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

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.
Product: Credit reporting or other personal consumer reports

I requested in XX/XX/year> to validate all debt that was incurred and no response was given.
Product: Credit card or prepaid card

I called Wells Fargo ( XXXX XXXX  ) on XX/XX/2020 letting them know that I received wrong information about my account. When I called to ask to a manager I couldnt XXXX her because I am XXXX XXXX she tells me to switch it to the other XXXX than she transfers me. I was trying to make a payment and to file a complaint about my customer service experience with the previous rep. I got frustrated because the manager would not take time to listen to me she tells Im being rude but I have XXXX XXXX so my voice projects louder not because I am angry.My XXXX is in XXXX because it is XXXX so I have limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : ( Original Creditor : ) # XXXX has violated my rights. 

Account name : ( Original Creditor : ) # 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 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 information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Credit reporting, credit repair services, or other personal consumer reports

This account pertains to a line of credit opened with Pentagon Credit Union in XXXX of 2017. I maintained positive payment history and paid towards this line of credit on time every month up until filing for a Chapter XXXX case on XX/XX/2017. The filing of the Chapter XXXX placed this account in my case which did not allow me to pay outside of the plan. In review of my credit report I found that Pentagon Credit Union reported this account in a negative reporting status under failing to make a payment. This is inaccurate reporting as I did not fail to make a payment but was in an active Chapter XXXX case with the United States Bankruptcy. Per FCRA the date of delinquency is not accurate as this balance was included in my Chapter XXXX Bankruptcy case. The status of this account has been reporting delinquent when in fact this account should have been reporting paid as agreed every month due to the Chapter XXXX Bankruptcy laws. Under the FCRA, both the credit reporting company and the information provider that provides information about my credit are responsible for correcting inaccurate incomplete information on my report.
Product: Payday loan

I received a payday loan of {$300.00}. They started deducting {$60.00} per week from my bank account. After about 8-10 weeks they were still deducting the amount only it was now {$95.00} a week. I had direct deposit that I did n't want to stop but I had no choice but to close the account. After some time someone from an agency contacted me & my employer threatening arrest so my employer wrote a check for over {$1400.00} for the loan & " fees '' to this agency. 
I thought that was the end of it. In the past month, people from another agency " Midland Credit '' have harassed me and my daughter, sister & friend threatening me yet again. By this time, I had unfortunately suffered an accident which resulted in becoming an XXXX. The man who called " XXXX XXXX '' called me names and said that my daughter told him my situation. He said he did n't care who I was or what I suffered from but that I had to pay this debt. He switched me to " XXXX '' who proceeded to berate me and call me a criminal. I am at my wits end and want this harassment to stop. Who knows how many people they do this to a day? I asked for them to send me the paperwork and the " 10 day notice to appear '' and they refuse. Please help!
Product: Student loan

I have called and emailed to formally express my dissatisfaction with the lack of accurate and timely responses and literal disregard from NelNet and XXXX regarding my student loan account. Despite multiple attempts to resolve my concerns, including several phone calls and emails, I have not received the correct information or the assistance I have been seeking. 

I have reached out several times to request clarification on the status of the court-ordered discharge of my loans. Each time, I have either received incorrect information or no follow-up at all. Many times when I follow the prompts when calling in the call just drops my call. This has caused unnecessary confusion and frustration, delaying my ability to manage my account effectively.
Product: Debt collection

IC Sustems Incorporated XX/XX/2020 {$310.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.
Product: Checking or savings account

I hope this letter finds you well. I am writing to formally address an issue I have encountered with my account at Navy Federal Credit Union 's Name. Specifically, I believe I have been overcharged with overdraft fees from XX/XX/XXXX until XX/XX/XXXX. 

Over this period, I noticed multiple overdraft charges that I believe were assessed incorrectly. I have reviewed my transaction history and account statements, and I would like to request a detailed breakdown of these fees for my records. 


