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

I have been requesting that Equifax, XXXX XXXX XXXX allow me to exercise my right to opt-out of sharing my information. According tot he Fair Credit Reporting Act 15 USC 1681 Section 602, it states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I am the consumer and have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states that " 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 this customers ' nonpublic information ''. The financial institutions Equifax, XXXX XXXX XXXX  do not have my consent to furnish this information and for a fact do not have my written consent to do so. 15 USC 1681 section 604 a section 2 states that " In general subject to subjection ( 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 ''. Any and all consent to XXXX XXXX and Equifax 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 non public personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX Equifax and XXXX who are Furnisher of information to credit agencies, never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 1681 ( 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 more than seven years ''. These accounts are adverse items that they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish and information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 15 US Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Equifax are no maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' " I am opting out of your reporting services ''.
Product: Money transfer, virtual currency, or money service

hello i am XXXX XXXX XXXX XXXX XXXX XXXX .i have transfered ( XXXX $ ) from my XXXX  account to my XXXX XXXX  account via using XXXX  on XXXX, ( transaction XXXX ) and the date which i had got from vianex for deposition of my money was shown XXXX .and today is XXXX but i didnt recived my money yet in my account .so please look into my matter and do the needfull.
Product: Student loan

To the Consumer Financial Protection Bureau, I am writing to submit a formal complaint regarding the inaccuracies in my student loan payment history. As of my last review, my student loan account shows an incorrect payment history, with outstanding payments when I am in pay-ahead status and do not owe any further payments. I kindly request that you investigate this matter and rectify the inaccuracies in my payment history. 

I would like to draw your attention to the fact that the Consumer Financial Protection Bureau ( CFPB ) has identified cases where borrowers ' monthly payment amounts, due dates, and payment plans have been inaccurately reported. In one specific case ( Fall 2022 ), CFPB found that inaccurate information resulted from a servicer 's failure to include current repayment schedules for hundreds of thousands of borrowers ' accounts. Furthermore, another servicer sent statements to over XXXX borrowers with incorrect information about their next due date and the date federal student loans were set to return to repayment. These findings by the CFPB highlight the importance of ensuring the accuracy of payment history and the potential negative consequences that can arise when such inaccuracies occur. 

For your reference, I have attached a document that provides clear and conclusive evidence of my payment history, clearly demonstrating that I am indeed in pay-ahead status. The document highlights the payments I have made, the dates on which they were received, and the subsequent reduction in my loan balance. I believe this evidence, along with the CFPB 's findings, will help you understand the discrepancy between my payment status and the information displayed on my account. 

My payment history shows a total pay-ahead status of {$2500.00} ( see attached ). I have outlined the payment dates in red ink for ease of following. I have totaled the amount of the payments on the last page as well, which matches the Timeline of payment history document I uploaded. Unfortunately, uploading these documents to MOHELA has not resulted in any resolution. 

I kindly request your immediate attention to this matter, as it is causing unnecessary stress and confusion for me. I trust that the attached document, combined with the information from CFPB 's findings, will shed light on the issue Thank you.
Product: Credit card or prepaid card

seocnd time i called today and was cut off i want to dispute a XXXX dollar charge to XXXX XXXX from XXXX we got sick no one will help me XXXX has not responded. please dispute. we all got sick food bad. unemployed now 4 months dont need more stress. 
there is also supposed to be a credit of about XXXX dollars from XXXX i will be watching for. 
please dispute XXXX dollars from XXXX
Product: Credit card or prepaid card

I got cheated by on online seller who sells computer virus protection I contacted direct express they said we will help you get your money and if not we will refund you your money after investigation they said they are not able to get the money from the business nor will they help with the refund all they say is we are sorry you got scammed
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their failure to provide IRS Form 1099-C documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus.

The details of the account in question are as follows : Account Number : XXXX Reported Balance : {$430.00} I have previously contacted XXXX XXXX XXXX  requesting a copy of the 1099-C form for this account to verify their reporting of the debt as canceled or discharged. However, despite my request, they have failed to provide the requested documentation or any evidence supporting their continued reporting of this account.

