23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a Fraud. They Illegally closed out my credit card account in XX/XX/XXXX with Milestone and damaged my credit report time and time again. I reached out to XXXX in an attempt to make an agreement and XXXX XXXX engaged indenial and told me the card was closed because a debt management company that represents me requested the account be closed. Thats the furthest from the truth. 

So, on XXXX I spoke with XXXX XXXX XXXX XXXX phone to find out what had happened, and they specifcally told me they DID NOT request an account closure. However they did tell me that they had not represented me since XXXX and that they negioiated a deal with XXXX XXXX on XX/XX/XXXXXXXX  and they told me that XXXX XXXX agreed to a new deal which in return was ( 1. Stop all Late Fees, 2. No Interest to be Charged, 3. Stop Overlimit Charges, 4. Agreed to a $ XXXX  Monthly Payment ) there was no mention of closing the account down. 

I tried in good faith to establish an agreement with XXXX XXXX for me to pay my debt off in 4 easy payments in return for removal of the bad credit files in which they illegally reported to the Credit Bureaus violating the agreement they made with the debt management company. But instead of establishing professionalism they placed me on hold where a few minutes on hold someone picked upnand then hung up the call. Totally Disrepectful and Uncalled For
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the provider to provide validation of the debt I owe and never received one. I even ask for documentation from Fair Collections and Outsourcing where is stating that I owe the debt and nothing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This complaint is against XXXX XXXX Account # XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX XXXX and me. 

Furthermore, I am requesting that XXXX XXXX provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving XXXX XXXX 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. Additionally, I am requesting that my credit utilization no longer be reported to the forementioned consumer reporting agencies as it is illegal to share my transaction history. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.
Product: Checking or savings account

The ATM shut down at fifth third bank XXXX XXXX XXXX XXXX XXXX fl XXXX and did not dispense my cash, yet my account was charged XXXX dollars. This is my home branch and I pull the same amount from this ATM once a month. I opened a dispute and the funds were credited to me. 45 days later they reversed the credit. I asked for them to review security footage and was told they don't have any due to the machine being down. I received a letter stating the ATM was balanced and thats why my claim was denied but was told by a rep it was XXXX dollars short. They can not show me any evidence that I received funds. I contacted the teller XXXX while in the ATM drive through line to inform of the malfunction before I filed for the dispute. Now they have told me it will take an additional 30 days to conduct another investigation. I call daily to check the status and get different information every time, sometimes they even hang up on me. Camera footage would prove I did not receive funds and conviently they do not have it. They have no proof I received funds whatsoever but still hold me accountable for a malfunctioning machine. Seems to me I shouldn't have to prove my innocence, it should be the other way around. Never in my life have I been so upset with a bank, they have in fact stolen XXXX dollars from me and have no evidence whatsoever of anything otherwise.
Product: Credit card

I have Wells Fargo XXXX XXXX card ending in XXXX. XXXX transactions of {$23.00} I wanted to dispute on XX/XX/year> and XX/XX/year>. I can not do it online so called Wells Fargo. Told them everything and was transferred to dispute analyst. 
But i was told that as part of master card agreement, disputes can only be created in the first 120 days. I don't see this as part of card member agreement or any FYI. 
Moreover representative can not provide me this information. 

I remember few years back, I wanted to have a dispute for XXXX credit card issued by Wells Fargo. Wells Fargo gave me tough time. I need to open CFPB complaint and then it can be done. 

This merchant is not providing any service to me and voided the contract. I have the entire write-up that i have created and providing with this complaint. Already Attorney general of TN is being reached out.
Product: Vehicle loan or lease

purchase vehicle in XXXX 2023 the car transmission had to be replace in the first 30days the company fix problem but car continue to have issues accelarating it would not move at stop light and was very unsafe I report problem to finance company and car warrant dept. no one could fix car. I did not feel safe in car and in XXXX asked company to take car back and work with me to resolve matter. Car was repos but never sold because it is not functionable. Now company reporting negative on my credit report.
Product: Credit card or prepaid card

