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

Upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$690.00}.

As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Debt collection

The original creditor notified the collection agency to cease all efforts. Bill is paid. The agency continues to threaten us for a paid bill we do not owe. Original credit says they don't know what else to do.
Product: Debt collection

I am writing to file a formal complaint regarding a collection accountS labeled WF CRD SVC XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX  To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Account # XXXX )XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX  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: Vehicle loan or lease

We fell behind two to three payments, we had to take a XXXX payout because Im XXXX. Husband being in the military we only make so much each month. He has gotten phone calls 9 times a day almost 7 days week, customer service has cussed at him several times, we told them we wanted split the payments up between the paychecks, they would not work with us, they have even threatened repossion numerous time even though we keep sending money. Their intrest rates are completely criminal, XXXX XXXX or higher. They have told us we owe 80 days past due when were only two month behind. They say we owe almost XXXX and some change, we been trying to work with them to get a payment assistance help, they wont help give any kind of breathing room, Im veteran and my husband is active duty and were only working off his income right now. Santanderconsumer USA has been unprofessional and has not been running a good business if you check the reviews on google hardly anyone has anything good to say about them.
Product: Student loan

I currently have federal student loans that were transferred to MOHELA. They are federal loans that qualify under the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. I have beee enrolled in this program for over XXXX  years at this point. 

My XXXX qualifying payments ( XXXX  years ) have been completed as of XX/XX/XXXX. Prior to that I submitted a XXXX  form on XX/XX/XXXX to update my payment counts. This should have updated my count to XXXX. However, almost XXXX months later it still registers as XXXX ( last updated XXXX of XXXX ). I also sent a form in on XX/XX/XXXX that has not been updated either. 

The most recent form I sent in was on XX/XX/XXXX. This form was to indicate that I have completed the XXXX  program ( XXXX qualifying payments ), and to discharge me from the program by waiving my federal loans. As of today, XX/XX/XXXX, my paperwork has not been processed, dating all the way back to XX/XX/XXXX. According to MOHELA I have not fulfilled my end of the XXXX program, when in reality I have. 

This lack of updating, not current information, and subsequent delay in waiving of my federal loans is preventing me from seeking better paying employment. This is putting an undue hardship on my life and budget. I am effectively trapped in this low paying job until further notice. Currently I am struggling to make ends meet, and am only remaining in this job because as part of the XXXX program I am required to continue working at my current position until they finish processing my paperwork for waiving my loans. 

I have fulfilled my end of the XXXX program and now it is time for MOHELA, and the XXXX XXXX XXXXXXXX to uphold their end as well and waive my loans.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

While in bankruptcy have attempted a Loan Modification. This process has been going on for approximately three ( 3 ) years. I have continually sent documents as requested, completed tons of paperwork only to be told this has not been received. I have email receipts as well as fax receipts tons of paperwork I completed, etc. I did not send any payments while in bankruptcy as I was attempting to modify loan. I can not get anywhere with this company except excuse after excuse which are clear falsehoods. I am a business woman who is very organized and have access to computer, email, fax, scanners, etc. which enables be to complete these modification documents, timely and efficiently and with receipts. 

My belief is this company 's only interest is to profit off of my hardship.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls undeXXXX XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a 0 % interest for balance transfer from CITI. After filling up the application and being approved, I proceed to do the balance transfer. Once the balance transfer was completed I received a letter stating the terms of the transfer including a 22.49 % interest fee. I requested a revision of the account, requested evidence of my acceptance of the offer with an interest rate, and CITI is not willing to provide the information.
Product: Credit card or prepaid card

Hello I have issues with the way2go program which is with XXXX XXXX I receive my weekly unemployment on the card. But for the last 5 weeks my account has been suspended due to fraud which they are saying they are unable to verify my identity. I sent in my id. Social security card, birth certificate, w2, and also documents from id.me that my identity was verified. I had to sent that account up in order to file my unemployment. I've contacted way2go customer service everyday for help im on hold for hours and they transfer me to the fraud department then they tell me to send my documents to id@conduent.com which I've done at least 10 times. Then they told me they couldn't verify me and to call and my local social security office i to get a consent based process and I did they told they had no idea what i was talking about and told me to call the unemployment office and I did they told me my identity was already verified and there should be no issues I called way2go back and told them that they told me they will let me know.Im still locked out of my account and I can't access my money I haven't been able to for 5 weeks now. This is ridiculous I've done everything they have asked and im still getting nothing to fix this.
Product: Checking or savings account

I am handling my parents estate. In XX/XX/2021, both my parents passed due to XXXX. I am the executor of my parents trust. In the middle of XX/XX/2021, I went to a local branch and submitted both death certificates and all trust documents, as well as the banker took a copy of my drivers license. I have made numerous visits and calls to try and let me have access to the account and as of XX/XX/2021, I still do not have access. On XX/XX/2021, I resent all the documents and even included a certificate of Trust and Acknowledgement Certificate. I STILL DO NOT HAVE ACCESS. This has been a very stressful time and Chase has only made it worst. How do I get access to my parents money to pay bills.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the accuracy and completeness of information reported by Experian on my credit report regarding my XXXX XXXX XXXX account ending in XXXX. The information provided by XXXX XXXX XXXXXXXX XXXX is inaccurate and misleading because the underlying agreement associated with the account is legally unenforceable. This misrepresentation creates a materially inaccurate portrayal of my financial obligations and affects my creditworthiness. 

The agreement tied to this account contains significant ambiguities and deficiencies, rendering it invalid under contract law principles. Specifically, it fails to explicitly identify the creditor, define the terms of the offer, and establish the adequacy of consideration. Without clarity on these elements, the account does not represent a valid obligation. Reporting this account as an enforceable obligation is misleading and damaging to my financial reputation. 

I have previously disputed this matter with XXXX XXXXXXXX XXXX XXXX and provided evidence supporting my claim that the agreement is unenforceable. Despite this, the inaccurate and incomplete information remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing errors found on my credit reports with XXXX, XXXX, and TransUnion since XXXXXXXX XXXX XXXX. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX XXXX XXXX Not my account 2. XXXX XXXX XXXX XXXX Not mine, and is falsely reporting as an open account which is a FCRA violation 3XXXX XXXX XXXX XXXX XXXX  Not mine , and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX XXXX XXXXXXXX Not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Debt collection

I wrote back to this company on XX/XX/XXXX regarding this debt not being valid. I requested proof of the amount owed as I NEVER received a bill from XXXX. They never provided the proof, then tacked on random fees, and now are refusing to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I tryed to transfer money from XXXX XX/XX/XXXXto etrade bank. Transaction did not go thrue and etrade bank put restrictions on my accounts and making unreasonable demands. 
I already call on phone and send documents they requested but they started demand new statements after it
Product: Checking or savings account

I have been charged on numerous occasions for overdraft fees from my checking account, DESPITE the funds being available in an associated savings account, which i requested multiple times be used. I have also been charged overdrafts because of Wells Fargo delay in tracking purchases and deposits which creates the overdraft in the first place by providing inaccurate balances. 

This is not an exhaustive list, but dates and amounts include : XX/XX/XXXX {$190.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$68.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$92.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$37.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$45.00} I consistently reached out to support asking for this to stop and demonstrating adequate funds in my savings account at the time, but instead they chose to continuously steal money from me every time.
Product: Debt collection

According to XXXX XXXX their company stated they received an application on XX/XX/XXXX, and allegedly opened an account on XX/XX/XXXX. I do not understand how an alleged account can be opened prior to an application date. Attached in Exhibit A, XXXX XXXX has provided me with inconsistent dates regarding alleged account ending in XXXX. XXXX XXXX was also unable to validate this alleged debt with the monthly statements that were mailed to me. 

This is complaint is regarding the alleged consumer credit transaction entered with your company dated XX/XX/XXXX ( See attached ) and I extended your organization the credit for the account number ending XXXX. 

I hereby give your company notice pursuant to 15 USC 1602 ( k ) that your company never provided adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit practices.

From your end, I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ). 

XXXX XXXX has federally violated my rights as a federally protected consumer. They did not give adequate notice in regards to the above referenced account, and I made an uninformed decision and I did not understand the agreement, it was NOT clear and conscious. XXXX XXXX and Experian delete this account immediately or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the security hack at Equifax was revealed on XX/XX/XXXX, I placed a freeze on XX/XX/XXXX and was charged {$10.00}. I read that after many complaints the company agreed to reverse the charge. I called to have the fee reversed and they refused. Why is Equifax allowed to profit from their own negligence?
Product: Credit reporting or other personal consumer reports

I am writing this to tell Equifax to update inaccurate late payments on credit report and it shall be marked as ok and or never late. Account name : XXXX XXXX Account # XXXX The month of XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 All shall be marked as Ok and or paid on time.
Product: Debt collection

I received a bill for {$490.00} from XXXX XXXX XXXX, a collection agency They said I have a XXXX account balance thru Wells Fargo Bank The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inacurate and unknown things on my credit report to this day, 40 days later I have not received a response yet. I feel like I am getting token advantage of due to the lack of not responding to my consumer complaints when addressing it to the corresponding. Now I am forced to take this route. My information is suspected of being impacted with the Equifax, and XXXX  data breach, it may have gotten in the wrong hands. please help me remove these unknown addresses link to my credit report.
Product: Checking or savings account

I Wrote two checks from Chase my business account XXXX one to XXXX XXXXXXXX XXXX My accountant ( {$500.00} ) and the second one for my Lawyer XXXX  XXXX ( {$1000.00} ) Somebody obviously stolen the checks both did not receive and I had to pay them few weeks later both checks were cashed by a different by a bank in XXXX Virginia clearly the endorsement on the back of the check does not match the person who the check was made to. Since XX/XX/XXXX I have been trying to recover my money from Chase, after two years they told me I should have received a letter in XX/XX/XXXX telling me I need to call the other bank I hang up on them and one of the account manager at Chase gave me your website to file a complaint If the other bank made a mistake and cash those checks to the wrong person, chase should have not gave them my money I think chase should give me my money back ... Because they paid illegally to the wrong person. In my opinion they are trying to cover the mistake for making me pay for it