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

It is very important that the CFPB enforces 15 USC 6805 as it is the given to them by Congress to enforce the aforementioned. 

XXXX has been notified by me on several occasions to update my consumer credit report with the proper information with respect to the consumer. It is my hope that swift attention is brought to this matter ASAP. 

In XX/XX/2023, I informed XXXX of errors on my credit report. However, they have not properly updated my report. 

In XX/XX/2023 the I was notified by the IRS of cancellation of debt from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX is still reporting charge offs to my report. However, a charge off is considered a certificate of indebtedness which is income and income can not be reported on a CREDIT report. 

I ask that the CFPB enforces this so that XXXX can correct this terrible error for once and for all.
Product: Consumer Loan

calling my house leaving messages with my XXXX year old daughter telling her who they are and what they going to do they do n't have the right to leave messages with a minor and she do n't no what is going on and she is not on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a balance update was put on my Experian credit file stating that I owe {$520.00} to XXXX XXXX XXXX. I never received the original creditors documentation to verify that this information is mine and is correct.
Product: Student loan

As a young person in today 's rapidly growing world I took it upon myself to get a degree to better my chances at having a better future. Unfortunately during my time at XXXX College and XXXX University I found myself, like most blue collar students, having to borrow money to make it through. I was told that not alot of places will lend to a student who does not have a high credit score, this made things more tense, until I was told that Sallie Mae could help. 

This was not really a blessing but a curse in disguise. At this time I was working a part time job as a XXXX not making anything and still had to work there even after my graduation in XXXX 2015 because the economy is bad and it became harder to get XXXX even after getting a degree. So a few months before my loans were due XXXX found myslef worrying about how can I be more proactive about getting on top of things and making my life easier. Well the answer I was looking for was never found. 

I called Sallie Mae about two months before and spoke with a representative about what i could do because it seemed like every loan I used from them was separate and had its own minimum payment and interest rate. I thought to myself this could not be right because that would mean i would have extremely high minimum payments and I would never pay this off living on a XXXX salary. Unfortunately my doubts were actually reality! The representatives I spoke with the first time told me that I was correct and that there was nothing they really could do at the time to consolidate them. 

At this time i was mad as all get out because how is that we go to college to become better yet we get stuck with tremendous amount of debt and hold us back from continuing our pursuit in academia. After speaking with a few representatives I get ahold of a different person they tell me that they can lower my payments from about XXXX to about XXXX. I am at this point tired of trying. They would never consolidate nor offer me the ability to add a cosigner. 

After this occured I gave up. I tried finding different loan companies that would consolidate but because I had so much debt no one would touch it because the loans ruined my credit score. Now at this time I am stuck and do not know how to fix my situation. 

So I call them back and ask again and i still do not get any help. Now remember, I started this way before they were due and now it is past due. Now it is almost two months past and they threaten me with collections. My credit score has dropped tremendously and now they tell me we can give you 2 % interest rate and a payment of XXXX per month. Um, excuse me but why did you not help me before when you knew i could not afford the original payments and now I have a XXXX credit score and stuck with a financial burden that already adds stress to my already stressful life seeing how my job is not particularly liked at this time. 

It has caused an undue hardship on me and my family and quite frankly it is not fair. I can not find anyway to get out or get help. So maybe this rant can help others and maybe bring attention to a problem that needs a lot of help fixing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to XXXX and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and XXXX advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.
Product: Checking or savings account

I filed a dispute claim with PNC bank about a transaction with " XXXX XXXX '' for the amount of {$29.00} on XX/XX/2020. The product never came, I could not get a hold of the company that I bought the product from, and PNC denied the dispute.
Product: Credit reporting or other personal consumer reports

RE : Inaccurate Reporting Recently, Ive reviewed my credit reports and found the following inaccurate late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX According to the fair credit reporting act ( FCRA ) 15 U.S.C 1681i all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy of late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Product: Credit reporting or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERT FROM MY EXPERIAN CREDIT PROFILE Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

This account was charge off in XX/XX/XXXX and was reopened with a new balance in XX/XX/XXXX. This information is incorrect and this account should be deleted. By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX
Product: Payday loan

Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY.
Product: Checking or savings account

I opened a checking and savings under promotional terms advertised on Citizens Bank 's website https : XXXX? offer= to earn {$300.00} to open a checking account, {$200.00} to open a savings account by maintaining $ XXXX for 3 months and an additional {$100.00} to do both. 

