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

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on the XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Hunt and Henriques have consistently violated numerous rules and regulations. The account and balance from XXXX XXXX Services do not belong to me. This account was removed following identity theft and fraud data breaches. XXXX XXXX XXXX sent letters confirming the removal and updated my credit files accordingly. 

However, Hunt and Henriques continue to harass me with phone calls and letters, and they even filed a lawsuit against me. I responded to the lawsuit, and their attempt to obtain a default judgment was denied. I believe these actions constitute major violations of the Fair Debt Collection Practices Act ( FDCPA ). 

This account and its balance do not belong to me, and they have still not resolved this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress. As a victim of identity theft, I have already reported the incident. It is crucial to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Thank you for your prompt attention to this urgent matter.
Product: Debt collection

The account was sent to a lawyer that represented the company, XXXX is called XXXX XXXX XXXX out of Louisiana. I received a letter stating that if I paid the {$5000.00} that the debt would be considered settled. I needed to make the payment by XX/XX/2023. I made the payment and received a letter from lawyer stating the debt has been settled. I go to my credit report and it shows the remaining balance, so the XXXX was just subtracted from the owed amount and still not show the status that was agreed upon. I was told the amount would show XXXX owed and settled for less than owed. I contacted lawyer and they said I needed to talk with creditor. I call the creditor and they said to send another letter in and they will investigate it. They are stalling and I want the credit report to represent was agreed upon since I did my part on the settlement.
Product: Debt collection

I have been inundated with calls from a number I didnt recognize recently. Today I answered, and - after a long silence - the caller identified as AFNI - trying to collect a debt on behalf of XXXX from XXXX. I was pressured into making a payment or a payment arrangement, and when I attempted to ask questions I was refused answers and told that I would be reported to a credit bureau if I did not pay immediately. All I asked was for the opportunity to review my own records to confirm the timelines being claimed by AFNI and XXXX, as it has been over a year and I wasnt sure about them. I was again threatened, told that notes were being made that werent accurate, and then forced off the phone.
Product: Mortgage

I requested a home equity line of credit ( HELOC ) for {$50000.00} from Pentagon Federal Credit Union ( NMLS XXXX ). I was told the underwriter denied it. I then requested an amount of {$25000.00} line of credit. That to was also denied, yet ; for that amount I qualify based on outstanding mortgage/assed value of home is less than 80 % which I was told I had to be under ==> $ XXXX {$430000.00} ~= 75 %. I feel I am being denied by Pentagon Federal Credit Union for an equity loan despite my being a member for close to 40 years.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting

Equifax is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Equifax credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
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 ( 5 ), 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. 

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 XXXX XXXXXX/XX/XXXX
Product: Credit card

We were originally charged 0n XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$48.00} I called and spent 45 minutes explaining we did not make or give permissin to incur this charge and they refunded it to us on XX/XX/XXXX. Then on XX/XX/XXXX they put the charge back on our account and I called on XX/XX/XXXX and spent 85 minutes talking with 3 sepperate reps and was told that I did not respond to a letter they sent requesting all documentation in regards to my efforts to resolve this issue with the vendor and I explained very clearly that I had no documentation due to that company not having a phone number or email address that i could find. I then explained again that back in XX/XX/XXXX we purchased a 1 month subscription to that company to stream a series.This charge was posted to our account XX/XX/XXXX for {$21.00} then no charges from XXXX were posted on our account after that untill XX/XX/XXXX for {$48.00} which doesnt reflect XXXX monthly amount or the cost for a full year. After explaining my issue to the 3 Represenatives on my XX/XX/XXXX call I said if you can not see your way to returning the charge I would like to close my account They then put me on hold 4 different times while going thru their process of closing an account in seppperate steps. I was on the phone for an additional 65min and when the rep attempted to put me on hold for a 5th time I said close the accountand hung up so I dont think my account even got closed
Product: Credit reporting or other personal consumer reports

I notice that my student loans were once removed from all XXXX credit bureaus. They are now showing back up on my credit report, as owing over $ XXXX. It is reporting on my XXXX XXXX and Experian report, but NOT on my XXXX. The school XXXX which I attended was also apart of the XXXX v. XXXX case that was filed in mid - XX/XX/XXXX for defrauded while in enrolled. I also have letter from XXXX that student loans have been marked paid in full. They show {$0.00} balance on all sites. XXXX, XXXX XXXX XXXX. 
I am also aware of the serious legal violations and breaches federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 
It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of XXXX : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, with XXXX and XXXX XXXX have breached contractual terms and obligations, rendering these debts unenforceable.

Demand for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans. Complete removal of all student loans and XXXX entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to Experian and XXXX disputing inaccurate information and Complaince violations on the reporting of information on my consumer reports, Experain and XXXX sent me am email saying they won't investigate my disputes. I have the right to dispute whatever I feel is in accurate on my reports according to the FCRA, I sent another round of dispute letters via Certifiede mail on XX/XX/XXXX th and.got the same email saying the won't investigate my disputes, I want to know what happened.to my letters.? It costs me money to create through software, print through 3rd party printing company, and to send my letters. I'm asking then CFPB to.follow up with Experian and XXXX on the disputes letters I sent them and to properly go through my dispute letters and do a proper investigation of what's I requested and challenged in my dispute letters sent on XX/XX/2024 and XX/XX/2024. I Will fill new complaints with the FTC and The Attorney Generals Office next.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, a new collection was added to my credit report making my score credit score fall drastically. The collection agency Is Tek Collect Inc and the original creditor was XXXX XXXX XXXX XXXX. I contacted a Debt Collector remover ( Credit Sage ) as I wasnt able to get in reach with Tek Collect and they stated this charge is false and doesnt have any correlation with me
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES. They did not provide me with the original contract as I requested. This must be removed from my report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX...
Product: Money transfer, virtual currency, or money service

I enlisted the service of Cadence bank starting in XX/XX/2020 in order to make a transfer of XXXX USD in order to finish paying for a property purchase in XXXX. After four failed transfer attempts ( this string of disasters has been documented with the XXXX XXXX  over the course of approximately six months and almost losing the property due to Cadences inability to fulfill any of the four wire transfers to the XXXX XXXX bank account, I was forced to threaten legal action property purchase be lost. On the fifth attempt, the transfer was successful, which marks the beginning of the complaint that I am now submitting. 
Upon reviewing my Cadence account from which the XXXX XXXX was to be taken, I noticed two things which constitute the bulk of this complaint. Firstly, I had been charged wire transfer fees for each transfer attempt. I do not accept paying for four transfer fees that were never completed. The contact at the bank, XXXX, indicated that I must shoulder these fees due to the fact that despite the outcome, wire work had been performed and therefore I was responsible for these fees. I do not agree ; I did not receive the intended outcome for the service I ostensibly paid for, therefore I should not have to shoulder those fees ( the four failed transfer fees total XXXX USD ). I am obviously willing to pay for the one successful transfer, but not for five. 
Secondly, the amount which was taken out of my account totaled XXXX USD. I only authorised a transfer of XXXX. Upon questioning XXXX, she could not provide me with an answer ( the common response from Cadence is I am asking department X, Y or Z about it but subsequently do not receive any acceptable answer to my questions ). 
Essentially, after four failed international transfer attempts, Cadence has additionally 1 ) transferred more money that I authorised and 2 ) charged me for services that were not provided. 
I have sent an email to XXXX on XX/XX/XXXX explaining my position on these two points, but have not yet received a response from her. After 6+ months of dealing with XXXX XXXX from Cadence, I am understandably reluctant to wait any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three consumer reporting agencies, Equifax, XXXX, and XXXX and let them know I am a victim of the Equifax data breach and my social security number was compromised. I am a victim of Identity theft. I didn't know at first so I only did the Identity theft affidavit. I got some letters from them saying that they couldn't block the information because I didn't provide an Identity theft Report. So I filed an Identity theft Report and sent one in certified and didn't get any response from them. This is not fair. There taking advantage of the law. I don't deserve this. How am I truly and identity theft victim and they choose not to help me. This is extremely unfair. I don't feel protected. I feel defamation of my character. My intent is to sue if Consumer Financial Protection Bureau can't help me. I have proof that they have my Identity theft affidavit on file so I will upload proof of that along with my Identity theft report, the notarized letters I sent them, My ID, My utility bill and that should be more than enough information for them to remove the accounts. No consent is Identity theft.
Product: Checking or savings account

My XXXX account was overdrawn due to a medical provider billing error. I reached out to Key Bank multiple times for their help in getting the issue resolved. They did not help and closed my account in XX/XX/2023 with no notification in advance. The medical provider finally acknowledged their error and credited my Key Bank HSA credit card on XX/XX/2023. I reached out to Key and was told that they would return the funds to me via Check in the mail as my account was no longer active. I went to a branch in XX/XX/XXXX as I had still not received my refund. After several calls and months later, Key told me they returned the credited funds back to the medical provider as my account was closed. No-one from Key ever attempted to reach out to me despite multiple attempts on my part. I have since escalated the issue to the Executive Team that handles complaints however they have not helped either. I am simply asking for the funds to be returned to me as this was an error on the medical provider billing department.
Product: Debt collection

Company has put debt on my credit from XXXX XXXX XXXX I never had XXXX XXXX XXXX and when I called they wouldnt give me any information
Product: Credit card

I applied for a credit card with Capital One. I was told I needed to submit more information before the account can be opened. I never followed up on this card and decided I did n't want the card. About a year later I get a statement with {$0.00} balance. I was confused because I never followed up with the information they requested on the initial application. I called and requested this account to be closed, I was told they could not close it until I provided the information requested to open the account.
Product: Checking or savings account

I used my card on Thursday XX/XX/XXXX to make a purchase for {$7.00} from XXXX XXXX grocery store. Before making this purchase i checked my US Bank app to make sure i had sufficient funds, at that time my app showed that i had {$23.00} in my account. After the purchase of {$7.00} it showed i had a remaining balance of {$16.00}. I then made a purchase for {$9.00} at XXXX 's XXXX XXXX that evening. I should have still had money remaining according to what the app showed previously. I didn't think anything of it and didn't check my account again until the next day Friday XX/XX/XXXX around XXXX. At that time my account was overdrawn by - {$43.00}. I was definitely surprised when i saw that. I immediately called US Bank and was advised that when i made that purchase at XXXX grocery store i had overdrawn my account. As you can guess i wasn't happy, i explained to the customer service rep that according to my app i had the funds to cover the purchases i made. The rep told me there's nothing that can be done as that's not what they're showing on their end. I voiced to the rep that something was obviously wrong with their product, the app and that to me as a consumer that was deceitful, because it doesn't show the same information. I explained that according to my us bank app i had a balance of XXXX left after making that purchase at XXXX and that that was in the completed transactions sections not in pending. The completed transactions showed a balance of XXXX and then in the pending transactions you see my purchase at XXXX 's, a XXXX cents XXXX purchase, and then you see an overdraft fee in the amount of XXXX applied. which caused the initial overdraft amount of - {$43.00}, which included a XXXX charge of {$11.00}. I've called the bank 3 times since i noticed the overdraft and the company was unwilling to help me. I then contacted XXXX and XXXX and had the transaction reversed and moved to a different payment method. they were kind enough to refund me. On Saturday once the transactions started to post i was assessed another overdraft fee overdrawing my account in the total amount of - {$78.00}. {$72.00} we just in overdraft charges the other {$6.00} was actually money i ended up overdrawing. I went down to the branch Monday XX/XX/XXXX to pay the over drafted amount of - {$78.00} so that it didn't accumulate any further fees. I am disgusted with US bank and can not believe they do this to their customers. If there is another class action lawsuit due to their crooked practices i will be a part of it this time, if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX  without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

XXXX has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, XXXX XXXX is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts. Than you XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXXXX/XX/XXXX Transunion