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

I am submitting this complaint following your recent investigation. I disagree with your findings and request a thorough review for complete accuracy. I believe more effort is needed to contact the creditors reporting this information. Therefore, I request additional details on the following accountsquestion : TRANSUNION : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} -- -- -- -XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} -- XXXX -- -XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and correct these accounts. Provide me with the names and addresses of the persons contacted. You have 15 days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this time constitutes non-verification, requiring prompt correction or removal of the accounts according to Section 1681i ( a ). Notify me when the accounts have been corrected or removed, and forward an updated copy of my credit report to the address listed above.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX Secured continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a Navy Federal Credit Union. Navy Federal Credit Union denied me an extension of credit for a few reasons. Which included my internal proprietary Navy Federal credit score/credit report and the information found on it. Which in fact is a credit scoring system. According to the Equal Opportunity Act, it is against federal law to proclaim an adverse action against a consumer for these reasons. Navy Federal has violated my federally protected consumer rights. Navy Federal should resort to reasonable procedures to rectify this matter, also, for the use of my social security number in which I received no benefit.
Product: Credit reporting or other personal consumer reports

I have not used my XXXX XXXX  credit card so did not monitor it or have auto pay set up. I was fraudulently charged and disputed and the Citi agreed and removed the charge after a few months. Yet because I did not pay because I did not realize the fraud happened until my credit was dinged for late payment my credit shows late payments. Although the fraud was removed the late payment XXXX and XXXX remains on the account. Since no payments were required except for fraudulent charges that have since been removed these late payment should also be removed.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that?
Product: Money transfer, virtual currency, or money service

I was told my the provider of i send a certain amount through bit coin from my cash app it would double I sent the money several times and never received any money and was locked out my account
Product: Credit reporting or other personal consumer reports

The balance of all three loans on my credit report does not match the original balance I owe for each loan on the Mohela website. I have paid off 2 of my loans, with only one remaining with a balance, of {$6900.00}. XXXX, and my credit report shows that I still owe money for all three, with a balance of over {$40000.00}. I paid off one of the loans in XXXX, and now it's almost the end of XXXX, and I have not seen any updates on my credit report to reflect this. I paid off the other loan in XXXX, and they still haven't updated my account to reflect this on my credit report. This is not right and needs to be addressed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.
Product: Credit reporting or other personal consumer reports

Requesting Tax Documents Companies list accounts as the following " Account charged off, I did not receive a 1099C, Companies are still reporting that I have balances. I am requesting the 1099C.

UCC 3-306 UCC 9-210 FCRA 609 & 611 I have received a copy of my credit report and after reviewing my credit report I hereby respectfully dispute and demand the immediate deletion of the following inaccurate items pursuant to 15 USC 1681 sec.611 of the FCRA # 1 & 4 . FACT : The FDCPA & FCRA is to secure my right to privacy. 
FACT : The FDCPA & FCRA protects consumers from having their reputation ruined by Debt Collectors. ( This violation has occurred via debt collectors posting on my consumer report without my written permission ). FACT : The FDCPA & FCRA is in place to protect my rights against abusive debt collectors. FACT : Affidavit has proof in exhibit A that the following debt collector ( s ) has violated 15 USC 1692B ( as they are not allowed to say that this is an attempt to collect a debt which I deem to be harassment and abuse ).

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & amp ; SECTION 617. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission, CFPB, OCC, FDIC, XXXX  and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I am sure you are well aware of the Class Action Lawsuit ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was a victim of a Scam. Someone hacked my XXXX account and posed as XXXX customer service to help me purchase a sculpture. They were able to recite personal XXXX correspondence between the seller and myself, thus signifying to me they were indeed from XXXX. 

In an email ( from XXXX XXXX XXXX XXXX ) this phony XXXX customer service confirmed they would return my money if I didn't receive the sculpture and asked me to transfer {$360.00} via. XXXX to them. After I did so, when they immediately asked me for more money, I became suspicious and asked for my money back. When they refused to return my money, I hung up and immediately issued a fraud case with Wells Fargo XXXX customer service with XXXX XXXX XXXX XXXX XXXX XXXX opened a fraud case # XXXX and said I would be hearing from a fraud examiner in XXXX days. 

On XX/XX/XXXX when I didn't hear back, I called Wells Fargo Fraud customer service. XXXX XXXX confirmed they had my case, but I needed to speak with another department because " it wasn't fraud but a scam ''. I was transferred to XXXX XXXX who said I needed XXXX claim, and I was transferred to XXXX XXXX who said she would transfer me to the Fraud department I was first speaking with. At this point I thought it best to go to the bank. 

