23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to XXXX, Transunion, and XXXX. I have multiple errors on my reports, missing information and information that needs to be removed. I also have a " derogatory mark '' on my reports but does not say who it's from nor will they tell me. I reached out to my creditor and they told me they sent letters 3 times to XXXX, Transunion and XXXX  to have the collection removed. Once again I do not know what the derogatory mark is on my report. I would like it removed asap. I also have 7 hard inquires on my report. I want them removed as well. XXXX, Transunion and XXXX  are not doing their job. I am very dissatisfied with their lack of knowledge and their poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see there is a XXXX XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response XXXX  REPORTING AS A CHARGE OFF
Product: Mortgage

I have a mortgage with M & T Bank. I have gone through bankruptcy and have had a modification. A program I thought was suppose to make home affordable. Instead, my mortgage continues to increase and I am not understanding why that is. I want and need to know if M & T Bank is acting accordingly when it comes to my mortgage.
Product: Prepaid card

Applied for unemployment in XXXX of 2023. I was told my XXXX XXXX checking account was not recognized by connecticut department of Labor along with a few other checking accounts. I decided to use the XXXX XXXXXXXX  instead. I was told I could withdraw funds from any institution. However that was not the case I was given error codes trying to withdraw deposited funds. I called in on numerous occasions and was hung up on. When I finally got a representative I was told I had a daily limit of {$1500.00}. Every time I tried to withdraw at a atm the transaction was declined. I went into a XXXX XXXX XXXXXXXX on or around XX/XX/XXXX in which again the card was declined. I was given an option of a cash advance to remove funds which could be processed for a fee. I was told by representative that I could go to any US bank branch to withdraw account balance. I traveled 2 hours to a US bank on XX/XX/XXXX to be told that XXXX XXXX is a Subsidiary US bank. US bank could only perform a card advance for a fee. I was told I was not the only one experiencing this issue. Please advise
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time
Product: Credit reporting, credit repair services, or other personal consumer reports

I had tried to get items removed because of wrong addresses name misspelled, names I never used they updated them and still wrong
Product: Vehicle loan or lease

In XX/XX/XXXX a vehicle was purchased through XXXX XXXX. I lost my job in XX/XX/XXXX due to a XXXX XXXX XXXX. The vehicle was pulled out of my grandmother 's yard leaving prints. The car was then sold. I then saw on my credit file that a little one XXXX was owed. It then went up to XXXX and now over 20k yet it shows charge off/profit/loss on my credit file yet this amount still keeps growing. If this is a charge off how can the amount keep growing with no vehicle. Plus this company keeps re aging and showing up as if it is current.
Product: Debt collection

6 months ago a collection agency named mrs. Bpo reported a XXXX dollar debt to my credit report all 3 bureaus I've never heard of them they never gave me the right to dispute they just put it on my credit. It's not even mine. There's no account number on credit report either. They have no information on the debt at all and are not willing to remove it.
Product: Vehicle loan or lease

Ive taken my car in on several occasions with XXXX refuses to fix my vehicle. I purchased the car and tire pressure light, engine light, fuses were out, breaks were squeaking. I've taken my car to 2 different dealerships. They refuse to fix issues that have gone in more than 1 time for. The last dealership didnt look at the current issues again, my car stopped in the middle of the intersection I was almost rear ended with my XXXX XXXX XXXX. The break pedal squeaks, brakes squeak bad, gears get stuck, rim is cutting tire from the inside, engine was rattling. The dealer told me no issues refused to look at issues to my car. Threatened to call the police for their loaner. Thats all they were worried about is the loaner. The general manager was rude and unprofessional, cut me off. You pay for a car, you expect the vehicle to work properly. Neither dealership would fix the problems. Its really unfortunate, they hassle and bug for you to buy and once its done, they could care less about the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card

For the last two weeks I get at least two phone calls a day from Chase. When I answer the phone, they hang up. I feel Iam being harassed by this company.
Product: Credit card

