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

Hello I called XXXX demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My Synchrony mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XX/XX/XXXX. That account was taken out in XX/XX/XXXX. Starting in XX/XX/XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with XXXX XXXX and XXXX where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. This is putting my livelihood at jeopardy because I'm not able to do things that a credit check is needed for.
Product: Money transfer, virtual currency, or money service

Money was taken out of my account through Zelle and I wasnt able to get any refunds. This happen multiple type on different occasions I want to file a report.
Product: Debt collection

Last fall the XXXX XXXX XXXX ( XXXX ) and the law firm of XXXX requested that my wife and I execute a written joinder and consent form that would help the ( XXXX ) revitalize their governing documents that had been extinguished by the state of Florida. We executed those documents and forwarded them to the XXXX team for their inclusion in the total package to be forwarded to the Florida Department of Economic Opportunity ( DEO ) for their review and acceptance. Upon receipt of the revitalized XXXX amendment to the Covenant/Restrictions I found that my assessment level was set on pg XXXX at $ XXXX/month and that is what I have been forwarding to the XXXX XXXX. If the XXXX can provide me with documentation that requires me to pay a different amount of assessment than what the revitalized documents spell out and what I signed off for I will be happy to review it and proceed accordingly.
Product: Debt collection

I do not have a signed contract nor any contract with Medical Data System. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with Medical Data System. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to  collect any debt. 

I am in receipt of my credit report dated on XX/XX/XXXX. I disputed this collection agency back in XX/XX/XXXX and it was deleted on XX/XX/XXXX. Since obtaining my credit profile once again on XX/XX/XXXX I came across this account that does not belong to me. I sent MEDICAL DATA SYSTEMS certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Product: Credit card or prepaid card

I have been issued Credit card as well I have check in and savings accounts in Chase Bank. On  XXXX   XXXX   2017 , I used my credit card instead of debit card by mistake to withdraw {$1000.00}. I realized my mistake immediately after I checked my bank account online within an hour and I deposited {$1000.00} back to the credit card. I never intended to take  a cash advance and having a good balance in savings and check-in accounts, I did not needed the cash advance and i t was a mistake. The Bank posted the withdrawal transaction on  XXXX   XXXX   2017  and they have charged a transaction fee of {$50.00}. When I called the credit card customer care, they declined to revert the fee, in spite of agreeing that the intention was never to take the cash advance.Also, The customer c are executive sai  d that they will charge interest with APR 25 % + on the {$1000.00} for two da ys till the transaction was posted i.e. from  XXXX   XXXX   2017  to  XXXX   XXXX   2017 . They will charge in spite of my {$1000.00} advance payment posted on  XXXX  itself. I was unable to understand why should I pay for delay in bank 's posting. Also, I had a negative balance to cover the  cash advance f rom  XXXX  itself, then why should I pay interest.The bank should not have charged the transaction fee and interest charge. Its unfortunate that I am being penalized for a small mistake which was corrected immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Navy federal has a zero liability policy for account holders but does not hold up to it. I reported fraudulent ATM withdrawals on my account that I hadn't received the actual card for. Only card I had was the digital version they sent to my email which means I wasn't able to physically pay at a store or withdrawl money. My phone doesn't support tap which I can show and prove. It's the only device that's on my account. I was told by navy Federal that my claims were denied because no error occurred but no investigation was done at all. They've been sued before for these same practices. For not doing their jobs to make sure. Every ATM has cameras. Every store has cameras. They can easily pull the camera footage or store footage but instead they've chose to do nothing. What's the point of having us report fraud when the bank does nothing about it. Certain online charges I told the bank it was me but I wasn't able to make in store purchases or withdraw from a ATM without the card. I also see the bank included some of the charges I said I authorized into the unauthorized ones making them basically void the whole claim. Banks do this to avoid honoring fraud agreements or their zero liability policy or a way to deny the whole claim. I had navy federal on 2 other phones which were stolen. I called into navy federal to do a whole reset of my account which they reset everything and then locked me it the account for days for trying to login to my app on the only device that is linked to my account. This has been the worst experience at a bank. I've been with them for almost 3 years with no problems until now.
Product: Student loan

Contacted NelNet via email at XXXX on XXXXXXXX  and received automatic reply stating " Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question ''. I am unable to create an online account and was instructed via their website https : //nelnet.com/welcome to do the following " We do not have a current, valid email address or phone number on file for you to send the authentication code to. Please call us at XXXX to gain access to your account. View our hours at Nelnet.com/contact. '' I called NelNet at XXXX on XXXXXXXX  and waited on hold for 1 hour and 31 minutes ( XXXX to XXXX my time HST ). I was continued on hold even though their business hours on Fridays are XXXX to XXXX EST. I hung up since their offices were closed. I never spoke to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Equifax is reporting TWO BANKRUPTCIES AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent Equifax, XXXX and XXXX  a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Equifax have failed to respond to my request The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Equifax has not followed the stipulations of the law. 

Equifax have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified.

I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.
Product: Student loan

I attend XXXX  XXXX XXXX of XXXX from XXXX to XXXX. I left for a brief period and joined the military. Upon my honorable discharge I returned to XXXX XXXX XXXX in XXXX. I received a federal loan discharge via the recent borrower defense discharge available to certain XXXX XXXX XXXX. During my first term at the XXXX XXXX, I acquired XXXX XXXX private student loans.

On XX/XX/XXXX I called Navient for information on school misconduct discharge of private loans and was told to follow up in XX/XX/XXXX. I am filing my complaint to establish a record and my inform of my relationship with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my identity stolen from someone and opened up credit cards without me knowing it.
Product: Mortgage

My Home Equity Line of Credit was initially opened in 2007 with Wachovia Bank, N.A. for {$100000.00}. I have been told that the initial payments were considered interest only. 

Monthly payments made timely have not been applied to the principal. Each monthly payment is applied to finance charges only. No matter the amount paid, the payment is only applied to finance charges for the exact amount paid. 

Ex : {$600.00} payment Finance Charge- {$600.00} {$350.00} payment Finance Charge- {$300.00} The PRINCIPAL amount has remained at {$97000.00}. I have been paying on this HELOC for ten years and the principal balance is still {$97000.00}. 

Wells Fargo has me making back payments from XXXX to the present because they were considered partial payments and yet the total monthly payment due balance keeps increasing and the principal balance remains {$97000.00}. 

In ten years, Wells Fargo has never paid the real estate taxes on my property but this year they did after I had already paid them. I have submitted a letter of error for Property Charges and Fees with documentation of the errors but to no avail. 

I have financed and paid off a mortgage and financed and paid off cars. I have never experienced monthly payments only being paid to finance charges for the exact amount of each payment and not applied to the principal balance.
Product: Credit card

XXXX XXXX and Capital One failed to provide the consumer with the agreed and advertised interest-free 12-month payment terms. As a result, the consumer was charged significantly more in the subsequent months, resulting in significant financial burdens to the consumer. 

Whereas the customer agreed in XX/XX/XXXXXXXX  to make a purchase of {$7100.00} from XXXX XXXX with 12-month interest free financing and monthly payments of {$590.00} through Capital One, using the XXXX XXXX Credit Card. Capital One issued bills to the consumer in XX/XX/XXXX and XX/XX/XXXX for {$3300.00} and {$1200.00}. When the issue was raised by the consumer, Capital One initiated a dispute process that has yet to resolve the issue and resulted in the customer being required to make payments in XXXX and XX/XX/XXXX totaling {$3600.00} while they work to resolve the issue. Capital One reiterated to the customer that while XXXX XXXX and Capital One made an error and failed to resolve it properly when first contacted, that the customer is still responsible to pay the incorrect charges while they resolve the issue. 

The sequence of events provided herein describes the actions of the Merchant and Capital One which have resulted in the customer being significantly overcharged in XX/XX/XXXX and XX/XX/XXXX and failed to deliver the promotion to the customer as advertised and agreed upon.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXXXXXX XXXX account ( Account Number : XXXX ). 
The specific inaccuracies include : XXXX and TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXXXXXX XXXX , they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you.

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report file. I have sent out multiple letters trying to correct this matter. Date of letter XXXX. I have also sent proof of address along with documentation. Any other address listed please delete I have never lived at those addresses. ( CFPB ) please help fix this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX  XXXX ~ XXXX XXXX  XXXX XXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. 

I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. 
* Provide me with written results of the investigation. 
* Remove or correct the inaccurate information from my credit report, if found to be inaccurate. 
* Notify me in writing of any changes made to my credit report as a result of this dispute. 
* Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. 

Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. 

Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. 

Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent this to XXXX XXXXXXXX, XXXX, and Goldman Sachs. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information.

As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the removal of any erroneous accounts from my credit report. Can you please verify the documents? Some accounts have been inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Experian, 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 account information without my written instructions.

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.
Product: Debt collection

Jefferson capital system, I was notified by the three major credit reporting agencies, the fraud was committed on my person and that the account that they have in their system may be pertaining to fraudulent activity. This company received a complete packet from XXXX which was downloaded to XXXX the other download/upload system. Upon XXXX receiving that information, they contacted this creditor and notify this creditor that identity theft may Exist in this consumer file. This collection agency was asked to conduct an investigation into the consumers fraud claims. The collection company never contacted Investigation and to Fraud and, when Notified that this is a fraudulent debt, this collection agency failed to cease collection activity and investigate the claim. Instead, they felt it would be better just to validate the Debt. 

This debt can not possibly be mine so seen that the perpetrator was caught, prosecuted and convicted. In this court case he stated on the Stan, that he used my information as well as others to make a profit on the Internet. That meant, selling your personal information using your personal information, and profiting from other peoples personal information. 

So it is already a clear violation based on the fact that a criminal was already admitted and been convicted of this fraudulent account.