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

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Georgia Dear AMERICAN EXPRESS, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The inquiry shows that on XX/XX/XXXX, a hard inquiry was made. This is a hard Inquiry and hugely affects the good standing of my credit account. Please remove this inquiry from my report as I have no knowledge of it and dont see an account that its connected to on my report. 
I have attached a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a XXXX savings account on XX/XX/2021 and funded it with {$25.00} as part of a broader promotion paired with a checking account I also opened that day. 

XXXX was acquired by PNC and sent me notice while I was away on holiday that they were consolidating to the PNC web portal. 

I got a paper bill from XXXX saying the account had gone to a negative balance - $ XXXX due to a paper bill fee I never agreed to when signing up for XXXX, and for an unspecified 'service fee ' I was unable to gain access to my PNC online account for days due to technical issues on the server ( which eventually resolved themselves ), and then was disconnected or re-routed endlessly when I tried to contact PNC via phone. When I did speak to one rep, she could not see the charges nor explain what they were. 

I now have a negative balance account due to these charges, without context on why.
Product: Debt collection

We have service from XXXX XXXX XXXX, canceled service. They were supposed to send us a box to return the equipment. That never happened, I called them back and was told just to box us and return equipment. I returned equipment and once they verified that they received it, was told that we were outside of the window to return so we would have to pay for no return of equipment. So they kept the equipment and want to charge me.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did no fix nothing. They are breaking the law. 
According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So i then asked them to provide me a description of the investigation according according to 15 USC 1681 i ( 7 ) : Description of reinvestigation procedure. 

Thank you
Product: Checking or savings account

Navy federal seems to wait for my bank account to get low before processing my expenses. Resulting in overdrafts fees. {$29.00} each time!!
Product: Mortgage

LOANCARE LLC TELEPHONE NUMBERS DO NOT WORK, I have tried to contact them via XXXX for ( 3 ) days after receiving Priority Mail 2-Day USPS!! 
I have also sent in other complaints for them XXXX contact me over the last 15 months over my concerns about Forbearance during the XXXX Virus Scam on the World. I will also be contacting the State Attorneys office over no communication from loancare via phone conversation vs email & USPS snail mail. 
The biggest scam since the Great Recession of XXXX! 
Any Corporate Institution affecting consumer credit, and reporting this disaster is going to ensure a rise up from consumers lead by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i have try to remove this this is a fraud account
Product: Bank account or service

This is XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX WI. We have XXXX cd 's representing XXXX clients that have irrevocable funeral trust agreements with us that Chase Bank, XXXX XXXX XXXX XXXX, XXXX WI has sent the funds to the WI Unclaimed Property. We have made an effort with the Unclaimed Property people and they say Chase Bank has to file paper work to recover the funds back to the bank. The people at Chase Bank are unwilling to cooperate with us. 
Is there anyway you can encourage them to cooperate. This is not fair to the families that have entrusted Chase Bank to safeguard their funds for their funeral services. 
This whole issue has happened with our funeral home and Chase Bank in the past. This is the first time they refuse to assist. They evidently no longer wish to have irrevocable funeral trusts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX IN # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.
Product: Student loan

In XXXX of 2024 I submitted a student loan consolidation application for my PSLF. During the consolidation process the loans were transferred from XXXX to Aidvantage. My consolidation application stated my loans return to XXXX after consolidation for PSLF purposes. XXXX XXXX  has not transferred the loans. Aidvantage has requested I make payment on the loans. The loans in question meet XXXX requirement of XXXX payment. Furthermore I received a letter from the XXXX  administration stating my loans are forgiven based on my PSLF status. Since XXXX of 2024 I have reached out to Aidvantage about my loans returning to XXXX. XXXX XXXX  has not transferred the loans or provided me with a reason for refusing to transfer the loans.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to get this corrected without response. I feel as if I am not being taken seriously with the Bureaus. Please assist me in this investigation. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Section 609 : Allows you to request debt validation from credit bureaus. If they can not verify the accuracy of an account ( including collections or late payments ), they must remove it. Section 611 : Gives you the right to dispute inaccurate, unverifiable, or outdated information. Section 623 : Requires creditors and collection agencies to report only accurate information. If they report incorrect details, you can demand removal. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. Protects you from unfair debt collection practices. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I bought crypto specifically XXXX for XXXX. It went thru and i tried sending it to mt wallet and noe it say its restricted. I sold it. XXXX tried to deposit it back to my bank account and it wont let me because they restrict it.
Product: Credit reporting or other personal consumer reports

I respectfully request further clarification regarding the process used to verify this account. Specifically : Payment status and payment history Date last active Date last reported Date opened Verification Details : Please provide documentation and evidence used to verify the account, including the name of the creditor ( s ), account numbers ( partially redacted if necessary ), and any supporting records.

Compliance with FCRA : Kindly confirm that the verification process fully complies with the Fair Credit Reporting Act ( FCRA ) and outline the specific steps taken to investigate my dispute.

As you may know, under Section 1681n of the FCRA, you may be liable for damages of up to {$1000.00} per account if it is determined that inaccurate or unverified information is reported negligently or willfully.
Product: Mortgage

This is my complaint regarding the unprofessional and rude behavior from Mr. XXXX XXXX. He treated himself as the boss, and was very unprofessional after seeing my offer from another lender. I have attached the email chain for your reference. 

