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

I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX/ XXXX  {$71.00} 2. XXXX  {$100.00} 3. XXXX XXXX XXXX {$470.00} 4. XXXX XXXX XXXX {$83.00} 5. XXXX  {$760.00}
Product: Student loan

Navient is charging me XXXX a month in interest. I have asked for a COVID forbearance and they increased my loan interest from 4 % to 8.25 %. It consolidated my Stafford loan into a private loan. None on my loans qualified for 0 % interest. It is unwilling give a a student loan forgiveness, even though I XXXX  in XXXX  XXXX. When I have asked for help, they raise my payments. I have been making payments since XXXX  and I believe some of the loans were almost paid off until they consolidated them into bigger loans.
Product: Debt collection

i have asked and asked in writing, over the phone, filed dispute after dispute with credit reporting agencies. this is not my debt, i have asked for PROOF OF DEBT, DOCUMENTAION AND THEY REFUSE. THEY JUST CONTINUE TO STATE IT IS MINE. THEY HAVE TO PROVIDE PROOF UNDER THE LAW BEFORE THEY START TEARING APART MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX, XXXX is supposed to MAXIMUM POSSIBLE ACCURACY. This account violates these laws. 15 USC 1681i, 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Please Delete Account
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that my XXXX XXXX XXXX account was reported as a collection/chargeoff, despite the balance being paid through my tax refund and additional payments from my LES. The account has been listed as overdue for several months without my knowledge, and I was never notified of the late status. IRS documentation verifies that the owed balance was cleared with my tax refund. However, the account continues to be listed as a collection with a status of 'late 120 days ' despite the payment being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Commenity Capital Bank has been calling my home five times a day for MONTHS, in regard to a small credit card debt XXXX {$540.00} XXXX. They have threatened me with lawsuits. They called my husband twice and told him about the debt and the name of the credit card. They called my DAUGHTER last week, again mentioning the debt and the name of my credit card. I have the voice mail to prove it, as she forwarded it to me. The second time they called my husband and also my daughter, was Wednesday XX/XX/XXXX. I called the gentleman back, his name was XXXX, very upset about him contacting my husband and daughter. I told him I was going to file a complaint against them, and his response was " We're a XXXX dollar company. Do you think your complaint means anything? ". When I asked how he got my daughter 's number, he said we have a lot of people working in the background and they can get anything they want. I then told him that from now on I wanted all communication to be in writing, he hung up on me. He was very rude, also telling me I deal with people like you all the time, you don't bother me. Since telling them on XX/XX/XXXX that I want all communication to be in writing, I am still receiving calls, I've gotten three in the last two hours. One left a message from Commenity bank again, one had no one ( that spoke ) on the other end, The first call came less than an hour after requesting written communication only- it was a woman speaking XXXX, I believe. I need the phone calls and the harassment to end.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.
Product: Bank account or service

Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. XXXX XXXX  ( Double Cash Card ) ( Account : XXXX )
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Wells Fargo Bank violated our Constitutional Rights , Consumer Rights , Civil Rights , Economic Rights, as well as our very own Human Rights. 

We were going through financial hardship, we requested a refinance. The refinance would have solved our entire financial hardship, as we paid our loans down by making additional payments, the interest rate was low as well as the loan to value ratio was perfect. Instead, Wells Fargo Bank gave us hard time, did not apply payments as The Courts ordered Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 

Yesterday, I received an invoice from XXXX requesting a payment. Please see attached Invoice along with an e-mail from XXXX XXXX. Wells Fargo Bank is hoping to deceive us again, in paying those expenses as they have deceived us in the past, and led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed hundreds of thousands of dollars to pay for those expenses, to discover later on, that Wells Fargo Bank sold our notes to a client of a tenant in the Wells Fargo Bank Building. Also please see attached COURT ORDER directing Wells Fargo to pay the expenses and apply our monies to our promissory notes which Wells Fargo have violated and did not even apply our monies to the SBA note. 

Also please see attached supporting documents of some of the expenses paid on behalf of Wells Fargo as well as documents supporting our effort to get alternative financing, paying for title search, closing cost, etc. Whereas Wells Fargo Bank/loan servicer did not provide us with an accurate loan balances. Instead the loan servicer provided us with inflated figures that exceeded the loans by XXXX dollars without applying our credits. I have also attached a copy of some of the rent Wells Fargo admitted to collecting. Please note that there is much more rent was collected by Wells Fargo. 

