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

After my first initial complaint theyve done nothing to validate the debt it is on the company reporting this information to make sure its 100 % correct the parties involved have not responded to any debt validation letters and now transunion is in violation of reporting false information please step in to further assist this have been a ongoing thing and they refuse to remove falsely reported information and is causing harm to my character and going along with this identity theft. 





According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my wet Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i opened a new checking account with Citi Bank in XX/XX/XXXX, and then they began to say that i still owed money on my old Citi checking plus account. So i transferred {$2400.00} to my old Citi checking plus account on XX/XX/XXXX. Since then, they have apparently reversed the transfer and imposed additional late charges of approximately {$150.00}. { I'm sorry i don't have the exact number. } When i call Citi all i get is transferred to another department and no one can give me an explanation of why my original transfer was reversed. Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME REMOVE AND BLOCK ALL THE ACCOUNTS THAT I HAVE REPORTED BECAUSE I AM A VICTIM OF HUMAN TRAFFICKING UNDER 605C. MY LIFE HAS BEEN A MESS AND IM TRYING TO GET EVERYTHING IN ORDER AGAIN. THESE ACCOUNTS ARE REPORTING FRAUDULENTLY ON MY ACCOUNT.
Product: Debt collection

A person called me from a unknown number stating they were trying to find out if I would be home to be served legal papers by a process server. I asked suprisingly what legal papers. The guy said XXXX XXXX law firm. He asked if the address he was giving me was mine. I said, " I don't know what your talking bout? '' The man calling as a process server gave me a number for XXXX XXXX XXXX. I called the number and know one answer a few minutes later a guy called back and said did someone call this number? I said, " Who is XXXX XXXX, They guy said, who is asking. I told him who I was and he told me i owed a debt on a XXXX XXXX. I said, " Know that car is paid off. The guy told me that i had not paid the car note since XXXX. I said, The XXXX has been paid off. Is this a scam or something? The guy began to holler at me. He told me I should pay my bills. I said, " The car is paid for. '' He asked for proof. I had nothing more to discuss with the guy. 
I was pretty shaken by the call because the car was paid off. I have know credit issues at this time. God bless those challenged, because i have had problems in the past. I am not perfect but I don't want to feel like I am in a pool of people searching to see who they can prey on. The other thing is there has never been any credit or collections concerning the XXXX XXXX on my credit for anyone to call or have a man to come searching for my address to serve me. It is very dangerous in America at this time. I want to find out my rights and also how to make my information private. I want to be harassment free people preying on innocent folks concerning debt, public access to my name, and address, phone number, and any unauthorized person invading my privacy regarding.
Product: Mortgage

My mortgage was recently sold from  XXXX  ( whom I had no issues with ) to a company calle d Loacare. I have tried to make my payment online and they refuse to take it! I wanted to do payments onlin e as it 's easier and the woman I spoke with when my loan was transferred stated it was easy and no problems. My payment is due today  XXXX   XXXX ,  2017 . I paid it online on  XXXX   XXXX ,    2017  at approximately  XXXX . I have an email they sent stating that it would be processed but they have not processed it and I should n't have to pay late fees. I called them numerous times only to be disconnected. The reviews for this company are all horrible and I 'm very frightened they will try to take my home. I tried to see if I could refinance with another company but I do n't qualify as I do n't have enough equity in my home. Please help! Someone needs to do something bout this crooked company.
Product: Mortgage

In XX/XX/2023, I inquired about this company regarding a Home Equity Line of Credit or Home Equity Loan. They advised me that they were not able to offer that however could offer a cash out refinance of my mortgage. I stated I was not interested in any refinance options as I have an excellent rate on my current mortgage and needed a relatively small amount of money for home repairs- it wouldn't make sense to triple my rate for my whole mortgage for that little amount. I ended the phone call having stated that I was not interested in what they were offering. Despite this, the company checked my credit and opened a mortgage application in my name. They have continued to contact me repeatedly over the past two months ( it is now XX/XX/2023 ) to 'get more information for my mortgage application ', have sent unsolicited copies of said application to my home which contain details such as my social security number and are therefore an identity theft risk to simply sit in the mailbox when I did not request or expect them, and have stated they will 'deny my application. ' Again, at no point did I EVER request that they open a mortgage application for a refinance and in fact explicitly and repeatedly stated I did not want to do a refinance with them or any other lender.
Product: Credit card or prepaid card

