozen etc. '' will not accept my calls. 2- Experian says my " File is Frozen Due to State Legislation '' but will not allow me to access the file to determine exactly what is " state Legislation '' 3- XXXX XXXX XXXX used this Experian report / data to deny me three times a " Special Deposit '' account for me, and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which I now dispute as false. 4-I told both Experian and CEO XXXX, XXXX XXXX XXXX XXXX, and others at XXXX XXXX XXXX that I am a XXXX status and thus " State legislation '' does not apply to me. ( see attached )
Product: Credit reporting or other personal consumer reports

Hello I am writing in because I found fraudulent inquiries on my account that I did not authorize. I pulled my credit report and found that these XXXX inquiries were not made by me. I attempted to reach out to these companies, but I got stuck with representatives who had no idea how to help me. I even sent them letters and no response back for weeks and weeks. I would like to have these fraudulent inquiries removed immediately. I believe I am a victim of fraud. I have no idea who would have opened these. Thank you for your help. 

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

Mariner finance sent me an unsolicited check in the mail. The terms were if you pay off within. 15 days there will be no interest. A manager told me I had 10 days, I paid off the loan in person with a cashier 's check. Now they are saying they never got the money and are reporting that I owe them along with interest. Mariner finance also entered a hard inquiry on my credit report as if I applied for a loan
Product: Mortgage

Mr. Cooper CFPB Complaint Summary The mortgage company, Mr. Cooper, failed to pay property tax bill due XX/XX/XXXX from escrow account. We called Mr. Cooper roughly six times with no resolution. Having lost confidence in Mr. Cooper to address the issue, my wife and I paid our property tax bill on XX/XX/XXXX from our personal bank account with the accrued 10 % late fee. The property tax bill was {$3800.00}. The late fee was {$380.00}. The total paid from personal bank account was {$4200.00}. Mr. Cooper failed to address the issue and in most cased failed to even acknowledge the issue. We requested our escrow account be closed on XX/XX/XXXX and received confirmation of escrow closure from Mr. Cooper on XX/XX/XXXX. We received our escrow funds on XX/XX/XXXX. However, the 10 % late fee that was paid from our personal account, not from escrow, was not refunded as was indicated it would be. 

On XX/XX/XXXX, we called Mr. Cooper and requested a refund for the 10 % late fee that we paid out of pocket. The representative at the time acknowledged that Mr. Cooper failed to pay our taxes and that the late fee was incurred. The representative acknowledged that we paid the bill out of pocket and that Mr. Cooper owed us a refund for the late fee. She gave instructions on how to request the refund, which included faxing the following to Mr. Cooper : 1 ) cover letter explaining the issue 2 ) copy of the property tax bill 3 ) property tax payment receipt showing we paid the bill with late fee. The documents were faxed on XX/XX/XXXX. No response was received from Mr. Cooper. 

Over four to six subsequent calls to Mr. Cooper, the issue was explained over and over, to a new representative each time with no prior knowledge of the case. Each representative had different responses. Some clearly acknowledged we were owed the 10 % late fee of {$380.00}, while others insisted Mr. Cooper owed us nothing. None acknowledged that a fax was received, even after verifying the fax number on the fax confirmation page. Each call ended with Mr. Cooper assuring me a refund check was coming for the late fee. Two representatives said they would call back the following day after researching, and never did. 

Again, on XX/XX/XXXX, I called Mr. Cooper to follow-up and, again, I had to explain the issue for the first time to a new representative with no prior knowledge of the case. After approximately 15 minutes the representative, XXXX XXXX agreed that Mr. Cooper owed us a refund for the 10 % late fee. He apologized and provided his email address at Mr. Cooper to follow up if we hadn't received a check in 15 business days. After waiting the recommended period, no check came. I followed up with XXXX on XX/XX/XXXX and received no response. This was the final correspondence. 

It is my believe that Mr. Cooper has no intention of refunding our late fee of {$350.00}.
Product: Credit card or prepaid card

I have already filed a complaint with you about this company in trying to reach a settlement on the account. See attached letters from company after I paid an agreed upon amount by check for settlement. Discover will not admit that the account has been settled and yet they accepted our check with this understanding.
Product: Checking or savings account

I got a wire for XXXX $ they said my deceased grandmother was still alive and said I defrauded her when shes not alive and I have every bit of proof and they are withholding my money in this process my credit score has plunged and I am homeless.
Product: Checking or savings account

On XX/XX/23, I called Axos Bank before their normal hours of operation and received a message saying there is heavy call volume. Hours later, I called right when the bank is supposedly open, but I got the same heavy call volume message. I do not want to repeatedly call throughout the day and test my luck with getting a live representative.
Product: Checking or savings account