On XX/XX/XXXX at the Wells Fargo 's XXXX NJ XXXX, I met with banker XXXX XXXX XXXX. he called the fraud department I was speaking with and confirmed they had my case, and I should be hearing from them soon. 

Today XX/XX/XXXX when I still had heard from no one, I called Wells Fargo 's fraud department. XXXX XXXX saw my complaint in their system, but said she needed to transfer me to the XXXX XXXX department. She said she would remain on the line, but didn't, and I was transferred XXXX to XXXX XXXX in the general customer department. At this point I gave up and decided to open this complaint. 

Additionally, I contacted XXXX and discussed this and they said basically they could not help me.
Product: Credit card or prepaid card

I was visiting XXXX in XXXX of XXXX, ( first time there ) I purchased one item at a store in XXXX XXXX XXXX on with my credit card. When I arrived at my resort I noticed that there were three charges on my credit card, one for {$210.00} which I believe was for my purchase, however there were two more changes that I did not authorize, one for {$230.00} and another for {$210.00}. I do recall when I was with the merchant that they ran my card a few times and stated that they did so as the machine was having an issue. They even brought in a second machine for the purchase. The charges took place on XXXX I submitted a dispute with Citi Bank immediately, and then was advised this was not a dispute but was fraud. I followed up with the fraud dept and then was advised this was actually a dispute. The dispute was then decline and I was advised they would be sending this over to their fraud department as it is actually fraud. Today XXXX is the 9th time I have reach out to Citi bank. I was told today this is not fraud but a dispute. I am getting the run around and can not get anyone to resolve my issue. I even spoke with the fraud supervisor XXXX today, she was in no way helpful. I had the one of the worst customer services experiences I have ever had. I requested to speak to a manager, I was advised by XXXX that there was no one above her and she was the only person I could speak to. 

I feel I have exhausted all options to get any assistance from Citi Bank. I can not seem to get the fraud dept. to speak with the disputes dept. I did not receive any goods for these purchases, and the fact that Citi Bank is allowing the merchant to keep the funds is very concerning. I am not feeling protected by Citi Bank. I am an excellent customer and would appreciate if I can get an explanation for why this dispute was sent to fraud if in fact it is a dispute? Or why this dispute is being declined. I would like to see the documentation from the Merchant on the purchase for these changes. 

I was actually told that due to me handing the card to merchant even though I did not authorize the charges, that I had some fault. It was said a few times to me you had the card in your possession I understand that I had the card in my possession, does that mean I have no protection from Citi Bank if the merchant fraudulently chooses to run my card multiple times in order to steel funds? Any assistance in this would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED ALL 3 BUREAUS TO REMOVE THESE HARD INQUIRIES THAT I DID NOT AUTHORIZE REMOVED IMMEDIATELY. THEY ARE NOT COMPLYING, I HAVE SENT LETTER AFTER LETTER AND STILL, HAVE NOT RECEIVED ANY PROOF. THIS IS HURTING ME ALOT AND I NEED THIS FIXED. THE INQUIRIES ARE LISTED. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Took out a loan to attend XXXX XXXX XXXX  through my local XXXX XXXX.. Well they ended up not providing my training and instead they sub contracted me out to XXXX XXXX XXXX an unaccredited for profit training company that has since gone out of business.. I XXXX my truck and had a XXXX child that is now on ssi and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from sally mae.. The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Product: Mortgage

On XX/XX/2024, I called Mr Cooper XXXX XXXX to inquire why my escrow increased as my insurance did not go up. Also wanted to ask about whether I can pay for taxes and insurance directly versus using escrow. I called the service number and the automated system just give you information that doesn't answer my question. I ask to speak to a customer rep and it sends me back to the information page and gives me the same.information. Again I ask for customer service about XXXX times and the automated system does not connect you. This isn't the first time this has happened to me with this company. Borrowers should be able to speak to mortgagor and not an automated system to get specific details not on the system.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXXXXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 

I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greately my consumer reports and life.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute the accuracy of loan-related information on my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Upon reviewing my credit report, I found that the information reported by [ XXXX XXXX ] regarding account number [ XXXX  XXXX ] is inaccurate and requires immediate correction. 

The information associated with this loan is [ incomplete/fraudulent/inaccurate ] and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and verifiable data. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any incorrect information, and your bureau is required to conduct a reasonable investigation. Additionally, if this account was opened as a result of identity theft, the Fair and Accurate Credit Transactions Act ( FACTA, 15 U.S.C. 1681c-2 ) grants me the right to request its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative accounts from my consumer report, which have been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to all three credit reporting agencies, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off to the consumer reporting agencies regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. This has been ongoing for two years and XXXX has willfully provided inaccurate information about my credit history and though I have brought this to your attention this specific account remains on my consumer report. These entries violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose