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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX and 120 days past due. Ive never been behind on my payment, Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I tried contacting the Experian Credit Bureau and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three inquiries that are reporting on my TRANSUNION credit report that i did NOT apply for. I did not allow anyone to use my information. Someone is trying to obtain goods using my personal information. 


XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that is was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments i.ve attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX XXXX i/m now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Checking or savings account

I never open any of accounts at Chase bank. The information with my social security is not match my identity. Ive tried talk to manager about the situation, theyve asked me to come with my proof. They couldnt help anything. I need my social security to be protected that match my identity. Ive never share with anyone unless the employee involvement. I really need your help to clear the false information off my social security number.
Product: Debt collection

I wrote a letter to the Resurgent capital services stating that I do not recognize this debt, and asked that they stop writing me, after receiving multiple letters in the mail. The company stopped for a while, then restarted again with multiple emails this time. Please see attachments.
Product: Mortgage

On XX/XX/2023 a letter was sent requesting information about my mortgage. 
Unfortunately, I havent received a response.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me.

Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative event on credit report. Never contacted regarding billing for unknown service. Tried to call and discuss company wanted too much personal information. If the company can post to my credit report they would have obtained the information requested.
Product: Bank account or service

This is the letter I sent to Senator XXXX and XXXX Senator XXXX, thank you for investigating Wells Fargo. My issue is that in 2007, Wells Fargo issued a debit card in my name and sent it to a address did not reside at anymore. I retired XX/XX/2007 from the CID IRS. I was not living in the state when they sent this unauthorized card. I had moved to a house I purchased in XXXX. During this time frame I wanted to refinance my house in XXXX in order to get a better rate. I was denied and told that I owed Wells Fargo money I had not paid back. I contacted Wells Fargo and gave them my new address and phone number. I instructed them as to how to find out who used this card and sent an affidavit stating I had never ask for or received this card. They then started to call and threaten me to the tune of over 600 calls. This lasted for over 2 years. They then sold this debt to a collection agency in XXXX and it started all over again. I could not get refinancing for my house in XXXX and XXXX. I ended up losing both. I then had to use my 401 money I was saving for old age income and ended up having to pay penalty and additional tax rates of over {$48000.00} I would not have had to incur. Since the government has fined them, how can I apply for some of this fine for the actions they took against me and the fact that they destroyed my credit during this entire time frame. I have just now gotten a credit score that allows me to finance my current home. I would appreciate you help in this matter as I have contacted our state senator with no help. Can I fill out forms to receive some of the money back that I incurred for relating to all of this illegal activity and the ruining of my credit. The credit agencies would not help at all. Please continue to get the big brass removed or prosecuted. Thank you for all that you have been doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX - The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have formerly disputed Bankruptcy account information and ascertain that the data furnisher had permissible purpose for the account to potentially initiate said alleged bankruptcy be it true, or not, valid or not, defamatory allegations have to be Metro 2 Compliance in order to be maintained or reported I requested deletion of any information that is not subsequently with proof of permissible purpose documented evidence confirming validity, accuracy, timeliness and the mandatory perfect and certified Metro 2 Compliance . Attached below companies Experian response an in red exhibits of unverified, incomplete, inaccurate accounts/ Fair Credit Reporting Act violations 623 ( a ) ( 3 ) - 15 USC 1681c ( a ) ( 1 ) -15 USC 1681b - 15 USC 1681e ( b ) - 15 USC 1681s-2 ( B ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian provide my consumer report to the below list of companies with my consent. 

Pursuant to 15 USC 1681b ( 2 ) The law says that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to furnish my consumer report to the companies listed below. 

1. XXXX  XXXX  Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX  XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX Inquired on XX/XX/XXXX
Product: Debt collection

NOT MY ACCOUNT NEVER HAD A CONTRACT WITH MIDLAND CREDIT MANAGEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) 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 non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax haven't been updating my information ( Credit Score ) since XX/XX/2014.
Product: Mortgage

In XX/XX/XXXX my husband and I were approved for a Modification on our XXXX mortgage for our primary residence. The XX/XX/XXXX Modification got rid of our payment for our XXXX mortgage. Throughout the winter of XXXX we had trouble making our mortgage payments, I have been in continuous contact with ASC ( Wells Fargo ) starting around XX/XX/XXXX until now ; keeping them informed of our situation and when we would be able to make payments. In XX/XX/XXXX ASC sent us a Modification Application Packet to fill out and return. We filled out the paperwork, but did not return it as it stated " If you 're modifying a mortgage that has been previously modified, we need to let you know that if you proceed with a new Trial Period Plan or modification your existing terms may be impacted. '' I have a very important question regarding this statement and do not want to proceed with the modification application until this question can be answered ( I do not want our existing modification terms to be affected if we fill out and are approved for a new modification ). I attempted to contact our home preservation specialist ( XXXX XXXX XXXX XXXX ) at ASC for XXXX months. At XXXX point during that XXXX months, I called her directly everyday for XXXX weeks straight, she never answered or called me back. I also spoke with customer service at ASC many, many times. I asked them my question and they told me that the only person who can answer that question is our specialist for our file. ASC 's customer service people attempted several times to contact our specialist via Instant Message, e-mail and phone calls, while I waited on hold ; she never answered or returned their requests either. Last week we received a letter in the mail from ASC 's attorneys ( XXXX XXXX XXXX XXXX ). This letter stated that they are representing ASC in the foreclosure of our home. I called ASC once again. The person that answered the phone at ASC informed me that we have XXXX options : We can pay the past due balance to reinstate the loan, or we can apply for a modification. I told her I want to apply for a modification ; she informed me that the only person who can do that for me is our specialist ( XXXX XXXX ). Once again, the customer service person tried to contact XXXX ; she never answered or returned the request for communication during the XXXX and a XXXX that I was on the phone with customer service. Since I received this letter on XX/XX/XXXX I have called ASC XXXX times and have been unable to reach XXXX. I need to know if this new Modification will affect our first modification, a question that everybody at ASC is telling me that only XXXX can answer. Also, ASC customer service is telling me that XXXX is the only person whom I can speak with to proceed with the new modification.
Product: Debt collection

I filled out the identity theft form and provided proof that I don't live in that city on XXXX first and I also reschedule put to them in XXXX letting them know that the account was fraud and they didn't do anything. And everything I try to call they al hang up and can't give any information on what's going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reflected my posted payment amount of {$24.00} on XXXX XX/XX/2020. My credit reports XX/XX/XXXX and XX/XX/XXXX reflect I am still at 19 % Utilization with an overall credit utilization of 3 % with a {$74.00} balance with Capital One, reported on XXXX XX/XX/2020. 

My balance has been {$0.00} as of XXXX XX/XX/2020 and should reflect {$0.00} on all credit reporting platforms. When I contacted Capital One on XXXX XX/XX/2020 at XXXX, I was told that they did not have a Credit Reporting Department XXXX This is in fact false information, every bank has a credit reporting department that sends a clients scores to the Credit Bureaus. 

My issue was not resolved and it is inaccurately reflecting my utilization and effecting my overall credit score.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protect 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts were properly investigated Complaint ID : XXXX, but how is this be possible if the opening date is inaccurate, and the date last reported is not accurate. 
XXXX Funding Account # XXXX XXXX Funding Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX This is grounds for removal that also violated my rights under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my investigation.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX  and JPMCB - CARD SERVICE XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with XXXX, XXXX, and Transunion regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.
Product: Checking or savings account

Between the dates, XXXX, both my checking and savings accounts were depleted by criminals engaging in bank fraud. On XX/XX/XXXX, I received a call by a man claiming to be with Citibank. He stated that they detected suspicious activity on my account. He already knew which account and confirmed my address. I didn't give him any of my account information. He asked if I had made a purchase at a XXXX outside of VA- I had not. He then asked if I had made two other purchases, named the vendor and the amount spent. I had made those. Because he knew my actual account information, what I had recently spent, and my address, I believed him to be a Citibank employee. I later found out that he was not. After stating there was a lot of fraud going on, and that Citi wanted to make sure my fraud alerts were getting to me, he said that he needed me to read back some codes. I've had to read back codes before, so this didn't alarm or alert me that something illegal was happening. I mentioned that I would need my new debit card quickly as it was just 2 weeks away from XXXX and that I needed to finish shopping. This scammer said he understood and expedited a new legitimate debit card to my apartment. He even said that he was going to waive the fee to expedite it since I had been on the phone for a while. I thought it was a nice customer courtesy, and much to my chagrin, thanked the criminal. I did, in fact, receive the new debit card, and after receiving another call from the criminal, on XX/XX/XXXX, where he asked for the cvv ( which I didn't give to him ), I went to my local Citibank branch. It was then and there that I was told that both of my accounts were wiped out. The thieves moved my money through both of my children 's accounts in order to get all of it. I had close to {$30000.00} on XX/XX/XXXX and around {$14.00} on XX/XX/XXXX. Citibank has given me some credit, but has not returned it all claiming that part of my story lacks credibility. I have told them, and am still willing, to do whatever I need to do to get all of my money back. I am the victim here. I know there are many more of us out there having to fight ( file claims, make repeated calls, fill out endless forms, profess our innocence to seemingly deaf ears, visit police precincts, etc. ) just to get back what is ours. It is beyond frustrating and unfair to put the burden on the victim. After attempting to work with Citibank, and not getting resolution, I filed a complaint with the Department of Financial Services ( XXXX - XXXX XXXX ) on XX/XX/22. On XX/XX/XXXX, I received a response stating that I should file a complaint with the CFPB. After more frustration with Citibank, I am filing this complaint hoping to finally get resolution.
Product: Student loan

I have been with 4 different companies. Have paid them thousands of dollars up front and my loan amount is still the same. I have been out of school for over 10 years and have paid more in interest than my actual student loan amount.
Product: Credit reporting or other personal consumer reports

Inaccurate payment history was reported by XXXX XXXX. It all began when I requested a credit report and I discover that XXXX XXXX  reported 30 days late on my credit report, I immediately called XXXX XXXX  to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, discover the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and Equifax several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to discover bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Product: Vehicle loan or lease

I never applied for Chase Bank I knew they are always discriminating against deaf people. This shouldnt have happened to be reported against me? its a Slander, Defamation Against Without Consent Proof and My Knowledge And Its Really Ruining My Reputations! These inquiries should be taken off immediately or I will be contacting My Attorneys to have them file Major Lawsuits