23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found I owe money and which I never received.. its clear someone did that.my identity got stolen..I have no idea until they start sending those letter to my house.. 
Jefferson capital syst account # XXXX
Product: Checking or savings account

I am a Navy Federal Credit Union ( NFCU ) customer. I am XXXX XXXX XXXX. I was offered to use a new investment service of theirs called XXXX XXXX XXXX XXXX XXXX XXXX I invested {$7500.00} in XXXX of this year. I logged in to went to check on my funds, and to my surprise I had none. No investments at all. Their customer support line is nothing but robo-advertisements. I used their live chat and got nowhere... just texted apologies. 

I contacted NFCU, they could not help as XXXX XXXX is a separate financial body. 

I need to have this rectified, but am at a loss as to what to do, or who to call.
Product: Checking or savings account

Since XXXX of 2022, I explained charges to my account regarding unauthorized in nature. There were several charges. 

To date, they have not rectified this and I have gone into the branch, called the XXXX over one dozen times. 

It still isn't corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been fighting XXXX and Equifax for three years to report correct information. We supplied XXXX, Equifax and XXXX with a FAXED ( right from XXXX ) paid in full letter from the creditor XXXX XXXX XXXX, ( attached ) showing that the date paid in Full, XX/XX/XXXX was before the, " as of delinquency reporting in XX/XX/XXXX'', and there was no balance, of {$120.00}, yet they refused to remove the inaccurate information and update accordingly. I also complained to XXXX, multiple times in which they sent me the Paid in Full letter again and claimed they were going to contact the bureaus. I also filed a complaint with CFPB which I didn't get any accurate results and just the runaround. I had to file again with the XXXX against XXXX XXXX XXXX in XX/XX/XXXX in which they responded and sent me a letter claiming they had corrected my Credit reports ( attached ) and that I was in good standing dated as of XX/XX/XXXX, yet a month later I applied for credit and this account was showing up 90 days late, through a third party creditor but getting information directly through the main bureaus. XXXX the only ethical bureau at least removed the account from my report in XX/XX/XXXX. During this time I have had to get many loans with my credit compromised due to these Credit Bureaus not doing their job and abiding by the law. I has cost me money by having to have a higher interest rate as some scores were different by as much as 50 points with basically the same profile. XXXX, has claimed they contacted the Bureaus many times to report correctly, with no results and this went on for 3 years so far. I do not understand how this is lawful business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDNELNET. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C- 1681. 
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 
Name= XXXX XXXX account number # XXXX Name= XXXX XXXX  account number # XXXX Name= XXXX XXXX  account number # XXXX Name= XXXX XXXXXXXX account number # XXXX Name= XXXX XXXX # XXXX Name= XXXX XXXX # XXXX Name= XXXX XXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX XXXX # XXXX Name= XXXX XXXX XXXX # XXXX Name= XXXXXXXX XXXX XXXXXXXX # XXXX Name= XXXX # XXXX Name= XXXX XXXXXXXX # XXXX Has violated my rights.. 

15 U-S-C 1681 Section 602 A- Stat 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 an account without my written instruction.

15 U-S-C- 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other advice item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the infomation is inaccurate.
Product: Debt collection

To Whom It May Concern, I have attached documentation from my tax returns for the years XXXX through XXXX, demonstrating that I was not residing at the address using the utility service in XXXX, Ohio, nor have I ever resided there. Additionally, I have included copies of my identification cards over the years, along with my current identification card, further proving that I was not at that residence and did not use the utility service. This situation constitutes fraud, and charges have already been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ( and made disputes ) with Experian several times about an Fraudulent account appearing on my credit report. Every time I do an dispute with Experian the come back stating that the account has been " verified '' and the debt is mine. Which is completley false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX Account XXXX : XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company did an unauthorized inquiry on my credit report, I do not have an account with these companies and i want theses delete from my credit report. Dates inquiry were made : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/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 F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report a few months ago and I noticed that there were XXXX accounts there that didn't belong to me. I have never given anyone my information to use nor have I ever had any dealings with these companies. 