Without proper documentation, the reporting of this account may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate this account creates confusion and potentially damages my credit profile unfairly.

Actions Requested : 1. Investigate XXXX XXXX XXXX  failure to provide the requested 1099-C form for the account listed above.

2. Verify whether XXXX XXXX XXXX  properly discharged the debt and issued the required documentation to the IRS.

3. If XXXX XXXX XXXX  can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to this account from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX XXXX  complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.
Product: Debt collection

I had spoken with XXXX about this debt that was included on my bankruptcy discharge on XX/XX/XXXX. Then I recently got a hit on my credit for the same amount from XXXX. I disputed with XXXX  and they claim is valid even though I submit the proof of my bankruptcy. This was a bill from XX/XX/XXXX
Product: Checking or savings account

I had {$300.00} stolen out of a Wells Fargo ATM. 

On the evening of XX/XX/2023, I stopped at a drive-through Wells Fargo ATM XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. There was a silver truck in front of me. When that silver truck pulled away, I pulled up to the ATM. As I was doing a cash deposit, that silver truck pulled up behind me. I somehow left without my ATM card, I believe I either set it on the hood of my car and drove away or it slipped out of my pocket. Either way, I left the ATM without my debit card. {$300.00} was taken out of the ATM that evening or night and the truck behind me XXXX have installed a skimming device to get my pin. I did not enter my pin and withdraw {$300.00}. 

I filed a claim with wells fargo on XX/XX/2023. They denied my claim. When I called to ask why, they refused to elaborate. They gave me no explanation, gave me no evidence, and refused to describe how they investigated the incident. It's not clear if they even investigated the fraud claim at all. 

On XX/XX/2023, I filmed a police claim with the XXXX police department. Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a consumer by law my information was misused and now i have false and not one hundred percent accurate accounts on my credit report. i demand deletion of these items plus i demand monetary compensation for these violations.
Product: Credit card

I received my XXXX statement and paid it in full. When XXXX statement arrived it indicated that I owed {$2.00} in " fees '' This account has never been late. Bloomingdales states that this an interest charge. On the bill it's listed as a XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of an auto loan by CarMax Auto Finance under account number XXXX. The account is currently reported as charged off with a balance of {$14000.00}, but this reporting fails to reflect the full context of the situation. The account is subject to an arbitration appeal, which is still ongoing, due to issues with faulty merchandise related to the vehicle. The delinquency and subsequent charge-off stem from my inability to resolve the matter with CarMax due to defects in the product.

Additionally, CarMaxs reporting fails to account for a possible repossession, which should be reflected in my credit report but is currently missing. The incorrect reporting of the charge-off, without acknowledging the ongoing arbitration or repossession, is severely damaging my credit score and hindering my ability to obtain credit and secure housing. 

I have included a consumer statement on my credit report explaining that the delinquency is due to faulty merchandise, and I am awaiting the outcome of arbitration. However, despite this, CarMax continues to report this account as a charge-off, further worsening my credit. 

Actions I Have Taken : I have attempted to resolve the issue with CarMax directly, but the dispute remains unresolved due to the ongoing arbitration appeal. 
Despite the arbitration, CarMax continues to report the account as charged off, without noting the arbitration status or including any repossession information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a multiple copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to PRANCER CAPITAL CORP to get the inquire removed but, they haven't resolved the matter.
Product: Credit reporting

Statement of credit denial, termination, or change excessive obligation in relation to income
Product: Debt collection

Reference : XXXX My friend and I wanted to move into an apartment. We called up the XXXX at XXXX at XXXX XXXX and were told that we could fill out an application that would cost us XXXX $ each. My friend and I filled out our applications and paid the fee, which can be proven by submitting our bank statement. No apartments were available but we were shown XXXX that had recently been vacated and would be available, after cleaning and repairs, at the end of the month. We were told that we would not be getting the apartment, we were just shown the apartment so we could see what the layout was. The XXXX told us that we would be contacted if something became available, in the meantime our application would be processed. At no time were any other fees mentioned, nor was any paperwork given stating that any other fees, except for the already paid application fee, were due. We were turned down because of my friend 's credit report. 
I received a notice from National Credit Systems in XXXX stating that I owed XXXX at XXXX XXXX {$240.00}. The letter did not state why I owed money. When I attempted to contact XXXX at XXXX XXXX, the number we had for the XXXX was disconnected. 
I am therefore disputing this bill as I have no idea what the charges are for, and certainly know that, other than the XXXX $ application fee, I am not responsible for any fees. 
Thank you for your kind attention to this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureaus are violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX
Product: Student loan

I have over XXXX dollars in loans to pay back!!!! Idid not borrowed all this. But this is the total after interest which is two and half time more than i borrowred. I was told year after year given the advice to go into forbearence until my financial hardsips are overcome, ,then defer,,, then the next year defer again. I asked if i should go and consolidate all my loans into one and maybe that will bring down my interest rate into a lower interest rate..They told e it would be a bad idea to leave navient with these loans.The sad thing is that I went to school for six years got a XXXX and am still unable to get the job in my field 6 years later. As my loans plus interest keeps adding up higher and higher I am told to go into forbearence ... .now I cant get a loan to buy a home, a car, a credit card nothing becasue I owe so much!!!! I totally feel that the people I talked to year after year did not give me good advice at all. Some Of them I could not even understand them. its like We are talking about my future and my lively hood and all my loans and they did not have my best interest ... most time they would put me on hold as they could not answer my qustions!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, which was quite shocking. I regularly monitor my credit, and this time I found discrepancies that weren't there before. I even tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. Im deeply concerned about this, and I urge you to thoroughly review the documents I've provided to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX Please start a re-investigation and prove that this account actually belongs to me. 

XXXX - XXXX I was never late on this account- Please check the status on this account XXXX XXXX - XXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing late payment on my credit history by sending letters to Credit Bureau, But Credit Bureaus did not reply to my dispute after second letter. They sent me answer once by saying account was verified and status of the account is correct. 
I sent dispute letter to Creditor directly. After I called to Creditor to follow up my dispute, by phone I been told that my account is current and do late payment was occurred. 
I need your help at this point.
Product: Credit card or prepaid card

I told the bank that I received a damaged order, and I tried to contact the merchant for a refund, and the merchant refused to issue a refund, so I contacted my bank to dispute the charge, but my bank has not been supportive on resolving the dispute with the merchant, so I am filing a complaint because I have had issue with this bank several times failing to resolve dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Maam : I am writing to dispute the following information in my file : XXXX XXXX XXXX XXXX, Account Number : XXXX You will also find this item circled on the attached credit report. The item I have identified is inaccurate because Of the Issues in closing the loan between XXXX XXXX and XXXX XXXX  I am requesting that this item be deleted in order adequately reflect my true credit history on the attached report. 
We opened escrow on XX/XX/2021 and the escrow office received the payoff amount in XX/XX/2021 the payoff was rejected do you XXXX had made the taxes and the payoff was rejected on XX/XX/2021. On XX/XX/2021, I started to received calls stating that my payment was missed, and it need to be paid asap. At this time, I was unaware that the escrow payment was rejected and returned to XXXX. I was never informed by either of the companies. I am now showing that I have a XXXX late in XX/XX/2021 for a missed payment that both companies stated was not due because of XXXX. The loan was paid in full + the taxes were paid twice. I was told by both companies do not make a payment. I have never missed a house payment!! 
In my calls to XXXX XXXX, this has been a very frustrating process to navigate at I have spend hours on the phone and to only be hung on multiple time. When asking to elevate my calls to a supervisor again after being on hold 1-2 hours the calls have been disconnected or I have been told that I will receive a call back have never received a call back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly feel taken as advantage of. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been spoken very rudely to by XXXX XXXX on multiple occasion when trying to resolve this issue. As stated above, I have NEVER missed a payment on my mortgage and feel this derogatory mark is very unjust.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.