Please let me know if you require any additional information from my end to facilitate this review. I look forward to your prompt response to this issue. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I received a call on Friday XX/XX/2022 from Capital One Fraud Department reporting that a credit card application was submitted in my name. The Fraud Deparment was calling to investigate whether or not I had attempted to submit an application. I had not requested a credit card nor do I have a credit card with CapitalOne. 

On Monday, XX/XX/2022, I called the Fraud Department to report the fraudulent activity and was assured by the representative that the matter would be marked as " fraud '' and the application denied.
Product: Credit reporting or other personal consumer reports

Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. 

In a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the XXXX major credit bureaus : Experian reports a XXXX late payment in XX/XX/XXXX, XXXX reports XXXX XXXX late payment in XX/XX/XXXX, and XXXX reports a XXXX late payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. 

Despite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. 

Enclosed are my payment records, the response from XXXX, and credit reports from Experian, XXXX, and XXXX, evidencing the discrepancies and my attempts at rectification. 

I respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. 

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

CFPB complaint XXXX u asked for my sensitive personal id. I hope u treat the fraudulent corporation with said invasive sensitive proof demanded of me the victim of their financial crimes!. U sent me a link in an email to upload my ss card my Gov is and a bill. Then u wanted me to tell u my address for 2 yrs my dob and ss number. I did that multiple times for an hour. Your site is BROKEN and wont let me upload docs. Im complying with your request here. 
I have lived here for 24 years and the other info is on the documents u demanded from me or else u wont consider my complaint. Unfair. 
Make the XXXX  prove they paid ins from XX/XX/XXXXXXXX  to XXXX. Make the XXXX  prove they delivered 2 legally required completed cancel docs at execution with proper dates and address of property. Neither can be proved without their fraud. The address is wrong and includes the house across the street! Dates wrong. 2 legally compliant cancel docs are required to be delivered to borrower and they still have not done so!!! It never happened. XXXX removed the loan completely as should you. You have willingly and intentionally ignored my proof of escrow cancelation, multiple times, my proof of ins payment, my proof of their written promises to cancel this loan and remove from credit bureaus. U ignore my evidence intentionally and recklessly and to my harm. I have been forced to sue for inaccurate credit reporting. U dont care. U ALWAYS side with little to no evidence from the corporations here. That system is unfair and broken. There is overwhelming proof the debt was paid and u ignore me and side with a corporate non of the head absent ANY proof. Thats just wrong and harmful. 

All money was returned to alameda per loan terms in check XXXX less damages to me. Thousands of dollars more than I got in loan proceeds were missused to make up payments for the canceled loan. XXXX has removed the loan. XXXX XXXX has no record of the loan. But u dont care. U only side with a comment from a corporate employee and continue to cause me sever emotional distress intentionally or and negligently. Prove the ins was paid. Prove the lender delivered 2 cancel docs required by law EVER!!! I still have three days to cancel and I did and u know it and just disregard my rights and interest recklessly and cruelly. 
U are cruel.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} OpenedXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Tranunion to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX I received a denial letter from XXXX XXXX dated XX/XX/XXXX ( Being sent herewith ) which stated in relative part " ... Your credit card request was carefully considered, however, based on information in your credit report, we are unable to approve your application at this time for the following reasons : " inquiries did adversely affect the score Consumer associated with too many phone changes Not enough bankcard debt experience Not enough debt experience. '' The letter further stated that : " Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The consumer agency listed was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your credit score as of XX/XX/XXXX : XXXX The information reported to XXXX XXXX by XXXX XXXX XXXX is inaccurate. My credit profile with XXXX, XXXX, and XXXX  does not reflect " any '' of the information alleged by XXXX XXXX XXXX. In fact, I have an XXXX XXXX Platinum Card for the past 41 years and my Credit Score is well in the " Very Good '' range and my mix of credit cards and loans etc. are considered to be " Excellent '' by all three of the aforementioned Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA 15 U.S. Code 1681i Transunion LLC, XXXX and XXXX has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX ACCOUNT # XXXX TRANSUNIONXXXX US DEPT ED ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX TRANSUNIONXXXX XXXX  XXXX XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX XXXX  ACCOUNT XXXX XXXX TRANSUNION LLC/ XXXX
Product: Debt collection

i have called about this issue and they say i dont owe this bill
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 15 USC 1681. 

I told TransUnion to reinvestigate these accounts : XXXX XXXX  # XXXX and XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

To whom this may concern : Im filing this complaint because NationStar/Mr Cooper is once again, trying to fraudulently foreclose on my owner occupied property.! They promise to resolve this problem before! They said they would take 30days to give a FAIR REVIEW..! Instead we got a Unfair 3-5 day Denial, when they could clearly see that we should have gotten a modification that was affordable.. They can also see that we have the income for it, but they would just rather take our home anyway Instead! They have on their RECORD SO MANY FALSE AND FOUNDED CHARGES.. To make us so guilty and unworthy, It should be crime! If I did not feel that I am right about this Whole situation, I would Honestly and Proudly walk away and leave it all alone.!!! But I can not just give up on being DONE WRONG..! This is all a simple fix, stop stonewalling us put us back on track of the terms of our XX/XX/2012 modification.. 
Allow us too get at least Two years of clean mortgage history and we Refinance out. 
drop all of those other charges put us back at the AMOUNT WE REALLY OWE $ XXXX. 
AND WE MOVE ON WITH OUR LIFE.!! No more court issues of pointing fingers back and forth at each other..!! And Most of All put all of my XXXX THOUGHTS AND ANGUISH, OVER HOW MY FAMILY HAVE TREATED!!!!! OVER THIS ENTIRE SITUATION YOU GUYS HAVE PUT ME THRU ...!!
Product: Checking or savings account

I XXXX XXXX and my Power of attorney went to my Bank ... Chase and asked to withdrawn {$100000.00} ... The person we spoke to asked for Id 's from both of us then went away and came back and asked my Power of attorney if we were sending this money to the XXXX XXXX and if not was the money going over seas??? Her name happens to be XXXX XXXX!!! She said absolutely not and that she did not know anyone overseas or in the XXXX XXXX. He said that the bank did not have this type of cash on hand and that it would have to be ordered. This was on a Monday so we asked how long it would be??? He said next week some time. We asked why so long and he said to make sure this is not fraud!!! So we left and decided in a couple days that really if it was such a big deal maybe we could just get {$50000.00} ... so we returned to the bank two days later and asked for just {$50000.00}!!! Thats when we were informed that all the five accounts had been frozen and that they did not know why and it was out of their control at the bank level!!! The bank manager XXXX XXXX told us this. He gave us a number to call if we had any questions ... The name and number is XXXX XXXX XXXX ... J P Morgan Chase Global Security Investigations. This has been a month ago!!! We have tried and tried to reach this person but he has never returned our phone calls!!! And we have never til this day received any paperwork in the mail with an explaination or a phone call from this person or Chase Bank located at XXXX XXXX XXXX ... XXXX XXXX Michigan XXXX ... Phone # XXXX. Each time a dozen times we have went to the bank for answers we're constantly being told they don't know anything and can not help ... sorry!!!
Product: Debt collection

The company has added all types of fees to each of my accounts, XXXX of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.
Product: Debt collection

On XX/XX/XXXX, I ran my credit report and noticed Portfolio Recovery Associates is on my report twice. One account number is for the amount of {$1200.00}. I contacted Portfolio Recovery Associates by mail on XX/XX/2022 requesting validation of debt. They sent two statements with an incorrect address on the statements. I have contacted them 3 more times for more information, including the original signed contract with XXXX XXXX. The letters were sent XX/XX/2022, XX/XX/2022, XX/XX/2022 and finally XX/XX/2022. They have failed to send this repeatedly and is still reporting on my credit report. They continue to only send a few months of statements with a business address on it that I never received mail at.