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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Last Verified is not correct, Date of last activity/reoirted XXXX date opened, payment status is not reflected correctly along with past due amount, XXXX XXXX XXXX, high balance is incorrect, closed date, last payment date, credit limit XXXX XXXX XXXX XXXX Last activity, date reported and account type XXXX XXXX XXXX High balance incorrect, Date opened incorrect, payment status, last payment incorrect XXXX DOFED XXXX Last verified, Date reported, date opened last payment ( listed several times on my report incorrectly XXXX XXXX ( TWO DIFFERENT ACCOUNTS ) XXXX & XXXX XXXX, Account rating, last verified, XXXX XXXX XXXX last verified, Date opened Account raiting, closed date incorrect XXXX XXXX XXXX Last verified, Activity, Date Reported, creditor type is incorrect I looked at my Experian credit report on XX/XX/2021, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible e accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that it me of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed not to 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.
Product: Debt collection

Hi I lived at XXXX XXXX I got evicted .at first I didn't know about the Fair collection and outsourcing they did not send me a letter. it was on my credit report. I filed a complaint with you the F.C.P.B after you guys investigated it I received a letter from Fair collection and outsourcing.when I went to court I got the paperwork of from the court. satisfaction of judgment paperwork I would like to get this taken care of and off my 3 credit reports immediately
Product: Debt collection

Debt which is not owed. All equipment was returned to the school. This is not accurate and I want removed off of my personal credit file
Product: Debt collection

I have XXXX messages on my phone from a XXXX XXXX from Element Global Services saying he is going to charge me with theft of merchandise and have me arrested over my credit card debts he also called my mother who is sick and elderly XXXX times after he was told do not call he called her names and said she better give me the messages he then called my soon to be ex spouse on a number that should have never been found out and told him watch out and watch what he does I called my local police non-emergency and was told I should do this before making a harassment report on him he has called from many different numbers from XXXX NY and XXXX XXXX
Product: Credit card

XXXX capital one credit cards were opened in my name using an address that is not mine. 

The capital one accounts are as follows : XXXX with past due of {$450.00} Account was opened XX/XX/XXXX XXXX with past due of {$490.00} Account was opened XX/XX/XXXX The addresses that were used fraudentely are : XXXX XXXXXXXX XXXX  XXXX, NC XXXX this addresses was disputed and deleted by XXXX please help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX L, Account # XXXX # XXXX XXXX XXXX XXXX, 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: Checking or savings account

Wells Fargo Checking had {$450.00} unauthorized withdrawn. Upon calling bank I am waiting on transaction to post to refund instead of stopping the pending unauthorized payment.
Product: Student loan

I am a parent co-signer on my children 's student loans with XXXX, Navient and the XXXX. I want to pay down principal but ALL of them refuse to apply the extra payment to principal. I sent written instructions to XXXX twice and they ignored them. All of them apply it to the next payment. I sent an email to Navient and they sent me a generic " how they apply extra payments " with NO instructions about paying down principal. I 'm so tired of hearing about people in default. We want to pay it off sooner and all of them are blocking us from doing so. I believe this is intentional. 
If you could help me with this, I would appreciate it. If not, I 'll contact my Senators.
Product: Mortgage

Closed on house XX/XX/XXXX, Mortgage was sold to Shellpoint Mortgage XX/XX/XXXX. 
Shellpoint took 2 mortgage payments out on XXXX and didn't apply the second payment to anything on my account. They then took another payment on XXXX instead of applying the one they already took out. I called and they told me the second payment would be applied XXXX but the app and pay portal showed I still owed on XXXX. I called on XXXX to get the extra payment refunded and they said the money would be put directly into my account and call back by XX/XX/XXXX if I dont see the money. When XX/XX/XXXX came around I still didn't have my refund. I called on XX/XX/XXXX and they told me they just mailed my refund check that day. Over a week later, I received the check in the mail. 

