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

Im submitting a report to the CFPB against XXXX credit bureau for failure to properly investigate my dispute regarding Transworld Systems Inc over an incorrect entry on my credit report. The report incorrectly lists a debt of {$1300.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but Transworld Systems Inc has not provided a signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
Product: Credit reporting or other personal consumer reports

Experian somehow deleted missing address that was listed on my credit file last yr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is causing me harm from accounts being reported on my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The KHOLS has been updating my account in my 3 credit reports with false information to destroy my credit. I've been contacting them disputing and they don't resolve the issue in hand. All they do is update the report with more false information. I also stated to them that the statue of limitation is over on this account since a last payment was made dated XX/XX/2013 XX/XX/2013. That account must be deleted off 3 credit bureaus they are reporting to and all they do is update the report with false remarks. I also send a letter regarding this issue and no action was taken on there behalf. There are validating my rights under the Fair Debt Collection Practices Act. In the event this issue is not resolved. I will find it necessary to sue KHOLS actual damages and declaratory relief under the FCRA. According to this regulation, I may sue KHOLS in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution on this matter. 

Attached is proof of all false remarks statement done on my credit report and and proof of last payment made datedXXXX XX/XX/2013 which the statue of limitation is over on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting late payments when the shouldnt and refuses to make the correctiions
Product: Credit reporting or other personal consumer reports

RE : XXXX  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 XXXX. Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX Listed below are the Inquiries that are being challenged DEPT OF ED - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 XXXX IN PERSONS OR XXXX XXXX XXXX  IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that Equifax ; XXXX  and XXXX  actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!
Product: Student loan

Due to an entry-level income after finishing college, I was unable to meet my steep $ XXXX student loan payments monthly. Navient, my student loan provider, recommended forbearance and told me I was ineligible for any form of income-based repayment over and over again. As a result, over the past 4 years, I have seen my XXXX student loans totaling {$42000.00} collect {$12000.00} in capitalized interest. I was told this was my only choice to keep my account current and in " good standing. '' I was never given any other options, short of failing to make payments altogether and destroying my credit in the process. 

It was n't until I learned that Navient was under investigation and started looking closer into my statements that I realized this had taken place. I have made regular payments, and yet my combined principles have risen to approximately {$55000.00}. 

I studied overseas, so my school is not in the drop-down menu below. I earned my XXXX from the XXXX.
Product: Vehicle loan or lease

I have contacted Chrysler Capital many times to extend my lease and faxed the documents required to extend the lease many times. Finally the lease paperwork was processed. I continued to make my payments. Chrysler sent no statements for months while I continued to make monthly payments. After many calls back and forth getting bumped to different departments I was told that the payments I made that are not reflected by Chrysler were received by Chrysler but returned to me. I explained that my bank statements do not reflect any credits from the company so they kept my payments but never applied them to my account. I then faxed them the company created statements and my statements which show that I in fact overpaid them. I spoke with a very professional and nice woman in accounting who was the only person to assist in any way who said that she can see no refunds were paid to me nor payments returned to me and that I overpaid by {$65.00} in total ( my math had me {$55.00} overpaying ). They asked me to again fax the statements which I did with detailed notes and I was told that my credit report would be fixed by the " XXXX XXXX XXXX '' ( If this is platinum I would hate to see what gold, silver and bronze service is ). I have never been so frustrated in my life and now my credit report that I have worked XXXX plus years on to never have a late payment is marked late in error which costs me monthly in my new leases. I would like my $ XXXX {$65.00} back and for my credit report to be updated to reflect my payments never being 30 days late. I will never do business with Chrysler again nor will I ever buy or drive a product that they produce. This is shameful and unfair to the loyal customer who made all payments per my obligation including the payment of my fee to return the car through my new lease. I have sent no less than XXXX hours trying to fix an error that Chrysler created after spending XXXX of dollars on faxes to first extend the lease and correct the billing errors they have not fixed but promise too. I have never files a complaint in my life about any company or service but until this matter is resolved I will engage every person that mentions buying or leasing a Chrysler product until the end of time. I can provide statements as well to prove the payments have been made and not allocated to my account.
Product: Checking or savings account

I have direct deposit from Social Security every month, of the XXXX of the month and it has always been available within XXXX hours. Yet for the past 2 months ( XXXX and XXXX ), Wells Fargo has NOT been clearing the deposit right away. 
In XX/XX/year>, I went to the local branch of Wells Fargo, in XXXX, to find out WHY my direct deposit was NOT readily available like it had been in the past on the day of the deposit. I couldnt get a straight answer from them. ALL i was told was that Wells fargo implemented a new policy of " early payday '' for companies. I asked why is should that affect my direct deposit. they couldnt give me answer... 
So, I wrote to the corporate office of Wells fargo. In XXXX, my social Security direct deposit wasnt available till XX/XX/year>! WHY??? 


