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

Experian, Equifax, and TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Equifax, and TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians, Equifaxs, and TransUnions inaction violated federal law and my rights as a consumer.
Product: Debt collection

Harassing phone calls from a company I have no idea who they are or what they want.
Product: Student loan

I have several loans with Navient. I always pay more than the minimum fee to take off more of the principal. Now looking at my account history for each of my loans, there are many instances where more interest was being paid than the principal. In fact ONLY interest was being paid on some of them for a period of time. After speaking with someone on the phone the amount of interest I have been accruing I believe is on a loan amount higher than it should be. She also advised me that my " account history '' was incorrect and that I needed to look at Account transaction history, which also did not appear correct based on the information she was giving me.
Product: Credit reporting

XXXX listed an account in my credit report that was more than seven years old and paid off. The listing was incorrect, so I called XXXX and was told that XXXX had no information on the account. I sent a letter to both XXXX and to Equifax, explaining the problem and disputing the reporting. XXXX wrote back indicating it had no information on the account and would report accordingly to the credit bureaus. XXXX and XXXX deleted the information but Equifax subsequently re-reported the information as having been 'verified '. I sent and faxed Equifax XXXX letters twice during the month of XX/XX/2017 and Equifax has taken no action. I understand that the law provides there is 30 days to conduct an investigation but when the information has been 'investigated ' in bogus fashion, I wait for the result, and then prove to Equifax that the information is incorrectly reporting, I do not see how or why I am required to wait another 30 days for another meaningless " investigation. '' XXXX and XXXX get it right. Equifax gets it wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report it has been more than 45 days later and I have received not one response. I feel like I'm being taken advantage of and my dispute is being ignored. Now I'm XXXX XXXX  and I can't afford this XXXX. Im in need of a bigger space before this XXXX XXXX and these inaccurate false items on my report are preventing me from getting this done. I need this problem fixed ASAP becuase I dont have another XXXX to wait or I will be homeless. I demand these late payments be updated immediately or I will file for litigation due to stress you caused during my XXXX. My information was also impacted from the Equifax data breach and may have got my information in the hands or the wrong person.
Product: Debt collection

On XX/XX/2021, XXXX violated my consumer rights by reporting false and deceptive information to my consumer report from XXXX XXXX XXXX being the original creditor. Pursuant to 15 USC 1692a ( XXXX ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. I was also violated as a federally protected consumer pursuant 15 USC 1692c ( XXXX ) Communication with third parties -- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ; meaning I did not give them permission to contact me nor did I give them consent to report anything to the reporting agencies ( XXXX, XXXX, & XXXX ). According to 15 USC 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing
Product: Credit card

Please note the email associated with my Citi XXXX XXXX Mastercard is XXXX I have XXXX problems with my account : I scheduled payments for both my account listed above ( previously ending in XXXX, currently ending in XXXX ) and my Citi XXXX XXXX ( ending in XXXX ) on XXXX XXXX, 2024. I know Citi has a way to track online activity, so they can certainly see I logged in and schedule payments. One payment went through without any problem, the other apparently did not. I received confirmation of the payment, and then a window popped up which explained the website was having technical difficulties ( please see attached ). Although I scheduled both payments at the same time, one apparently did not process. Cit charged me a bogus late fee of {$30.00} on XXXX XXXX, 2024. I dispute this as my payment was NOT late. The Citi website frequently has issues. I will not be penalized when I did not make the payment late. I'm asking Citi to reverse this bogus charge and credit my account. As Citi is aware, I have NEVER missed a payment or made a late payment as long as I've had these accounts. This is nonsense. 

My second problem is, prior to this, I discovered my previous Citi Mastercard ending in XXXX had been stolen, most likely from my locker at the gym. There were charges to my account which I did not authorize. Citi temporarily credited my account while they investigate. However, I have contacted them through messaging XXXX times now and asked how I can submit a copy of my police report. They have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to have an account with XXXX verified ( {$4600.00} ) as I could not contact the creditor to verify the loan amount reported. I found out recently this company/creditor does not exist and the account is still not verified or updated with accurate information by the credit bureau XXXX Other credit bureaus have removed this information due to inability to verify accurate information.
Product: Debt collection

I am writing to inform you that I am represented by legal counsel regarding the debt collection matter involving the above-referenced account. Please direct all further communication regarding this debt to my attorney at XXXX. 

It has come to my attention that your company has engaged in illegal and harassing practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Your repeated calls, often without proper identification, have constituted harassment and have infringed upon my constitutional rights. Furthermore, my information has been registered on the Do Not Call Registry, and your continued calls have violated that regulation as well.

I have previously requested a debt validation letter, which you have failed to provide. As such, I am reiterating my request and demanding the following information : A detailed history of payments made on the alleged account by me. 
A copy of my wet signature on a contract guaranteeing payment to the creditor. 
Any and all insurance claims filed on this debt. 
Proof of chain of title to collect on this debt. 
Your failure to provide the requested information has caused me financial harm and has negatively impacted my creditworthiness, resulting in denial for future lending opportunities. Therefore, I am demanding {$2000.00} to compensate for the violation and financial harm caused by this invalid debt. 

Please provide the requested information and compensation within 7 days of receipt of this letter to avoid further legal action.
Product: Credit card or prepaid card

I was in XXXX XXXX XXXX XXXX last year at the XXXX XXXX XXXX and they had some sort of Time share or hotel club expo and pushed me to buy or join. I never gave my consent to get any credit or apply for any credit card. Barclays Bank Delaware sent me a credit card in the mail and then I called them and told them I never applied for a credit card. They told me okay and closed the account around XXXX, 2021. I'm not sure but I believe the amount of credit was around XXXX or so. Thanks.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed incorrect, inaccurate, and unauthorized account information relating to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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.

Thank you for your time and attention in dealing with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Debt collection

XXXX XXXX 2017 I.C. Systems Inc. reporting to my credit negatively. I do not own this debt. I do not have XXXX and never have. I am requesting validity of this debt because I do not own a XXXX account. I want signatures and any pertinent information that proves I own this debt. This debt is not valid.
Product: Credit reporting or other personal consumer reports

This credit reporting company is no properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted representatives from the following entities, Citibank and XXXX  XXXX XXXX. 

I received confirmation from both creditors that it would not face negative consequences due to COVID19. As you may be aware, NY was under quarantine for over 2 months which has prevented an steady flow of income. Both representative advised me that the only thing I should be aware of is that the balance would still accrue interest throughout the payment deferral. 

Unfortunately, these representatives did not stick to their word and now my credit has been impacted severely. If that was going to be the case, they should have CLEARLY advised that. I have accounts with other creditors who had advised me the same and there are no derogatory remarks on those accounts. 

As a resolution, I would like XXXX  XXXX XXXX and Citibank to remove any derogatory remarks from my credit report. 

According to the Fair Credit Reporting Act, it is absolutely necessary to report my credit information in a fair and accurate manner. Due to the misleading information provided by the creditors, I urge that this be implemented as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I booked a cruise with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I paid with my debit card from Wells Fargo. Account number : XXXX. 
Because of COVID-19, my wife and I decided to cancel our cruise and XXXX  refunded our money back in XX/XX/2020 to my account. 
This account was blocked because I had not used it for a while considering that I was not able to visit the USA since XX/XX/2020 due to COVID-19 pandemic. I am a XXXX person living in XXXX and I was not able to use the account because I could not cross the XXXXUSA border XXXX 
Once the border reopened, I went to Wells Fargo to reactivate my account, but the bank said it was not possible since it had to cancel all the bank accounts that belonged to people living outside the USA. 
The bank gave me the money I had in my bank account but there was not the refund from XXXX. Also, I asked for my bank account statements and the bank did not give them to me. 
Since the reopening of the border, I have gone several times to Wells Fargo in XXXX, CA and once in XXXX XXXX, CA for any information regarding the refund from XXXX. Wells Fargo claims that it does not have the money, but XXXX shared with me the XXXX number and, still, Wells Fargo does not give me my money and it does not provide any proof that it does not have my money. 
Please, I need help to get my money back.
Product: Credit card or prepaid card

I had a Synchrony Bank Amazon Store Card, on XX/XX/XXXX, the card was closed by Synchrony for no reason and no contact before the decision. I used the card frequently, and never missed asingle payment. When I called to Synchrony, the rep said the decision was made after they checked my credit report, and found I was kind of a risky customer, but at that time, I had {$4200.00} credit ( negative balance ) on my account. And I didn't get Synchrony permission to check my credit report after the card opening. I am 100 % good card user. Synchrony says they can " Per the terms of your account agreements, we may close your accounts at any time. '' But no reason was provided! No customer rights were respected and protected
Product: Money transfer, virtual currency, or money service

The transaction was done at XXXX on XXXX XXXX in XXXX XXXX Texas I deposited cash {$460.00} on my PayPal cash card account at XXXX business center I got a receipt of cash deposit with reference my PayPay cash card last 4 digits of my pay pal master card number this is a routine transaction that I have done before and usually money is in the account in 10 minutes but this time when there is a pandemic going on in money so tight it doesn't go through and PayPal says that you don't know where the money went XXXX says you have to call the card issue or we did our job so I didn't do anything wrong I followed the proper channel offered by PayPal that works all the time and didn't break any rules or any guidelines any fine print I have receipt for it and they don't want to even acknowledge it
Product: Checking or savings account

My husband deposited two of my commission checks at the counter at TD Bank in XXXX ( XXXX XXXX XXXX XXXX ) yesterday ( XX/XX/XXXX ). I have deposited checks from my employer many times since XXXX of XXXX and most of them have been a large amount as they are commission checks from real estate closings. I also have deposited checks into my account that has been overdrawn. Never have I had to wait more than 2-3 business days for the checks to be available in my account. 