XX/XX/XXXX I get home from work and have a letter from the Department of Revenue saying my federal tax return is being held due to delinquent property taxes. I called Shellpoint at XXXX on XX/XX/XXXX and their excuse as to why my property taxes did not get paid was that they " dropped the ball ''. I paid all of the property taxes that were due up front in XXXX when we closed on the house. XX/XX/XXXX and my property taxes are still not paid and my federal tax return is still being withheld because of it. This behavior is completely unacceptable.
Product: Debt collection

National Enterprise Systems has been calling my cell phone repeatedly about a debt owed by person other than me since XXXX XXXX. I have called them to take me off the list repeatedly, but they ca n't take me off the list without knowing the debtor 's name. They call me after the office is closed so I can not call them back. I have blocked the number, but they still leave voicemails. They need to stop. The last batch of phone calls were on XXXX, XXXX and XXXX. The person that leave messages is XXXX XXXX at ( XXXX ) XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX i was in XXXX for vacation. I had a rental car throughout the trip and on the last day on the way to the airport, i stopped at one of the last gas stations before the airport exit to fill it up the car before i returned it. I used my XXXX XXXX card throughout the whole trip but once i got to the pump, never getting out of my car at any point, i asked the attendant for gas and gave them my XXXX. they stated that they didn't accept XXXX  so i went ahead and gave them my chase visa card. they charged my card and i went on my way, never getting out of my car at any point. i then returned my car and was on my way home. the next day when i arrived home, i check the chase app and see the {$44.00} charge for gas posted on XX/XX/23 with the description as " XXXX XXXX '' and categorized as gas. i also saw another charge " XXXX XXXX XXXX XXXX categorized as shopping for {$360.00} posted on XX/XX/23. these are the only charges during this period other than online amazon charges. i reported this to chase right away and even on that initial call, the rep stated that my card was swiped for those two charges at the same exact time- so this should be the first clue that the gas station attendant was doing something fraudelent. i wouldn't have time to go from the gas station to the store and make those purchases within a minute- i also don't know what i would buy at a gas station for {$360.00} in XXXX- the merchant names don't even match. i finally got Chase 's decision and they said that as a result of their investigation, i will be responsible for these charges since it was done in person with a chip. Chase 's outcome is only based on the fact that the chip was used, nothing else was investigated like asking the merchant what even was purchased with that {$360.00}, etc. if they even requested camera footage, they would see i was in the car the whole time. I explained to them the situation over 6 times at this point and still the same outcome. they are not investigating enough and claiming they did and then telling me to contact the store or the police dept in XXXX just trying to waste my time - that is their job. they are basing this all on the fact that the chip was used in person. as a credit card customer i feel helpless bc chase won't help or even investigate further and the whole point of even using a credit card instead of cash in places like XXXX is to feel protected as a consumer otherwise i would just have used cash. i am a XXXX  myself that hold a certificate, i would never jeopardize my certificate for a lousy {$360.00}. chase is trying to pin this on me and their incompetent staff are not thinking critically, they are probably just going through regular protocols that just don't make sense. the fact that both charges were made at the same time and the two merchant being different should make it obvious. also forgot to mention, chase requested itinerary details and i provided it to them without an issue and then they said that wasn't sufficient although i literally provided what they requested.
Product: Checking or savings account

My bank froze my checking account due to their suspicion that I tried to deposit a fraudulent check. I now have XXXX access to the money I need to pay my bills and purchase food. The check was written by my mother as a XXXX present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 2 accounts with XXXX XXXX  XXXX that are past the statue of limitations the as per the bureau the XXXX and the other is XXXX and both are over 7 years old and should not be reporting the other is XXXX XXXX XXXX XXXX it actually had a charge off date over 8 years ago and again should not be reporting.
Product: Debt collection

They Keep harassing me and I own no debt. Please have them stop, and not to share my number with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from Transunion telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the BIG XXXX  don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the Big XXXX accountable for their sloppy performance.
Product: Credit card

I placed an order on XXXX ( XXXX ) on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  order number XXXX. I received the package on XX/XX/XXXX. I had an allergic reaction to the new formulation of the sunblock which prompted me to request a return for the items. 

To return the items I need an RMA # and the return address, however the return was denied by XXXX saying Items in some categories are not eligible for return. Per XXXX return policy you need to request a RMA ( Return Merchandise Authorization ) number within 14 days of receiving the item. I have 7 unopened, original condition/packaging sunblocks that I was attempting to return. However, my return request was denied through my account. I emailed customer support on XX/XX/XXXX to request a return authorization. Please note the package was received on XX/XX/XXXX, which is well within the 14 day window to request a return. XXXX responded XX/XX/XXXX denying my return for the 7 unopened, original packaged sunblock. 

I emailed customer support back on XX/XX/XXXX noting that the returns are for the 7 unopened original packaged sunblock. XXXX responded for the second time on XX/XX/XXXX, noting As special arrangement we will process the refund once the refund received on our end. However the representative did NOT provide a RMA # or return address to ship back the product. How am I, the customer, able to return a product without any information? 

