23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I received a direct deposit in the amount of {$4200.00} in my Old Netspend checking account. The account was closed due to a fraudulent charge made and a new account was opened. I tried calling Netspend first on XX/XX/2021 to get the funds transferred to my new account and due to heavy call volume they were not answering their phone, and the system automatically hangs up your call. I called again on XX/XX/2021 and again the system hung up the call. I made another call on XX/XX/2021, was on hold for 50 minutes and a customer service representative answered. The customer service rep was asking security questions which is typical but some questions were not. When I challenged her as to why I had not provided sufficient security info up to that point to prove I was the account holder, she became argumentative and said she had no choice but to place me back in the queue where I had already spent 50 minutes trying to talk to a customer service rep. I called again on XX/XX/2021. I was on hold for 1 hour and when the customer service rep answered he said I could only transfer {$300.00} from the old account and that there was a {$1500.00} limit every 24 hours. I declined to transfer the {$300.00} because I did not want to be assessed a transfer fee. I called back on XX/XX/2021 and after a 42 minute hold I spoke to a customer service rep that told me that as of XX/XX/2021 I could only transfer {$380.00} until next month. The next time I could transfer money wouldn't be until XX/XX/2021. I have been receiving the run around from Netspend and they are unwilling to compromise regarding releasing these funds. I am in the process of selling a house and these funds are a necessity to get the home improvement work completed. Their policies are restrictive to the customer and their customer service has been subpar and has had a negative impact on my day to day personal duties and responsibilities and livelihood.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$730.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$760.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$8300.00} XXXX # XXXX XX/XX/XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT FOR XXXX, XXXX, XXXX, AND XXXX. I WAS DENIED A MORTGAGE LOAN DUE TO THIS INACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion and XXXX regarding the reporting of information in which i did not give my consent. 

According to 15 USC 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


On XX/XX/2021 I contacted both companies via a written dispute demanding that they remove the account from my consumer report as it is a violation of my consumer rights and I never gave TransUnion or XXXX  any written consent to report the account to my credit report. I never received a response from either company or deletion of this account from my consumer report. 

Account Listed XXXX. Account # XXXX According to federal law the FCRA states that these consumer reporting agencies have 30 days to respond and failure in doing so they must immediately delete the disputed item from the consumers report. Failure to do so is a violation under Federal Law.
Product: Debt collection

MY NAME IS XXXX XXXX IN THE PAST I HAVE TRIED TO COME TO AN ARRANGEMENT TO PAY MY DEBT OF XXXX THE PERSON THAT SPOKE WITH XXXX REJECTED ME THE OPTION OF BEING ABLE TO PAY A MINIMUM AMOUNT THEREFORE I WAS VERY AFRAID OF WHAT WAS GOING TO HAPPEN SHE MADE IT CLEAR THAT I HAD TO MAKE A DOWN PAYMENT OF MORE THAN XXXX I AM A SINGLE MOTHER OF A XXXX YEAR OLD TODDLER, ALSO WORKING A FULL TIME JOB TRYING TO MAINTAIN MY LIFE AND MY SONS. THEREFORE TODAY XX/XX/18 AT XXXX MADE A CALL TO THE BUREAU AGAIN TO TRY TO MANAGE AND PAY MY DEBT AT LEAST THE LITTLE I COULD CONTRIBUTE BUT PAY IT BACK THE PERSON I SPOKE WITH STATED THAT THE XXXX DOLLARS I PAYED WERE NOT GOING TO STOP XXXX FROM PROCESSING MY CASE AND SHE WOULD NOT ACCEPT IT I AM A CITIZEN OF THIS COUNTRY BEEN WORKING SINCE XXXX YEARS OLD THE FACT THAT THEY ARE REJECTING ANY SORT OF MY INCOME IT IS DISGUSTING AND I DO NOT WANT TO SPEAK WITH XXXX I WANT TO SPEAK WITH SOMEBODY THATS WILLING TO HELP ME AND WORK WITH MY CASE!!!!
Product: Debt collection

Portfolio Recovery keeps calling me at my job. I work at a dealership and they call reception asking for me, stating that they are on a recorded line. I asked several months back NOT to call my job and they keep doing it. Today when they called I told them I reported them and the girl said " Now wait just a minute. This is the first time I called you '' I hung up the phone. I am about to file Chapter XXXX bankruptcy and they continue to call me at my job. This is against the law if they have been told I can not take these calls at my job. 