I have a XXXX XXXX XXXX, operated by Wells Fargo. The app will not allow me to enroll in autopay without using a Wells Fargo online account. Because I do not have any checking account or credit card with Wells Fargo, I had to create an account to do this. Despite following directions and creating the account, technical issues with Wells Fargos website prevent me from being able to log in and enroll in autopay ( I reach a screen saying to call their account support, which I have done on at least XXXX separate occasions over the last year, only to be transferred between departments and receive no resolution after hours on hold ). The app provides no notice of payment due date ( as all my other banking apps do ), and I have been charged for late payments on multiple occasions as a result of not having autopay set up and not being able to enroll. After working with customer service to reset my username and password, it is still not allowing me to enroll and I was told there was no further support they could provide besides mailing me a form to complete and send back to enroll. The barrier to enrolling in autopay is unreasonable and feels intentional to take advantage of consumers and collect on forgotten / late payments by not reminding consumers of upcoming bill due dates. I think XXXX / Wells Fargo should be investigated for thisthey should be helping consumers pay bills as simply as possible, but instead have made it nearly impossible to do so.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXX XXXX is, this fraudulent account need to be remove from my report because it's hurting my personal finance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited XXXX in exchange for crypto-currency on BLOCKCHAIN.COM. This transaction along with the next 3 transactions were not sent to the wallet address that I provided. I have emailed them everyday since and submitted numerous support tickets as to why my funds have not been made available to the blockchain. This company does not offer phone support only online. I have had XXXX response from them since XX/XX/XXXX. I have submitted a handful of emails will be of our conversations. I am attaching 5 out of 40 emails that have been shared back and forth. You will see the negligence the support staff has for their customers and the inconsistent transparency to why my funds are still in their possession. It has been a month and my funds have been pretty much stolen from me. I have transaction history and pictures to show my crypto is still " sending ''. I feel that they have scammed me out of my money and have offered XXXX support or visibility into what is going on. I would like my last 5 transactions refunded to me immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion Credit Reporting Agency to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the immediate blocking and removal of fraudulent information appearing on my consumer credit report. This information includes four fraudulent accounts resulting from identity theft and fraud, specifically two XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attached is FTC Identity Theft Affidavit XXXX XXXX as proof of these fraudulent activities. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand the removal of these fraudulent items and cessation of all related collection activity within four ( 4 ) business days of receiving this complaint to avoid further legal action or regulatory escalation.
Product: Student loan

To whom it may concern, I recently had my loans switched from XXXX to XXXX XXXX XXXX. This switch is due to me working for a non-profit organization and working towards the public loan forgiveness. Upon verification of my employment, I received a letter from the XXXX XXXX XXXX dated for XX/XX/XXXX. This letter provided information stating that I qualified to participate in the forgiveness program and they'd be contacting my current Loan provider for a transfer of my loans. Throughout this process there was no communication from the company. I would try to call, and would be on hold for anywhere between 10-30 minutes, and still not receive a response. I did not have time to wait longer than 10 minutes due to my work schedule, and their hours of availability. A few days before my XX/XX/XXXX payment to XXXX was due, the loans were transferred and I was unable to make that month 's payment. I sent an online question to the XXXX  XXXX to request an update and how to make a payment, and did not receive a response. I never received anything in the mail and/or e-mail. I continued to check my XXXX XXXX account online and it had no information. I sent 2 messages in XX/XX/XXXX with a general response of " thank you for contacting us. In response we wanted to share what others found useful ''. But did not receive an actual response until XX/XX/XXXX "  welcoming '' me to XXXX  XXXX. At that time, I logged into my account again, to find my account to be delinquent, at an interest rate of 6.25 % instead of 6 % ( which it should be for direct deposit ), with an unpaid interest amount of {$260.00}. The amount also shows that my payment is past due by 18 days, and that it could be reported to credit agencies. At that time, I review the paperless inbox, which has 3 letters, all dated for XX/XX/XXXX. One is welcoming me to the program, one is asking for me to pay my past due amount, and how my privacy is protected. I tried to call them, again, and the recording said I may have to wait for 10-15 minutes for a response, and I was on-hold for 25+ minutes. Now, due to this companies lack of communication, poor customer service, and lack of ethics, I am now behind in payments almost a month, have an interest rate that is inaccurate, is charging me for not paying my bill ( which I was never informed how to do so during this transfer process ), and could never get a hold of anyone to help me. Please help me address and resolve this issue. Due to this organizations practices, why am I, and others like me, being charged instead of being allowed to pay our bills. For all I know, they may have sent me something in the mail that got lost, and wouldn't know it because they never answered their phones/e-mails. In my opinion, the unpaid interest should be waived, my account should be put back into good standing, and interest should not be started until today. 
I am looking forward to your assistance and response. Please contact me by XX/XX/XXXX Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX USA My complaint is with this merchant. She has reported a balance owed to her practice to credit reporting agencies using my personal information which I provided to her so she could provide care. After undergoing a minor XXXX in her office with a care provider she decided several weeks later that the balance had not been satisfied. 

This is the issue. She agreed to bill my XXXX insurance for the cost of the service. She collected that money and I paid the agreed upon difference for the cost of the service at the rate she accepted and which was paid for by the XXXX insurance provider. She is now asking me for money that is in excess of the agree upon price which was set by the XXXX   insurance company I used for the XXXX procedure. This is not a legal practice. Her reporting of this balance to the credit bureaus has caused me great frustration and I would like to make you aware of her business practice surrounding medical services. She should know very well that this unethical and fraudulent practice for a medical provider. 

She has chosen to use Capital Accounts LLC as a collection agency in order to pursue this balance. I would appreciate it if you were to investigate this issue. Her reporting of this fraudulent amount owed to her has caused me hardship, as I am trying to qualify for a mortgage and this account is aggravating the process, since I do not want to pay it and it should not have been reported to the credit bureaus in the first place.
Product: Checking or savings account

My Regions checking account was hacked. There were multiple fraudulent checks drawn on my account within a couple day window. The checks were made out from State of Maryland for child support. I have no children. There were four checks drawn from the account, each near {$1000.00}. I notified the bank by way of calling as soon as I discovered this and alerted the bank to the fraud. I also visited the branch to seek assistance. I was told to also file a police report, which I did. My account was then frozen while they began a fraud investigation ... or so I was told. ( This was XX/XX/XXXX when I notified the bank and filed the police report. ) I was told I could open a new checking account at Regions while the investigation occurred. I obtained a loan from a family member to assist in this process, and deposited over {$10000.00} into my new checking account. 

Within five days of depositing into my new account, Regions debited my new checking account for the balance of my old checking account ( {$4000.00} ) that was reportedly being investigated for fraud. I never received anything from the fraud department about the investigation nor the outcome of the investigation. 

I have visited 2 different branches since the money was taken out of my account and I have called countless times. No one seems to know what to do to get the money returned to my new checking account, and no one seems to know what happened to the fraud investigation. It honestly looks like no fraud investigation ever even occurred and it makes me wonder if the bank took the right steps in fraud protocol. I am now being penalized and had to pay for fraud that was never my fault, per the police report. 

The worst part about all of this is the fact that no one seems to know how to help me and no one really has the authority to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

At the end ofXX/XX/XXXX, I submitted my annual recertification paperwork and required supporting documents. I checked off the box asking to be changed to a different loan repayment plan if there was one available with a lower monthly payment. I was then notified at some point that there was a different plan with a lower monthly plan. It was never explained to me that switching plans could take multiple months to process and in that time I could not make qualifying payments, or that I had the option at that point to cancel my request and stay with the same plan. I have not been able to make a qualifying payment towards the public service requirement for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I have made multiple phone calls to ensure that they have everything they need, to find out why it is taking so long to process. Every representative I have talked to has given me different information. I called on XX/XX/XXXX after receiving an email on XX/XX/XXXX, that my payment for XX/XX/XXXX would be over $ 3k. the Representative I spoke to at that time told me they would submit my forms for expedited processing and that they did not know why my application was so delayed. I spent 45 minutes on the phone with them. I called again on XX/XX/XXXX to check the status of the expedited processing request had happened. I spoke to a supervisor who informed me she would send and expedited request, because the representative on the XX/XX/XXXX did not do so. I called again today and the process still had not been completed.