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

This is the third time this have happen and I need it to stop. 

I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First Middle & Last Name XXXX. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. 

Delete any and all other phone numbers listed. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section Thanks in Advance
Product: Credit reporting or other personal consumer reports

XXXX XXXX  there was a late payment implemented on my credit report. I contacted the institution multiple times on this matter with no resolution. The institution is Navy Federal Credit Union. 

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC -1681 section 602 states I have a right to privacy. 15USC-1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC-1666b a creditor my not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and Experian need to send proof. For 5 years I have complained that XXXX XXXX XXXX XXXX ( XXXX ) and Experian did not have permissible permission to have accessed my credit report in XX/XX/2017. This would have stopped the fraudulent loan from going forward. For 5 years I have requested copy of their permissible permission used as evidence to have accessed my credit report. For 5 years Experian has passed the buck to XXXX and replied We contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. Experian and XXXX have yet to send what I requested as proof for Experian and XXXX to access my credit report in XX/XX/2017.
Product: Checking or savings account

On XX/XX/XXXX I went to a local JP Morgan bank here in XXXX XXXXXXXX XXXX At that time, we gave the bank officer money and he in turn gave us 3 Chase Cashiers Checks. On the Chase checks, the date was listed and it said that they were void after 7 years. On XX/XX/XXXX and XX/XX/XXXX, I deposited the checks into our checking account. All three checks have been returned, as there are no funds available concerning these checks. The checks are worthless. After having a case started and speaking with the branch manager and numerous people in the Escalation Dept, it was determined today that Chase declared the checks as unclaimed funds sometime in XXXX. I was told by a person called XXXX in the Internal Dept of Chase that she has no idea where the money went. She said it could be in XXXX XXXX, or possibly XXXX. She didn't know and it was my job to find it. She would also not tell me what city she was located in. 

At no time did I ever receive notification that my checks were useless as they state on the check that they are valid for 7 yrs. Can someone please help me locate my money, as a XXXX search produces no results for unclaimed funds under our names.
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 fail to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they do not comply with the error resolution requirements under the electronic fund transfer at EFTA in regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for all these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other XXXX to tell CREDIT BUREAUS that I am a XXXX XXXX XXXX XXXX and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

MS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to fix issue with XXXX, have been placed on hold with no answer & talked to representatives that did not understand the issue. XXXX has reported a credit card as late. 

Im accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy.

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

Under 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with ATT that I paid monthly through my att portal login. 

After i paid the balance in full, i received a credit reporting alert from Experian notifying me that a collection was added to my account. 

I pulled my report and a company I have never heard of SUNRISE CREDIT SERVICE, was listed as a collection. 

I called the SUNRISE CREDIT SERVICE immediately, and explained that they have erroneously reported as a collection on my credit report. 

The representative said that I should call XXXX I explained that XXXX  has nothing to do with SUNRISE CREDIT SERVICE reporting as a collection on my report and XXXX XXXX XXXX needs to remove this error immediately. 

I contacted XXXX  to inform them of the situation. They opened a case and was suppose to contact me with a resolution by XX/XX/XXXX. 

XXXX  never contacted me back with a resolution. When speaking with XXXX, I told them I have always made payments to XXXX and I have no knowledge of SUNRISE CREDIT SERVICE.

When I checked my report, a few days later, SUNRISE CREDIT SERVICE, updated that I had paid them in full.

SUNRISE CREDIT SERVICE is reporting untrue information. I never received any correspondence or any information about this company. I had never spoke with them, nor paid them any amount. I did not know this company even existed. 

I have my XXXX statements that show I made all payments to XXXX  through their client portal, as I have for years. 

SUNRISE CREDIT SERVICE needs to remove their name from my credit report.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've sent disputes regarding unknown and inaccurate accounts I found on my credit report, I feel like I'm being taken advantage of and being ignored of my disputes. Since I didn't received any response and its almost 90 days now. I Demand to REMOVE ASAP those inaccurate and unknown accounts or I will file a litigation.
Product: Mortgage

To whom this may concern .guild mortgage company has been sending me threatening me just start making me pay my monthly payments. I am involved in the Cove in 19 caract for forbearance. I have evidence that shows that I have documents that prove that Guild mortgage has allowed me to be involved in the forbearance program. I want this lettuce to be stop sending to me from Guild mortgage. Do you start emants that I have proof that the situation is existing and going on. Am I want is threatening letters to be stopped immediately.
Product: Credit reporting or other personal consumer reports

I received my ChexSystems report and noticed a inquiry from XXXX XXXX on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX and was provided my 10 day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them XXXX times and been given a different answer. I have files disputes with each of the XXXX credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days late!
Product: Checking or savings account

Requested to cash two {$420.00} checks drawn on Chase Bank at a Chase location. Was told there is a {$10.00} fee because we do not have accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance XXXX : {$17000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX
Product: Money transfer, virtual currency, or money service

Let me explain the whole situation. I was trying to refund back XXXX, refunding my money back that I transferred to PayPal balance back to XXXX because it said there was an issue refund option. It was {$49.00}. So, I pressed refund thinking it was about to XXXX, and then it said refund completed to PayPal. And, remember this, it's been a day and a couple of hours.. I contacted PayPal support first thing in the morning, and they said that it was refunded to my XXXX. I don't see the funds in my XXXX. It's {$0.00}. And, usually with XXXX, I would probably get the money back now. I'm really XXXX XXXX
Product: Student loan

