23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Dear sir/madam, as I was going through my credit report onTransunion few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX XXXX XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received the results of my investigation from Equifax under confirmation number XXXX. On page 4 of the 42 page report underneath THE RESULTS OF OUR INVESTIGATION, it states that the disputed address of XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been deleted. It also states that the inquiry for XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX has been deleted. However, these items are still being reported on my credit profile and underneath my social security number with Equifax.
Product: Money transfer, virtual currency, or money service

I applied for this remote job on XXXX as a Personal Assistant to the XXXX XXXX XXXX XXXX XXXX XXXX. I received an email stating that I was qualified and chosen for the position. Since it was a remote position, i had several email interviews. On XXXX XX/XX/2022, the CEO ( XXXX XXXX ) hired me and told me that i will receive work instructions through text messages. 

First he texted me and told me to go to XXXX and buy a pack of business checks, then he emailed me a XXXX  check to print and deposit in my bank account as my salary and funds to set up my IT interface for work. The same day I deposited the check of XXXX XXXX my WellsFargo Savings Account XXXX {$400.00} was immediately available. He instructed me to go to XXXX and buy XXXX gift cards and load them both with {$200.00} each and send photos of them to him with the receipts. I thought it was apart of the work and since the bank cleared the funds, I thought it was legitimate. 

The next day XX/XX/2022, the remaining balance of the check was cleared in my bank account. He had me wired {$2800.00} to the company 's lawyer bank account in XXXX XXXX 
Lawyer Banking details : Name : XXXX XXXX Bank : XXXX Account No. XXXX XXXX XXXX. XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my bank account went into overdraft because, the check was deem fictitious and my bank returned it. Funds were pulled from my savings account to compensate for the moneys I used, since the check was fraudulent and returned. Needless to say, my bank charged me for the check returned. 
I reported it to my banks customer service center last night, when I received an email saying that my savings balance is below {$0.00}. 

I have text messages and emails for proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
{ dispute_item_and_explanation } Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Student loan

I have written to Navient requesting a single contact in which to send payments for Unpaid interest of {$4400.00} only. I do not want these payments to be considered as " overpayments '' because my debt will not be cleared as timely as I would like. This account has existed since 2005, over 15 years. Navient wants the debt to continue for another 17 years with monthly interest exceeding {$250.00} monthly. 

According to their instructions " you can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. We can not process instructions written on the check or remittance slip. '' Navient has chosen to not respond directly to me ; therefore, I must ask for the CFPB 's assistance. This account is paid without a remittance slip or paper check. It is paid via electronic transfer. I am acting in good faith with this request for a single point of contact to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  appears to be a charge-off account with a specific balance of {$12000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was not reported other Bureaus. As per FCRA, the XXXX and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Mortgage

I 've had my house for 10 years now, I have XXXX mortgages and the XXXX was sold to OCWEN. I 've been paying them on time for years and XX/XX/2016 they sent me a letter stating that since the market rates have risen that so will my monthly mortgage payments. My rate was 3.875 % and OCWEN is raising it to 4.125 % but for some strange reason my payments are going from {$800.00} per month to almost {$1600.00} per month. I told OCWEN that that 's ridiculous and that I ca n't afford it since I 'm already struggling with this payment and other bills. I applied for a loan modification and they finally got back to me stating that I make enough from my monthly gross income & my 401k savings to be able to pay them. Now I see why I 've seen so many complaints about OCWEN that they 're just a call center full of money hungry crooks. I pray XXXX will deliver me from these XXXX and send me to a real mortgage company so I can keep my house.
Product: Credit reporting or other personal consumer reports

I AM A XXXX  FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE XXXX  THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HSITORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Product: Debt collection