On XX/XX/23 I lost my wallet, which had my debit card in it. I immediately went to PNC Bank to shut down the debit card and get a new one. I was told the old card was shut down and I would be credited for the {$980.00} purchase that had been made at a nearby XXXX store that day. 
The card was NOT shut down for another 2 weeks, and even tho I reported my wallet lost PNC chose to ignore that and insisted that the card was in my possession at the time of the purchase. They refused to give me back my money, without doing any investigation whatsoever. I still don't have that money, and it's been nearly 2 months. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



TransUnion Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX AD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the victims of Equifax 's XXXX  Breach and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.
Product: Debt collection

A friend had used my name as gas pull offs and went to court in my name, have about 10 total debts because of this and a XXXX on my record for it but was never able to report this for personal reasons. They are charging me taking taxes from me for this debt and its not mine
Product: Payday loan, title loan, personal loan, or advance loan

I had signed up for this company a few months back when I was teacher. I lost my job XXXX months ago and pushed my loan repayment off. I recently just started another job and opened a new account. This company without permission or authorization, somehow found my account that was never given or linked to them to take money from it which was bill money. I dont understand how they can even do that when real banks do not even do that. I did not authorize the payment or give them access to my new account so I honestly do not know how they got that information and I will be investigating further on that specific part of the incident. My complaint is that they went into an account I never gave them access to to take money that was not authorized and they are not being helpful. The government does not even steal money and access accounts without permission. I NEVER GAVE THEM MY ACCOUNT INFORMATION so how were they able to find it and access? I am also filing a police report for theft.
Product: Credit card or prepaid card

I used the wrong bank account to pay a bill, when I alerted them and told them to STOP and I will pay from a different account, they said their system tries to automatically withdraw it 3 times. Each time Citi tried to withdraw from my bank would incurr a {$30.00} fee for insufficient funds. I tried to pay the bill online but CITI 's system won't allow overage pay, so I couldn't do that either. In the end, I was out {$90.00} in fees from my bank, {$29.00} in fee from Citibank.
Product: Student loan

Still being forced tobmake payments even while in school. They still reported my loan as not being paid on my credit.
Product: Student loan

I was pressured to sign up for these loans while on XXXX and a single mother of XXXX children. The school closed while I was enrolled! I was not able to complete my education but 15 years later I am being sent threatening letters from a collection agency. XXXX sold my debt to National Enterprise Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Lease and Rental ( now auto use auto loan ) continues to report inaccurate information to my credit report. I requested the company to supply me with all information regarding the account and sent a validation letter. The company has not responded to any of my requests and I have mailed multiple letters. The company does not delete the account from my credit reports and continues to report inaccurate information. Recently the creditor updated the account from a dispute and caused my fico score to drop 21 points because it calculates a missed payment although I have not missed a payment in over 2 years. This drop in score has disqualified me for a pre-approval for a mortgage and leaves me at risk for being homeless because my landlord is selling the building and future buyers may require my family to vacate.
Product: Checking or savings account

XX/XX/2022, my wallet was stolen in the area of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, at approximately XXXX XXXX XXXX XXXX XXXX, I realized the wallet was missing and began calling PNC and other credit card companies. At the time, PNC was my bank and I had XXXX active debit card for XXXX account at the bank. By XXXX, PNC had already allowed a purchase for {$980.00} at XXXX XXXX, despite the thief not having my PIN number. I immediately disputed the charge and provided a XXXX Police Department report number to PNC regarding the theft of the wallet. It took XXXX days, but PNC reimbursed me for the {$980.00}. The debit card was cancelled immediately on XX/XX/2022 and another was issued. I received and activated the new debit card on about XX/XX/2022. 
On XX/XX/2022, an unknown and unauthorized person went to a PNC bank branch in XXXX and apparently presented my stolen identification. Despite the fact that the user did not possess my account number, PNC bank provided the account information to them and allowed them to withdraw {$1900.00}. On XX/XX/2022, I noticed the transaction and immediately reported it to PNC Bank. I filed another police report and worked with the XXXX Police Department who went to the bank branch to obtain video footage of the criminal. But, the detective learned that PNC bank provided this {$1900.00} to a person who was in the drive-through of the bank and there were no video cameras in XXXX XXXX through. I called PNC every day for XXXX days, and I personally went to the bank branch on XXXX XXXX where I was shown a copy of the withdrawal slip with my forged signature. The account number was on the withdrawal slip ; therefore, the teller had to have provided that information to the criminal. 

