23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, I was the victim of telephone fraud. I was emotionally abused and harassed by someone pretending to be XXXX XXXX XXXX who told me if I did not pay the fines over the phone I would be arrested. I was harassed on the phone for hours by multiple people and finally paid the first set of supposed fines of {$2100.00} via Venmo per the scammer 's instruction. I shortly thereafter realized it was a scam and reached out to Venmo immediately to cancel the payment. The representative I spoke with confirmed that the payment went through on their end but instructed me to call my bank and cancel payment. I was concerned that this would not be sufficient since the payment was already made to the individual scamming me and that Venmo would try to come after the payment. They assured me that the best course of action was to cancel payment with my bank immediately since it was a scam and that they would not try and collect the funds from me. I spoke with my bank and they were able to stop the payment. Venmo then reached out to me again on XX/XX/XXXX saying that I owed the payment of {$2100.00} or my account would be taken to collections. I spent hours on the phone with Venmo regarding this with no resolution. It seems as if Venmo is now disregarding their own instructions ( attached in writing ) and instructing that I pay the funds otherwise I will be sent to collections. I believe Venmo should be working directly with the scammer ( since they have their phone number, name and probably some bank details registered with Venmo ). I was then transferred to a Account Specialist via email, you are unable to speak with the Specialists who review these issues over the phone. The Account Specialist continues to tell me to pay the funds to unfreeze my account but completely disregarded their prior instructions and seems to not take into account that this payment was made under fraudulent circumstances. I provided a police report number but they seem to have no interest in it.
Product: Mortgage

XXXX applied for mortgage on accepted offer with XXXX XXXX Guaranteed Rate Affinity who provided me options for first time homebuyers ranging from XXXX %. I specifically asked if I was eligible and what income was considered and she informed me I was eligible for XXXX. I went through the mortgage process and submitted all requested documents. I paid XXXX hand money, appraisal, inspection, title fees etc. I was set to close on XX/XX/XXXX. On XX/XX/XXXX I was sent a final disclosure with rate lock and documents. Reading the documents, I noticed the child support section was checked no when I do receive support- no one had ever asked me. I emailed them about the error, and submitted my court orders as requested. Turns out, days before closing, I do not qualify for any of the mortgages offered to me. Instead, I was offered a different program with XXXX  % that would cost an extra {$36000.00} over the life of the loan, or a different mortgage ( rate not provided ) that would be a similar monthly payment but require an additional {$11000.00} at closing. I am left with no options- either pay XXXX more than the estimate and rate lock or walk away and lose XXXX. With XXXX days until closing, I have no time to seek other options. This is negligence and needs addressed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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

Account number : XXXX ( XXXX  ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, XXXX  No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response. 
XXXX5 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: Credit reporting or other personal consumer reports

I have never did any type of business with this merchant and I have been a victim of identity theft I took the steps that were recommended. And what's strange is i never have received one letter from the merchant I'm requesting immediate removal from credit file
Product: Credit card or prepaid card

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to non-affiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for NAVY FEDERAL CREDIT UNION to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Product: Debt collection

On Wednesday, XX/XX/2021, at XXXX EST, I received another phone call from Willams & Fudge at XXXX. I had been receiving calls from this number over two weeks at least three times a day or more. I answered twice when the calls initially began, but the caller hung up, therefore I stopped answering thinking it was just another telemarketing company. When I answered this day, the representative spoke so quickly that I did not have a chance to collect his name, nor did he mention his representative ID/badge information. The rep mentioned the that the call was on a recorded line and that this was an attempt to collect a debt on behalf of a local college. The rep proceeded to ask how I would be taking care of the balance without asking if I were able to, nor offering any type of payment plans. He failed to initially ask if I agreed to the debt and my right to dispute or request debt verification. I mentioned that I would be unable to pay for anything at the moment as I am presently unemployed. The rep became intrusive and asked, " well, who is taking care of your expenses then? ". I respectfully stated that that information was none of his concern nor did it have anything to do with the reason for his call and to please take my number off the call list. The rep proceeded to say these words, " well, the calls are not going to stop '', and at that moment I told him that I knew my rights as a consumer in the state of Georgia. The rep replied that he would make note of my request. 

The mere fact that he boldly stated that " the calls would not stop '' immediately suggested harassment. Also, the fact that he asked " who was taking care of my expenses '' had now become an unconstitutional act towards my rights to privacy. He, and other representatives of Williams & Fudge, should receive more training on proper phone etiquette as well as keep in mind that consumers still do have rights and ethically speaking, we are still experiencing pandemic overlay.
Product: Student loan

I made a payment of {$1500.00} on XXXX XX/XX/2020 that I requested to be paid only toward a specific loan with the expectation to reduce the principal of only that loan. I noticed that Navient ( who handles my loans ) incorrectly split the payment towards two different loans that I have with them. I spoke to a Navient call center representative earlier this month and I was told that they would allocate payment ( s ) toward the principal of the loan I request once any unpaid interest is paid off, however that is not what Navient did with my request. I have read on the internet in several different news websites that Navient has malpractices for loan processing and the CFPB has been involved so I thought I would file a complaint here first for assistance. I am hoping for correction of this error as one of millions of people relying on the honesty of loan companies during the tedious process of paying back loans.
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : 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 information is inaccurate. And i have filed police report as well
Product: Credit card

I had multiple high-annual-fee credit cards with American Express, and paid the full annual fee recently. But shortly after I paid fee, American Express closed my accounts. I contacted them asking for a prorated refund of the fee and got denied.

Here are the cards that I paid annual fee and the date and amount. 
XX/XX/year> : {$250.00} to XXXX XXXX XXXX  XX/XX/year> : {$690.00} for XXXX XXXX XXXX  XX/XX/year> : {$670.00} for XXXX XXXX XXXX XXXX XX/XX/year> : {$640.00} for XXXX  XXXX XXXX XXXX All of my cards were closed on XX/XX/year>, so I should get partial refund for all of them. 
XXXX XXXX XXXX : $ XXXX = {$110.00XXXX XXXX XXXX XXXX  : $ XXXX = {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$490.00} XXXX XXXX XXXX XXXX : $ XXXX = {$520.00} Therefore the total partial annual fee refund should be : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report
Product: Checking or savings account

Wells Fargo closed my account without notification due XXXX ( customer info, specifically my address which I have had for 12 years for this account and at their bank ). I have a mailing address, they demanded I use my physical house address. I went to the branch and updated the address to my house address as they requested, they then re-opened the account but kept my money. {$17000.00} USD. When I asked them where my money was, they replied and said they sent the money via cashiers check to the original ( mailing ) address and not to my house. My mailing address is a protected locked mailbox inside a mailbox business ( XXXX XXXX ). No cashier 's check ever arrived. 
I went into the branch and was told there was nothing I could do other than to put a stop payment on their check for a {$31.00} fee and then must buy a surety bond for {$340.00} in case someone cashes the check. They said I could just wait 91 days and they could issue a new check. 

I asked why they could not just re-deposit the funds electronically, they just said they could not. I do not believe this. 
The account closure happened XX/XX/XXXX it is now XX/XX/XXXX with no resolution. 

Please keep in mind they could have just called or emailed me to change the address, but they chose to close the account without any notification. 

Wells Fargo branch is XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX Texas. 
The account is a small business account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car off in full in the amount of {$1200.00} on XX/XX/2019. This Company ( XXXX  XXXX XXXX ) has been knowingly reporting that my account is still open and past due. This unfair and incorrect reporting is hindering my from buying a house. I have alerted the company several times on this matter and they have not taken any action to correct this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Harris & Harris LTD {$400.00} Account # XXXX. This collection agency is reporting inaccurate information to the credit bureaus. Ive sent a validation letter and now sending again through cfpb. I need answers on why an open account that doesnt belong to me is reported as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters out to the XXXX bureaus regarding inaccurate information and they have failed to respond. XXXX XXXX failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with asset care. there is also XXXX other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX  please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ), XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
XXXX XXXX XXXX Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX Accounts in XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXDespite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

I filed a dispute with Credence who now collects on the debt and they responded saying that the debt was verified but gave no indication a to why I owed that amount. XXXX sent me a bill totalling over {$1000.00} but the bill says that the lines were cancelled and satisfied. The amounts do not add up and I was told I did not owe anything after I cancelled my lines as I was no longer under contract. I do not own XXXX or credence anything and I would like it removed from my credit report as I also believe it is beyond the statue of limitation for collection.
Product: Debt collection

This company did not validate the debt via my request. They need to validate the debt with everything thats requested in dispute documents.
Product: Debt collection

During the time I had XXXX the services continued to be disconnected during weather the internet phone and cable continued to stay off I got so frustrated I returned all equipment and waited for a credit due to the services being more off than on. They advised once I return it I would receive a credit as of today 's date that has never happened. All equipment has been returned as I was advised but XXXX never gave the final bill nor the credit that they advised that they would for their services being more off than on.
Product: Credit reporting or other personal consumer reports

I can't verify my identity with Equifax or XXXX. I have no trouble with XXXX. I can't even get credit score or report. Is my credit frozen with them or something
Product: Credit reporting or other personal consumer reports

My credit report contains errors related to 15 USC 16c-2, specifically unauthorized hard inquiries. These are harming my credit score, and I request their immediate removal.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several inaccurate accounts on my credit reports that I didnt give authorization or permission to open