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

I am requesting the removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report as my personal information was compromised in a data breach, resulting in fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, credit reporting agencies are required to block and remove information resulting from identity theft or unauthorized use of my information. I have the right to block and remove inaccurate or fraudulent information caused by identity theft or unauthorized use of my personal information. The information in question is fraudulent, and I am requesting that it be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been a victim a of identity theft and this needs to be deleted/ blocked immediately. I have enclosed proof of identity, a letter requesting this be blocked/ deleted, FTC Report Number : XXXX and a copy of fcra XXXX you are required to delete/ block this from my report within 4 days of recieving this
Product: Debt collection

I paid my balance of XXXX and they put it on my credit report after they cashed the check and then said that I owed XXXX.
Product: Debt collection

Sent a request on XX/XX/2022 to provide a binding contract with two signatures from me, XXXX XXXX and LENDMARK, but LENDMARK refuse to provide. Requested that LENDMARK be removed from my credit reports due to fraudulent acts of accessing my report without consent, LENDMARK refuse to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I financed a cad through Barnhall Financial Services Inc. and my payments that are always on time are not being made to the credit bureau.
Product: Checking or savings account

Having an available balance XXXX XXXX XXXX XXXX XXXX XXXX  being charged overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. 

XXXX conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and XXXX determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. 

I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of XXXX XXXX, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. 

This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX Banking autopay to reflect the {$2900.00} as the new payment going into XX/XX/2023. 

They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. 

My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. 

in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX XXXX XXXX was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. 

Further confusing the situation. My amended XX/XX/2023 payment shows me owing XXXX {$180.00}, which isn't accurate. I will {$2900.00} on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I tried to call One Main Financial but they put me on forever hold and when I got to speak to a person they were extremely rude to me and refused to continue communication. 
in XX/XX/XXXX I made a bigger payment on my account as well as in XX/XX/XXXX and XX/XX/XXXX however they reported it as of No data to credit bureaus. It is a fraud! They charge me a very high APR and do not work at all.
Product: Mortgage

After paying off the second mortgage on my home, the lien was not released. The failure to release the lien is threatening my purchase of a new home this week. I am unable to find any way to contact PNC Bank other than by phone call or snail mail.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

The security of Navy Federal not doing there job an they close my account for good
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect 11/03/2021, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Cease and Desist all collections or derogatory activity regarding the alleged debts on my credit report.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is in violation of my consumer rights and is affecting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask XXXX to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my reports.
Product: Credit card

I filed a dispute regarding an erroneous charge on my card stemming from a reservation for a private dinner. Initially, I paid a deposit, with the remainder to be charged on the day of the dinner. Upon receiving the final receipt on the dinner night, I noticed an incorrect amount had been charged to my card. 

I promptly submitted evidence to my bank outlining the discrepancy. However, I was met with a letter denying my dispute, citing insufficient evidence. I contacted the bank for clarification, only to be informed that they weren't directly handling the review process. Despite my efforts to provide more detailed information, subsequent attempts were similarly rebuffed with generic denial letters. 

Frustrated by the lack of clarity, I persisted in contacting Capital One, seeking guidance on the necessary documentation. Each time, representatives were unable to specify exact requirements, offering only vague advice to " provide more information. '' Despite my continued efforts to furnish additional evidence, the responses remained unchanged. 

Faced with a deadlock, I escalated the matter by mentioning potential involvement of the Consumer Financial Protection Bureau. Finally, my bank reached out to discuss the dispute. However, their proposed resolution was minuscule, merely adjusting the amount by {$2.00}, which seemed inconsequential given the larger issue at hand. 

Subsequently, the bank initiated communication with the merchant, who provided inaccurate information that led to the denial of my dispute. Despite my attempts to address this with Capital One and provide further documentation as instructed, I found myself in a frustrating loop of unhelpful responses. 

When I inquired about the status of the dispute, I was informed that no further investigation would be conducted once the merchant provided their input, even though the provided information was inaccurate and unfair. This lack of recourse feels unjust and leaves me in a frustrating predicament.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of a data breach and identity theft. Fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. 
Unauthorized Accounts XXXX. XX/XX/XXXX- XXXX - XX/XX/XXXX - {$650.00} XXXX. XX/XX/XXXX- XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XX/XX/XXXX- XXXX - XX/XX/XXXX - {$650.00} Supporting Documentation To assist with your investigation, I have enclosed : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of the police report and/or FTC Identity Theft Report filed regarding this incident.
Product: Checking or savings account

The same fraudster withdrew money twice even though I reported the fraud for the same person less than a week ago. Bank should block this fraudster after the initial complaint. 

XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 see appropriate redress for these violations.
Product: Student loan

I moved to XXXX in XXXX. When I first moved here, Nelnet accepted monthly student  loan  payments in XXXX funds with XXXX checks sent in the mail. Then suddenly they required those checks to be in US funds, so I opened a US checking account here and sent my payments that way. Then suddenly those got mailed back to me, and Nelnet said they no longer would accept them because they have a " foreign routing number ''. So, I would get a US bank draft every month and then mail the payments. Mail from here to US is unpredictable and payments often arrived late ( they would not accept post dated checks either ), the bank fee was $ XXXX and a hassle, so I inquired if there was another way to pay. They said they do indeed make exceptions for XXXX  residing customers and would allow payment by phone with my credit card. ( Online bill pay doesn't work either, nor does my debit card here -- because my bank is considered to have a " foreign routing number ''. ) For credit card payment I had to phone a NON toll free number, though. Anyway, that worked for about a year and was very convenient. Then I went on a XXXX  XXXX, and qualified for $ XXXX payments for a year on the income driven repayment plan. Now, I am back to needing to make monthly payments. I phoned just the other day to make my first one, called the NON toll free number as I had before, the teller entered my credit card information and then put me on hold approximately 3 times for 10 minutes each ( NON toll free! ) because she was unable to process the payment. Turns out, Nelnet no longer accepts credit card payments for XXXX  residing borrowers. She said " we used to do this all the time, I hadn't known the policy changed ''. She says the only two options I have now are to 1 ) have a family member residing in the US pay my monthly student loan amount for me ( ha!!! ) or, 2 ) POSSIBLY that a pre-paid XXXX  card would work. I will not burden someone else with making my student loan payments for me every month, and I find it appalling that the US student loan provider does not have an option for me to do this. When I asked if the pre-paid card method would work, all she could say was, " I don't know for sure, but you can try it. '' Why would I go to the trouble of buying the pre-paid card, calling the long distance number, waiting on hold, trying to make the payment -- all for it to fail? 
Why does Nelnet not have an option for someone who does not live in the XXXX to make a payment on their student loans? I surely can not be the only Nelnet customer who lives abroad. 
She had no other options for me. Get a family member to pay it, or buy a pre-paid card and try again but " it might not work ''. 
I refuse to call back and try this. If Nelnet wants me to make payments on my loans, from XXXX, they need to come up with an easy and fast way for me to do this. It is XXXX.
Product: Debt collection

I reached out to XXXX XXXX about a bank fee. They stopped responding and continued charging me and eventually closed the account and reported it to a debt collector, TRS Recovery. 

XXXX 's response to the CFPB contained inaccurate information and didn't answer my questions about the fees. Their response encouraged me to reach out to them directly. I did, and to this day, I haven't received a response from them. I filed a dispute with TRS, the collection agency that they sent my account to. XXXX only sent them my bank statements and didn't address the disputed amount. I spoke to XXXX in the customer service department at TRS. She told me that I would have to contact the bank directly. This isn't the way to handle debt collection. This wouldn't have gone into a collection status if XXXX had actually answered my question about whether I could close the account online after bringing the balance to a positive status. I've reached out to XXXX numerous times about this and when they do respond to other parties, they provide misleading information, and they don't respond directly to me.
Product: Credit reporting

Working on submitting dispute issue with TransUnion credit reporting company. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my XXXX & TransUnion Credit Reports.
Product: Credit card or prepaid card