I was told it would take no less than 60 days to receive a refund of the stolen money. I called PNC twice more and then visited the PNC Bank on XXXX XXXX where the matter was escalated. At the time, I was told it would take 120 days to receive a refund of the money that was stolen. I offered any assistance to the investigation, but no investigator from PNC has contacted me to date. 

On XX/XX/2022, a PNC customer rep emailed me and apologized for not having an update on my claim and said he was having trouble getting in touch with the investigators at PNC. 

PNC has committed, at best, gross negligence. And I cant pay my bills because they wont return the XXXX they have to a criminal.
Product: Consumer Loan

I took out a car loan 5 years ago through santander consumer u.s.a. I have been making payments of {$330.00} for  XXXX  years. My original price for my car loan was just over {$14000.00} and I took out a 72 month loan. I have given this company over {$18000.00} and my balance states that I still owe over {$7000.00}. Last year I inquired as to why my principle was still so high and they informed me that my interest rate fluctuated based on when I made my payment. I looked over the paperwork and it says in there what my interest rate is, which was about 18 %, and it does say it can vary but it says no where in there how they determine the interest rate. So if I was a day late they could jack up my interest rate to the max after  one day l ate. They also reported my payment late for several months even though I have a chat record that says I was never late. They have been preying on my families finances and now I have a car that is at leas t   XXXX   XXXX   under  appraisal and I have no end in sight for my loan payments. I have several chat transcripts that displays their incompetence. I have also requested them several times to send me everything that pertains to my contract and each and every time they send me my payment history and that is it.
Product: Debt collection

This collection company is reporting a collection on my credit report. I mailed them a certified/return receipt letter on XX/XX/2023 requesting that they provide me debt validation including and agreement with my signature, date of alleged debt, date of original charge off, verification that the debt was assigned to the collector, proof that they are licensed in Florida, and affidavit that the statute of limitations has not expired. 

They did not send any of the requested information and only provided a copy of a bill from their supposed client with my name on it, but nothing in accordance with the Fair Debt Collection Practices Act, 15 USC within the 30 days as required. 

I then followed up with another certified/return receipt letter on XX/XX/2023 reminding them that they are required by law to provide me the validation that I have requested within XXXX days and that a copy of a bill is not a validation of debt. The letter went unanswered. 

I have requested that they remove this as they are unable to validate the debt but they have not responded and continue to report the debt.
Product: Checking or savings account

I was scammed and they bank says I owe the $ XXXX when they allowed the funds to be transfered out of my account and those same funds were redacted by the scammers days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to get my credit report and have Equifax change my name. They have my name as XXXX XXXX XXXX and my correct name is XXXX XXXX, XXXX. I tried to contact them today and the person I spoke to asked for my bank information, credit card information and balances on accounts. I couldn't understand the person I was talking to but proceeded to give him all the information. He said he couldn't verify my identity with all the information I gave him. I asked if I could please speak to a supervisor and he said he would not connect me because he has a certain amount of information that he can collect which I gave him and he wouldn't verify my name. I also asked for my credit report which I get free once a year and he declined to send it. The other credit agencies are more than willing to send my information and also have my name correctly. Also, the other credit companies have my credit score considerably higher than Equifax. They have been the source of many problems when I am dealing with credit. I can't seem to get my concerns addressed and find this as my only recourse. I hope you will take the appropriate actions to get my name corrected. I have several proofs of identification listing my name as XXXX XXXX, XXXX ( No middle name ) Not XXXX XXXX XXXX. Thanks for your prompt response.
Product: Checking or savings account

On XX/XX/2022 a transaction was disputed and returned to my account on XX/XX/2022. However the refund has not been refunded through Chime. I contacted Chime only to be snuffed. I was transfer between five departments, I verified my identity XXXX times, and was on hold for over 30 minutes. I was then told by a supervisor that she could not verify my identity. Chime bank customer support is ridiculous.
Product: Credit reporting or other personal consumer reports

Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX-I didnt authorize these companies to submit these inquiries.im disputing these inquiries and want them removed from my credit report.Please have these unapproved inquiries removed from my credit report with in 30 days as it is harming my ability to obtain new credit, job ventures ect.I would like a copy of my credit report once this matter is resolved.Credit companies treat inquiries like they are statement of facts and will not let consuers to dispute them.Since it is against federal law ( fair credit reporting act 15USC S 1681 n ( A ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissable purpose. I am writing toinquire as to thee alleged purpose to do so sice i did not apply or request credit from this or thier organization.Based on evidence those inquiries were obtained under false pretenses and kowing without permissable purpose, actual damages substained {$1000.00} which ever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX