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

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : XXXX XXXX XXXX  ) ( LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICES ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted XXXX XXXX XXXX, LVNV FUNDING LLC, RESURGENT CAPITAL SERVICES and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer reports.
Product: Student loan

My loans are current serviced by NAVIENT. Under the XX/XX/XXXX temporary PSLF waiver, I submitted XXXX No. XXXX Form for employment certification for employment dating back to XX/XX/XXXX. I have remained a nurse for XXXX XXXX Hospital and University since that time working full-time. The form has been signed and was submitted US Certified Mail with delivery confirmation on XX/XX/XXXX. The package was received by PHEAA on XX/XX/XXXX. Complaint also raised to US. Dept. of Education via Federal Student Aid ( FSA ). FSA Feedback Case No. XXXX for FSA XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX XXXX [ Experian General Counsel [ Experian XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Subject : Notice and Demand Regarding FCRA Violations Dear [ Experian General Counsel I am writing to bring to your attention serious concerns regarding inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) within my credit report held by Experian. Despite my previous dispute attempts, the issues persist, indicating a failure to comply with the FCRA. 

I have identified the following discrepancies on my credit report : XXXX XXXX XXXX XXXX Reporting inaccurate report dates The latest on this report show as 30,60,120,150,180,180 This is clearly incorrect reporting and a clear violation of the fcra, These inaccuracies have negatively impacted my creditworthiness, and I believe they are a direct violation of my rights under the FCRA. I have made reasonable efforts to resolve this matter through the regular dispute process, yet the issues persist. 

As the General Counsel, I am addressing this matter directly with you to request an immediate and thorough investigation into the reported inaccuracies. I demand that Experian remove this tradeline from my credit report swiftly, provide me with a corrected credit report, and notify all relevant parties who have accessed my credit information in the past six months of the corrections made. 

Failure to address and rectify these issues within [ reasonable timeframe, e.g., 30 days ] will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. I trust that Experian takes this matter seriously and will act promptly to remedy these violations. 

I anticipate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at [ XXXX or XXXX if you require any additional information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Today, XX/XX/XXXX, I was got a call from Ally Bank to investigate fraud. Since that call, the bank has frozen my account and locked me from seeing any information about it. When I called back to investigate when my account would be unlocked, I was not given any information.
Product: Checking or savings account

Fifth Third Bank is not allowing me to reverse the unauthorized charges or file a dispute with their bank. I had the same problem before a few months ago and they did allow me to dispute the unauthorized charges. They, the credit card processing company, have taken close to {$900.00} without my authorization and getting away with it.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX my apartment was broken into and everything stolen including car, clothes, laptop, wallet and phone. I was XXXX  during this time and was only aware of money stolen frome XXXX  due to fact I was XXXX  during this time. I made the original police report on XX/XX/XXXX from inside the XXXX XXXX  with help from XXXX XXXX there. When I was released and able to access statements I saw cashapp had XXXX transactions as well during this time XXXX on XX/XX/XXXX to the amount of XXXX to an XXXX  XXXX whom I have never heard of nor do I know. I gave both XXXX  and cash app police report and contact info as well as statement from XXXX  confirming I was in XXXX  during that time. I did not give anyone password, phone code or permission to use any of my banking cards nor to take my money. All calls and correspondence from XXXX  are monitored and it is easily proven I did not authorize anybody. I have filed disputes and they have refunded the XXXX smaller transactions however refuse to refund the {$880.00} claiming no error occurred. I do not know who stole my things nor did I ask them to steal from me. Yesterday yet again claim was denied due to their claim it was completed by me while I was XXXX  and unable to do so.
Product: Credit reporting or other personal consumer reports

My accounts with XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I received a call from American Express stating that I had fraud on my current account. During the conversation they informed me that I recently opened a new XXXX XXXX credit card. I told them that I never opened a new credit card. American Express has had many fraud issues on my account and I am convinced they have internal security issues. I demand a full explanation on how an account was opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original XXXX : XXXX XXXX XXXXI ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$680.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX Balance : {$990.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries being made on my credit report. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately. 
Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I tried to send the Money to XXXX of USDXXXX, the recipient can not receive the money when they call the Moneygram they told the recipient that inform and ask sender to call. Once I ( sender ) call the Moneygram they are asking that recipient should call so I ask the supervisor to can cell the transaction they are saying that they can not cancel the transaction.

So I am requesting to please look into this matter and request Moneygram to refund the amount to the card. This transaction has been done in Walmart. Walmart also called them and they are saying the same thing. Walmart is asking that moneygram release the hold then they are able to refund the amount. 

Thanks for your kind cooperation. 

Transaction Date : XX/XX/2020 Amount : USDXXXX Request for refund by Me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from XXXX XXXX XXXX Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, XXXX XXXX has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :. 
1. It's been more than 7 years since the last activity on this account 2. XXXX has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
XXXX. XXXX filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how XXXX came up with this amount since for the past 7 years the balance they have been reporting was {$11.00}, XXXX.
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B and open credit payment can not be reported as late on a open account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to deal with Equifax since XXXX XXXX XXXX. I was locked out of my online account, being charged monthly for a service I could not access due to being locked out. Finally, I called Equifax and on the 5th attempt I did reach a customer service person who reported that they cancelled the service but I got no refund for the 6 months I was not able to access my account. One year later, still not able to access my credit report sent multiple dispute letters to Equifax, no response, called on the XXXX try reached a customer service person who said I would be getting an email within XXXX ( XXXX ) days to resolve being locked out of account. I never received it. I have over 35 hard inquiries on my credit report that were initiated without my consent, again customer service refused to help stating I needed to contact each business individually, even though I had done that, still refusal to assist. Today I attempted to log back into my account, I am attaching screen shots. Both XXXX and XXXX reflect at least XXXX pts higher, while Equifax will not cooperate or acknowledge even my existence. I am sending a certified letter with Intent to Sue. TWO YEARS and definitely experienced $ $ $ $ $ thousands of loss due to high risk financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies Experian, XXXX, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.
Product: Credit card

Today Synchrony ( Lowes ) notified me of a {$2.00} statement fee for mailing written statements. 

These types of fee are unconscionable and should not be permitted.
Product: Mortgage

My Mortgage closed in XXXX with XXXX XXXX of New Jersey. It was then bought by Countrywide Mortgage that is Now Bank of America Mortgage. The loan amount was {$100000.00}. 

In or around XXXX, Countrywide used a predatory lending practice on my account by refusing my payments. I contacted the company to rectify the issue and they were forcing me to loose my house. Because of my family situation, I couldn't allow to loose my house. I provided them we that information. They used the information against me and put more pressure that I am going to loose my house. While contacting higher in their organizational hierarchy, they contacted my e-mail provider and requested for my e-mail to be shut down and it happened. 

I continue corresponding with a snail mail. After long negotiation, we agreed that I pay the arrears and they will put my account current and continue with the mortgage. I paid the sum of more than {$8500.00} to get my account current and I paid for 2 years above the normal payments needed to rectify the issue. 

Instead of honoring the agreement the company added {$19000.00} to the principal. That brought the principal to {$120000.00} from {$100000.00} and they took my {$8500.00} and did not show where it was applied to in my account. 

Again, with a family of XXXX and wanting to make sure that the standard of living does not deteriorate, I contacted and informed they company of the problems with positive solution. 
When Countrywide Mortgage failed and Bank of America took over, I contacted Bank of America about the ordeal. There were few exchanges and no proper solution. This has been going on all the time.

I have tried to refinance my mortgages more than 4 times, including with Bank of America itself, and every time I try the predatory practice that was put in place by Countrywide now Bank of America would cause my loan to be rejected and I could not refinance.

About two month ago, I contacted the company ( Bank of America Mortgage ) again for solution. They replied twice and stop replying to my correspondence.
Product: Credit reporting

I have no accounts showing that I have ANY accounts listed on my credit file as a bankruptcy. The XXXX bankruptcy accounts on my credit file is n't me. I 've been asking how was this information verified? They can never give me a answer, it 's not verified through the courts because I had written them a letter, and they do n't report to the credit agencies. I want to know what 3rd party information source do they use? I have a right to know because this information is very inaccurate. XXXX has made the necessary changes.
Product: Credit card or prepaid card

I applied for a credit card online, i was not sent a letter telling me i was denied. I called the company bank of america. The auto service told me i was denied. XX/XX/2023 I got a letter. This is clearly discrimination and breaking of the laws 15 usc 1611, 15 usc 1640 and 1691e. I would just like to let you know this company has denied a consumer the right to extend my credit, which is clearly something they cant do under the ECOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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 instructions
Product: Checking or savings account

I have been a customer with Td bank for many years. This last year to year and a half I have had to cancel my debit card numerous occasions because of fraud. On the XXXX of XXXX I noticed XXXX charges thay I did not make and I reported it and I was given provisional credit. I was then told that because after my card was closed the scammers didn't try to use it again that they took my money back. Last week Monday my husband had over {$5000.00} scammed on his card and has reported it right away and they once again canceled both of our cards and scammers have tried to use his since it has been closed as well. However it has been XXXX business days and they will not give us our money back or any type of answer on anything. XXXX basically owes me over {$6000.00} as there is proof the places are scams. Someone please help me. We can't even male our bulls now because we were first scammed by someone and now by Td bank. Myself amd my husband has called everyday to try to get resolution. Thank you
Product: Checking or savings account

Hello, On or about the first of XXXX, I had another disappointing visit inside XXXX 's Navy Federal Credit Union in XXXX, Texas. I appreciate the institution but branch manager XXXX, makes it impossible to complete daily transactions on regular basis. I've brought her antics to the attention of their corporate office via phone but, am concerned my pleas have gone ignored. 

Moreover, her colleagues tend to follow suite because XXXX 's unable to ensure debit cards are active and ready for use. Following my visit with he and constituent he was training the other day, XXXX claimed the cards one received via mail were active. Consequently, one had to make a third trip back to the bank since I was still in vicinity. This is because they declined during a purchase. Ironically, he never gave me an explanation as to why, the cards were inactive. 

Now, I'm under an impression the office is making a mockery of my encounters with XXXX. Leading XXXX to believe I've been targeted. So, at your convenience, would you please help me earn reassurance when re-visiting the branch? 

Concerned XXXX, XXXX XXXX
Product: Debt collection

I recently found out that I had a debt of {$75.00} from XXXX XXXX XXXX from XXXX. I had no knowledge of this bill. XXXX XXXX notified me that I had a derogatory mark on my credit report and that is how I found out. This bill has now been paid in full, and I would like it removed from my credit report. If I had known I had a bill in XXXX I would have paid it. I have not lived at this address since XXXX.
Product: Checking or savings account

On XX/XX/XXXX I called wells fargo to file a dispute on transaction I did not authorize. The transaction between the dates of of XX/XX/2023 and XX/XX/2023 below is a list of each date and the amount. After their investigation they decided to rule against me and not provide me credit when the transactions were in fact fraudulent. 

XX/XX/2023 {$750.00} XX/XX/2023 {$1500.00}, {$1000.00}, {$1400.00} XX/XX/2023 {$1000.00}, {$700.00}. {$460.00} {$300.00} The total amount missing is {$7100.00} The claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please carefully review and remove or correct this information