XXXX XXXX Division President, ID, MT, WY, NV NMLS XXXX Primary Residential Mortgage NMLS ID XXXX XXXX XXXX XXXX XXXX XXXXy, XXXX XXXX XXXX ID, XXXX XXXX O XXXX C XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked XXXX, XXXX, and Equifax to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.
Product: Checking or savings account

On XXXX XXXX I was charged twice on the XXXX app. The first charge was for {$130.00} and the second was for {$140.00}. On XX/XX/XXXX another purchase was attempted for {$260.00} but luckily I was hyper vigilant at this point and was able to cancel it before it processed. I contacted my bank and XXXX as soon as I noticed the charges on my account. The bank issued a temporary refund and processed a claim. XXXX had told me there was nothing they could do because the order was processed through a third party on their site. 
The bank later declined my claim due to a tracking number. This occurred in XXXX. I was instructed to contact XXXX ( which I did ). XXXX again told me they could not help me because at this point it was past window. 
I went to my post office who informed me that the packages were delivered to another address. The post office provided me with a letter stating this and I submitted the letter and all correspondence with XXXX to my bank. 
My bank has once again declined my claim. 
They stated I approved the claim and that the CVV code was provided. The CVV code was available because my card information was saved to the XXXX website because I would sometimes do curbside orders for groceries.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

i had a XXXX balance Fortiva credit card from wayfair. 
I received an alert from XXXX that my credit score had decreased XXXX points due to Fortiva closing my account. They then opened a Fortiva Retail Credit Mastercard under my name without my permission or signature. so i got hit on my credit with closing and opening a new account. Which was a decrease on all 3 bureaus for something that i did not do or even authorize. I contacted Fortiva as i did not give authorization for any of this and asked to see where i signed to do this. Their response to me was that they had emailed me on XX/XX/23 and i had an option to opt out until XXXX, because their was no response and i did not opt out ( BECAUSE I WAS NEVER EMAILED ) They closed one and opened another one. How is this legal th=at they can do this to someones credit? I have included our email correspondence below.
Product: Checking or savings account

I opened my Capital One 360 Money Market account through a promotion code ( " XXXX '' ) that promised a {$500.00} incentive for depositing {$50000.00} before XX/XX/2018. I completed such deposits on XX/XX/2018, but did not receive the bonus as Capital One has responded that the deposit must be a single deposit even though the terms sheet for the promotion did not specify this. In fact, the terms state that " Deposits [ plural ] must be from another bank '' and there was nothing in there about the account having to reach a {$50000.00} balance. My account reached a maximum balance of {$26000.00} during the promotion period but it **did** have more than {$50000.00} in deposits from outside banks as required by the promotion. However, Capital One has failed to make good on the promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan was paid off in full and the other 2 credit agencies show no debt or balance pay charge off. It is clear from their reports. Trans Union shows there is a balance of {$470.00} and it should be {$0.00}.
Product: Credit reporting or other personal consumer reports

Ive Sent Letters and made calls to each credit reporting Agency and none gave me full relief. Ive gotten hung up on numerous of times & I want justice.
Product: Credit reporting or other personal consumer reports

My credit score dropped over XXXX points over a week period for one account separated out into 4 different accounts with Aidvantage. Payments became due unaware to me 4 months ago. I was not notified correctly and I am paid up to date now. We were attempting to buy a second property and my credit was pulled a few weeks ago with a credit score over XXXX and now it is XXXX. We immediately made payments yesterday but this has now affected all of my credit and may lose my job due to my security clearance. Aidvantage said they notified me via email but I did not receive them, and I received no call, text messages or direct mail. I've reached out to Aidvantage and they only said they were sorry and that they emailed me notices, which I did not receive. I contacted XXXX and XXXX today and filed complaints. I was unable to contact XXXX as their site was having issues.
Product: Credit card or prepaid card

I have previously submitted a fraud claim to Navy Federal Credit Union for all of the transactions that were charged to my credit card between XX/XX/XXXX - XX/XX/XXXX totaling {$27000.00}. For NFCU to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a submarine in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX  during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXXXXXX XXXX XXXX XXXXo suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from NFCU and allowed her to change my passwords all while pretending to be me. She also did this with my XXXX accounts. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from NFCU ( SMS code XXXX ) were received on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a XXXX XXXXXXXX / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and with this new information that I have provided both XXXX XXXX and XXXX XXXX Department Store has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft, which has resulted in several unauthorized activity on my report. I never got a joint loan with XXXX XXXX and I'm a victim and I did not sign or consent to this
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX Bank of America XXXX This is further complaint and follow up to the above indicated reference numbers. 

Bank of America and XXXX keep ignoring my requests backed up with the laws concerning placing inaccurate informations on my credit report harming my personal credit in making financial decisions. Bank of America and XXXX keep violating my consumer rights and the following laws : 15 USC 1681 Section 604A Section 2.

15 USC Code 5 1681b.

15 USC 1681 Section 602. 
Thus, Bank of America and XXXX both challenging the LAWS of consumer protections and both act in defines in providing adequate action to remove inaccurate and NO proofs ( written ) by consumer. On this occasion I the consumer lend a final demand for the Bank of America and XXXX to REMOVE inaccurate information from my report and I seek to use the LAW : 15 USC 1681n {$1000.00} each.
Product: Mortgage

Dear CFPB, Please help me CARRINGTON MORTGAGE refuses to help me modify loan because they said is not on their best interest to help me keep my home. CARRINGTON MORTGAGE requested for my full application around 3 different times and now they are telling they are not going to review my application because they don't feel like it. 

Please help!!! all I'm asking is for help to keep my home.