Now in our XXXX, after we put all what we have earned to pay down our obligations, to secure future for our family ; Wells Fargo Bank robbed us of life itself, robbed us of everything we earned, robbed our investments and continue to robbing us of the dividends on our investments, an ongoing crime that need to be stopped, by Wells Fargo returning all our properties back to us, with free and with clear title.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

FASFA constantly harassing me. Company has not updated credit report as told.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$11.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$240.00}
Product: Debt collection

I dont know which company name XXXX XXXX and XXXX Net Credit This company post some debt on my credit report and I did not own any money with those company. I try to contact them but no one can explain to me where is the account come? They just tell me to pay it, but I have never do any business with those company. Please help me investigate this matter! Thank you so much!
Product: Mortgage

last year XX/XX/2017, i answered an ad from my mortgage comp Wells fargo. 
# 1 home campus XXXX XXXX la XXXX//.XXXX  to refie my mortg with them i want to lower my monthly payments the promo they sent me was what I needed at the time, my job was suffering financial cuts Loan # XXXX. 
after drowning me with numerous documents requests back and forth with them, many times asking for the same documents over and over through out the year XX/XX/2017. 
they claim i do not qualify for the promo refie they sent me, instead they sent me documents to start a new mortgage that extended my current 30 term to a 40 year term. i went for it the new mortgage lowered my payments {$250.00} dollars a month i needed to lower my payments i went for it. 
in XX/XX/2017 the mortgage was tranfered to XXXX XXXX XXXX loan # XXXX XXXX.. i feel i was suckered in and was taken advantage of to bait me with an offer they knew all along it wasnt going to be processed/ instead the new mortgage sounded good at the time to extend the term 10 more years, now that i have gotten my feet back on the ground im sorry i went for it at my age XXXX was this bad practice on wells
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, I tried to pay a bill online of {$4300.00}. Apparently, the payment did not go through, so when the paper bill came in the mail, I paid for it with a check - {$4300.00}. That check was written on XX/XX/XXXX, and cleared my checking account on XX/XX/XXXX. Then, on XX/XX/XXXX, the bank applied my online payment, 11 days AFTER my check cleared and the bill was paid, and 28 days after I tried to pay it on line, and removed {$4300.00} from my checking account, creating a massive overdraft. I called customer service, spoke with a lady whose name I don't know, told her of my problem, and she said, " So now you have a credit of '' of some figure close to {$4000.00}, but I don't remember how much. I told her I wanted the bank to reverse the charges on my card and immediately return the funds to my bank. She said they couldn't do that, upon which I said, why not? Banks and businesses do that all the time. She said that they could send me a check, but that it would take 2 weeks. I was not happy. That's two weeks of the bank keeping my money for their use, and not mine, not to mention the fact that that's a flagrant misuse of my credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX really affected my ability to pay my creditors so I am asking for the charge off to be removed from all XXXX credit agencies.
Product: Credit reporting or other personal consumer reports

TransUnion has reported negative information on my credit file without my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither TransUnion nor the reporting agency has provided this documentation. This raises serious concerns about TransUnions compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to TransUnion, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, TransUnion continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.
Product: Credit card or prepaid card

This criminal company ELAN financial IS NOT CALCULATING my reward points correctly and refused to give over 5500 rewards point, after calling 3 times and waiting over 20 minutes each time.
Product: Debt or credit management

I have fraudulent inquiries on my XXXX, XXXX, XXXX credit bureau reports please present permissible proof I requested theses inquiries.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Equifax feels Im not following all the steps. 

XXXX XXXX XXXX XXXXXXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Equifax for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 

I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting or other personal consumer reports

The fraudulent, incorrect, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled XXXX XXXX  in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I  have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.
Product: Credit card or prepaid card

I was issued a XXXX XXXX debit card with Bank of America to reimburse my loss of benefits from ssa. I have received the card, and can not activate it. Bank of America told me that The XXXX XXXX gave them the wrong information to activate the card. I have submitted the correct information to both Bank of America and The XXXX XXXX, as well as gone to Bank of America branches to try to activate my card, but I am having no luck. I still can not activate the card. Please resolve this issue thank you.
Product: Student loan

My account was sold to MOHELA. This company has placed me on forbearance so I called to ask why. They really couldnt provide me with information. I am continuing to be charged interest even though theyre not taking my payments. Im also having accrued interest added to my balances. Id like to know where this came from since no interest was to accrue during COVID. I also continued to make payments during this time. Lastly, they are charging me a flat XXXX XXXX interest even though my interest rates range from XXXX XXXX with only one loan at XXXX XXXX I told them this is illegal since I signed contracts for the other interest rates. I filed a complaint with them on XX/XX/XXXX and no one has gotten back to me. Thank you
Product: Debt collection

National credit adjust account # XXXX Violated 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe is inaccurately reflecting my credit history. 
Upon realizing the issue, I immediately contacted XXXX to address the situation and rectify the missed payment. However, I was disappointed to find that the bank provided no satisfactory resolution and failed to take responsibility for the improper delivery of the statement. They informed me that the only recourse available was to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Given the circumstances, I believe it is unjust and inaccurate for this late payment to be reflected on my credit report. The late payment was solely a result of the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure prompt payment.The late payment in question is in relation to my account with : XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several fraudulent inquires with Experian and the companies attached on the letter that I sent out on XX/XX/2017. As of today Experian is still reporting these fraudulent inquiries. I would like these inquiries removed as I am entitled to a fair and accurate credit report. The inquiries are listed below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX ( listed on my credit report several time ) 4. XXXX XXXX XXXX XXXX 5. XXXX   6. XXXX XXXX XXXX