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

On my credit report it shows navient has wrote it off and a loss. But when i look on my report it shows the increased my balance by XXXX dollars. This is ridiculous. I have had nothing but problems with them. I tried to contact about my account when it was still openers to set up payments and they told me to call back in 7 days. I did this for a while until I seen that it was a ride off on my credit. Since my account is closed why is my account keep raising. They are horrible people. I mean someone ca n't make XXXX dollar payment but said they would try for a XXXX and the decline it. At least I was trying. Worthless company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent XXXX letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

XXXX days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made XXXX attempts and have not received any response from either.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I found unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the incorrect accounts remained. Given this issue, I kindly request a thorough review of the documents Ive provided to ensure I wont have to deal with this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax -I want to get my credit report .. 
they keep saying I need to verify information .. I answer the questions .. they still say those answers dont match .. then they immediately send me to a automated survey .. 
they also have attempted to run my account for XXXX for their premier service and say it will be refunded. 
I have no issues with the other credit reports
Product: Checking or savings account

I deposited {$160.00} to my Wells Fargo account on XXXX XXXX to find out months later that my money was n't found. Also my account was closed. I had an amount of {$4000.00} in my account along with me depositing the {$160.00} on XXXX XXXX XXXX. I went into the back and talk to several customer reps and I was told it was nothing they could do. I watched Wells Fargo take money out of my account put it back in and repeat this method for a few months. I did n't mention anything to them because I did n't want to see crazy but my money was removed from my account, deposited into another account, I showed them the receipt but there was nothing done about it. They took one receipt from me that showed my balance of {$4000.00} but I was once again given nothing back. My account is closed now and it was n't my fault. Also my account had several unauthorized transactions but Wells Fargo reversed them and took the money away from my account. Now I 'm frustrated my phone is off I have no funds to pay any of my bills and I want all my money back and I do n't want to deal with Wells Fargo ever again and please find a way to mail me my funds or a check. to my address associated with the account every single penny.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Transunion, and XXXX XXXX XXXX on XX/XX/year> about this collection account that does not belong. In that dispute I requested the Validation of Debt and the removal of the account in question per 15 USC 1692g. Also in this dispute I requested : ( 1 ) Send me a detailed list of history of payments made by me on the account. ( 2 ) I want to seethe sigature that I put on a contract guaranteeing that I would pay this creditor. ( 3 ) I asked to see has there been any insurance claims filedon this debt by the collection agency or the original creditor. ( 4 ) I asked for proof that XXXX XXXX XXXX have the chain of title to collect on this debt. Also per XXXX XXXX XXXX, XXXX XXXX XXXX is not licensed or authorized to collect debt in the state of Tennessee. This proof will be attached.
Product: Debt collection

I never done business with this debt collector. I'm asking for legal documentation with my signature
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am a scam victim. I was using a website called XXXX to purchase a second hand XXXX device, the seller is the scammer I encountered. When I try to pay over the XXXX  app official method. The app had a very confusing error message when I made the payment saying something went wrong, please contact support. The support contacted me later saying the sellers account have some issues and I will not be able to purchase until the issue is resolved, but can not tell me what is the issue or why. This reply confused me into thinking the XXXX  system was broken instead of being alerted about a possible scammer, later the scammer sent me a text message saying if the app does not support transaction, we should do it other ways. So I used XXXX through Chase bank app to send XXXX XXXX  to the scammer after he sent me a fake Photoshopped receipt of XXXX  shipping receipt. Right after I find out the receipt is fake, I immediately contacted Chase bank to report the scam but they said they can not do anything about this and recovering of the money. It is hard to believe even you take action immediately after being scammed and the money transaction is pending, you can not do anything about the scam. There seems to be a extremely lack of consumer protection regarding the issue of scam. Bank can not take action for scammed payment, XXXX can not take action for scammed payment, there isnt a proper monitoring system on the platform of XXXX that regulates potential scammers or alerts the customer. So a customer like me getting scammed have no way to recover money or the pain. Extremely disappointing for the system and the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX   XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.
Product: Debt collection

My data was breached this collections account is not mine this company is no longer open i demand that it be deleted immediately according to the FCRA LAW 15 USC 1681 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant believe XXXX morning, I discovered that incorrect accounts were listed on my credit report, and I have no idea how they got there. I always check my credit report regularly, and today, out of nowhere, I noticed these discrepancies. I tried refreshing my browser, hoping it was just a mistake, but the inaccurate accounts remained. I need the documents I submitted to be reviewed carefully so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility.

I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me.

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My numerous phone calls to all the credit bureaus, including TransUnion, informed them that my only telephone number is ( XXXX ) XXXX. The TransUnion LLC company recently added some other person 's phone number to my credit report personal information.

Please force the TransUnion LLC company to immediately and permanently remove the telephone number : ( XXXX ) XXXX, from my credit report personal information. 

Please force the TransUnion LLC company to verify a match with the account holder 's name and social security number of the Telephone Carrier of all new phone numbers they try to add to my credit report personal information.
Product: Money transfer, virtual currency, or money service

account.