Hi on XX/XX/2021 I was approved for a Walmart Capital One Credit card to be used only at Walmart. After applying for the credit in the terms it stated that I could immediately use my card. I tried to make a purchase of {$88.00} on XX/XX/2021 and XX/XX/2021 Both orders Were Canceled immediately. Due to the Verification System Process. I called to ask what the Problem was in order to make purchases and Was told that their System automatically does this. That my available Credit was Placed on Hold and that I had to wait 1 to 5 Business days for the credit to become available. Although my transactions were canceled from their end online. I called back to express my frustration and Experience as a New Cardmember and Consumer. And Stated that It should not be so difficult to make a New purchase and that No holds should be placed on transactions that were automatically canceled after I Placed an order. A representative issued me two {$10.00} promotions to use for future orders. Yet my problem still isnt resolved. I called capital One to check my balance and availability of credit and its stating Zero when only One transaction went through for the amount of {$110.00} My other credit is Still on hold and Im unable to use what I need for a gift and my household. I also called to put in a dispute because the information on the automated System of Capital one is inaccurate. Its stating that my credit limit was used and its Not. Only one Transaction took place
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old PayPal account and I received XXXX hard credit checks from them for a new Business Credit Card XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX ). I called them and they closed the application and marked it as fraudulent. They told me my PayPal account associated was a business account and to call another service number for help closing that account ( XXXX ). PayPal had trouble finding the account, but eventually were able to find my old account from 8 years ago and close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy on my credit report. All the information was totally incorrect including the spelling of my name and birthday. I wrote the credit berueas. All three say that they got this information from XXXX XXXX and is valid. I wrote lexis XXXX and they sent this attached letter stating that this and other items are no longer on my report. I just got a letter today from Experian stating that they contacted XXXX XXXX and they said the Bankrupcy was valid. This is clearly fabricated. I would like them to remove this from my credit because it's not valid and totally against my rights. I attached letters from XXXX XXXX And Experian. XXXX XXXX and XXXX  sent me email notifications that the bancrupcy was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were in forbearance and the creditor reported that I was late during the time for two consecutive months for XX/XX/2019 and XX/XX/2019. I spoke with someone that stated they will take care of the issue and reverse it but never did.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information.

Equifax has continuously disregarded 15 U.S.C. 1681-1681x by restricting the ability to Submit Disputes and Hidden the results of previous disputes, These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This evening, I found unauthorized inquiries on my credit report, and I'm confused as to why. I regularly check my credit report, and this is the first time I've seen such discrepancies. I refreshed my browser, hoping it was a technical issue, but the unauthorized entries stayed. I'm deeply frustrated and need you to carefully review the documents I sent to ensure this problem is resolved once and for all.
Product: Student loan

XXXX -- Sallie Mae purchased loan and required everyone to pay for transcripts and mail proof residence every semester, and some people who moved -- which is NOT unusual, as students typ. 'ly go home every semester end, and re-rent a new place with a new address -- where some students didn't get the memo, that we were required to pay for transcripts and tell Sallie Mae , that we're Still FULL TIME STUDENTS -- look .... 

The GSL program does not require students to prove they're a fulltime student, nor prove where we live -- so if we did not, over 1,000s of students were denied their right to receive their financial aid disbursements, as they were told upon returning to college -- we were in default on a loan that to this day has never been told to me why the loan was in default. 

I wrote about five letters to Sallie Mae, so far, one in XXXX, and another in XXXX -- to this day they have not responded, only stating once on the phone in XXXX, saying they have done no wrong. 
Tell me, if the GSL program through it's own program, " ... no student can be denied ... their right to an education through the GSL program ... '', yet, I was denied my Financial Aid that school semester, XXXX where a class I needed to graduate was only offered that semester, and where I was forced to pay restitution and consolidate my loans, thus increasing the overall average interest rate .... 
Under Title IV Monies -- this debt is no longer valid, having been denied an education, and being denied the right to receive what was my right under this program written under this statue to protect the student, " ... where the student shall bear no harm through this program .... '' Over calling all peoples ... attorneys, Sallie Mae, XXXX, XXXX ; the Department of Education -- no one is answering the call as to why my loan was defaulted, and where frustration to pay for something that is and was and will always be illegal, and possibly criminal for corporate greed, as these loans were guaranteed to be paid to Sallie Mae without loss, IF THEY SHOWED THE LOAN WAS IN DEFAULT, they were able to get fees and interest paid in addition to loan amount, and why you have received this complaint. 
The GSL program on the promissory note ( one-page ), says to keep your Name ; Address ; and Phone Number current at the University, and maintain a GPA of 2.0 or better .... 

This was done, and yet, I was defaulted, and where no Government, nor Private entity has ever state to me why was I harmed by the use of GSL Program. 

Note : It is believed, numerous other Students were also harmed by Sallie Mae, when defaulting student loans wrongful only for interest and fees for profit to get money immediately through defaulting student loans, even IF they meet all criteria of the Guaranteed Student Loan Program, and Title IV Monies implemented by the United States Government, to Federal Law ... .in an effort to aid students less fortunate .... 

