23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had several illnesses and I ended up in the hospital after XXXX twice. During such times I was not home and information was issued without my authorization such as credit cards and other items. This particular credit card is one of them, a XXXX card ending XXXX. I have tried in multiple occasions inform Rusergent or LVNV Funding to please understand of the XXXX XXXX  situation but they have ignored my request.
Product: Student loan

XX/XX/XXXX Navient pursued me to refinance my current loans with them in order to receive better loan services. They stated that this would not effect my ability to ask for the public service loan forgiveness program. As the years passed I inquired about how many payments have qualified for this program and began working with the XXXX  XXXX XXXX  agency as of XX/XX/XXXX. The XXXX  XXXX XXXX  agency stated that none of my payments would qualify before XX/XX/XXXX due to Navient putting me in the wrong repayment program. I have thirteen years of public services and had over 120 payments but due to Navient 's lack of ethic they placed me in the wrong program and now I do not benefit from the payments I made. I am asking for the payments before XXXX to be counted in my total of 120 payments to attempt to qualify for the public loan forgiveness program which I have already been accepted due to my job and service. I am just wanting the payments to qualify that i have already made.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to unfair practices and inadequate customer service, which violate the CFPA act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is reporting erroneous late notation 's on my credit file. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the lates reported. I called back Chrysler to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the lates. The lates are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the lates. I was not late, the company promised to remove the lates and I need them removed.
Product: Mortgage

I purchased a home in XXXX. I was very clear that because I was a teacher and on a very fixed income I did not want a adjustable rate. I wanted a fixed rate. I did not received my paperwork for the closing until the night before my closing. I was an adjustable rate. I called my Well Fargo Representative that was recommended by my realtor. I was never met my Wells Fargo Rep everything was over the phone. The said that she would work om it that night and come up with something fixed for the closing at XXXX XXXX the next day. She said that I had to be put into 2 mortgages, one for $ XXXX 6.125 % and a second at $ XXXX 8.843 % The finance charge is {$57000.00} it ends XXXX and I will have paid {$89000.00} on a for this second loan. 
I was crying when I closed. The Wells Fargo Rep never showed up to the closing. 
I have had modifications twice offered by Wells Fargo but they never help me. I have never missed a payment, I have asked to roll it into 1 mortgage at a lower rate but both times they did not. The last time was XXXX and they put me in a 40 year mortgage and then sold my first mortgage to another company so that they would not get caught for not helping consumers as they were supposed to do by law. 
I am still paying on the second mortgage at 7.25 % since XXXX  and I have only paid off {$8300.00} in XXXX XXXX. I still owe on my 1st mortgage {$100000.00} on the original {$120.00} in 15 years. Well Fargo has failed twice in the modifications when I was directed to them to rectify it. In all of my dealing with Wells Fargo Mortgage I have asked REPEATEDLY if I can come in and meet with someone to go over the paperwork to have them explain it to me and to answer questions. NEVER have I met Well Fargo representative in all of my dealing with three difference Well Fargo Mortgage situations. Never did the rep did not come to the closing when I purchased my home, to meet me at the title company, I could never meet with anyone in person for modifications. This was all PRECOVID- in XXXX. This is such a poor example of customer service, I do not trust Well Fargo and they have made owing and keeping my house a painful experience for the past 15 years. I am XXXX my job XX/XX/XXXX would like them to make and effort to correct this situations that should never have happened, especially more than once with your company.
Product: Credit reporting or other personal consumer reports

I have submitted XXXX forms of ID ( driver 's license and Social Security number card ) & my affidavit previously, which was signed by the reporting XXXX detailing that I am unaware of how American first finance have obtained my information, but I did not create an account with them also included with my XXXX forms of ID and the contact information for the reporting XXXX along with the report number on the affidavit. the account number was provided on the affidavit and the dispute letter that I submitted as well so the fact that you are saying that you are not seeing this official information, it shows TransUnion doesnt higher adequate workers or those who do their due diligence to resolve this matter correctly, all this information has been submitted directly to TransUnion XXXX the creditor and through the CFPB. XXXX XXXX XXXX XXXX TransUnion has been hindering my way of life with their incompetence with deleting this fraud account from consumer report. XXXX XXXX XXXX said they would resolve the matter and delete it off my report but instead closed a fraud account, said i paid it off ( which i did not ) and left it delinquent on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from Transunion and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2023 I contacted XXXX XXXX and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.
Product: Credit reporting

third collection agency I 've disputed tmobile sold to, have disputes & have had deleted each agency that unknown to me how they have my information at all, no I 've disputed this twice & they ( experian ) just leaves it, says it investigated, but they 're not, tired of watching my credit report and score going down the drain. Please help XXXX
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX Reporting XXXX Name Experian XXXX XXXX XXXX Account Number XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : XXXX. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 
XXXX. Section 611 This section requires that all disputes be investigated and resolved within XXXX  days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( XXXX ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor Provid not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is now reporting I owe {$36000.00} on a debt that's been discharged on XX/XX/. This is a violation of my rights.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a dispute letter to XXXX  regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXXI followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXXI received a letter back from XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to XXXX  stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion and XX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

This is the second complaint Ive filed with this agency. My original complaint # XXXX was closed after one response from PHH Mortgage. The company explained that they had made an error by not posting my mortgage within the 24 hour period in which they received it. Since the date of PHH Mortgage response, a second mortgage payment was sent by me via the XXXX priority 2 day mail. I have the receipt showing PHH Mortgage received the payment on XX/XX/XXXX. Once again PHH failed to post this payment until XX/XX/XXXX.. I reiterate my original complaint that this is not an isolated incident with PHH Mortgage. I would like another explanation from PHH Mortgage. I am also asking that this agency leave this complaint open. Im having difficulty believing mine is an isolated occurrence with PHH Mortgage. It is also XX/XX/XXXX and I have yet to receive my interest statement from PHH Mortgage for tax purposes. It is my understanding that mortgage companies are required to send consumers the interest statement by XX/XX/XXXX of each year. I had the same problem with PHH in XX/XX/. I finally had to contact the company to request a copy of my interest statement. That of course caused an additional seven day delay to my being able to file yearly taxes. The same is occurring this year.PHH Mortgage fails greatly when it comes to legal requirements set forth by the state of Illinois and the government in general. Please contact me if copies of all my receipts are needed for verification of my complaints. If this agency is not able to help legally with these allegations I would like some direction as to my next step. PHH has yet to correct the dates of my mortgage payments on my credit report. PHH Mortgage does not allow a consumer to make a late mortgage payment via their website. PHH Mortgage does not allow a consumer to make a late mortgage payment via the phone. The consumer is at the disposal of PHH posting the payments as PHH Mortgage sees fit to do so.
Product: Checking or savings account

I made a {$700.00} cash deposit at the JP Morgan Chase Bank, XXXX XXXX, Branch # XXXX. My deposit was processed by XXXX XXXX, an employee working the drive thru on XXXX at approximately XXXX XXXX. Upon submitting the cash deposit via the drive thru, I received my deposit back, and was asked for my ID. I was advised, rather rudely by an employee who was not XXXX, that their location had been asking for IDs for cash deposits for 2+ years in an effort to thwart money laundering. I provided my ID and requested the other employees name. XXXX provided however, given the weather conditions and the amount of traffic in the drive thru, I elected to leave, rather than confirm the name of the other employee in the drive thru. 

I am not aware of any regulatory rule, or guideline, requiring customers to provide ID for a {$700.00} cash deposit. I am aware that FDIC, OFAC, and other regulatory agencies which provide the framework under which banks operate allow the bank ample and vast discretion to adopt policies and procedures tailored to each individual market. The manner, and demeanor by which Branch XXXX chose to communicate and enforce their own internal policies does not represent existing federal & state anti money laundering guidelines, or processes. Chase has operated under the false guise of money laundering concerns by requiring customers to provide ID to deposit cash for the sum of less than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I established a freeze on my Experian account in early XXXX. Now I am unable to do a temporary lift on the freeze online, despite the fact that I have my current password and pin, and I likewise can not successfully do so via the telephonic voice response system. Worse, I can not find a way to speak to a human being. So the only option offered by Experian is to mail in various verifications and then wait 10 business days. I need to access my credit now, and can't wait 10 days.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. It has been 30+ days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

DISCOVER BANK -- -- -> Account Number : XXXX Charge off/closed account : {$5900.00} XXXX. DEPT OF EDUCATION Account Number : XXXX Charge off/ closed account : {$79000.00} XXXX. XXXX XXXX XXXX  ( for XXXX, XXXX & XXXX ) Collection/charge-off : {$8300.00} Account Number : XXXX XXXX. XXXX XXXX  Account number : XXXX Collection/closed account : {$0.00} Did not consent to unauthorized inquiries below, the inquiries were not authorized. 
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 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: Checking or savings account

I have an account with over $ XXXX with XXXX XXXX  XXXX. 
I tried to transfer the funds out of XXXX to XXXX. I attempted this online but was advised that transfers above $ XXXX require a phone call. 
I called at XXXX PST to request the transfer. The agent took my information and said she submitted the request. 

I checked at XXXX pst and the transfer has not been scheduled. A XXXX  agent advises that it make take 1-3 business days for an outgoing transfer. 

I find this to be unacceptable. Neither XXXX or XXXX have this type of delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX 6. XXXX XXXX  7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX  18. XXXX XXXX XXXX  19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX  29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX 34. XXXX XXXX EQUIFAX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX
Product: Vehicle loan or lease

Payment has not been applied to my account ... .Made car payment on XX/XX/2018 with confirmation and have been receiving late notices via e mail Have contacted loan co several times with no resolution