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

on XX/XX/XXXX i received a call that stated i needed to provide a copy of my lease, or a utility bill to verify my address. They would not accept the business license, they let me open the account with. So they have frozen the funds. I provided them with the information they required to unlock the funds. they are telling me now today, XX/XX/XXXX, that it will be up to 2 weeks untill my funds, are unlocked. These are business funds, I am unable to work untill this account is unlocked. I have been a customer at the bank for 10 years. I am not a criminal. I provided them with all the information they requested.
Product: Student loan

My sister passed away in California, 47 days later my Mother had accident and XXXX   XXXX out of state. In 6 institutions with my Mother on 2 different XXXX at work, XXXX XXXX. XXXX said you know this job, you were our # 1 XXXX XXXX, we like you however your job is over today. I asked when I would get paid for my new contracts being installed in next days? XXXX said never. I got a default because of life situation, I did my best to avoid. However Nelnet told me the only way to get out of this is start making direct deposit payment of minimal amount. Then I found under employed job while looking for another job, requested income base pay plan. I have reached out to Nelnet since XX/XX/2019 that amount is incorrect, 73 calls and 43 emails later still no resolution. Managers I requested, since no advisor could help or were documenting previous calls. Manager XXXX XXXX never called me back. Manager XXXX XXXX left message to busy with meetings. So I went to guarantor XXXX, forwarded my documents, and XXXX said would file a complaint, XXXX did not file complaint, mislead again. Who would have thought 12 years ago surviving near death accident, being told by Dr 's probably would not work again. No assistance at Nelnet Beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account.

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at The Office of the President at Synchrony Bank about some open account issues on my credit report. These open accounts show the following open accounts by Synchrony and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of XXXX XXXX, their response was that they no longer had the account and sent it back to Synchrony Bank. Furthermore after speaking with XXXX at The Office of the President at Synchrony Bank, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by Synchrony Bank and it's collection practices. XXXX at The Office of the President at Synchrony Bank was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.
Product: Student loan

To whom it may concern, I am XXXX XXXX and typing this on behalf of the deception and immorality of Navient. I was the first to go to college and they mislead me into taking a loan out that could not be consolidated in the federal loan forgiveness program intentionally. I have over one hundred thousand dollars in debt and it is unfair and disgraceful that I was misguided and still being penalized for their manipulation. This company has already been sued in multiple other states and I would like my loans also forgiven or at least consolidated with the rest of my loans. It is absurd that going to college has turned into a debt collecting punishment. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont owe anything else and attached a document as proof. I am kindly requesting MIDLAND FUNDING XXXX Opened XX/XX/2018 agency to remove this collection from my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unprofessional conduct and potential misuse of my personal information by a real estate agent. During the leasing process for a rental property, the agent collected my Social Security Number ( SSN ), stating it was solely for verifying lease eligibility. However, I later discovered my SSN was used at a car dealership without my knowledge or consent. I have never been to or authorized dealings with this dealership. The agent mentioned that the landlord owns a dealership in XXXX, which raises serious concerns that my SSN may have been misused or shared without authorization.

The agents actions, including the potential misuse of my SSN, improper communication, failure to fulfill her obligations, and neglect of the propertys condition, demonstrate a severe lack of professionalism. I request that the XXXX investigate this matter thoroughly and take appropriate actions to hold the agent accountable for her misconduct.
Product: Mortgage

After losing my job in 2019 i requested help from my lender for mortgage assistance. I was willing to pay and only wanted to redo my loan to something i could afford. After almost six months of back and forth i was denied and they would not accept partial payments to try and catch up so they filed for foreclosure. Then XXXX hit and the courts were closed down until in XXXX my loan was sold to another company which meant that i had to start over which i did but after 3 attempts the new mortgage company denied me and continued with the foreclosure. I have repeatedly tried to try and arrange a modification to stay in my home of 50 years but they basically said i was out of luck. I am willing to pay my mortgage all i wanted was a reasonable payment that i can afford but they refuse to work with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( c ), concerning the removal of adverse information resulting from my status as a XXXX XXXX  XXXX. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, XXXX has refused to comply with its clear legal obligation. 

As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result oXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in Doe v. Equifax Information Services, XXXX, XXXX XXXX Dist. XXXX XXXX, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance. 

XXXX 's refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for XXXX XXXX XXXX XXXX. As a XXXX, I should not continue to suffer the consequences of adverse information directly linked to the trafficking I endured. 

I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that XXXX complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as XXXX  ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. 

Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Product: Credit reporting

The employer address on my credit report is wrong. My employer, XXXX, is not located on XXXX in XXXX. The correct address for XXXX is XXXX, CA XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I have requested multiple times for my personal information to be updated with the correct address, name, date of birth SSN, Experian is continuously reporting in accurate information on by report causing negative reporting to my identity
Product: Debt collection

I have attempted to send a debt validation letter to this company, at the address they provided to the CRA 's. This address is not a valid address and my certified letter was returned. This intentionally deceptive act has prevented me from requesting a validation letter. Furthermore it violates the Deceptive Trade Act as noted below. When you try to reach LVNV the phone dials Resurgent Capitol Services. The original debt owner took me to court, I won the case ( dismissed with prejudiced in my favor ). This behavior is is also in violation of the FDCPA/FCRA/TDCPA Sec. 17.462. LISTING OF BUSINESS LOCATION OF CERTAIN BUSINESSES.
b ) A person is considered to misrepresent the geographical location of a business for purposes of Subsection ( a ) if the name of the business indicates that the business is located in a geographical area and : ( 1 ) the business is not located within the geographical area indicated ; ( 2 ) the listing fails to identify the municipality and state of the business 's geographical location ; and ( 3 ) a telephone call to the local telephone number : ( A ) listed in the directory or database routinely is forwarded or transferred to a location that is outside the calling area covered by the directory or database in which the number is listed ; or ( B ) provided on the Internet website or in a print advertisement routinely is forwarded or transferred to a location that is outside the calling area of the geographical area as indicated by the name of the business.

Sec. 17.50. RELIEF FOR CONSUMERS. ( a ) A consumer may maintain an action where any of the following constitute a producing cause of economic damages or damages for mental anguish : ( 1 ) the use or employment by any person of a false, misleading, or deceptive act or practice that is : ( A ) specifically enumerated in a subdivision of Subsection ( b ) of Section 17.46 of this subchapter ; and ( B ) relied on by a consumer to the consumer 's detriment ; ( 2 ) breach of an express or implied warranty ; ( 3 ) any unconscionable action or course of action by any person ;
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate payment history information on my Experian credit report. Specifically, Experian has failed to properly verify the reported payment history with the creditor, resulting in misleading and incorrect information on my report. 

The details of the disputed account are as follows : Creditor/Account Name : XXXX XXXXXXXX Account Number : XXXX Dispute Issue : Late payment incorrectly reported Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and verify disputed information directly with the creditor. However, I have reason to believe that Experian did not properly verify my payment history, as the creditor has confirmed that the reported late payments are inaccurate. 

To support my dispute, I have attached the following : A copy of my credit report highlighting the inaccurate payment history. 
A statement or letter from the creditor confirming my payment history. 

I request that Experian immediately : Conduct a thorough reinvestigation of this dispute, ensuring direct verification with the creditor. 
Provide me with a written statement explaining the investigation process and the name of the entity verifying the information. 

Update or remove the inaccurate payment history if verification can not be properly substantiated. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. If the inaccurate information is not corrected or if Experian continues to fail in properly verifying my dispute, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 


Thank you for your immediate attention to this matter.
Product: Debt collection

Medical Dept was settled and paid off in XX/XX/XXXX. Original date of service is XX/XX/XXXX. Receiving collection calls everyday and threatening messages being left on voicemail of being sued, wage garnishment, and higher accumulation of additional fees. Derogatory mark has damaged credit history. Many attempts have been made with WAKEFIELD & ASSOCIATES , INC. to have them remove derrogatory marks and stop fraudulent collection attempts.
Product: Checking or savings account

I deposited a check from XXXX XXXX for XXXX and it posted after XXXX the next day but funds were not available in acct. I called corporate number and they assured me it was not PNC but the issuer who had not released the funds. I spent the next 2 hrs trying to contact them and then the branch told me that was lie and the bank did place 5 day hold.I have previously deposited a XXXX check and XXXX. Was available immediately. but with this one none. Because of this I am not able to pay my internet bill this week and a bill that I had XXXX days same as cash will not gain about XXXX in interest cause I was not able to pay
Product: Money transfer, virtual currency, or money service

OnXX/XX/2019InoticedthatanautomaticwithdrawalwasmadefrommycheckingaccountbyCoinbase,thebitcointradingcompany.IreachedouttothemonXX/XX/2019andwasinformedviaemailthattheywouldgetbacktomeassoonaspossible.Inthemeantimetheydisabledmyaccountwhichhadapproximately{$2000.00}.IaskedforanexplanationonXX/XX/2019butnonewasreceived.OnXX/XX/2019Ireceivedanautomaticmessagesayingthatmybalancehadbeenincreasedby{$1000.00}.However,myaccountwasstilldisabledwithnoaccess.Ihavetriedcontactingthembyphone,butyou'redisconnectedassoonastheyrecognizeyournumber.Theywillnottakecallsfromanyothertelephonenumber.

Iamatwitsend.Icanillaffordtolose{$3000.00}.

ThetwocaseNos.theygavemeareXXXX&XXXXCanyoupleasehelp?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account to Equifax and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX  Balance {$850.00} In accordance with the fair credit reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and XXXX credit bureaus to confirm this records ( 1 ). ( A ). I'm hoping that these disputed accounts get updated. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 XXXX XXXXXXXX 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

I noticed two companies on my credit report I never authorized. I sent Equifax a letter asking them how these companies were put on my credit report. They said they needed to do an investigation, it has been beyond 45 Days. By Fair Credit Reporting Act this is illegal to put false items on someone's credit. I have never done any business with this company, I ask that it be removed. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

When I made my XX/XX/XXXXpayment the loan balance reflected was {$1400.00}. When I logged on to make my XX/XX/XXXXpayment ; it is now reflecting my loan balance is {$1500.00}. I called the customer service line and spoke with a representative on XX/XX/XXXX. The representative said the interest is compounded daily therefore your balance will be higher. I asked for a statement showing all my payments I have made and reflecting how much each payment went to principal and interest. She advised me she can not provide that because it company policy.
Product: Checking or savings account

I opened a new account at Regions bank in XXXXXXXX XXXX, The financial person printed me a card and said I was able to have full access to the card, and use the atm I went to deposit XXXX $ cash at XXXXXXXX XXXX on XX/XX/year> and it took my cash and spit out a receipt saying error and the machine says can not return your items and I went into the bank and he filed a claim. He told me he didnt know how long it would take they would have to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. Fraudulent Account : XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status 60 Days Late Past due amount {$51000.00} Fraudulent Account : XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed OPEN Status 180 Days Late Past due amount {$40.00} Fraudulent Account : XXXX ( Original XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Charge off Past due amount {$83.00}. 
Unauthorized Inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car got Broken in to on XX/XX/2022 I didn't no until the next day I call the cops and did a police report and told them me and my kids ssi my ID and password was stolen then I contact XXXX and open account with them to get my ssi number identify modified please help me with this
Product: Checking or savings account

Trying to set up online payment linking my PNC checking account to XXXX program. Got notification from online XXXX program that PNC made changes that prevent auto linking accounts. It is more costly for me to use my debit card to buy these gift cards than by autolinking my checking account. ( Over $ XXXX+ transaction fee to buy online with debit, vs. {$0.00} transaction fee using linked checking account. )