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I sent the money to XXXX XXXX. On the XXXX XXXX XXXXXXXX and he did not accept it, and I declined it. When I asked XXXX if he saw it in his account, he said that it did not even show up and sent me the screenshots of the XXXX I uploaded. I also uploaded the transaction of the money being pulled from my account. Never receiving it back. It shows shows me in getting it back, but no money. The amount has not changed. so it shows on my transaction statement that it was refunded, but there is no change in my available balance, so when I called the bank, they said it was already there and that it was not possible that I was not refunded. I find that there is no other way to resolve this than to go above their heads and report them to the consumer finance bureau.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX Credit Card account, which was opened on XX/XX/2023, with a current balance of {$340.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and various provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ).

Under 15 USC 1681, I have a right to privacy concerning my financial information. I did not provide permission to XXXX XXXX XXXX XXXX to furnish my account information to credit reporting agencies, which is a requirement under 15 USC 1604 ( a ). Furthermore, according to 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been misapplied in my case. 

Given these violations, I am requesting that you investigate this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is imperative that my rights under the UCC and FCRA are upheld. 

Please conduct a thorough investigation into this matter and provide me with written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I SENT A LETTER TO EXPERIAN AND XXXX XXXX. IN REGARD TO A XXXX XXXX ACCOUNT THAT IS REPORTING AN ACCOUNT AS LATE AND " R '' STATUS ON MY CONSUMER REPORTS. EXPERIAN RESPONDED SAYING THE ACCOUNT HAS BEEN UPDATED. HOWEVER, NOTHING HAS CHANGED ON MY CONSUMER REPORTS AND THE ACCOUNT IS REPORTING THE EXACT SAME. EXERIAN DID NOT PROVIDE ME WITH ANY PROOF OF THEIR INVESTIGATION. THEY JUST SENT A GENERIC RESPONSE THAT THE ACCOUNT IS " UPDATED '' THEY ARE VIOLATING MY RIGHTS AS A CONSUMER. IN REFERENCE TO 15 USC 1681B.
Product: Credit card

I sent several letters of complaints to Amex and have not received a response from any of them. After being a customer of amex since XXXX, I was not provided a rectification for an ongoing credit issue after applying for a new credit card on XX/XX/XXXX and receiving an insulting credit limit after having a hard inquiry on my account. I've been misinformed by several agents, transferred back and forth by agents who do not know the depths of their job and department, and ultimately given no resolution from a customer support manager with Corporate ID XXXX who cheerfully claimed, and I quote, " it is company policy that he is not allowed to provide his last name, and there is no exception to their policy rules '', of which I'm already aware that he misinformed me as well. After being informed my credit limit could only be increased after I received the card, then being ping-ponged between different departments, asked what my preferred credit limit would be only to be told that I'd have to wait 95 days to request an increase, even though they just approved the account and are able to increase it within 30 days of the initial hard inquiry, I am prepared to cancel all XXXX credit cards I have with amex since they have no intention of salvaging this business relationship.
Product: Student loan

Mohela sends me false status notifications of my loan on a near monthly basis. They also did not put one of my loans on deferment after my in school loan deferment was approved, and I had to engage in a lengthy process to just speak with them, after which they said it was an error on their part. Every few weeks I get an email that my loan is due or that its now been placed on forbearance, but on my account nothing is changed. I dont understand how they continue to function,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX XXXX / XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights.

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 instructions15 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 1681c. ( a ) ( 5 ) Section States : 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.

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

In XXXX of XXXX, we began the process of completing a mortgage modification package with Specialized Loan Servicing, the company that currently services my loan. During this process i have completed at least 5 applications in an attempt to give the property back to the back. Each time their was a significant delay ( 2-3 months ) with the company reviewing my file - the have consistently asked for proof of income, bank statements etc and each time I provide them with the requested documents but their is always a reason why they can not process the paperwork. Their was a second mortgage on the property and i was told that I needed paperwork from the second lender after waiting over 6 months for a response that say they would settle the loan for a reduced amount. Then once I got that, I was told that they could not process my application because I had a second lien on the property and it needed to be removed and they would not settle with the second lien holder. By this time, the 2nd lien holder released the lien, this was in XXXX of XXXX and I was told I needed to complete yet another application ( this was the 3rd one ) and had to begin the process all over. Then I was told that the property was not in broom sweept condition so, I hire a company to clean the house and to remove the items in question in XX/XX/XXXX. They then told me that the system closed out my application automaticly because it took too long to resolve. So, i had to complete another application ( each time having to wait several months for them to review ). Application # 4 was submitted. Then I was told that they could not open my file up because someone on the staff closed out my file by accident. I had to complete a 5th application and still have not heard back about my account which has been pending since XXXX of this year. I called every week, several times a week and finally in XXXX I was told that their was a tree stump and some branches near the central air unit outside that needed to be remove and that they would not close untill it was done. I sent the company I hired back over to the property and they took a picture for me ( I am out of state ) and their was no tree stump or branches near the central air unit. I called again and told them this, I was told they needed to do another inspection on XXXX and it still has not be done. It has been over 2 years since I begin working with the company and they have tried every dirty trick in the book. In the meantime this is hurting my credit each month that it is being reported and interest is continuing to grow over the past 2 years that i can responsible for. 
I need your assistance with resolving this as I have been more than patient with this company.