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

I had a case in Ohio from 2016 which when you look up in the court system it shows the case dismissed. Just recently when while I have been trying to get myself back on track notice that upon signing up with one of the credit bureau 's that my judgement for my case is totally different from my accurate information located in the court systems and they have been playing with my information for so long from health record to court records XXXX  records and housing records. They got my life all over the place. Yes true I want the information fixed but I am seeking payment for all the damages and pain and suffering I went through. I have all supporting documentation for I am seeking help immediately these people have been in my bank accounts prepaid bank accounts and everything.
Product: Payday loan

I received a payday loan with ( Check into Cash ) I paid interest fees and somehow my banking account gets completely out of order I explained this to them and they continued to send check through my account, then broke all kinds of confidentiality codes/law 's, Thank You For Your Time.
Product: Debt collection

I have continually had AR Resources list medical bills that are paid by my XXXX. I have no copay after medicare. I had two XXXX XXXX plans at the time, they have only billed one. 

XX/XX/XXXX Talked to XXXX - then called medical provider. Medical provider had to call XXXX and get collections removed. 

XX/XX/XXXX Call out to AR Resources - spoke with XXXX - talked to a supervisor, he said only one insurance was billed. He said they would remove from credit and would put note on my account so it wouldn't happen again. His supervisor did verify all the information.. 

XX/XX/XXXX Call to AR Resources XXXX XXXX - said he saw the issue and would get a supervisor. Phone disconnected I called back several times, last time left a message and no response. 

I did contact medical provider, they said it should not be happening. AR Resources has the information for billing. XXXX said it looks like its an issue with AR handling the billing. They put another note on my file. 

I was in the middle of buying a house and have had to call every month. This is a major inconvenience for me and affected me buying a home.
Product: Student loan

Dear XXXX ; My name is XXXX, my address is XXXX XXXX, NY XXXX, and I became disable on XX/XX/XXXX. In XX/XX/XXXX I applied and submitted my discharge application for Total and XXXX with Nelnet for my student loan to be dismissed, and again in XX/XX/XXXX I submitted all the documents that are need for my student loans to be dismissed, and as of today Nelnet have not dismissed my student loans. In the mean time, my student loans are incurred interest and Nelnet has been issuing XXXX and XXXX every time. I have called them and been getting the run around from Nelnet representatives. My account number with Nelnet is XXXX, and XXXX. I have submitted the Discharge Application for Total and XXXX XXXX XXXX XXXX Department of Education, XXXX Servicing, XXXX, XXXX, XXXX, phone number is XXXX or XXXX. Nelnet email address is XXXX. Went I looked at my credit reports from all major credit reporting agencies it shows I have XXXX student loans when in fact is not true. Nelnet is reporting wrong information to all major credit reporting agencies, and is doing nothing about it to resolve the issues. It has put me in the position to seek help from Consumer Financial Protection Bureau to resolve my issues, since I am not getting any help from Nelnet. I can be reach at the address located in the beginning of my complaint letter, and you can also contact me at XXXX. I want to thank you in advance. 
Sincerely, XXXX
Product: Credit card or prepaid card

I was a victim of fraud as 2 credit cards were taken out in my name. One of them I was found not responsible for but the other I have been battling to fix for over 6 months now. When I contact American Express Fraud Dept they keep telling me " oops we issued the investigation for the wrong card '' and I am promised that the investigation will be conducted for the correct card. Only to receive a letter a month or 2 later that they did not have enough information or found me responsible.
Product: Debt collection

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my credit report. I have been asking for documentation for over 6 months and the company refuses to provide it. I have also asked XXXX to look into the debt and all they do is tell me that they verified it was owed by me but will provide no documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX  ( Original creditor ) XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed a XXXX XXXX account with XXXX and Experian multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and XXXX and Experian. XXXX and Experian continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.
Product: Credit reporting or other personal consumer reports

Transunion continues to report debt that is not mine. My name is XXXX XXXX XXXX XXXX. There is XXXX charges on my credit report from XXXX bank. The documentation they have sent me is titled to a XXXX XXXX XXXX, Not XXXX XXXX XXXX XXXX. The contract they keep sending me does not belong to me and needs to be removed from my credit report. I have asked several times for proof via a social security number or date of birth but the contract they keep sending me only has a name of XXXX XXXX XXXX which is not me. I have attached my drivers license, my current transunion credit report and the documents XXXX bank has sent me. 

