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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I went to school at XXXX XXXX XXXX in 2008. I used my XXXX XXXX XXXX XXXX XXXX XXXX that paid for school. The loan was originally with XXXX XXXX. Recently I received a letter from XXXX collection Agency trying to collect on this loan that was paid. They have put a hold on my tax refund to collect on a balance that does not match the loan amount. I believe it is out of statute for them to be even trying to collect a debt on this account. I have disputed the account requesting any paperwork that they have validating the debt and they have failed to provide evidence.
Product: Vehicle loan or lease

I have been doing business with GM Financial for years. I currently have four leases  with them and pay them {$2600.00} per month in lease payments. I got out of a lease early and leased another GM through GM Financial. In breaking with their past practices, they only forgave 6 payments as opposed to the 8 payments that they agreed upon. In addition, they stopped billing me in XXXX of 2018. Not knowing why I owed and expecting a bill, I sent them {$500.00} per month. They just dinged my credit report with a 60-90 reporting which is totally false and they also owe me {$1900.00} - two lease payments at {$950.00} each that they agreed to waive if I continued doing business with them. I tried to resolve this issue directly with GM financial and not one of the 4 workers I spoke to could find information on this account.
Product: Student loan

I sold my house and the title company sent a check to Mohela on XX/XX/XXXXXXXX XXXX XXXX Check number XXXX. Mohela cashed the check on XX/XX/XXXXXXXX Check included my name and Social security number. My account has still not reflected this payment. If they are not showing this in my account they need to refund the money ASAP.
Product: Credit reporting or other personal consumer reports

there are two Bankruptcy 's located on my report from all three credit bureaus that i would like removed due to the violation of my privacy this information was stolen from the courts and sole to the bureau 's and then listed on my credit reports displayed for all to see. I have two documents from the UNITED STATES BANKRUPTCY COURT THE IMFORMATION WAS NOT GIVEN TO ANY CREDIT BUREAUS OR OUTSIDE AGENCY.

SO, THIS IS THEFT AND I WANT THE FOLOWING REMOVED IF YOU WOULD PLEASE DUE SO TO CORRECT YOUR MISTAKE. BANKRUPTCY XXXX XXXX FILED XX/XX/XXXX CLOSEDXXXX/REFERENCE # XXXX BANRUPTCY FILED XX/XX/XXXX CLOSED XXXX/REFRENCE # XXXX
Product: Checking or savings account

A couple of months ago I submitted a complaint to CFPB, regarding unauthorized transactions from my Bank of America account. Bank of America responded to my complaint XX/XX/2023. Their response was to call the number ( XXXX ) XXXX XXXX extension XXXX, which belongs to resolution specialist, XXXX XXXX XXXX Since, XX/XX/2023, I have been calling everyday to obtain Bank of America 's response. However I haven't received any call back from XXXX XXXX or Bank of America in general. It has been more than a month since my complaint was closed and I have NOT received any call, voicemail, email or mail. I have called XXXX XXXX numerous times. After calling CFPB customer service, I was advised to submit a complaint. As any other customer I except clear communication with Bank of America.
Product: Checking or savings account

On XX/XX/XXXX, I deposited the check for {$3500.00} as I usually do and usually works and goes through later on a day later, I got ta use my account transfers and withdrawals. Ive been XXXX. I talk to customer service they tried to connect me after the department thats doing. It but that department did not respond then they called me and said it should be all good to go on Friday five days later still not good and I called them again and each customer service is saying something different and it seems theyre confused whos handling it and yet I still do not know what is going on with the account.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I received a collection notice from Franklin collections in XXXX Mississippi for an XXXX XXXX XXXX bill that I had disputed. I asked them to turn my phone off and they billed me for two more months. I agreed to pay Franklin collections {$100.00} to settle the debt, {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX and they agreed not to report it. No sooner than they got my money they reported it anyway. I held my end of the agreement but they didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name isXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Debt collection

Hi, I was falsely tricked into setting up an account at XXXX by the employees. First off I was XXXX at the time of the account being opened. The workers told me that even though I wasn't 18 that they could work around it, and i'm most certain that they lied on the paper work to get me approved. I would appreciate it if you could look more into the case. The workers uploaded my ID at the time and I was XXXX so the time frames should match
Product: Mortgage

On Tuesday, XX/XX/2020 I logged onto the website of Lakeview Loan Servicing ( https : //lakeviewloanservicing.myloancare.com )  with the intention of finally paying off my mortgage. I filled out the required form, submitted it, and was met with the error : " Error Sending PayOffStatement Email ''. Immediately afterwards I called the customer service at XXXX. I waited for a while and was told that there was no representatives available, and the call was ended. I called again the following day, and again was not able to talk to a representative - this time I was sent through a loop of menu items that gave me no option of talking to a representative. I tried calling other numbers for Lakeview Loan Servicing listed online : none of them responded, and all of them had the voicemails full so I could leave no message. Finally, I tried to email them through " secure email portal '' and received no response. Because the email was sent through their portal and they did not send me a confirmation email after submitting my email through their portal, I have no record that it was sent. Since then I have continued trying to call Lakeview without any kind of response. Now it has been two months that I  have been trying to payoff my mortgage to no avail, and have had to pay my regular monthly payment WITH interest. This unresponsive customer service is unacceptable, especially for a company overseeing something so important as the mortgage for my home.
Product: Checking or savings account

I have banked with Wells Fargo over a year now and Im constantly being charged bogus overdraft fees after I even opted out of overdraft. Pending deposits and withdraws that cause my account to overdraft. I even had an issue where Wells Fargo approved payday to be received two days early and when it showed my available balance I payed bills and Wells Fargo overdrafted my account. Their excuse was they have been having that issue and even though it shows the money was there it wasnt. And there wasnt anything they could do to give my money back. I am fed up I have lost too much at their hands.
Product: Credit reporting

Bankruptcy reports not removed in timely manner from Equifax despite disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization. 

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are XXXX XXXX  reporting 102 % utilization XXXX XXXX XXXX XXXX reporting 100 % utilization XXXX XXXX XXXX  reporting 97 % XXXX XXXX XXXX reporting 92 % XXXX XXXX reporting 73 % XXXX XXXX reporting 0 %
Product: Student loan

MOHELA is stating that my employment with the CFPB ended on XX/XX/XXXX whereas I have been employed at the Bureau without interruption since XX/XX/XXXX. 

As a result the eligibility of some of my payments for PSLF seems to be pending employer verification and the forgiveness of my student loans could be wrongfully delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking into my credit report because I plan to buy a house in the next year. When I pu lled my report I noticed multiple late payments shown under my student loans with FedLoan Services.  I called into the customer support line  XXXX   XXXX ,    2017 and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me FedLoan Services would n ot be able to do that. I have sent letters to the company and am currently awaiting a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( DISMSD/CLSD CH XXXX ) Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt
Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I Ask them to verify and send over information regarding their verification. They just sent that the information was verified which I know it was not. It was an automated system that just sent out that they verified this false information. 

I have proof from the original creditor with all the original information and none of it matches what's on my credit report. I disputed the accounts stating that these accounts were incorrect and I gave them the option to either update this account on my credit file or remove them per the FCRA. 

They chose to verify incorrect information that does not match the original creditor information. I then informed them if you can not verify this information properly you must remove it. You can not just have an automated system shooting out that this information is verified and must stay on your report if you did not do a proper investigation. 

This is harming my credit score beyond comprehension and it is stopping me from getting fare rates for housing and transportation. I am a regular consumer and just would like companies to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB- Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have no money. 

This bank had a technical issue and they handled it in most inhumane way. I was supposed to get my deposit 2 days earlier as the promised but it is now XX/XX/year> and I still have no received anything and my job did not get my deposit returned. They have no idea where my money is. This cost almost {$300.00} in late fees and returned check fees. They stated on social media ( which not everyone has ) that we will be compensated for all fees. I would like to be sure that this promise is kept and fees are issued in a timely manner and I would like this matter to be deeeply investigated. I am a customer, I am not a ceo ( which hadnt made a statement to any customers ) this situation that involves people money was handled so horribly and they need to be investigated.
Product: Payday loan, title loan, or personal loan

After paying off a loan I ask to make another small loan of XXXX just to show that I can consistently pay my bill I even asked to not do no inquiries on my credit the attendant said they would not but later I find they did now negatively affecting my credit score.

Pretty upset
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction are authorized, I was charged fees due to lagged posted of charges and credits. This issues aligns with the recent CFPB findings against navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these transactions were unfair and request a investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

Citibank and XXXX XXXX XXXX are implementing procedures that are against our second amendment and impacts law abiding citizens. The banks need to refrain from blocking services that are currently legal. They should also remember that it was law abiding citizens that bailed them out in the not too distant past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Transunion Report, XXXX XXXX XXXX has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, Transunion, and XXXX  ) for the month of XXXX and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection # XXXX was started by XXXX XXXX XXXX XXXX XXXX for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my Equifax credit report in XX/XX/XXXXof last year. I immediately disputed the report with both XXXX XXXX XXXX and Equifax. XXXX XXXX XXXX claims that I was removed from their collection and multiple Equifax representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to Equifax : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed XXXX XXXX XXXX to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 2. XXXX XXXX XXXX complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by XXXX XXXX XXXX. Please immediately remove the XXXX XXXX XXXX XXXX XXXX collection listing from my report. 

Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

formal complaint that credit bureaus reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate in accordance with FCRA 15 USC 1681, section 602 ; 15 USC 1681, section 604A, section 2 and 15 USC, 1666 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX  
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo is the holder of a line of credit I received through XXXX XXXX XXXX. Im not sure if its considered a Wells Fargo credit card because it has a higher balance than what I utilized from the store. They have informed me that there is a policy that any late payment, even by one single day, is subject to fines that can not and will not be discharged or waived. There is no recourse the public has to contest these fees. There is absolutely no grace period for this either. I had attempted to explain a number of health issues and hospitalizations and technical issues on the side of Wells Fargo that has prevented timely payments.
Product: Mortgage

I wrote the company twice in their secure messaging function. I wrote them on XX/XX/XXXX requesting that they remove escrow from my monthly payments. They responded on XXXX denying my request saying the XXXX did not meet their thresholds for removing escrow. I wrote them back saying that the XXXX does meet the threshold and I asked them what number they were using to obtain the estimated value of the property. They never provided the XXXX and instead wrote me back on XX/XX/XXXX once again denying my request and once again not providing any information on what number they were using to estimate the value of the property. I owe $ XXXX on the house and its value is easily $ XXXX.