I want them to be punished for there harassment and rude way of speaking. The number they call on is XXXX. Sometimes from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is with XXXX XXXX XXXX, and the account number is XXXX. I did not open this account, and the charges made on it are not mine. I suspect that the account was opened fraudulently by someone else who obtained my personal information without my knowledge or consent. I have taken steps to address this issue with all XXXX credit bureaus. XXXX removed this account after XXXX XXXX XXXX couldn't verify the debt, but Experian and XXXX still has this account reporting on my credit report. I contacted both XXXX XXXX  ( Original Creditor ) and XXXX XXXX XXXX about 2 months ago to dispute the debt and report it as fraud. Since then I have not got a response and have made a few follow up calls but haven't got any help. I am requesting that the account be removed from my credit report as it is not mine and was opened without my consent. I have included copies of the police report and any other relevant documentation to support my claim. Please investigate this matter and take appropriate action to remove the account from my credit report. I appreciate your attention to this matter and your prompt response.
Product: Debt collection

I received a notification alert from Experian Credit Reporting agency on Thursday XX/XX/XXXX stating that a " Collection '' account / entry was placed on my credit report. 

According to Experian Credit Reporting, the name of the company that made the entry is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX. Phone Number ( XXXX XXXX XXXX. Amount referenced is {$4100.00}. 

I did not receive a letter or phone call from this company. I don't know who they are. 
They arbitrarily made this entry on my credit report. 

The Alert from Experian seems to suggest that this was done on XXXX XXXX but it didn't show-up until Thursday XXXX XXXX 

Proposed remedy : Immediate deletion of entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, a person applied for credit cards using my information and I ended up getting XXXX inquiries yet I didnt apply for these. This person applied to XXXX different banks within a short period of time. I called all the banks already though this didnt help as much. XXXX told me this was my other solution.
Product: Credit reporting

EQUIFAX sends XXXX XXXX the followng correspondences - maybe considered " fraud '' that violates consumer rights : 1. On XXXX XXXX, XXXX from Equifax Information Services LLC ( attached, XXXX ). Subject of Letter : " XXXX XXXX 's call re Fraud Alert, '' 2. and XXXX XXXX, XXXX from Equifax Security Freeze/Equifax Information Services LLC , advising of a subsequent " security freeze '' on consumer 's Equifax credit file. ( attached, scan XXXX ). 

PROBLEM is - XXXX XXXX NEVER made a CALL to EQUIFAX! Not sure what Equifax is UP to ... BUT these XXXX FACTS could be a backdrop to these correspondences : 1. Equifax Settlement Services was acquired by XXXX XXXX XXXX in XXXX XXXX - from EQUIFAX Inc. [ XXXX ]. Essentially - XXXX XXXX XXXX 's direct link to Equifax..XXXX who is the subject of our Mortgage Fraud Complaint with CFPB. See item XXXX below. 

2. XXXX XXXX XXXX is the subject of our Mortgage Fraud case with CFPB - CaseXXXX, lodged XX/XX/XXXX. Purported servicer making an illegal attempt to " steal our residential home in broad daylight. '' No proven LEGAL Rights to foreclose ... and ALLEGED DEBT most recently proven to be NON-Existent! See XXXX XXXX Results XX/XX/XXXX ( Exhibit XXXX from referenced CFPB file : XXXX XXXX XXXX account was DELETED from XXXX XXXX 's XXXX Credit file. ) Consumer is sending correspondence to EQUIFAX by regular mail re this DISPUTE. Given the urgency of our personal situation however - XXXX making illegal attempts to foreclose against our home next week - XXXX XXXX, XXXX - we thought it proper to lodge this Complaint with CFPB for possible investigation vis-a-vis CFPB case against XXXX XXXX XXXX ( CFPB XXXX ). THANK YOU.
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, XXXX, TRANSUNION MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; 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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been part of identity theft and Im just trying to remove whats not mine or what I didnt open
Product: Debt collection

My credit report shows that I owe {$1900.00} to JEFFERSON CAPITAL SYSTEMS LLC, with XXXX as the originator creditor. I'm not aware of this XXXX mobile account ; I've never had a XXXX mobile connection. I also called XXXX customer care, but it took me to XXXX XXXX  because XXXX was merged with XXXX XXXX, and they confirmed that the account that appears on my credit report from Jefferson does not exist nor is associated with my name in their records. This has had a significant negative impact on my credit score. I have not received any email or physical mail communication regarding this. I see this entry on my credit report ; it does not belong to me, nor do I have a XXXX mobile connection. I have also filed a dispute with all XXXX credit bureaus.
Product: Credit card or prepaid card

Creditors were told by getting paid bi weekly some payments are due before second pay period I have no control over husbands pay dates this was explained to creditors they dont try to help so credit can be repaired
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have faced in attempting to correct several late open accounts on my credit report. Despite my diligent efforts, the inaccuracies persist, and I have made multiple attempts to rectify this situation. I would like to bring this matter to your attention in hopes of resolving it promptly. 