I emailed XXXX back XX/XX/XXXX, expressing my disappointment in their customer service and have yet to receive a response from XXXX. Apple credit card ( Goldenman Sachs ) has now denied my credit card dispute twice saying " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I have provided screenshots of all the information and communications with XXXX within the document below. Additionally I have attached the denial for Apple Card received on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

I'm not the smartest man. Titlemax told me to make payments and I did. Now, after making the XXXX monthly payment their app said to make, they are telling me I have to pay XXXX now or they will take my car. I asked the employee that called me if there was anything I could do. She told me they can only help if I pay the amount. I don't have XXXX dollars to renew the loan. I thought XXXX a month was my payment. I can afford that. I can't afford to pay XXXX to extend a loan.
Product: Credit reporting or other personal consumer reports

Consumer report agencies have assumed a vital role in the reporting of consumer information and have a duty to report information with maximum accuracy. The information on file is is incomplete, inaccurate and erroneous and is prohibited from being reported by law. I was sent several letters saying the accounts were verified as accurate and the information was still not verified.
Product: Checking or savings account

The bank charged me for three amounts Im trying to put money into the account and it wont let me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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.
Product: Mortgage

Wells Fargo sent us a letter dated XXXX XXXX that we just received TODAY XX/XX/2022. Stating that they were nonlong will to move forward with payment assistance because they did not recieve the documents needed to review. These documents have been sent in via the ENVELOPE Wells Fargo provided to us. Emailed to the executive office contact and they still haven't received them. Wells Fargo has been XXXX percent discriminatory towards us. We have suffered with COVID. My husband and I both work in the restaurant business the hardest hit industry. Well Fargo has illegal cancelled our XXXX policy on this mortgage and continued to charge us for a product they cancelled with PUT our consent. And we submitted 2 claims they also claimed they never received them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Equifax data breach, my credit report information was compromised. Ive gone to great lengths to put security issues on my credit file, so if a credit application is filed, I am to be contacted to verify its for real, by calling my number. Now, since my information was taken, its back out on the market to anyone who can use it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.

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 15 U.S.C 1681c. { a } 5 } Section States : no consumer reporting agency may make any consumer report containing any of the following items of informationAny adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

contact the company no response. 
{$300.00} Balance updated XX/XX/2020 XXXX
Product: Mortgage

Last year I was XX/XX/XXXXwhich I had to pay out of pocket for removal. I tried to stay afloat but have fallen behind on everything. I have reached out to my mortgage department for a forbearance plan so I am able to pay off my medical and other bills I have past due on, so I can afford my mortgage. 
My mortgage department accepted my application on XX/XX/XXXX, but is telling me I wont get an answer till XX/XX/XXXX. And durning this time I will receive later charges. And have no type of protection on my loan. They also told me that I can not get a forbearance plan, since I am not unemployed. But speaking to fha they told me something different. I am extremely confused and dont know why my lender is not wanting to help me. My lender is flagstar bank.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had multiple charges that occurred on my SoFi Credit Card. I had received alerts on my phone that these were possible fraud charges. I was out that day and immediately went to head home to call SoFi about these charges on the same day. 

They submitted the fraud case on the same day but now on XX/XX/XXXX, with multiple calls to different support reps, the case hasn't progressed at all. One representative told me another rep had messed up the report previously and had to correct it. 

As of today, XX/XX/XXXX, I called again and to my surprise the rep told me the case was close without anything done with the fraud disputes... The rep told me they needed to try and reopen the case and contact upper management. 

I'm not sure if SoFi will be able to dispute these charges at all. The company doesn't even grant temporary credits until the dispute case is done either. I should not have to be stressing every morning and calling SoFi to see if my fraud charges have been dealt with.

I've called SoFi atleast over 10 times and each reps responses seemed unprofessional. Never have I been so frustrated with a bank such as this. 

These are the follow charges in question for SoFi Credit Card : XX/XX/2022 XXXX {$58.00} XX/XX/2022 *XXXX {$92.00} XX/XX/2022 XXXX {$63.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to   XXXX   this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith
Product: Credit reporting or other personal consumer reports

Its several hard inquiries from capital one card services and I never approved those hard inquiries I filed for a car and was informed that it wouldnt be a hard inquiries because its pre approval if Id have known it was going to be a hard inquiries I wouldnt hv went through with it the only inquiry should be my existing capital one account that was opened and is currently active
Product: Credit reporting or other personal consumer reports

To whom it may concern, There are queries on my credit report that are not mine. I do not recognize them nor have I authorized those queries. Please removed from my credit report as these inquiries are fraudulent