The Fair Credit Reporting Act ( FCRA ), 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 ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly XXXX am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card or prepaid card

I have a PayPal business Debit card and for some reason they put restrictions on my account to where it will let me use it to pay certain bills it's wanting me to show some kind of proof about the business account that the card is for like proof of ownership and tax receipts it was asking for 3 different kinds of proof that would be personal and none of there business and not required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX starts calling 3 days after payment is due up to 3 times a day. XX/XX/XXXX. XXXX XXXX XXXX I have mailed payment early & continue to get late payments added to my account. This has occurred since 2014.
Product: Checking or savings account

FYI : Consumer Financial Protection Bureau XXXX XXXX. XXXX : Navy Federal Credit Union is still violating the CFPA by unfairly restricting consumers electronic access by blocking online functions. I was late paying on my debit card 3 days ; XX/XX/2022 ; and they have blocked my access to pay the bill electronically. They have illegally froze access to my account... an action CFPB ordered NFCU to pay consumers in a class action suit in XXXX and FYI : they are still continuing to ignore
Product: Checking or savings account

on XX/XX/XXXX I deposited a check with the amount of XXXX XXXX later that night when I logged in to my account I saw that my checking and savings aren't showing up and I was thinking there is a glitch .so then I waited until the morning and still the amount didn't show up. I call customer service and then they advised me there is a block on my account due to invalid check that I deposited on the amount of XXXX $ and there is nothing she can do. I then called again on the XXXX and asking the rep again what is going on. 
and all this was after I called my friend who wrote me the check I asked my friend to contact the bank to make sure the check is okay. 
my friend called the bank and the bank told her the check is valid and asked citi to contact the bank to verify. 
I called Citibank again and asked the rep to called XXXX XXXX XXXX to verify the check. 
the citi rep called and come back on the phone and told me the check is verified. the citi rep told me he is going to put a note for the back offie to reverence my account closure and removed the block. 
a day later I called again and still my account is blocked with no access to my money. 
they every single rep telling me that my relationship with citi is over and they are no longer servicing me. I have a screenshot of the check on the amount of XXXX $ has been cashed out from my friend account. so how can they do that to me and not giving me access to my account when the check is actually cleared by the other institution also every time I called I've been treated like a criminal. 
I am way beyond frustrated, I've been calling several times asking for a supervisor and no one called me. 
please help me
Product: Credit card

I have paid my American Express platinum card on time and above the required payment on my bill, each month. I have no credit issues and my account is within terms ( no over limit, no late payment, revolving balance per terms of card, etc. ). I paid about {$700.00} last spring for the annual fee for this card. In the last XXXX  months, after I have made required payment for my monthly bill, I have received warning emails from American Express to the effect that I need to make additional payment because my balance is high. They threatened to decline my purchases if I did not make another payment and they specified an amount for me to pay. So, I made the additional payment only to find the pattern repeated : American Express sends an email threatening to decline my purchases if I don't make yet another payment. I have called their customer service and I have gathered various information. XXXX rep told me I need to keep my revolving balance below {$20000.00}. However, I received the threatening emails even when my balance was below that amount. Another rep told me I need to prepay every purchase where before I do a purchase, I need to pay my revolving balance down by that amount. I have feature on this account which allows me to revolve purchases over a certain amount. Another rep told me she does not know how much I need to pay to avoid the emails because the emails come from an algorithm. I find these practices to be deceptive and disturbing. I paid a large fee for this account and I pay interest. I should not be treated like my account is in collection.
Product: Checking or savings account

Ive been a loyal chime customer for quite some time but recently they sent me a two day notice that they would be closing my account. Now theyre has been no fraud in my account of any sort, my sister died a few days ago and I need my account but instead they are closing my account. When emailing and calling Chime no one could give me any reason on why my account is suddenly being closed which is ridiculous. I mean literally the support person told me for security reasons she couldnt tell me why my account was being closed but yet my account is being closed. Chime is a joke, please dont bank with them. I hear they are randomly closing a lot of accounts and oh its system generated so you have absolutely no control on trying to get it to stay.
Product: Mortgage

Truist ( simply one of the worst banks i've ever had the misfortune of working with ) cancelled my bi-monthly recurring payment without reason and without notifying me ( was scheduled for XX/XX/XXXX ). Additionally, they are not letting me make a payment at all ( says payment options are unavailable to me ). 

All I want it to be set up on recurring bi-monthly payments as their offering suggests, without them canceling payments behind my back and not letting me reschedule. So frustrating, I've never worked with a bank that makes it so difficult to PAY. Anyone that reads this please AVOID TRUIST BANK AT ALL COSTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Product: Credit card

DISCOVER received my notice to claim all rights, titles, interest, and guaranteed equity due to the Principal. They ignored instructions to transfer all bonds, coupons, certificates of indebtedness, and marketable securities bearing the Principal to the XXXX account of the Principal. Failure to complete requested transaction is a breach of your fiduciary duty as withholding access to securities of entitled persons is securities fraud. Please have a company agent contact me for confirmation of Principal 's XXXX information if unable to locate.
Product: Debt collection

Hi, Ally Financial has been calling me to say Im in the process of repossession for my car because Im behind 4 payments. I have receipts and tracking number for my payments from the month of XX/XX/XXXX-XX/XX/XXXX. As I am on the phone with the rep, they are saying Im behind since XX/XX/XXXX and Im catching up on whatever is late. I asked them can they verify the exact dates which ones are missed, they cant seem to give me the information. Instead the rep gets upset and ask if I can make {$1400.00} today. I hung up the phone and called another rep to see if they can help me. The second rep told me I owe {$2400.00} and that I was behind on whatever delinquent. Still no specific dates according to them that I missed. I will not make any payments until I find out what is missing and wheres my payments going to since I been mailing them through money order and express mail. I became frustrated because I felt like every rep I spoke to didnt want to help me, so I hung up the phone. Please help me out.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed an identity theft report with the FTC, naming an account with XXXX ( XXXX XXXX ). Despite repeated disputes and CFPB complaints and an ID Theft report, XXXX and EQUIFAX have failed to remove the tradeline, while XXXX deleted it promptly. XXXX has also not addressed the identity theft properly, continuing to report the inaccurate account without validating the alleged debt, in violation of the FCRA and FDCPA. Despite requesting a cease in communication, unauthorized reporting persists, causing ongoing harm to my credit profile and significant stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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
Product: Debt collection

1. I was residing in different city than the one provided for the origin of this account. 
2. The number one way Progressive validates an account is through a signature XXXX XXXX and Progressive has not done so. 
I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Act Validation of Debts must include What the money you say he owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say he owes ; Provide me with copies of any papers that show he agreed to pay you what you say he owe ; Provide a verification or copy of information Identify the original creditor ; Prove the Statute of Limitations has not expired on this account The original account was closed in 2008. 

Show me that you are licensed to collect in CA including you SOS FILING NUMBER.
Product: Payday loan, title loan, personal loan, or advance loan

I applied but they are not transparent with their lending process. I did not sign the loan... they sent an email requesting me to login to accept the loan. I clicked the link hopung to decline but the landing page promptly welcomed me with a message congratulating for the loan. I was never given an option to decline the loan after applying. They only let you see the loan terms after approving you, but they don't give an option to decline. I sent an email as indicated on the loan document they have on the site in order to cancel but they did not respond. I called them, they refused me the right to rescind, instead claimed to have already deposited the money, so I should only cancel after the deposit has come through. There is nothing in my bank account so I'm unable to cancel the loan. All this is happening less than XXXX hours of applying for the loan. I have attached the loan document they attached to the account.
Product: Credit reporting or other personal consumer reports

National Credit Systems is furnishing an account on my credit report with an alleged debt that is uncollectable due to the statute of limitations, and this account is to be removed from my credit report within 10 business days. The statute of limitations in the state of Texas is 4 years and should have been ceased as of XXXX XXXX. I have already informed this collection agency in the CFPB complaint XXXX. National Credit Systems stated that the original creditor contends that the debt is in fact owed. The alleged debt may be owed to the original creditor in which they still have to prove, but your company purchased this debt 4 years ago and it is past the statute of limitations therefore the debt is uncollectible, and the account is to be ceased and removed immediately. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice or I will move forward with legal action.