I signed up for a five day free trial ( online ) for XXXX XXXX XXXX on XX/XX/21. Immediately, upon realizing that I would not be happy with this service, I cancelled the service the same day. My next credit card statement, from Citi Bank showed a full month 's charge for the cancelled service. I immediately disputed this charge with the credit card company. Initially, they issued a credit to my account in the disputed amount. Since then that amount was reversed and two more charges were made to my card, from the same company, which I, again, disputed. I have received three letters from the credit card company with attachments from XXXX XXXX of their " terms and policies '' stating that they will not honor my original cancellation. I have no confirmation of cancellation of this service, just as XXXX has no confirmation that I ever used their service. I consider this a blatant scam on the part of XXXX XXXX XXXX and must assume that Citi bank simply finds it easier to err on the side of the HUGE Company. 
I will appreciate any assistance offered to me regarding this matter.
Product: Debt collection

i had a XXXX at work and was taken to the hospital and im triple covered so it shouldnt of costed anything they told me i owed XXXX dollars and i paid it and no one has called me i just a letter ever couple months saying its not paid when i did and i called and left a message they never responded. now im talking to you guys just send me how to pay it again and i will i just wish there was more communicatio.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/LNBRYANT, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/LNBRYANT whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}
Product: Credit reporting

i have disputed inquires with credit bureau and creditors by certified mail and request that inquires be removed from my report because of fraudulent activity. I was employed by the usps which was compromised and also irs had a fraudulent income tax filing in XXXX 2015 these are not my inquires I did not assume credit or get a job with any of these companies.
Product: Credit card or prepaid card

I submitted a previous complaint, ID XXXX. It was closed when the company, Barclays credit card submitted a letter to CFPB dated XX/XX/2021 stating that checks were in the amount of {$1000.00}. XXXX and {$0.00} were released to me and it would take XXXX XXXX XXXX business day to arrive. 
Today is the XXXX of XXXX and no check has been received by me. 
Also one check payable to Barclays Bk Delaware fraud Dep at my home address, dated XXXX XXXX, 2021 was mailed and received by me ( see attachment ), in the amount of {$1000.00}. This does not make any sense that the check was not payable to me and the inside address on the letter showed Barclays Bk at my address, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, AZ. The funds were owed to me by XXXX XXXX to my credit card ending XXXX as a result of a flight cancellation. However, I had cancelled that credit card about XXXX year prior to cancelling my XXXX XXXXSee my previous complaint. 
It seems to me that Barclays is commiting the fraud. No interest has been calculated from the time XXXX deposited the monies. I am sure the bank is accruing interest. If I don't recieve the funds in 10 days I will contact my Senator and my House representative. You should not have closed my previous complaint until receiving communication by me that the corrected check was received and deposited by me. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, discovered on XX/XX/year>. I recently filed a claim against Macys Fraud Investigation Department on XX/XX/year> after making countless attempts to get my fraud charges disputed and dismissed. I received an answer from Macys on XX/XX/year> stating that they had determined both fraudulent charges ( {$1000.00} and {$810.00} ) were fraudulent and were removing them, and that they would be reporting this to the credit reporting agencies. 
I just received another letter from Macys dated XX/XX/year> stating that they are now holding me responsible for the 2nd fraudulent charge, late fees and interest totaling {$920.00}. They state that they have conducted their investigation using information that I provided and it wasn't enough information to support my claim.

MY IDENTITY WAS STOLEN, I have a police report, I provided them with the timeline of ALL of my communications with Macys and a copy of the flyer that the sheriff 's office made public to help find the woman that stole my identity. I have had to get a lawyer involved because this has harmed my credit, my health and my general life due to all the added stress of dealing with the incompetence and lack of empathy from Macys. Now, after being told that they used the information I sent them to prove the fraudulent charges were in fact fraud, and receiving a letter from Macys stating that it DID prove the fraud charges on my account, I'm now being told they are going to hold me responsible for one of the fraud charges. This is absolutely unconscionable that they continue to harass me, attempting to collect a debt that is NOT mine, and continuing to destroy the credit that I have worked my whole life to keep exceptional. 
I want Macys held accountable for their egregious actions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurate information. The consumer reporting agencies have need to report all information with complete accuracy. On this account I have a status of pays account as agreed on my XXXX and paid or paying as agreed on my XXXX, both stating my payments to this account have been in full and on time each month as per the terms of the agreement with the creditor. Yet I had a late payment falsely reported when I in fact paid on time. 
Ive attached a copy of my report to this complaint showing an inaccurate late payment reported on the following date, XXXX XXXX. This account is also reporting open on my XXXX, and closed across the other two bureaus. Please reinvestigate this matter and contact the nationwide credit bureaus to have them remove the late payment to reflect a paid on time and never late status and update my account.