I have followed all the proper procedures as outlined in the Fair Credit Reporting Act ( FCRA ) by filing disputes with the credit bureau and providing supporting documentation to substantiate my claims. However, despite my persistent efforts, these inaccuracies remain unresolved, negatively impacting my creditworthiness. 

I understand the importance of accurate credit reporting for individuals like me, who rely on their credit scores for various financial transactions. The inaccuracies on my credit report have resulted in unjust consequences, including higher interest rates and difficulties in obtaining credit. 

I kindly request that you investigate these issues urgently and make the necessary corrections to my credit report. I also request that you provide me with a detailed explanation of the actions taken to rectify these inaccuracies, along with a timeline for their resolution. Please ensure that I receive a written response within the time frame prescribed by the FCRA. 

If my concerns are not addressed promptly and the inaccuracies on my credit report persist, I may have no choice but to seek legal action to protect my rights under the FCRA. Kindly assist me to correct the followiing late open accounts : US DEPARTMENT OF EDU XXXX Opened XXXX XXXXXXXX XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.
Product: Checking or savings account

At first, our account was frozen with no information given as to why it was frozen. 
After hours of work with the bank, the freeze was removed, but no explanation given. 

Now, we have been waiting for a check to clear for over {$700.00}. It was a mobile deposit made on XX/XX/XXXX. It cleared the bank of the sender of the check on XX/XX/XXXX. I have received notice that the hold was extended at least through XX/XX/XXXX ( XXXX months after the mobile deposit ). 

I was on the phone today, XX/XX/XXXX, asking for more information and expressing a willingness to talk to any department that could clear the check. No information was given as to why the check is being held ; and there was no other department or person I could talk to that could give me more information.
Product: Credit card or prepaid card

I submitted a fraud complaint with US Bank Reliacard Services who is the service/card provider for unemployment benefits in Texas. This complaint was submitted along with supporting documents and I received a letter on XX/XX/XXXX from the Prepaid Dispute Resolution department stating they got my dispute and documents and have started their investigation, but the merchant has 120 days to respond. I waited until XX/XX/XXXX to call giving them an extra month. I called at XXXX and sat on hold roughly 70 min. To be told someone would be notified and call back Monday. Called back Monday, on hold 53 min, was told it was being escalated and supervisor assured me would be resolved. This same event occurred XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on. Now we're in XXXX, over a year later, XX/XX/XXXX to be exact. On the phone with 2 employees 87 minutes. Found out it was in my favor back in XX/XX/XXXX, but no one knows where the money is, so back to square XXXX. I was told it was being escalated and someone would contact me w/in XXXX hours and no one did, so I reached back out XX/XX/XXXX, on hold XXXX hours and XXXX minutes!, XX/XX/XXXX, and the last time was XX/XX/XXXX on which date the supervisor said that honestly, nothing ever gets resolved, so this is my best bet. It's {$450.00}. That's a lot to me. Nothing was ever done and no one cared. I remained calm and respectful and was literally on hold for what? It's in my favor, nothing was put back on my card- we looked at all of the statements many times. I've read other 's complaints pretty similar. Please help me get my money back. Thank you for your time and please let me know what I can offer in the ways of help to get this resolved! ( No one could or would provide me employee names or badge numbers? )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and EQUIFAX regarding their failure to remove fraudulent accounts from my credit report despite providing substantial evidence proving that these accounts do not belong to me. I request your assistance in resolving this matter and rectifying the inaccuracies on my credit report. 

I have repeatedly contacted the credit bureaus, providing them with documentation including police reports, identity theft affidavits, and correspondence with the fraudulent creditor, proving that these accounts were opened fraudulently and are not associated with me. Despite my efforts, the incorrect information remains on my credit report, negatively impacting my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Please esculate!!!!!!! 

Lender : Navient Student Loan : # XXXX Effort : Contacted Navient by letter, email and phone numerous times from XX/XX/2019 to today ( XX/XX/2019 ) - No results. Issue not fixed. I get the run around!!! 

Loan Balance : XXXX ( XXXX ) Request : Close All Navient Accounts and report to credit bureaus as closed. Send official letter, email ( XXXX ) or letter stating accounts are closed by Navient. 

Issue : Navient will not close the three parent student loans accounts, which is reported to the credit agencies ( e.g., XXXX ) as open. Navient said on their end, the account is expired, but not closed. Credit Report only has Open or Closed, not expired. Doesn't make sense. Navient also says, Department of Education is the owner and they will have to close the account. I talk to Department of Education and they say Navient ( lender ) has to close the account. Pointing fingers, but I am the only one suffering and not getting this issue fixed. 

I need help, please fix!!!! Thanks in advance