Friday XX/XX/XXXX {$790.00} Purchased concert tickets through XXXX by phone. 
Concert date was XX/XX/XXXX. 
Used Discover credit card to pay. 
Realized shortly afterward I was charged unreasonably. 
Tried to cancel transaction through Discover and they told me I had to wait for it to post and then file a dispute. 
Received temporary chargeback which was then ruled in the merchants ' favor. 
On XX/XX/XXXX I still had not received the tickets. 
I have emails to prove I reached out to both the merchant and XXXX ( whom the tickets we to be delivered electronically ). 
The day after the concert XX/XX/XXXX, which I never received my tickets from XXXX, I contacted Discover again to file another dispute on goods not received. 
XX/XX/XXXX I received a call from an XXXX at Discover informing me that they accepted the merchants paperwork as proof the tickets were delivered and that this was the end of the line as far I could go to seek reimbursement. 
I don't understand why my written documentation and proof that I had followed all the steps to receive my tickets to no avail is being refused and the merchants sloppy supposed proof is accepted instead. This is so wrong that the almighty dollar can cause such corruption to happen without penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute in regards of the incorrect information on my credit report. It has well been over 30 days and yet havant received any status of investigation or results.
Product: Debt collection

Cfpb Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Account Ending in XXXX AND XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Texas, XXXX Account Ending in XXXX XXXX : These two companies are harassing me illegally Dear CFPB I have responded numerous times to these two companies. They are bullying me over a XXXX bill that they illegally put on a fraudulently solicited credit card. They have now responded for about the fifth time that they consider this to be a valid and collectible debt, although they claim they no longer have the documentation to prove it. I have explained the entire ridiculous story to them over and over complete with photos, names, dates of conversations. Yet, they still keep adding a usurious of XXXX late fee, and XXXX of interest. The total bill is now up to about {$400.00}. On the first page of the bill, it says XXXX for purchases. On the second page, it says I am being charged interest on purchases of XXXX. That does not even make sense. They are hounding me on my cell phone, during work and evening hours. Every time I block them, they call me from another unknown number. These bullies need to stop. I have researched them, and discovered within minutes, that these tactics have been reported numerous times. I need help getting these unscrupulous, illegal tactic using bullies off my back. I have XXXX, and they are triggering it. I hope I dont end up taking them to court. 

If they have good reason to believe that I am responsible for this debt, they need to mail me the documents that make them believe that. They need to report to all three credit bureaus that they have made an error, and stop harassing a senior citizen school marm! I HAVE the records, and have PROVEN that they ARE WRONG! 
THIS IS ILLEGAL!!! 

They need to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt.. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Product: Money transfer, virtual currency, or money service

Cash App allowed someone to access my information and complete 347 unauthorized transactions totalling XXXX out of my XXXX XXXX account. I've submitted 2 claims with XXXX XXXX and they denied both. I've filed a claim with cash app and they literally hung up on me. They denied my claim through email. Starting in XXXX of XXXX  I had Sim card issues with my smart phone. XXXX XXXX stated I had a compromise Sim card and had to replace it. I totally believe this is why my information was compromise. When I notified Cash app of the tran, they sent me the wrong email information. I can not afford to walk away from this amount of money.
Product: Student loan

On XX/XX/XXXX, XXXX XXXX announced widespread Federal student loan forgiveness for students who attended XXXX XXXX schools due to the rampant school misconduct and fraud that the for-profit schools committed against the attendees of these schools. On XX/XX/XXXX, I applied for forgiveness of my private student loans due to my school ( The XXXX XXXX XXXX XXXX ) conducting misconduct by filling out the form supplied to me by XXXX. My private loan was then transferred to Mohela for servicing, effective XX/XX/XXXX. On XX/XX/XXXX, I received a message that Mohela needed a signature for my School Misconduct forgiveness application. I supplied the requested signature that day. On, XX/XX/XXXX, I received a notification that my application for loan forgiveness due to school misconduct was denied. I called on XX/XX/XXXX to find out why my application was denied and was told that the reason was XXXX to Mohela and I could send further supporting evidence for my case to have them re-assess my application and gathered that evidence and sent it in on XX/XX/XXXX. My loan is now entering repayment and I am struggling to pay the bill. 

