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

On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

I have called every month since XXXX to get my escrow account properly analyzed. I have been hung up on, yelled at, lied to, and more. They have the information I have submitted a tax bill, I have sumbitted emails from the city, I have submitted information at every request. They as anyone can go onto XXXX website and see what my tax due is. In fact Lakeview has paid it for the 1st half already this year and I went ahead and paid the second half myself. They still continue to charge me near {$600.00} a month for my taxes in my escrow account when currently {$0.00} are owed for the rest of the year. This company refuses to accurately and fairly adjust my escrow account and in doing so are holding my money illegally as they are only allowed to collect an extra 10 % to fund an escrow account. I wish that they could be charged punitively for their continued disregard and negligence of my situation.
Product: Checking or savings account

I was always having double over draft charges or overdraft charges being charged within days of one another. I know most banks give you several days in between before another overdraft charge is submitted but with Wells Fargo it literally would happen in same day. 
And they promised over draft protection in the amount of at least {$600.00} and I was never able to get protected in anything over {$150.00}. And I had direct deposit. 
This was the worst financial institution I ever banked with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I want these accounts removed from report no more reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INCORRECT NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX SO XXXX XXXX XXXX XXXX XXXX, CA Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that the debt was placed on my credit file on XXXX/XXXX/2020. I immediately notified the company that I was a victim of identity theft and that they remove this from my file or please provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. This matter has been reported before and the company can not & has not been able to provide me a validation of the debt letter. It was off my report for a while & somehow it's back. What has changed? How can they remove it for years then just add it back on without notifying me. I believe that they in violation of the unfair trade practices law. Please assist me in resolving this matter.
Product: Checking or savings account

I have had fraud on my account with navy federal. International currency transactions are showing on my account in which I have never did business with. Because of the amount navy federal credit union refuses to even investigate the fraud. I have sent in legal documentation and was not even acknowledged that there was an error. The immediately said they did not find an error not have to investigate the problem.
Product: Debt collection

I am writing to formally dispute inaccurate information that has been reported on my credit file and to request an investigation into this matter. I have reviewed my credit report and found negative entries that I believe to be inaccurate, outdated, or unverifiable.
Product: Checking or savings account

I get paid on XXXX  mornings usually but here it is XXXX  and my check still ain't in my account. I want my money!!! After finally getting through to customer service, they told me it was a third party issue but would be fixed. That doesn't help me now I want my money, I have bills waiting for their money. Y
Product: Money transfer, virtual currency, or money service

on XX/XX/23 I had made a instant transfer {$50.00} from my Venmo account ( XXXX ) to my XXXX  account ( XXXX ). 
Transfer never made it. Spoke with XXXX at Venmo ( see attached docs ) he said the transfer made it to XXXX. I spoke with XXXXXXXX XXXX XXXX XXXX  at call center, he said {$50.00} never made it and theres nothing he can do. Told me to have Venmo pull it back and credit my account. Venmo won't do it. see attached docs. 
Someone or a company has my {$50.00}. I want my {$50.00}!. I will escalate to XX/XX/XXXXor Atttorney General if needed.!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/ natural ( woman ) submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX , DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,
Product: Checking or savings account

My name is XXXX XXXX I made a complaint through CFPB On XX/XX/year>. Id number XXXX. The response in that complaint says that the bank will issue me my funds but when I reached out to receive them, they made me wait an hour, then stopped talking to me saying they were offline. I dont like how Im being treated and I DEMAND THEY SEND ME MY MONEY. I HAVE ALREADY FOLLWED THROUGH PUBLISHING THE COMPLAINT JUST INCASE SOMETHING HAPPENED AGAIN!!! We need to solve this IMMEDIATELY!!!!
Product: Checking or savings account

Upon opening the account the week prior, I specifically noted that i would be linking my card to XXXX  and purchasing crypto currency. I was told this would NOT be a problem. On XX/XX/2023 I put through a transaction to XXXX  for {$1000.00} with my US bank Debit card. immediately received a text message asking to verify the transaction from the fraud department. I verified I DID AUTHORIZE THIS TRANSACTION and it was not fraud. They refused to process the transaction still. I called the fraud department and was told they saw that I authorized the transaction and STILL REFUSED to put the transaction through. They have unlawfully denied an authorized transaction i have made and prohibited the disbursement of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 item of information contained in 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$330.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}.
Product: Credit reporting or other personal consumer reports

I have been trying to get XXXX to fix their error reporting to the credit bureau for over a month. They have reported me seriously delinquent while a XXXX XXXX XXXX. I am currently in law school. My school, XXXX XXXX has sent XXXX deferment forms multiple times and they have not fixed their mistake.
Product: Debt collection

On XX/XX/2022, My last attempt to resolve this issue I requested Experian please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.
Product: Student loan

Loan Servicer : Aidvantage I tried calling multiple times in XXXX but have not been able to get through to a representative due to long hold times. I also tried sending message online back in XXXX and never got a response. 
I applied to the SAVE program back in XXXX and it was approved through the federal aid site, but my loan servicer has still not provided any update on their end or updated my payment amount.
Product: Payday loan, title loan, or personal loan

I made a XXXX over the phone. I was told that was the payoff amount. Looked on line it was asking for {$13.00} dollars more. I paid it because I want to get rid of this company that only care about interest and not the principal. I was told I would receive a letter in my email that the loan was paid off in full within 24 to 48 hours and all three credit bureaus will receive confirmation that the loan was paid off in full. It has now been 72 hours. I just want my letter so I won't have to deal with this Fraud unprofessional money hungry company ever again.
Product: Checking or savings account

Wells Fargo, Charged overdraft fees when I had money there to cover transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX that was a notice of data breach. On date XX/XX/XXXX. Then on XX/XX/XXXX I received a letter from Commonwealth financial systems with a bill for XXXX for a so said debt from XX/XX/XXXX. I am currently on a payment program with XXXX installment dept. and XXXX emergency group to pay all things off from XX/XX/XXXX.The timing seams bad as well when I called Commonwealth at first they told me it was hospital charges and told them about my payment plans they changed to it was a DR bill.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on my credit report I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

Am a customer of capital one bank and have an active checking, saving and credit cards account with them. Am also a frequent user of the XXXX account. On XX/XX/year>, i mistakenly XXXX a {$1000.00} to a wrong phone person number because the person i intended to XXXX it to change her phone number and i forgot to change her number in my XXXX contact. I notice the mistake and i called the bank immediately to stop the transaction but the customer service rep told me that the transaction is pending so they cant do anything until the transaction has gone through. I pleaded with her not to allowed the transaction to go through as it was a mistake but refuse to do anything, She told me to wait until the transaction went through and fill a claimed and my money would be refunded to me. I later filled a claim but my claimed was denied. i filled a again and again it was denied. i was told that it was denied because the payment was processed according to my payment instruction, so i was advice by the bank to contact the person directly to resolved it. I tried calling the person he accepted he received the money and will send it back but never did. I contacted XXXX but they told me that they cant help me that i should contact my bank. i called my bank requesting the address of the person but they refuse to give me either. Have been calling, walk in but they are saying they cant help me. Please is there someone out there who can help me to get my money back. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the listed accounts ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1400.00} ;
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and unauthorized collections being reported on my credit report by XXXX. I have previously requested that the debt XXXX reporting these accounts cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease and desist request.

Despite this, these debt collectors are still reporting the accounts to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.
Product: Debt collection

I've tried several times to settle the debt starting back in 2016 they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXX XXXX Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by XXXX, Experian and XXXX. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.
Product: Debt collection

I.C System, Inc XXXX Im unaware of this debt and I did not receive proper notification. If you believe that you provided proper notification then please provide certified Mail receipt with my signature on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. XXXX sure that someone have my personal information.