" Dear XXXX XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. 

We appreciate you taking the time to bring your concerns and feedback regarding your experience to our attention. At Wells Fargo, we pride ourselves on developing and maintaining quality financial relationships and delivering the most professional and efficient service we know our customers deserve, so it is difficult to learn we may not have met those expectations in this instance. Please know your comments are truly appreciated, as they are critical to our continued growth and improvement. 

Our records show your social security XXXX has been deposited within the first XXXX says of the month since the beginning of the 2024 calendar year. 

Case status We have closed the case as of the date of this letter :. ". This was their reply ... NO REAL ANSWER as to why my Government direct deposit was NOT being available the same day, as it had been in the past.. THIS IS ALL so frustrating! I want to change banks due to all this frustration and Lack of Professionalism on their behalf.
Product: Credit reporting or other personal consumer reports

IN XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY " MONEYLION ''. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} I CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT BELONG TO ME...
Product: Credit reporting, credit repair services, or other personal consumer reports

Sezzle has reported false information over and over. I have tried to show this with documentation to both XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today I will be including the email conversation from the XXXX  with XXXX XXXX their CEO of Finance. Literally says the account is closed. Yet! XXXX and XXXX keep agreeing the account is open because sezzle. Hasn't reported anything sense XXXX. The account has never has a amount owed at the end of any month either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00}
Product: Checking or savings account

I was granted Guardianship of my father XXXX XXXX XXXX. I took the paperwork to the bank 2 times and they are not obeying the court orders. They are not giving me access to his bank account to pay his bills. 

KeyBank is also in violation of federal law that states government benefits such as checks from the Department of Veterans Affairs and Social Security is only suppose to benefit the person that the check is made out to. 

At this time my father benefit checks is only benefiting KeyBank. They are making profits off my father Department of Veterans Affairs checks by making loans and mortgages and not allowing me to pay my father debts.

Department of Veterans affairs and Social Security is the only two agencies that was funding my father checking and saving accounts.
Product: Debt collection

First Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Pay your account online at www.payfcs.com To unsubscribe from future emails, click here. First Collection Services has provided your notice below. 

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Depending upon your internet connection speed, your notice may take a few moments to render.

I do not have a debt with XXXX XXXX XXXX. I have not lived in Oklahoma in two years plus, when I moved out I had paid my bill in its entirety. This is a false debt collection claim and misrepresentation of myself and the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$32000.00} ; XXXX  - XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$320.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, he following accounts have violated my rights : Account name/ number XXXX , account # XXXX XXXX, account # XXXX XXXX, account # XXXX US DEPT ED, account # XXXX XXXX XXXX  XXXX  , account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX 15 U.S.C. 1681 Section 602 A Section 1 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I recently ( XX/XX/XXXX ) completed a Wells Fargo to Wells Fargo refinance. On XX/XX/XXXX, I received a delinquent tax bill in the mail for my school taxes. I immediately went online and then called Wells Fargo Mortgage XXXX to understand why they only paid {$100.00} on XX/XX/XXXX, when my school tax bill was over $ 5k? The woman ( XXXX ) I spoke to at Wells Fargo had to research with the Tax department. She called me back an hour later and said this was an error on their part and they will pay the late charges and fees. She said they looked at the wrong tax amount when verifying with the XXXX XXXX Tax Assessor. I explained that is great they will pay the late charges and penalties ; however we have a bigger issue now as my refinance took into consideration the lower school tax amount and used approximately {$8700.00} of my escrow to payoff my loan. When I closed I was unaware the wrong tax amount was paid on the old loan. All I knew was the school taxes were paid. I would of never of questioned that my Mortgage servicer would of paid the wrong amount. My new loan only had about {$1700.00} moved over to my escrow. They have my taxes wrong on the new loan as well. This error is on Wells Fargos part and is going to cause a major escrow shortage and financial hardship for me as I believe my escrow is going to go up about {$800.00} a month once they pay it on the new loan. If I would of known Wells Fargo did not pay the correct amount on my school taxes for my old loan I would of never of signed those closing documents. The goal for the refinance was to move from a 30 to a 15 year with bringing no cash to closing. I would have requested a higher principal balance to ensure that was the case. I filed a case with the Customer are and XXXX XXXX at Wells Fargo as well on XXXX with XXXX XXXX, Case # XXXX. The man that called me last night ( I did not catch his name as I was at a field hockey banquet for my daughter and dealing with this ) had me repeat everything, had no access to the mortgage systems and told me the notes documented did not align with what I was telling him. He showed no urgency that my school taxes are currently past due and that the penalties and late charges will continue to increase if not paid for the correct amount by XXXX. He was rude, kept throwing timelines of business days at me for researching if this is a Wells Fargo error or not ( it clearly is ). Told me if I did not spend the time repeating everything I had already told them he will need to research with what he had. I questioned his integrity so I asked for his manager to call me back. He told me it will be another two business days for a manager to now call me. I requested before the manager calls me they pull my call recordings from XX/XX/XXXX where I spent over 90 minutes dealing with this matter with XXXX and XXXX. If their notes are not written well, then those call records should be pulled. I need help from the CFPB to ensure this is resolved without putting me in a financial hardship.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of multiple laws set forth by Congress in regards to the following account XXXXXXXX XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report should not include information solely regarding transactions or experiences ( payment history, charge-off status ) between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that a person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is considered a certificate of indebtedness per the IRS, and income can not be reported. The IRS defines a charge-off as Gross or Ordinary income, which is not reported on the consumer report, making the reporting of this account inaccurate. This is unsatisfactory! 

XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX 's terms and conditions, they agreed not to share my information with non-affiliates. XXXX, XXXX and Equifax are not affiliates of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law.

I have a right to privacy, and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer, may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Money transfer, virtual currency, or money service

i have a Coinbase XXXX  account and in it was a balance to use for trading, selling, buying. Beginning XXXX 2021 I had a XXXX balance showing to use by Coinbase. all the sudden since XX/XX/2021, I have received emails stating I was unable to cash out any of the balance and owed. so, I waited, but needed to add more since the amount showed was unusable and added on XX/XX/2021, my own bank transfer of XXXX  since I was unable to use or cash out on the XXXX balance showing. I agreed to have Coinbase take what was theirs, and they instead took XXXX  total within 7 days and said I owed them that, i have emailed through the form online to have fixed and no response. my concern is the inability to use the original amount XXXX total, as if it was unaccounted for and they were not truthful and had used fake figures to take my money and not pay out my account when asked. plus, prior to the XXXX which i rightfully did not have on the owed amount of XXXX, I was seeing a lot of error try again later on the platform Coinbase uses, they took this as well. also, locked out for no reason or measure. I feel like i was frauded and stolen from. I just want the money i deposited and gained from Coinbase stock trades, refunded and the company to be exposed for fraudulently giving my money a false hope gain and their cash in and outr as willed figure be paid to me at my own time. like stated.
Product: Credit card or prepaid card

I've been with # capitalone for years but on XX/XX/XXXX I paid {$300.00} to my account and it NEVER went through on their side. It came out from my bank and was NOT returned. 

Over all this time I have sent in the proof that was requested no less than 5 times while speaking to Representatives that confirmed that yes I was right and I was not credited my {$300.00} to the cc multiple times as well. For some reason there was still an investigation where they credited me a TEMPORARY {$300.00} that they then took back claiming that they need FURTHER proof of the very thing that I have given them so many times already just in a different form. 

When they took that {$300.00} it put my credit over the limit and some bills I had on auto pay was return where they also charged me overage. I am in another freaking country and unable to call them at the moment while charges continue to build because I'm not paying them anymore of my money until they fix this. I sent in the additional request just before I left at the beginning of XXXX of this year XXXX! and they are not doing anything until I call them I'm sure.