I got to know the debt on my credit line of {$330.00} ( which I had no idea of, and a debt I did not have ) from XXXX that I owe LVNV Funding ( XXXX XXXX  XXXX ). I raised disputes through XXXX, XXXX and XXXX. Although my XXXX credit got resolved through the dispute, the collection account has not been closed. I have no credit cards from XXXX as I only XXXX credit lines from XXXX and XXXX. I feel this is a fraudulent activity on my credit line and I would request you to look into this case as soon as possible as this is affecting my credit score and credit line. Attached in the complaint is the XXXX Report generated as of today ( XX/XX/2022 ) for accurate info on my credit.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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  have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  stole money from my card and when I contacted them, they just gave a response stating the purchase doesn't meet with their policies and refused to refund me even though in the first place they do not have any authority to keep my money, I'm requesting CFPB to file class action lawsuit against this company and refund my charge : XXXX
Product: Credit card or prepaid card

Previous Complaint # XXXX with CFPB I previously raised the issue of not being able to link my debit card to my account. The company responded and in the response the Serve indicated that they have resolved the problem. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with non-monetary relief Company 's Response We have completed our research and have attached a copy of our response for your review. 
DESCRIPTION OF NON-MONETARY RELIEF We removed the restrictions preventing the debit card link. 

As of today XX/XX/2021 I still can not link the debit card due to this restriction. The representative stated the EXACT same script they gave me initially regarding the problem. Which is to state " you can no longer link a card to your account '', and the notice states to not discuss it with you. Etc. 
Once again I am reaching account to Serve to see if they can properly fix the problem as this account was NOT the subject of any fraud or other misuse as stated in the previous complaint. 

Serve you have to do better with your customer service. Beyond poor service, very demeaning representatives and a POOR reflection of the brand that services a certain socio-economic class of people. As I stated in the last message, it appears that the brand does not care to service its core customers properly.
Product: Mortgage

I filed for bankruptcy many years ago. I keep getting letters in the mail telling me about debt collection methods, but to ignore if I filed for bankruptcy and the discharge was in bankruptcy. It was in my bankruptcy, why do I keep getting these letters?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PayPal and XXXX XXXX  kept removing funds unauthorised. I lost a ton of money due to fees. Its complicated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX
Product: Debt collection

The company was Coastal Financial Solutions who continued to call. I initially did n't recall the debt ; however, after a few minutes of research on my bank statements, I found verification. I made two honest payments on my account, which I stopped making due to financial constraints. 

There was claim by Coastal Financial Solutions that they had made numerous attempts to contact me, which I never recalled receiving. We took the payments off autopay and genuinely forgot about the debt. 

On XXXX XXXX, 2016, I received several consecutive calls from a person representing Coastal Financial Solutions, who DID NOT state that this was an attempt to collect a debt and all information would be used for the purpose. He also stated that if it was n't resolved then it could be considered a felony and possible jail time. I was then transferred to the supervisor who said the same thing. Then the call was disconnected. I have received no correspondence from XXXX, nor have I received any correspondence from Coastal Financial Solutions. I have n't received any summons to court or any legal documents. 

When asked to receive correspondence by mail, they refused, when the law states they must send written correspondence within 5 days. They considered my request a refusal to pay. They said that my lack of recollection was considered a refusal to pay. 

After a few minutes of researching bank statements, I recalled that I did, in fact, take out the loan and I am responsible for it. I called them back and spoke to the same supervisor, who said he would send a settlement agreement of approximately {$790.00} by XXXX on XXXX XXXX, 2016 through e-mail.
Product: Money transfer, virtual currency, or money service

I was supposed to close on a home. 
I called into Marcus by Goldman Sachs to transfer {$24000.00} back to my original XXXX  checking account so that I could close on my home. 

On XX/XX/XXXX, I called into their helpline and initiated the wire. They told me it would take 1-3 business days. 

By the XXXX the money had still not arrived. When I called in, they said there had been some sort of internal problem and they had to redo the wire. 

I have called in over 8 times, spoke with multiple supervisors, waited hours and hours on hold and was hung up on more than 3 times. 

They could never even provide me a federal reference number or a IMAB number. 

I would speak to different representatives and each would say the wire was in different stages- some said it was in review, others said the review was complete and money should arrive any minute. 

Since I can not close on my home without this money, I am going to lose {$10000.00} earnest money. 