Here are the accounts : XXXX Acct # XXXX Opened XX/XX/XXXX With a balance of {$5300.00} XXXX Mobility Acct # : XXXX Opened XX/XX/XXXX With a balance of {$1300.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : ( Kikoff Account Number : XXXX ) In accordance with THE Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I REQUESTED DOCUMENTS FROM XXXX XXXX XXXXXXXX AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. XXXX XXXX XXXX IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE THIS MATTER.
Product: Mortgage

My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received two gift cards in the amount of {$200.00} each ( {$400.00} in total ) as a gift a few months back from my friends as a housewarming gift and I opened the gift card packages a month ago. 
When I checked the cards I realized there weren't any security codes behind the card which doesn't allow me to use cards online or in store. 
So I contacted the customer service and opened a case with a case number XXXX explaining the situation. They requested the documents below. 

o Front and back of the card as well as any tampering/packaging o Original Proof of Purchase o Copy of your photo I.D .

o Mailing address I provided all of the documents except the proof of purchase since it was a gift from several friends and it's inappropriate to call them and ask for a proof or want them to track down the expense which they did who knows when. And I explained this situation to representative. They said it was okay on the call but closed the case with an explanation they never received the docs needed even though I sent several times. 

Then I opened a second case with a case number XXXX. This time they received the documents and asked for the proof of purchase and I explained the situation once again. I didn't get a response from them. Today I called them to ask for an update about the case but I heard that the case was closed once again without an update given to me. I was basically waiting for nothing. 

So I opened a new case with a case number XXXX but it has been more than a month and I lost my hope about them resolving my case. That's why I contacted you. 
Basically they are keeping my {$400.00} just because I'm not able to provide a proof of purchase even though I have the cards physically and their security codes are empty. 

Don't know what else I can do to get my money back. It's like stealing money from gift card recipients. Basically they can sell several cards without a security code and keep the money to themselves because the gift receivers won't be able to provide a proof of purchase. I need a replacement of the cards asap and I don't wan na let them keep my money. They have no right to do that.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries Off my credit profile From Experian, XXXX and XXXX immediately! 

XXXXXXXX XXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX bank {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX
Product: Debt collection

Subject : Request for Removal of Dismissed Debt from Credit Report To Whom It May Concern, I am writing to formally dispute an account on my credit report. The account in question pertains to a debt that was the subject of a lawsuit, which the creditor lost. Despite the case being dismissed by the court, this account continues to appear on my credit report, which is inaccurate and unfairly damages my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate and fair reporting of information on my credit file. Reporting a debt as unpaid or valid after a legal dismissal violates this principle. I am requesting the immediate removal of this account from my credit report to reflect the accurate outcome of the court decision. 

Please investigate this matter and provide written confirmation that the account has been removed. I have attached any supporting documentation, including court records, to verify the dismissal of the case. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I previously disputed an error on my credit report directly with XXXX XXXX, with Transunion, XXXX and XXXX. XXXX and XXXX corrected the issue. Transunion has not corrected the error to date, although Transunion did respond to the previous report I filed with the CFPB and stated that they updated my report. My report has not been updated and I have not received anything in the mail from Transunion regarding the correction. I attached an email showing XXXX XXXX 's statement about correcting the late payment. Transunion did not fix the error with direct proof that it is an error.
Product: Debt collection

I unknowingly wrote a bad {$40.00}. check for groceries at a very prosperous business ( and still is ) 18 years ago. The first collection agency had the case from XXXX to XXXX. The second collection agency has the case currently since XXXX. I live in Kansas. They garnished my check in XXXX, but I had to be at home for personal reason and had to quit. First, they contacted me at my place of employment, which they deny. I answered the phone at work, asked my name. I asked who they were, and they hung up on me. It was a number from their same city of their business. Then I get notice that I 'm getting garnished not even a week and a half later. I did not receive notice of right to dispute this amount. No time of hearing. All I received was notice that they went to court and got approved by the judge to garnish. I called them, and they informed me that they have renewed the case every time they were supposed to keep it from being time-barred. XXXX and XXXX They did not keep within the time allotted to renew. It went dormant. XXXX Kansas law allows a recovery fee charge, court costs, up to 3 times the original amount of the check, but it can not exceed XXXX. They are taking out the maximum amount from my check every week. 25 %. The amount they are telling me I have to pay is {$1000.00}, all from a XXXX dollar check. I believe the amount they are making me pay, and leading me to believe I cant dispute because " the judge granted them that amount '' is outrageous, and they already have taken out atleast XXXX from me. I have XXXX children to care for. This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to this company to request that inaccurate addresses be removed from my credit report. There are 2 addresses that are inaccurate on my report and as a consumer my results have not been furnished.
Product: Credit card or prepaid card

Via utilization of my XXXX store card ending in XXXX, issued by Comenity Bank, I purchased an article of clothing in the amount of {$21.00}. As the item proved too small, I returned it for a refund which - per the attached - XXXX  credited to my store account. 