Thank you for your time.
Product: Student loan

I work at a XXXX, when presented with an opportunity to further my education and advance in my department in 2006 I enrolled in a XXXX college in XXXX XXXX, CA to do so. I applied for what I understood to be a Federal Loan via the internet in order to support my self, wife and ( at the time ) XXXX children. While in the program I would not be able to work as many hours in order to attend school and would have XXXX to perform. Unable to finish the program due to a medical condition with XXXX I was forced to return to my previous position and lacking the ability to repay the loan properly. My family has since after a very long and hard decision filed personal bankruptcy two years ago attempting to make a fresh start and going back to what we thought was ground zero. We now find ourselves below zero with the current garnishment from XXXX XXXX XXXX XXXX. I was first made aware of the garnishment as I received papers from my HR department notifying me of the garnishment. The papers were never received by myself at my place of residence nor was I personally contacted by XXXX XXXX XXXX XXXX and XXXX in an attempt to negotiate with us. The impending garnishment on my check will in fact force us to move as my income pays our rent for myself, wife and now XXXX children. Only any additional money my wife makes puts food on the table, gas and utilities etc. We consider ourselves responsible people and arrived at the decision of our personal bankruptcy very arduously and after a great prayer and consideration. Only after discovering the loan with XXXX XXXX XXXX XXXX was NOT Federal and that there is seeming absolutely no recourse as a consumer we are simply at a loss. I feel we will be in indentured servitude for the unforeseeable future as we have explored any number avenues with no foreseeable avenue for a solution. My mother lives locally and is reaching an age where she will need care limiting our options of moving to a less expensive area of the county, in addition I am reluctant to leave my current employment as it has excellent medical benefits and my children as well as my wife have immediate medical needs which our plan covers completely. My child is enrolled in resource at her school with a XXXX and i am reluctant to changer her environment as well thinking of her future. If I were to loose medical it would be disastrous. I am simply at a loss and need help. I am not one to evade responability but feel not all of the lending practices exercised here were forthcoming and upfront or conducted properly. I ask for your scrutiny in this situation as I have already sought legal help which again was fruitless. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and ACCOUNTS REPORTING NOT CORRECT : EQUIFAX : 1. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Consumer Loan

I had taken a loan out with XXXX finance XX/XX/2005, to do repairs to my house. I monies to repay them came out of my checking account automatic every month. Payments were made for about 2.5 years with no problem. Then my husband lost his job and I could n't afford to pay them. I had contacted them about the problem. However I have n't been able to pay them, so they put it on my credit. They have now sold the information to Midland funding, where they continue to report it on my credit. The problem I have is they have been on my credit for about 7 years already. I have disputed the account because they have stayed on my credit long enough. They never gave me the credit for the payments. They have also tacked on all theses interest and late fees that an {$7000.00} loan has turned into an XXXX debt. My dispute is that they have been on my credit for 7 years I thought it is suppose to come off. I contacted my bank and they said they only hold on to the information for only 7 years and they could n't give me my pay history.
Product: Credit reporting or other personal consumer reports

I notified Equifax in the CFPB complaint XXXX that the account XXXX XXXX XXXX was not validated by the creditor and they failed to remove this account or explain how this was verified. XXXX and XXXX deleted this account. Furthermore, Equifax failed to notate this account was in dispute within 30 days now this account in violation. Per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), you failed to provide me with the names and business addresses of each individual who verified the aforementioned item. XXXX and XXXX deleted this unverified account. Please see the attached credit report which shows that there is no creditor and no notation of a dispute and remove the account from my credit report or I will seek legal action.
Product: Credit card or prepaid card

I made an online payment to Wells Fargo of {$250.00} thru the Wells Fargo Mobile App on XX/XX/2022. On XX/XX/2022 Wells Fargo took an additional {$3200.00} from my Bank Account as an " Auto Pay. '' When I called Wells Fargo XX/XX/2022 that I did not authorized an auto pay of {$3200.00} and asked them to reverse the charge, they said it would be done in a couple days. I asked them to explain to me why {$3200.00} was taken from my account as an XXXX XXXX and they claim that I set up auto pay for the statement balance. That is not true. Further as of XX/XX/2022, they have not returned my funds and when I called, they are now trying to tell me that they have to " research '' this and that it will take until XX/XX/XXXX, and that additionally since my bank account is a non Well Fargo account, it will take an additional 11 days to return the funds. Further, when I now go into the mobile app and the desktop computer website, I am not able to change the autopay??? How is it that they can take money from my account in hours yet take 27 days to return my funds from my initial request on XX/XX/2022. They claim to be doing the best that they can. Really? If they are doing this to me, I am going to say that it is more likely than not, this is their standard way of cheating customers. Seems to be a pattern Wells Fargo. Lastly, when I asked to speak to a supervisor, I was told it would take up to 48 hours for a supervisor to call me back. How can this be possible that they can hold my funds for 27 days? I am not getting clear answers from them and the story changes from one day to the next. They refer to their " process '' yet can not tell me what that process is nor be held accountable. You can do better Wells Fargo and you need to do better.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXXXXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}
Product: Mortgage

I have sent Navy Federal Credit Union a notice of Rescission in XX/XX/, due to their failure of complying with the law and their violation of the Truth-In-Lending Act. Also Breach of Contract, Navy Federal willfully and willingly ignored my notice which took effect on the XXXX XXXX XXXX, as mentioned in the notice, they withdrew the following payment from my bank account without my consent on XXXX XXXX XXXX  Since it seems that they are ignorant of the Jesinoski v. Countrywide HomeLoans , Inc. case and the legal implications of their actions, I have sent a second notice of rescission to them, giving the a chance to cure their actions. 
But instead they keep send me threats through their correspondences, which clearly show they are not willing to abide by the law.