I have been unable to financially support myself and my child since graduating in XXXX and having this private student loan go into repayment. My son is on the XXXX spectrum and requires extra supervision. I have lived with my parents in their home since graduating from college with my XXXX XXXX XXXX. Luckily, I have been able to find work that is able to cover the astronomical payment amounts required by XXXX XXXX but I have paid well over the initial loan amount. 

Original loan amount : {$21000.00} Payment amount : Approximately $ XXXX Months since Repayment Began : XXXX Amount Paid : At lease {$51000.00}, including extra payments I have made Current Balance : {$10000.00} XXXX XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX does the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 
Link to XXXX XXXX 's XXXX : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Product: Debt collection

Company XXXX, XXXX  are trying to collect a debt that has been fraudulently sold around two times by Kohls with no evidence that I owe this debt. I have asked for validation by way of contract because I do not owe are remember this debt. Kohls is also attempting to collect the debt by Reporting it and damaging my credit to the Credit Bureaus. And must cease and desist all attempts. 
I have attached a validation of debt letter to the response of XXXX, XXXX  validation request which was dated XX/XX/2020.
Product: Debt collection

I noticed this reported as a collection on my credit report. I sent a certified letter with signature to the company on XX/XX/2022 for them to verify the debt. I haven't heard anything back from them.
Product: Mortgage

I asked New Rez why they are not reporting our payments to the credit reporting agencies. They said that since I have not reaffirmed the loan they don't have to. They are making credit more expensive for me and my husband.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. 
Please delete these items listed below IMMEDIATELY! ADDRESSES, EMPLOYERS, INQUIRIES, COLLECTIONS These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) 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 behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX. XXXX XXXX
Product: Vehicle loan or lease

I am asking for this company regional acceptance to understand, I left my job due to XXXX of XXXXXXXX XXXX and having to raise grandchild. I found a mediocre job but had trbl paying- I started another job, better paying. i Started to resume payments - The problem is this, regional makes more then 3 calls a day - I can not answer the pbone during the day. Yesterday they called my boss cell phone - I put in writing to them to stop calling. - b4 losing job i made faithful payments for 4 yrs straight - one operator XXXX there is being too aggressive with the calls and told me she has a right to call. I made a XXXX payment last night ( borrowed $ ) and she called 5 minutes aftr payment and said she needed more - this has become so stressful i cant function- i have XXXX left on loan - just took second job at XXXX XXXX im so worried regional will be the reason i lose this job - from harassing calls- please help
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT- Ally Financial reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted Ally, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting. 

Payments due on the 30th of the month XX/XX/18 - Payment made- ( XXXX  showing late pay for XXXX ) XXXX Vehicle was STOLEN XXXX Vehicle was declared total loss by insurance and notified Ally about the payment and Gap insurance At this time Ally sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XXXX Contacted Ally to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed. 
XXXX Car Payment cleared from bank ( XXXX showing late pay for XXXX XXXX Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, Ally reported to XXXX  last payment was XX/XX/XXXX- 30 days late pay for XXXX Ally reported to XXXX last payment was XX/XX/XXXX- 30 day late pay for XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX / XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Closed Account off my credit report immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove or Block Adverse Information from Experian Credit Report Pursuant to Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request the removal or blocking of adverse information from my Experian credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a XXXX XXXX XXXXXXXX, I am entitled to this protection, which requires Experian to remove or block adverse information within four ( 4 ) business days upon receipt of my documentation. 

To support my request, I have enclosed the following : 1. A self-attestation letter, signed by a government AntiXXXX Task Force, confirming that I am a XXXX XXXX XXXXXXXX. 
2. A copy of my government-issued identification documents to verify my identity.

3. A letter explaining the specific adverse information on my XXXX credit report that is the subject of this request. 

As per Section 605C, XXXX XXXX XXXXXXXX  are not required to provide evidence beyond a self-attestation letter signed by a government entity. Experian must comply with its legal obligations and promptly remove or block the adverse information. 

I respectfully request that the CFPB ensure Experian processes my request and confirms the removal or blocking of the adverse information from my credit report. Please contact me at the above-listed phone number or email address if you require additional details or need clarification. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to protect my rights as a XXXX XXXX XXXX 

Sincerely, XXXX XXXX