On XX/XX/XXXX I was told the second wire failed and they would need to do it a third time. 

I am desperate for help. My mortgage is final approved and I just need access to my money or I lose my earnest deposit. I have already paid for movers and cancelled our lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$3200.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX XXXX XXXX XXXX  XXXX {$53.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) XXXX {$0.00} 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 ). I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights
Product: Credit reporting or other personal consumer reports

Violation of Title 4. TRUTH IN LENDING violations, misuse of report and violation of title 4. Credit score is not accurate and no positive information exists on report I am at age of Majority and of a sound mind Denial of credit is violation of title 4 and all reporting agency or data furniser do not have concent to use or share my private information permanently thats for any and all information personal identification data Report must be fair and equitable!
Product: Vehicle loan or lease

Received a car XX/XX/19. One month later XX/XX/19 financial manager said to return car after bank withdrew my loan. After being welcomed by the bank one week after XX/XX/19 I went in again to sign another loan with an additional increase of {$50.00} for the loan and signed another sales contract. I highly suggest that you get approved before driving off the lot because this dealership is not right. Ruining my credit and inquiries. These all need to be removed for my own good!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect {$5200.00} on a PayPal account that has been dormate for over XXXX year 's this exceeds GA statue 's of limitations of over XXXX  year 's.

I was unaware of this for the past XXXX  year 's and received no notice until now, I've checked my credit report over the past XXXX year 's and nothing was posted on my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent to XXXX XXXX on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from XXXX stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.
Product: Debt collection

I was involved in an accident on XX/XX/scrub>XXXX XXXX XXXX The other party ran the stop sign and I did not have time to avoid the accident. As a result, I hit the car that illegally ran the stop sign. USAA paid the damages to their customer to fix their car. Later, USAA made an attempt to collect the money from me. I wrote a letter denying any fault in the accident because the violator was the negligent party. USAA forwarded the loss they incurred to the XXXX  XXXX, XXXX branched in XXXX, IL. Currently, afni is attempting to dubiously collect the loss from me, which the loss was a result of negligence by USAAs customer. I will be categorically denying this claim and I will address this issue with afni via a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud alert placed on my credit report XX/XX/XXXX. 

Called Transunion to report fraudulent reporting of inquiries on my account. I received no calls from creditors to verify the disputed inquiries as instructed in the alert. 

Inquiries as follows : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My credit report and personal information has been exposed and manipulated due to the XXXX Data Breach. 

I have the following unauthorized and fraudulent hard inquiries posting to my credit report, as well as a collection account that I have no knowledge of. 

Please make sure that these accounts are removed due to identity theft and fraudulent activity from my credit report immediately. Thank you! 

Hard Inquiries 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 Please have the credit reporting bureaus remove these fraudulent items immediately. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Alert from XXXX on my credit report from CITIBANK on XX/XX/19, they said I had to contact Citi in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, CITI did it. I did not request it. 
They are saying they will not remove it!!
Product: Credit card

Around XXXX XXXX I took out a loan with affirm to pay for a XXXX purchase and it totaled XXXX which this includes XXXX apr. I was paying off the loan paying XXXX per month. On or about XXXX XXXX I returned my item back to XXXX. At that time I already made a few payments which my balance was at {$490.00}. on XXXX XXXX XXXX sent me an email saying they have refunded me {$1000.00}. I also received an email from affirm XXXX XXXX saying my account was credited XXXX and I now owe {$0.00}. When I log into my affirm account I did not see the credit or that I had a {$0.00} balance so I contacted them on XXXX XXXX and spoke with XXXX and I was told to check my bank account but when I did I was not sent the entire amount that XXXX refunded me to total the {$1000.00}. In my account ending in XXXX I was credited {$370.00} and my account ending in XXXX I was credited {$140.00} with both of those accounts together only total {$520.00} which leaves XXXX unaccounted for and affirm is now saying I still owe them. They took the remaining of my money and is not reporting it and trying to make me pay them twice.