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

Despite many assurances that the matter would be resolved, the negative items remains on my credit report, causing significant stress and financial inconvenience. 
The persistent presence of these inaccuracies is unacceptable. They misrepresent my financial history, hinder my access to credit opportunities, and cause ongoing distress. It is imperative that this issue be escalated within your organization to ensure a thorough and expedited resolution. I require the following actions to be taken immediately : 1. Immediate Removal of Negative Items : Ensure that all disputed negative items are expunged from my credit report without further delay. Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. 2. Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. Failure to resolve this issue promptly will leave me with no choice but to seek assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove these items immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9100.00} XXXX XXXX XXXXXX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - 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 an account without my written instructions.
Product: Credit card or prepaid card

There are numerous charge back and return fees on my credit card. I had let a friend use my amazon account but she paid with her credit card and now bc of differences between use she went to her bank and got a charge back on mutable purchases. And a check she wrote out to me in my bank account my credit and bank accounts are all messed up because of me trusting someone to much.
Product: Student loan

One 2-3 occasions, Navient placed my student loans on forebearance without with my request or permission. This was around XXXX and XX/XX/XXXX and XXXX. They automatically put the loan on forbearance even after I had already scheduled loans that were 5 to 6 days late. In XX/XX/XXXX, I called to change the date of my loan payment. The Navient rep stated I see you put your loan on forebearance. I let her know, you guys did ( Navient ). Im not sure if they can legally make the decision to put loans on forebearance for me since they make more money
Product: Checking or savings account

I have been accessed fees in the amount of {$380.00} mostly due to Overdraft charges from XX/XX/XXXX - XX/XX/XXXX. These fees were levied against my account because I trusted their balance information provided via their online account and telephone services. In addition, their computer system delays the debit of charges up to four days after the purchase has been made creating the opportunity for Overdraft fees in the amount of {$38.00} per incident. I was told by one of their representatives that the debit delays were caused by the merchant. 

As such, I owe them nothing for the following reasons : 1. All Overdraft charges were levied as the result of their system delaying the posting of 12 debits from XX/XX/XXXX to XX/XX/XXXX ( per their statement dated XX/XX/XXXX attached ). 
2. Their online and phone system provided me with inaccurate balance information prior to the transactions in item 1 above. 
3. I relied on their inaccurate balance information before making a decision to use their debit card as opposed to two other cards and cash in my possession at the time of the purchases. 
4. These bogus fees counter their very own policy which states Once a debit card transaction ( ATM withdrawal or purchase ) is authorized, a hold is placed on the clients account reducing the available balance. Funds on hold for pending debit card transactions generally can not be used for other purposes, even though the transaction has not posted against the account 5. I used other debit cards with the same merchants and those charges were deducted either the same day or by first thing the next business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. Experian and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX  XXXX  partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically : Inaccurate Information : My credit report contains incorrect personal information and inaccurate payment histories. This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy. 

Unauthorized Reporting : Entities reported information on my credit file without my consent, which breaches the permissible purposes outlined in 15 U.S.C. 1681b ( a ) ( 2 ). 

Validation Failures : Several debts were reported without proper validation, in violation of 15 U.S.C. 1692g. Debt collectors failed to provide documentation proving the legitimacy of the debts, including signed contracts or agreements bearing my signature.

Deceptive Practices : My report included unauthorized inquiries and deceptive reporting of late payments and debts, which contravenes 15 U.S.C. 1681s-2 ( a ) ( 1 ), prohibiting the furnishing of information known to be inaccurate. 

Privacy Violations : Debt collectors disclosed my debt information to third-party credit agencies without my consent, violating my privacy rights under 15 U.S.C. 1681a ( 4 ). 

Willful Noncompliance : Entities willfully accepted and reported inaccurate information, a violation of 15 U.S.C. 1681n, which allows for civil liability up to {$1000.00} per infraction. 

As a result of these violations, I am experiencing significant distress and harm to my financial reputation. I am seeking immediate corrective action, including the deletion of unauthorized inquiries, validation or removal of debts, and rectification of all inaccuracies in my credit report. If these issues are not resolved promptly, I am prepared to pursue legal remedies under the FCRA and related laws.
Product: Checking or savings account

On XX/XX/2020, Capital One Bank sent me an email ( copy attached ) informing me that I was eligible for a bonus on a savings account XXXX opened under offer code XXXX. Despite this written notification, the Bank is refusing to credit the bonus to my account.
Product: Debt collection

On XX/XX/year> I received a letter from National Credit Systems , Inc stating that I have not made a suitable arrangement to resolve a referenced Debt, also threating to report the account to consumer reporting agencies. This was my first time being made aware of assumed debt. This letter did not include a statement with notification that I could dispute and request verification of the debt.