In an effort to accommodate Comenity Bank, I had agreed to go " paperless ''. Unfortunately, I never received an ( e ) statement - perhaps it went into Spam? - and so my account went into past due status. On discovering the problem, I contacted Comenity Bank and agreed to a direct transfer of funds in the amount of {$22.00} - which included a small amount of interest - to settle the account. Subsequently, my bank - XXXX XXXX - made the transfer from my account ending in XXXX on ( or about ) XX/XX/2020. 

I've now received the attached letter from Comenity Bank stating it can not issue me a new store card " due to the status of your ( my ) account ''. Thus, they are denying me the {$21.00} credit balance - via the refund from XXXX - on my store card. Irrespective of Comenity Bank 's insolence, I am entitled to the credit balance on the account ending in XXXX. What's more, I feel I am entitled to some reasonable amount of damages. 

( Fyi, I just finished applying for a mortgage loan. In that process I learned my XXXX  score is XXXX. One doesn't merit such a high score if you don't pay your bills! )
Product: Credit reporting, credit repair services, or other personal consumer reports

We have not been able to get the XXXX XXXX XXXX XXXXt form EQUIFAX, and this has been the case for almost an entire year. As well, my wife is not able to get the XXXX XXXX XXXX XXXX XXXXrom EQUIFAX with her BAN not being in place for as long as mine. 

We've also have not been able to register for the paid and direct access to our Equifax credit reports using Equifax.com. They have banned both my wife and myself from getting FREE and downloadable reports, but instead links us to Equifax site that ask us to provide documentation of various forms of ID and they will send us the reports. This request from them is not going to happen, because our sole purpose to to XXXX XXXX XXXX XXXX is to make sure we are getting the SAME report that the banks and lenders get when they pull credit. The Myequifax.com that they have restricted us to use for our credit reports DO NOT contain the same data thaXXXX XXXX XXXX XXXX contain, nor does Myequifax.com allow the same access that Equifax.com allows. 

So that is what we have been opening multiple CFPB complaints asking to have the restrictions removed from our Equifax credit access and reporting. Please see listed previous complaints on this ( XXXX -- XXXX -- XXXX -- XXXX XXXX Equifax has been consistent in keeping the restrictions for the both of us in place, and has chosen instead to indicate that they have contacted the provider, as if they need permission from another company to allow us full access to the same credit reporting they allow the banks and lenders access to. The request to register as a couple is based on their family plan paid access. I was once registered to the Equifax.com and was booted off and told that I had to use to Myequifax.com and that was the case for all consumers. And was also told that only the businesses were allowed to use the Equifax.com to late find out that was not true. 

Why is Equifax keeping us from seeing what is being reported to the banks and lenders but instead has only allowed us access to myequifax.com only and has also blocked us from receiving the XXXX XXXX XXXX XXXX.?
Product: Student loan

In or around XX/XX/year> I called Nelnet to see what the status of my request to change to an extended repayment plan. 

The XXXX took a while to find my request, but confirmed that I had a request from XX/XX/XXXX. In order to expedite my request, the XXXX put another request on XX/XX/year>. However, as of XX/XX/year>, but payment plan was not updated. Per their XXXX, it should take 30 days for update. I have not received an explanation on why it has taken so long.
Product: Debt collection

Honda Financial extended an auto lease for a period of one year for a co-signer without my signature or permission. I was contacted by Honda collections in XXXX XXXX, Indicated I had not authorized this transaction and requested supporting documentation. 

I received by mail a copy of the contract absent of my signature and mostly illegible. Assumed the issue had been closed. 

On XXXX XXXX, XXXX my credit monitoring agency notified me my FICO had dropped from XXXX to XXXX as a result of a 60 day past due, XXXX balance. Notified the three credit reporting agencies and at least one has replied indicating Honda Financial certified the account as mine.

I did not authorized this contract and Honda Financial has not, and will not be able to provide evidence to the contrary. Please advise as to remedy options. 

Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. 

Account name : XXXX  Account Number : XXXX Amount : {$380.00} Account Name : XXXX  Account Number : XXXX Amount : {$2700.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Amount : {$350.00}