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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When I refinanced, I didn't understand why my loan switch from a conventional to a FHA loan. I thought qualifying for that type of loan was good for me. The pmi charge was poorly explained to me. Since I refinance, my monthly payments keep going up and at the end of the year, they require a large amount for escrow to cover the pmi. I have contacted the company three times asking for information and help with this matter, but their response is always the same. They can't do anything.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to cancel my auto pay option online for my Macy 's credit card. The option to cancel was denied with the message that payment was in process. I then called the customer service number only to get an automated message that there were no agents available and directing my back to the store website. On XX/XX/XXXX, I again attempted to cancel the auto-pay option online with the same denial message given. 
My bank is unable to cancel the auto-pay as well. we have lost half our income due to the Covid-19 outbreak. Macy 's is only adding to the stress. Please help.
Product: Credit card

Capital One/Wal-Mart credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Wal-Mart ecommerce online i thought it was XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Utah XXXX Wal-Mart Super Center with my Capital One credit card.I requested Replacement or get fix on XXXX XXXX. Wal-Mart sent request to XXXX XXXX XXXX XXXXXXXX, but i never got call, or text messages, no emails from them.So i made another complaint to Walmart yesterday on XXXX XXXX, well theytext me today say they gave me Refunded, its not on my credit card, its on ecommerce using there last 4digits # XXXX, is not my card and was not used online transaction.This same problem on generator i bought put refunded on someone else card XXXX, not mine.Plus Wal-Mart refused me for their company XXXX XXXX  protection plan i paid {$6.00} for two years refused my refunded, said i must contact manufacturer.Because it was under year, so they only put {$61.00} on wrong credit card # XXXX not mine.Mine last 4digits # XXXX was used in purchase, plus i need {$6.00} they need to refund {$67.00} with warranty they refused to takecare of my problem.
Product: Checking or savings account

Wells Fargo charged me overdraft fees on numerous occasions and were not valid
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default Capital one card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was XXXX again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
XXXX  called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from XXXX. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated XXXX was considering sending this account to an attorney in our state for possible litigation. To please pay them.
Product: Credit reporting or other personal consumer reports

XXXX had never used proper or reasonable means to notify me my loan payments were resuming in XXXX XXXX. I had not received any calls at all. I found later after they reported they had a decade plus email on file and send lt communication that I was past due. They never reported a missed payment once to the credit bureau instead I only found out about this as my credit score I built up to XXXX was destroyed as they went right to delinquent rather than attempting to notify me of the issue. Once I found out I immediately brought the acct current and set up autopay.
Product: Money transfer, virtual currency, or money service

PAYPAL REQUESTED THAT I SUBMIT MY DOCUMENTS IN ORDER TO GET MY ACCOUNT VERIFIED BUT AS SOON AS I UPLOADED MY DOCUMENTS I RECEIVED A MESSAGE THAT MY ACCOUNT WAS PERMANENTLY BLOCKED, WITH NO EXPLANATION AS TO WHY THEY DID THAT OR WHAT WAS WRONG WITH MY ACCOUNT. I PHONED PAYPAL AND NO ONE WAS WILLING TO HELP EXPLAIN. THERE WAS ALSO AN AMOUNT OF MONEY IN MY PAYPAL ACCOUNT THAT I IMMEDIATELY COULD NO LONGER ACCESS AND I STILL DON'T UNDERSTAND. 

I HAVE BEEN ON HOLD FOR OVER 2 HOURS AT A TIME ON PAYPAL JUST TO BE TOLD THAT I CANT BE HELPED. 

MY PAYPAL ACCOUNT IS XXXX XXXX
Product: Debt collection

Hello since XXXX Ive been making rounds with various companies such as Capital one because my information was leaked or breached and because of that the last XXXX years so XXXX has been using my information to commit identity fraud. They opened various accounts with many banks and even leased an apartment. They accumulated debit under my name and even with evidence and proof and sufficient data to see none of the account openings and transactions were authorized by me they refused to remove it off my credit which has went down a lot considerably especially when I wasnt the one who opened the account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the three major credit bureaus XXXX, Experian, and XXXX for violations of consumer protection laws regarding the reporting of charge-off accounts on my credit reports. 

I have encountered multipl instances where collection agencies have placed charge-off accounts on my consumer report without providin validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation, the collection agencies have faile to provide this information, yet the charge-offs have been reported on my credit reports, negatively impacting my creditworthiness.