Although the letter did not advise I had the option to dispute I still mailed a dispute letter and requested verification of this assumed debt. 
XX/XX/XXXX - XXXX # XXXX XX/XX/XXXX - Tracking # XXXX I never received a response letter and shortly, after this assumed debt was reported to my credit and I received a letter offering to settle with a lesser amount, although the assumed dept. was disputed and never validated This company is in violation of FDCPA 1692. After Mailing the dispute letter this company is still trying to contact me to collect. 

Documentation to follow
Product: Mortgage

I am trying to refinance my home, MR. Cooper holds a Lien on my home for a 2nd mortgage. Problem is I have never heard of them. I have never made a payment to them. And when you call customer service they have no record of my husband XXXX XXXX or me XXXX XXXX, Nothing under our social numbers, nothing under our property address .This has been going on for over 30 days and they just keep telling me they are researching it.

I have requested proof multiple times. I have asked for the NOTE lots of times and I have received.
Product: Checking or savings account

PNC causes my account to be over drawn so they can collect fees. I do not have overdraft protection. I can't spend money that isn't in my account. I pay for a product and it gets subtracted at time of purchase. They are charging me bank fees of XXXX a month if I don't have that much they will take it from a purchase that had already been bought and then charges me fees.
Product: Mortgage

Freedom Mortgage is refusing to provide us with our payoff amount until the last possible date required by law. This appears retaliatory in nature due to us having to file complaints in the past for their failure to properly pay two years of taxes and our attempt to refinance away from their company. 

Our new lender reached out to them onXX/XX/2020 and were told they could not utilize the automated request and had to email the request to get our payoff amount and then their request was not processed. When contacted and asked why, the company reported that they filed it as a duplicate request with the online request submittedXX/XX/20. The lender asked the title company to attempt to obtain the payoff. The title company called onXX/XX/20, the Freedom Mortgage representative said " sure, I can get that right over to you, what is the account information? '' After the account information was provided the representative said " there is a note on the account indicating that it can not be provided untilXX/XX/20. '' No further reasoning or justification was provided. The title company and the loan officer have submitted other payoffs to this company after ours and have already received them back. This was so out of the ordinary that the title company reached out to to the lender to let us know this is the first time, in dealing with Freedom Mortgage specifically, it has ever happened. 

We reached out directly to get the pay off amount, which in all the loans we've ever had has been easily found, and were told " we are legally allowed seven days before providing that information. '' They have made no statements or indications as to the technical reasons why in 2020, where all lending is computerized, a lender does not have that information readily available at all times or why this information can not be generated for us. 

It is these kind of predatory and underhanded tactics that have pushed us for the first time in five mortgages to refinance away from a lender. Now, rather than allowing us to leave, they're taking as long as legally required to make us wait until they can create some other roadblock to slow down our escape. Lastly, they have left us with an inadequate escrow balance after they used our escrow account to pay for penalty and legal fees ( {$680.00} ) related to delinquent taxes they failed to pay despite their promises to cover the fees ( reference previous reporting to CFPB that they covered these fees ). This company has a history of poor escrow handling and consumer financial transactions!
Product: Credit reporting or other personal consumer reports

XX/XX/13 @ XXXX AM I received alert that my credit score decreased by XXXX points. After investigating on the Wellsfargo app, it shows that I have 5 late payments within 30 days and 5 late payments within 60 days. I checked my credit report on XXXX, XXXX, and XXXX and it show that I have 100 % on time payments within 3.5 years. I called Wellsfargo checking because I currently only have a checking account with them and NO credit card to confirm that someone else did not open a credit card in my name. The rep on the phone said she could not help me so she transfer me to credit card dep who then transferred me to recover account who then transferred me to the business dep. At that point the call got hung up without speaking to a reep. I clearly expressed I was concerned about fruad but none of the reps wanted to help correct the incorrect information showing on their end or confirm that there was no fraudulant activity on my account. 

I have reached out to wells fargo to seek resolution to the issue but no resolution was taken by wellsfargo.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamtion of character ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXXXXXX Balance Owed : {$44000.00}
Product: Debt collection

I recently filed a complaint ( # XXXX ) with your company against Southwest Credit Systems , L.P., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, XXXX XXXX about a debt I do not owe. 

In response, " SWC state on XXXX XXXX, XXXX, XXXX contracted with SWC to collect the unpaid amount of {$490.00} on account XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. According to XXXX, the account became delinquent XXXX XXXX ''. 

I recently reviewed my credit report with XXXX dated XXXX XXXX, XXXX, and reflecting is a collection account in the amount of {$490.00} that was assigned on XXXX and reported to the CRA 's on XXXX by XXXX XXXX, located at XXXX XXXX XXXX XXXX, TX XXXX. 

This account was eventually removed from my credit report after informing them that I do not owe the alleged debt. 

Although, Southwest Credit Systems L.P. state on XXXX XXXX, XXXX, XXXX contracted with them to collect on the alleged debt. I believe they uttered untruth knowingly and they are XXXX XXXX, and was assigned the account before XXXX XXXX, XXXX removed it and put it back on my credit report under a different name.
Product: Credit reporting or other personal consumer reports

The collections account in question is listed on my credit report under the name of TrueAccord Corporation XXXX XXXX XXXX, and it pertains to an alleged debt of {$240.00} from XX/XX/year>. However, I dispute the validity of this debt and believe that it is inaccurate, fraudulent and should not be included on my credit report.
Product: Credit card

i have been waiting to received the check from CITI. my wife and i made over payments by {$10000.00}. my wife did not notified me she made two {$5000.00} ( {$10000.00} total ). it seems that they take advantage by earning the interest by hold my credit balance almost {$10000.00}.

then i decided to closed the account that might quicker for them to send me the check. i kept get disconnect when i was hold for closed account three times. 

thanks. 
my email address XXXX last four # XXXX XXXX
Product: Debt collection

This company calls me everyday, and have reported this XXXX party debt to credit bureaus affecting my credit report. They need to remove it from credit report and stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was recently stolen from Equifax, along with millions of fellow United States citizens. Although they are in fact a victim of cyber-hacking, they are also guilty of not taking the proper steps to safeguard the sensitive information that they have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from XXXX, TransUnion and XXXX .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ).

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Product: Mortgage

OneTrust Home Loans is actually the fictitious business name of Calcon Mutual Mortgage, LLC, a XXXX LLC headed by CEO XXXX XXXX ( XXXX ) and his brother XXXX. On XXXX/XXXX/2016 I recieved a solicitation telemarketing call from one of the employees, XXXX XXXX from his personal cell phone at XXXX. I asked XXXX how he obtained my personal cell phone number. He stated that he got it off of one of the tax returns of his mortgage loan client. I was shocked. I said " seriously you got ta be kidding ''!!! He actually pilferred confidential information off of a clients tax return. XXXX!!! 

If you use these wierdos your privacy is gone forever. To steal information off of a clients tax return and use it for telemarketing is beyond bizarre, it is likely criminal. 

Now for the wind up ... my cell phone is on the do not call list. I am registered. These OneTrust guys can not be trusted with your information and they do not follow the laws. It is in fact a crime to violated 47 USC section 227. The crime is listed under 47 USC 501. It is also a crime to violate XXXX Business and Professions code 17200. 

I filed a complaint with the Department of Business Oversight. I doubt the government will do anything to stops these mental nutcases. But you can do one better, do n't use them tell your friends to not use them either. Protect your privacy and get rid of scum telemarketers, use a different mortgage lender to get your loan. 

If you want to tell XXXX what you think of his racketeering enterprise, then email him at XXXXXXXXXXXX. But be prepared to be chewed-out like he did to me. 

The headquarters is at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against TRANSUNION for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to TRANSUNION regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, TRANSUNION failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Checking or savings account

I received an email from Chime Bank on XX/XX/23 regarding an account opened in my name with my email address, mailing address and SSN, but with a different out of state cell phone for the account ( XXXX ). I received several other emails indicting that a debit card was being mailed to my home. I emailed Chime several times with no response. I called them multiple times. It was almost impossible to reach a live person but finally spoke to someone ( after being " accidently disconnected 5 times ). They did not refer the account to any sort of fraud or flag it, but instead told me they would close the account and send me a confirmation letter ( which I still have not received ). I quickly filled out information on identitytheft.com and mailed Chime a letter asking for confirmation of the closing of the account and have not received anything to date. The next step recommended by identitytheft.com was to contact consumerfinance.com.
Product: Debt collection

The debt was paid and has a {$0.00} balance and the collection agency will not remove it even with consent of the doctor 's office that issued the collection. The doctor has stated they have been paid and agree to the removal. I would like this removed from my credit report.