I met all the requirements but only received the {$300.00} checking bonus. I contacted customer service +3 times. Most noticeable was with XXXX XXXX on XX/XX/20 where the {$300.00} was paid out but no mention of the remaining {$300.00}. I contacted CS again and XXXX XXXX replied on XX/XX/20 stating I do not qualify for the bonus because the $ XXXX must be made one-time on the date of opening. I made 3 deposit that added up to $ XXXX and have kept the balance at Citizens for more than 3 months. I spoke to CS over the phone and asked where this is referenced on the XXXX XXXX XXXX XXXX XXXX deflected my question and keep on referring to marketing materials to deny my {$300.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health
Product: Debt collection

I do not owe this debt with Kia financing. This debt was paid through an insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of XXXX for a negative account reporting as well as the accuracy of the information of the account being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] 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. 

623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account name XXXX Account numberXXXX Account type Auto Loan In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Collection Account I am writing to formally request the removal of a collection account listed under my name. The account in question is as follows : Creditor Name : XXXX XXXX  Account Number:XXXX Amount : {$850.00} Creditor Name : XXXX  Account Number : XXXX Amount : {$4600.00} This account is either inaccurate, unverifiable, or was reported in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have not received proper validation of the debt from the collection agency, and as per federal law, the item must be removed if it can not be fully verified within a reasonable timeframe. 

This is my third attempt to get these fraudulent accounts removed that are inaccurately reporting on my credit report, I am now escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities for further action. 

Please provide written confirmation of your actions and the steps taken to correct this matter. I expect a response no later than XX/XX/year>. Because this is the third time contacting you on this matter. You have disregarded my disputes both times with no changes to my report. Causing distress to me and my family. If this continues I will be forced to pursue legal action. 

Failure to comply with this request will result in me exercising my full rights under the FCRA, including legal action if necessary. 

Thank you for your immediate attention to this matter.
Product: Debt collection

These are not my accounts I have no obligation to pay these debts. i sent a debt validation request to the debt collector called Midland Funding LLC for both accounts on XX/XX/2021 to validate the these debts and you received it on XX/XX/2021 certified mail and return receipt see attached so you have 30 days since you received it to respond and validate these accounts under the FDCPA and FCRA you are in violation since you failed to answer me that means you couldnt validate these are indeed my debts and you couldnt prove that I have any obligation to pay these debts so you must cease all collection effort and desist any future communication with me.Remove these negative items from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested fraudulent inquires from credit report be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card balance information is incorrect ; the creditor will not provide proof that consumer attempted to correct the information ; the reporting information is incorrect. The account is closed but continues showing updated information as if the account reflected to be open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Received an alert that card was being used in XX/XX/2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after XXXX weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my XXXX account XXXX called XXXX, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called XXXX to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called XXXX on XXXX phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with XXXX and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a XXXX on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.
Product: Mortgage

Our mortgage company bundled our sewer tax into other bills paid out of our escrow for several years. Then suddenly the sewer tax stopped being paid. We called and Dovenmuehle told us that this was an error and that they would submit the payment. This happened two years in a row, then last year they told us that they did not pay sewer tax and apparently had never paid the past due sewer tax. While we tried to figure this out, the city put a lien on our house and charged us late fees and interest. I spent a few weeks working with people at XXXX XXXX ( the company that holds our mortgage and sold the servicing to Dovenmuehle XXXX in XXXX of 2015 to get it figured out. Finally I was told that the past due amounts and additional interest had been paid. We got a new sewer tax bill in XXXX and apparently the money that we had been paying toward the actual bill had been put toward the fees Dovenmuehle was supposed to pay, and now we were late on the current bill. We also saw that there were XXXX charges for " hospital tax '' billed on one day from our escrow. I called XXXX XXXX again and was told that those payments were toward the late fees which XXXX was supposed to pay - so they took our money out of escrow to apply toward bills they had promised they would pay and called it something else .... I do n't know if they were trying to cover up that they were taking our money to pay for their mistake or what. But to this date, the issue that has been going on for years has STILL not been corrected, even though XXXX XXXX repeatedly assured me in XXXX that I did not need to worry about it, it was all taken care of.
Product: Mortgage

Wells Fargo Predatory practices Issue started XXXX until the present Over {$50000.00} Wells Fargo attempted to escalate several foreclosures on property cooking their books changing ledgers and entries not applying mortgage payments to account stealing and not reporting over {$45000.00} in an escrow account or my activity report of XXXX XXXX repair funds from vehicle impact to the residence. XX/XX/XXXX Continually lied several statements to the Controller of Currency about having the funds and managing my account until I showed Wells Fargo the evidence I had of all my allegations humiliating me and defaming my character to obtain my claim funds meanwhile escalating foreclosures. Whereabouts pictures and documents and receipts of completed repairs had been submitted for over one year Where they finally admitted to taking the money XX/XX/XXXX Heinous way of obtaining funds by way Wells Fargo 's endorsing a check to me for the deposit, Wells Fargo tactic to put something on check for fraud to alert my bank and have proceeds sent back to them. 
Wells Fargo targets minority victims causing more financial hardship where safety and health concerns were a factor and egress to property no front entrance mail delivery was an issue and violations. My credit and reputation were compromised family member was placed in a XXXX home due to Wells Fargo 's actions Wells Fargo 's public notices of foreclosures made my property a target of vandalism and theft. causing security concerns and stress. Wells Fargo has done much more it is a criminal enterprise, not a bank.
Product: Money transfer, virtual currency, or money service

I use PayPal on a daily basis to send and receive money. Today on the XXXX of XXXX i received an email from PayPal including the following : " During a recent review, we found an unacceptable level of potential risk associated with your account. As a result, we've permanently limited your account and you can no longer use PayPal. '' I have {$2500.00} usd and {$2200.00} aud in my paypal balance and for them to close my account without reason just because they see a potential risk in keeping my account open even though ive been using paypal since 2018 and never had a problem.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with the incorrect account listed on my credit report. This issue has harmed my reputation, and I need your help to address it.
Product: Debt collection

I have requested the lending entity that I will repay immediately XXXX USD and work out the rest ASAP of the balance of XXXXUSD at the moment. But they are not allowing me to do so and purposely allowing the outstanding to accumulate and continuously charge the interest. 
My repeated exchange of mails did not yield any result.
Product: Credit reporting or other personal consumer reports

I am a former resident of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL. I am disputing a collection account created on XX/XX/2020, for {$2900.00} on my credit report. At the time of eviction, I had XXXX, and Floridas executive order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus, Experian, XXXX and XXXX to dispute this debt. Additionally, the collection agency for the XXXX debt XXXX XXXX XXXX multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting XXXX, Experian and XXXX for XXXX years straight now by phone and mailing in all of my supporting documents to help them resolve this issue and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX Veteran who experienced XXXX in service and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my trauma from the XXXX behind. I never deserved what the XXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from the XXXX removed from my record. Thank you. Words cant describe how much my well being means to me.
Product: Money transfer, virtual currency, or money service

Reminder complaint XXXX Dear Ladies and GentlemeXXXX, please note the attachment. You're closed the complaint. But I'm not agree. 

Best regards, XXXX XXXX