Furthermore, I have not ben given a fair opportunity to dispute these accounts, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The credit bureaus have failed to provide me with the necessary information and procedures to dispute the inaccuracies on my credit reports, depriving me of my rights under federal consumer protection laws.

Additionally, the collection agencies have engaged in deceptive practices by using false, misleading, and misrepresented information to report these charge-off accounts on my credit reports. This behavior violates my consumer rights and undermines the integrity of the credit reporting system.

It is evident that the collection agencies have furnished accounts to the credit bureaus without providing the required disclosures, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This clear violation of federal law has resulted in inaccurate and damaging information being reported on my credit reports, with no opportunity for recourse or correction. 

Furthermore, I would like to bring to your attention that the charge-off account from XXXX XXXX XXXX applied to my credit report is inaccurate information. XXXX XXXX XXXXXXXX has a history of engaging in illegal and deceptive practices, as evidenced by the lawsuit filed against them in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX employees illegally applied for and enrolled consumers in credit card accounts without their knowledge or authorization, misusing sensitive customer information in the process. This is not the first time XXXX XXXX XXXXXXXX has faced enforcement actions for illegal activities in its consumer business, including unlawful garnishments and botched disbursement of state unemployment benefits. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that the credit bureaus comply with federal consumer protection laws. I also request that the inaccuracies and violations on my credit reports be promptly addressed and corrected in accordance with the law.I am demanding that a resolution is reached within 15 days of this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my car was broken into and my wallet was taken which contained most of my personal information. 
On XX/XX/year> I realized I was being a victim of identity theft when I was notified of hard inquiries to my credit. Additionally on that same day I received emails of purchases being made with an existing credit card from XXXX for {$2700.00} and {$570.00}. This was the only credit card I hadnt cancelled yet since I forgot I owned it and maybe it was in my wallet. I called XXXX on Sunday XXXX XXXX and reported the fraud yet they said I needed to wait past the weekend to talk to the fraud department. I have yet to try again because were still on non operational days. I have since then placed a freeze over all my credit files. On that same Sunday I placed a report with the FTC and reported the identity theft. 

The hard inquiries I received were from XXXX, XXXX XXXX, and XXXX. 
The dates for these inquiries are : XXXX XX/XX/year>, XXXX XXXX XXXX, and XXXX XXXX XX/XX/year>. The credit lines were successfully opened but i dont know the amounts of the purchases made yet. 
I contacted the credit bureaus where the inquiries appear and with the exception of experian, all were able to help me. The majority of the inquiries are on my experian credit report and I would really want to get those removed. I was told they would contact me within XXXX.
Product: Credit reporting or other personal consumer reports

I am.filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/year>, Midland Credit Management added a derogatory mark to my credit reports. There was no written communication, agreement or signature on this account. Please provide me with the following : What is the purpose of the money you say I owe. Explain and show me how you calculated the amount you say I owe. Provide proof or a copy of any judgment, if applicable. In the previous dispute, they indicated that I owe one amount, but credit reports show a completely different amount, which increases every month. At the same time, this company did not even try and is not trying to contact me, but also does not remove this destructive mark from my report.
Product: Student loan

Navient claims in a letter dated XX/XX/XXXX that they may be able to postpone my payments if I am experiencing economic hardship. This letter also states that they are not updating the historical payment record with the credit bureaus as their position is that they did not receive payments during the months reported as past due. 

First of all, this letter I never received by mail, nor was it uploaded in the digital mailbox in the website. If it were not for the previous complaint and the company 's response including a pdf of this letter, I would not have had this reference. 
Second, had I not been steered to a repayment plan that does not address my financial needs my payments would have been postponed for up to a year ( not 60 days ). 

It is extremely discouraging and frustrating that even after my first formal complaint when I call with questions about repayment options I continue to be misinformed and steered towards a option that does not help me, but rather causes harm. As a XXXX person, I try my best to simplify transactions so as to keep me in good standing. I would not have missed any payment had the payments been postponed under a program that I so clearly qualified for and should have been given the option to over the phone. 

I can not begin to list the ways the negative reporting has and continues to affect me. Simply saying that this has been addressed and providing a copy of a letter never mailed is not a tangible solution. 
A true and meaningful way for Navient to solve this is to reach out to me via phone or email and ask me about my financial situation and correct the negative reporting. As early a XX/XX/XXXX I would have been approved for a 12 month payment suspension and clearly this would still be effective today. My XXXX benefits continue to be my only source of income since XXXX of XXXX. It does not make any sense that I would miss a payment or payments without first addressing Navient about my financial information and XXXX  XXXX/XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

As per the guidance of consumer Financial Bureau ( CFPB ) the document needed and a letter from an advocay group helpoing me due to XXXX  XXXX  debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from the my credit report within four business days, pursant to section 605c of the Fair Credit Repoerting Act. I am a victim of human trafficking of Debt Bondage and would like for all accounts to be blocked and deleted company imformation Transunion. Please delete the following accounts. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX BalanceOwed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$10000.00}.
Product: Student loan

On XX/XX/2019, I registered on the Do Not Call Registry. 
On XX/XX/2019 I sent a certified letter to Navient student loan services that included my recent Chapter XXXX Bankruptcy completion paperwork, and a letter requesting that Navient contact my attorney with all further questions regarding my account. I still received phone calls and emails directly from Navient after their received my certified letter. On XX/XX/2019 I finally sent a Cease and Desist Letter to Navient via certified mail. I have continued to receive emails and phone calls on a daily basis from Navient since they received my Cease and Desist letter. My relatives have also continued to receive communication from them.
Product: Debt collection

I have disputed this same issue in XX/XX/2022. XXXX College continues to send {$1000.00} as a collection on my credit report through different third party collection agencies. The first collection agency I disputed this with sent no proof and harassed me over the phone that I owed {$1000.00} to them. I filed a complaint and they deleted the collection. I now have the same collection on my credit report from a different agency called Ability Recovery Services. I called in XXXX and still have not received any proof from this collection agency about the {$1000.00}. I researched Ability Recovery Services and they are not even licensed to collect debts in the state of Arkansas, so why are they harassing me? I want this taken off my credit report and I want it to stay off.
Product: Debt collection

I was affected by XXXX XXXX XXXX XXXX and have been out of work for a XXXX. During the time I stayed on top of payments until I couldn't when I feel behind. I would receive phone calls to set up payment arrangements and if I did my account would stay opened. Which was a lie. I was making payments and it was in fact a closed account. Credit collectors would make up convincing lies to lock me into payments that were not VALID to the agreement!
Product: Payday loan, title loan, or personal loan

This was not a loan I took out but someone did in my name. I paid it off b/c I was being threatened with lawsuits and arrest. They knew too much information and I work in a position where I couldn't have someone just show up - so decided it was best to pay it off and then figure it out from there. 
I am still getting calls from this number XXXX, from a XXXX XXXX, saying they will be at my place of residence or work tomorrow, XX/XX/18 between the hours of 2-4 and if I can't be found would look for my ford focus. They are claiming to be from XXXX XXXX County Courts and it's part of state statue. I called over to the XXXX XXXX County PD and XXXX XXXX County court and no one with that name works there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account XXXX 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 an account without my written instructions
Product: Credit card or prepaid card

This is a follow-up of complaint XXXX that is still in process. I was called by B of A a couple of times about closing this account. The last time they called a day or so ago, I asked why this account was not being closed. The lady told me and I quote " we are investigating the back end ''. I have no idea what that means and she could not explain it to me when I asked. Every other credit card and banking account have been closed for some time with no issues but for some reason, this is taking a month now and still not resolved. Who else can I submit a formal complaint to? Are there banking regulatory entities that I can complaint to. This is absolutely nuts and I would like to pursue the reasoning behind no closing an account when requested. There is no " back end '' as my Mom is dead and that is why the account is being closed. She died XX/XX/XXXX and this account is still open.
Product: Checking or savings account

XXXX XXXX XXXX appears to think we have an account with them, despite closing it in person about 4 years ago. After about 3 years of silence, all of a sudden in 2020, they decided we suddenly had an account with them again, despite no contact since our account was previously closed in person. We receive constant emails in the last 6 months under the guise we still have an account with them. I have contacted them and continued to request we are removed from their mailing lists and expressed concerns that they thing we are a current customer. I have received replies stating " it will be taken care of '' but nothing changes, and we continue to receive communications, primarily via email, from them.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX