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

on or around XX/XX/XXXX  request my credit report and i noticed some inquiries that i don't recognized I ask to XXXX, transunion, and XXXX to do an investigation because i don't recognized these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor has terminated the account and agreed to NOT report to the credit bureau. However, Experian has refused to delete the account each time I submit the dispute along with the supporting documentation. I am hereby demanding that they comply with my consumer rights and permanently delete this derogatory account from my credit report.
Product: Debt collection

I received a notice for a debt collection and the next day it was on my credit but there was no prior notice of any amount due at all. 

I had no idea that I owe any money to XXXX XXXX XXXX, as nobody reached out to me, the driver on the insurance changed all the details without notifying me and I did not receive any notice at all. 

But I never received any notice of any due amount and now it has been added to my credit as debt collection.
Product: Credit card or prepaid card

ON XXXX An Account was opened with Discover card Services. I applied for credit at the Time in Which my account was Approved and Opened With. Credit a Limit Of XXXX On XXXX XXXX I received a call from the verifications department to sign a XXXX   verification form which I signed the verification was spent back from the IRS for inaccurate information because the application did not list the Apartments number and previous address information. A second  verification letter was sent out on XX/XX/XXXX by a representative XXXX and he made a mistake or error because he failed to indicate the proper information such as address and apartments number so that it can be verified with what is listed with the IRS. On XX/XX/XXXX I was informed the account was going to be closed without reason. I feel verification failed to enter information on my behalf. Verification failed to enter apartment number on XXXX correspondence which caused the account verification to failed the second attempt. Im requesting CORPORATE COMPLAINTS TO LOOK INTO THIS MATTER and respond back with proper reasons to why my account is closed and provide documentation to their decision with accurate information for a closed account.. The information that was submitted to XXXX for the IRS verification was not correct correspondence. At the time of my credit pull I was approved and deemed Eligible. At this time Im asking the department to look into this matter and correct the matter and Mistake on Discover Verifications department. I can be  reached at XXXX
Product: Mortgage

Caliber services my present loan. They reached out to me to refinance. I went through the whole process including paying for an appraisal. They gave me a loan committment promising the terms of a refinance. They initially set a date but never sent the loan documents. They promised a new date to be set and that is when all communication stopped. Repeated attempts have been made by myself and my attorney to communicate with Caliber and they continue to ignore both of us. The process began XX/XX/2016 and my loan processor changed several time. Communication ceased XX/XX/XXXX.
Product: Credit card or prepaid card

Chase Sapphire Preferred Credit Card XXXX XXXX Contact : XXXX Email : XXXX Case ID : 1. XXXX ( From XXXX ) 2. XXXX ( From XXXX ) 3. XXXX ( From XXXX, possibly fake ) XXXX Attempt to book hotels in XXXX through the Chase UR portal for XXXX. I have XXXX UR points that I can use to redeem. Get error message while confirming booking. Called Chase. Chase tells me that they are currently experiencing technical issues. Please try again in two hours. Tried again two hours later, no luck. Call chase back and they said they are still experiencing issues and try tomorrow. 

XXXX Tried booking through UR. Does not work. Asked friend to book through his CSP through his UR portal. Worked fine. Requested same dates and same hotel. Confirmed this issue is only with my account. Now I start attempting to book random hotels in random states/countries with random dates. All receive error message only through my UR travel portal. This confirms that only my account has issues. 

XXXX Tried again today. Does not work. 

XXXX Call Chase back. At this point my initial hotel/room I wanted is sold out. Room prices went up as well. Call chase back. Transferred multiple times to multiple sales reps. Possibly 6-8 reps. Multiple times between travel dept and cardmember services to verify my card is working. My CSP is working fine. Once I got on the phone to someone who is willing to help, I first confirmed that they are not experiencing technical issues. Rep confirmed that everything was fine. Rep attempts to book hotel through phone. Gets same error message. Tells me its possibly hotel run out of rooms. We try different date, different hotel. Same error message. He then tells me to book directly with hotel. I tell him CSP gives 1.5X redemption through travel and I will lose money. He says he will file offline claim and send to technicians to examine issue with your account. Please allow 72 hours for us to follow up. 

XXXX Tried booking does not work. Same error message. 

XXXX Tried booking does not work. Same error message. Call Chase, at this point prices have gone up a lot and nobody followed up with me on offline claim. Get XXXX. Tries to book on his end. Same error. Puts me on hold and tries to continually book different hotels. Does not work. Tells me he has to send offline claim. I tell him last week a rep already did that. He tells me no record. I tell him I am getting very frustrated and to please help. He gives me case number:XXXX and that he will call me back in 30 minutes with a resolution. 3 hours pass by and no phone call. I call back and get XXXX as rep. We try booking hotel. Same error. We try booking in XXXX, XXXX, random cities and same error. She tells me she has to send offline claim. I tell her i worked with XXXX earlier and provided case number and already did this process last week. Case number does not exist as they begin with " S- ''. XXXX provided fake case number XXXX. She gives me case numbers : XXXX, XXXX and to wait 72 hours again. 


Attached photos of phone calls being transferred and on hold.
Product: Debt collection

AFNI Last reported XX/XX/XXXX Open balance XXXX Opened- XX/XX/XXXX Account status- open Remarks- places for collections Original creditor name- 11 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

I successfully completed, signed and notarized a loan modification with Shellpoint Mortgage in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, XXXX XXXX XXXX. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and everyday. XXXX told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that Shellpoint sent. XXXX says Shellpoint is not responding, Shellpoint says XXXX has everything they need. 

Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payment that was not noted in the agreement. There was no mention of the {$10000.00} anywhere, I went out of my way to continue to tell Shellpoint that this didn't seem right. Well my fears are now validated because XXXX indicates the {$10000.00} is the very reason they can not process my loan - because the {$10000.00} was not spelled out in the modification paperwork as a down payment - it is essentially showing that I made all the trial payments as a lump sum. 

As of XX/XX/XXXX nothing is resolved and I am still limbo with this loan. Its is extremely hard to get anyone on the phone at either company. 

Specifically I have left messages for the Supervisors at XXXX, XXXX XXXX and XXXX XXXX but no one cares enough to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the XXXX XXXX. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX  Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXXXXXX XXXX Opened date XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXX XXXX DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXXXXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything
Product: Debt collection

Old business cell phone bill for a business I was a limited liability partner in. Debt collector did not contact me in any manner prior to listing the debt on my credit report.
Product: Mortgage

XX/XX/XXXX I was approved for a mortgage. Since then I had to put in complaints about the service I was receiving. I called XXXX XXXX to ask her about a question about a property i seen that was residential / commercial she her referred to her supervisor who advised me at that time that if it was turned back to all residential I could proceed. I thought nothing of it any longer and started to look for other property 's. Well today I received a termination letter reasons stated : NFCU does not grant credit on the terms requested. XXXX XXXX then submits on the XXXX XXXX  What? There was no contract ever written no nothing. I am confused. MLS XXXX told me to today the notes underwriter wrote says no address, no contract, no nothing but still termination. This is retaliation cause i had emailed there ceo a couple of times when i was told not to. 
Please help me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I noticed that there were some fraudulent activities on my account. Initially, I was unaware of what happened to the funds that belonged to me, other than the fact that they were missing. However, I later realized these activities resulted in money transfers ( XXXX ) that I sent to various people and businesses being stolen. Not only did someone steal my money, whoever hacked my online account made claims on these transfers, subsequently transferring the refunded money to another Navy Federal account that does not belong to me. I obtained this information on Wednesday XX/XX/XXXX from a Navy Federal Customer Service Agent, whom I spoke to over the phone and conferred this information to me. The customer service agent stated they could not give me any further information, but due to the fact that I have a single Navy Federal account, I filed claims on all of the fraudulent activity via phone, and I was told there would be an investigation. I received a letter stating that I would be held responsible for all of the fraudulent charges, although none of it was my doing. I submitted an appeal letter, which I have not received a response to yet, but I am filing this complaint because this is not the first, nor second time that Navy Federal has allowed fraudulent activity on my account, and I should not be held responsible for someone else 's fraudulent and illegal activity. In essence, I have had {$2600.00} stolen from me, and this has caused great financial strain on me. Now, Navy Federal is trying to hold me accountable for something I did not do instead of pursuing the person ( s ) whose account the stolen funds were transferred to, although they apparently have information regarding that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 usc 1681 : I have rights to privacy and i did not give Equifax written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

Hello i reached out to transunion on XX/XX/23 about some incorrect personal infformation reporting on my credit and they have yet to response and acknowledge my concern. I fee as though i have been ignored and have given them enough time to fix the error
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, the XXXX account XXXX texted me saying how she's a representative for Cashapp and if I send her {$100.00}, she would send {$1000.00} back. Long story short, she kept my money and refuse to give anything back. I cashapp account she had ne send the money to was XXXX XXXX. I really just want my money back and for her to be caught for those lies. Anything you guys can do to help would be great. I also have the screenshots of the conversation, if that will help.Thanks.
Product: Debt collection

I had several collections show up on my credit report from Midland Funding LLC. I have disputed XXXX of the credit bureaus ( XXXX and XXXX ). XXXX did an investigation and immediately deleted everything with Midland on my credit report. The information remains on my XXXX file and I would like it removed off.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes XXXX, XXXX and Transunion
Product: Checking or savings account

I am filing this complaint against Navy Federal credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged for fees due to prolonged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU FOR similar practices where transactions settled with insufficient funds despite initially available funds. I believe these practices are unfair and my account needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several years to get my FREE credit report from XXXX   and Trans Union but I am never able to pull the report online. They always say my request can not be processed and have to be ordered by mail which can take up to 30 days. This has happened several years in a row. There is no number to call or an email to submit questions to. I have never had any issues with XXXX and Trans Union has worked a few times but not for the last couple of years. XXXX has never been able to give me my FREE report online, ever but they can sell it to me without an issue. 

This is complete XXXX  that my personal information is hijacked by companies that I have nothing to do with and I have no access to it without paying them a fee.
Product: Debt collection

I am XXXX on state aid I was suppose to get a free government phone from XXXX they sent me a bill 10 days after I received the telephone and I contacted them to tell them it is a free government planfree phone and free 500 minuets they transfered me and talked me in circles I mailed the phone back 2 years ago before the month was even up. I owe them nothing I was told it was a government program I signed nothing and they had their phone back in their possesion within 22 days I want them to remove this Scam off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX This account is reporting negative and I paid it already Credit collection services XXXX These are reporting wrong information My name is wrong XXXX XXXX is not my name XXXX XXXX XXXX never lived there
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense XXXX  for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I wrote to LexisNexis Consumer Center and requested a security freeze be place on my Consumer Disclosure report. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E report and other reports furnished LexisNexis regarding all personal information of mine to credit bureaus and creditors, but also future potential employers until I lift this restriction. Finally, I requested LexisNexis to send me a FREE copy of the information you are reporting about me as of the date you receive this request. In my request, I provided my Driver 's License Number and Social Security Number as well as my Name, full date of Birth and Address, and also enclosed a copy of my State issued Driver 's license and Social Security Card. This request was mailed via certified mail. 

On XX/XX/2019. LexisNexis wrote back indicating that they were unable to process my request as they were unable to " authenticate me '' with the information I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 of 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXXI Account No. XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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
Product: Checking or savings account

I AM XXXX XXXX XXXX, AND MISLEAD. I HAVE A BILL OF EXCHANGE THAT I WAS TRYING TO SUBMIT FOR LEGAL TENDER AND THE MANGER WELL HE CLAIMS TO BE THE " HEAD MANGER '' OF REGIONS BANK AT BRANCH LOCATION IN XXXX, XXXX. HE SAID HE WILL CALL THE POLICE ON ME, HE MAKE XXXX TO XXXX A YEAR AND I HAVE NO RIGHT TO USE LEGAL TENDER. ALSO STATED THAT HE WILL CALL OTHER BRANCHES AND HAVE THEM PUT ME ON LIST NOT TO OPEN AN ACCOUNT UP WITH THEM. HE IS GOING AGAINST MY RIGHTS A XXXX GIVEN PERSON AND CONSUMER LAWS. WHEN XXXX WAS PASSED WE THE PEOPLE BECAME COLLATERAL TO USA DEBT THE REMEDY FOR XXXX THAT WAS ALL DEBTS ARE PAID BY THE USA, AND LEGAL TENDER IS NOT IN CIRCULATION BECAUSE ITS NO GOLD BACKING THE DOLLAR ITS JUST PAPER. THE MANGER CUSSED, YELLED AND SCREAMED AT ME FOR NO REASON ON TOP OF HIM NOT EVEN MEETING ME NOR SEEN MY BILL OF EXCHANGE. HE SNAPPED ON MY OVER THE PHONE AND REFUSED SERVICES CAUSE XXXXM TRYING TO GET A CAR USING LEGAL TENDER. AS I STATED ON THE PHONE IF I MAY BE MISLEAD PLEASE CORRECT ME BUT HE DID NOT EVEN WANT TO MEET WITH ME TO SEE WHAT IS IT THAT I HAVE. I DO EVERYTHING IN GOOD FAITH AND STANDING. IM JUSTA PERSON WHO IS LEARNING AND SEEKING HELP. HE ALSO WAS HANGING UP ON ME BACK TO BACK AND I HAD TO CALL BACK JUST TO GET HUNG UP ON. I HAVE WITNESSES THAT WILL TESTIFY IF HAVE TO THAT THE MANGER OF THIS BANK WAS VERY DISGUSTING WITH ME FOR NO REASON ALL BECAUSE IM TRYING TO DO LEGAL TENDER.