The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Debt collection

I was the co-signer for my son 's apartment at "XX/XX/XXXXXXXX '' XX/XX/XXXXXXXX Arizona, where he was living while attending college at XXXXXX/XX/XXXXy. In XXXX of 2020, when my son came home for XX/XX/XXXX he was informed by the University not to return to school because the University was shutting down, due to the Covid 19 pandemic. My son was also told that the remainder of his senior year would be completed online at home. Additionally, my son lost his part time job a XXXX XXXX in XXXX, also due to XXXX XXXX. My son and I subsequently drove up to XXXX on XX/XX/year>. We cleaned out and secured his bedroom and returned home. I subsequently wrote a letter to the management at " XXXX XXXX '' apartments in XXXX explaining the situation and mailed them the key to my son 's room. I also paid the rent for XXXX and XXXX, " In Full '' and asked to be absolved from the remaining rent owed per the lease agreement, which included XXXX, XXXX and XXXX for the reasons I explained in this letter. XX/XX/XXXXXXXX management responded to me by telling me, " That's not our problem ''. XX/XX/XXXXXXXX also sold my remaining rent payments to XXXX XXXX XXXX, ( XXXX ) XXXX and put a " Negative '' mark on my credit report.
Product: Mortgage

The property at XXXX XXXX XXXX XXXX XXXX was purchased in XXXX.I have been making my monthly payments up till XXXX due to loss of employment income and had to file for XXXX XXXX XXXX which was discharged in XX/XX/XXXX. 
After the discharge the servicer ( PNC by XXXX with XXXX XXXX Mortgage ) want me to pay additional {$20000.00} ( other fees ) which they verbally confirmed over a telephone conversation on XXXX XXXX as attorney, foreclosure fees etc during bankruptcy.I don't think I should pay their attorney after I paid my Attorney over {$10000.00} during the XXXX.I am already delinquent by {$11000.00} ( see attached XXXX statement ) due to loss of employment income because I was suspended from my full time employment in XX/XX/XXXX and in XX/XX/XXXX I was asked to resign my full time appointment or be fired.I am struggling to make my monthly payments and can not afford to pay their Attorney fees etc.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Net Credit continues to communicate with me. On XX/XX/22 I certified mailed them a cease and desist which they received. The cease and desist stated to cease communication through ALL mediums. Net credit continues to communicate with me through email and my consumer report. Further more Net Credit failed to provide clear and conspicuous information about this credit transaction that is pertinent in my decision making regarding this transaction. Due to their failure to provide CLEAR AND CONSPICUOUS adequate notice I was unable to make an informed decision on this credit transaction thus making the agreement with this company NULL AND VOID. Net credit is to cease all communication regarding this alleged debt through ALL mediums including but not limited to mail, email, phone, and ALL consumer reporting agencies immediately.
Product: Student loan

I sent the following email to Navient and to the Department of Education. I 'm making everyone aware of the problem as it appears to me that Navient has been doing this now for quite some time with no resolution. I am filing a complaint and will do so with any other institutions needed as well as filing a lawsuit if need be. I have gone onto XXXX and XXXX and Navient is WRONGFULLY reporting my student loan debt as a negative hard inquiry to these agencies. You are also increasing the balance with interest! I am making the payments requested even after being put on an income plan and was told NO PAYMENTS for 20 years then the entire loan would be forgiven as long as the paperwork was filled out every 11 months. This is not the case and now it is negatively impacting my credit report as well even though every month you ask for a payment as well as charge interest on it meaning it continues to go up and never go down! I want someone to contact to me by email ONLY as it will be in writing. I am further investigating at this time what needs to be done. I expect a prompt response from someone in management at your company in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Mortgage

Newrez sent a check to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a cancellation notice from XXXX for non-payment of my policy. I tried reaching out to Newrez but got nothing but a run around. I called XXXX XXXX and they have been on contact with them. The instructed them to cancel the check and overnight to them. They provided them with the overnight address. I have looked at my escrow account and do not see that a new check has been sent to XXXX. My policy is set to cancel XX/XX/year>, if this happens i will have such a headache with Newrez. From talking to my agent Newrez is not working with them at all. I have an escrow account with Newrez and I trust they are to take care of my taxes and insurnace. They have not helped to solve this issue with my homeowners insurance.
Product: Checking or savings account

U.S. Bank closed both my checking account ( ending in XXXX ) and credit card without grounds, causing financial harm. This resulted in missed loan payments and failed auto-billed transactions due to my inability to access my own funds. I have been a loyal customer since 2018, using this account for household expenses with no history of fraud, overdrafts, or policy violations. 
Despite multiple requests, U.S. Bank refuses to provide a clear explanation for these closures. I have asked whether the decision was made by an automated risk model or a human review, and they have failed to respond. If an algorithm was used, I request a full justification for its accuracy, fairness, and compliance with consumer protection laws. If a human made the decision, I have the right to know whether discriminatory factors were involved. 
This account closure appears to be an example of unfair and deceptive banking practices, algorithmic bias, and financial discrimination. If this issue is not promptly addressed, I will escalate further, including legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report on XXXX that does not belong to me from XX/XX/XXXX PENTAGON FCU, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXL XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Bank of America credit card that I have a credit balance of .21 was closed suddenly after having it since XX/XX/2006. The excuse that was given was my co-applicant which is my mom had some debt. She has never been late on any of her cards and never used this card. I added her to establish credit. BOA lied by saying they tried reaching out .I asked if my co applicant is the issue take her off. They said if they open up the card than they will do that. You dummies, why not do that before you closed the card and will cost me an inquiry to try to reopen. No warnings or possible solutions were given before. The reps kept talking in circles and had a difficult time sticking to their original story. This card was closed based on assumptions. XXXX and XXXX would never act this way. My credit score is in the high 700 's but I'm being penalized again because of an assumption. This is simply wrong.
Product: Credit reporting or other personal consumer reports

I've disputed incorrect information on my credit report they have not investigated nor fixed the errors on my report.