We are a small family that has been barely keeping our heads above water since covid. I was finally starting to feel like we were catching up and the bank throws this at us! They stated that I WILL be charged the daily overdraft fee. I feel like the bank is cheating just to get their daily {$35.00} out of us. I have had to stop payments that are scheduled for tomorrow and early next week. 

The weird things : -They told my husband to sign the checks even though his name is not on them. ( His name is on the account so their shouldn't be an issue with him depositing it! ) -When I called the bank this morning ( not sure which branch, I was on the way to work and told XXXX XXXX call TD bank ) I was told by one person that the reasoning for the 6 day hold is because the account is currently over drafted. 
-I was then told by the branch that deposited the check ( I called after arriving to work and was able to call the correct branch ) that it is being held because of their new policy with large check deposits, though they could not tell me what amount constitutes as a " large deposit ''. 
-When I was forwarded to " a manager or customer service '' I was left on hold for 8 minutes and then the call disconnected. 
-I have called back multiple times today to at least get a copy of the " new policy '' and the phone just rings and rings and then comes up with a prompt saying " Store XXXX is unavailable to answer at this time '' then it continues to ring. This is the same phone number I used to call the second time and spoke with someone right away, are they ignoring my phone number? 
-I can not find in my emails, mail, or online this new policy they mentioned.
Product: Credit card

Dear Sir/Madam, I am writing to formally dispute a 30-day late payment reported to the credit bureaus on my Wells Fargo credit card account . The payment in question was allegedly missed on XXXX of 2021. However, I believe that this late payment was due to an error on your part regarding the accuracy of my contact information, and I respectfully request that this late payment be removed from my credit report.

Specifically, my contact information was up-to-date for my Wells Fargo checking/savings account , but I have discovered that it was not updated for my credit card account. As a result, I did not receive timely notifications regarding the due date of my payment. I was unaware of the outstanding balance and, as a result, the payment was late.

As you are aware, under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate, complete, and up-to-date information to the credit bureaus. Furthermore, under the Truth in Lending Act ( TILA ) and Regulation Z, creditors are obligated to provide timely and accurate billing statements and notices to consumers. Given that the information you had on file for my credit card account was not current, I was unable to make the payment on time.

I kindly request that you investigate this matter and correct the information reported to the credit bureaus. I believe that Wells Fargo 's failure to update my contact information was a direct cause of this late payment, and under the aforementioned regulations, I should not be penalized for this error.

Please confirm in writing that you have removed this 30-day late payment from my credit report, and provide me with a copy of the updated report once this action has been taken.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

The collection company has marked my complaint as a duplicate problem without actually addressing the red flags that I have brought forth regarding the collection of the alleged debt. They are not taking accountability for their actions and refuse to address me directly regarding the very issues. Moving forward I am requesting the chain of assignment regarding the alleged debt, was their insurance on this alleged debt, do you actually have a license to collet in my state in regard to this alleged debt? I was not originally given the opportunity to dispute this alleged debt, and I was not given any disclosures regarding this alleged debt. Please also provide the certified tracking number with my name and signature proving that you mailed notice to me regarding this alleged debt. You are liable under 15 USC 1692k, 15 USC 1681s-2, 15 USC 1692d XXXX XXXX ), and 15 USC 1692c . Failure to provide accurate information will result in legal escalation. DO NOT ignore my request as collection agencies are responsible for providing information and explanation upon request. YOU CAN NOT JUST DO WHAT YOU WANT TO DO BECAUSE YOU THINK YOU CAN DO IT. There are repercussions. I have not received any of that information. Please provide a contractual agreement with my wet ink signature as well regarding this alleged debt.
Product: Credit reporting

each of the XXXX companies has docked me because of a first mortgage omission. 

well, guess what? I do n't have a mortgage
Product: Debt collection

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I can not emphasize enough the urgency of this matter. It has been years already since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Coinbase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Case # XXXX and Case # XXXX ) with Coinbase.
Product: Checking or savings account

I noticed a debit to my Fifth Third Bank checking account that did not look correct. I went back and discovered that this debit occurred many months. Each one was about {$100.00}, some more, some less. Each debit clearly stated " auto debit Fifth Third line of credit. '' I went to a local branch. The employee looked up this line of credit and said it did NOT belong to me ( which I knew ). I visited the branch where I opened the acct decades ago. I have been there 3 times and sat with the manager. He researched and found debits went back to XXXX! I will attach his email to me stating every debit- it totals over {$6400.00} It has been assigned to the " resolution '' dept of their corp headquarters in XXXX, OH. 
The person there handling the " investigation '' is named XXXX. A male - supposedly a supervisor. He called me the other day and is always very secretive and cagey- simply saying " we have to complete our investigation. They refuse to refund me the money even though there is proof it was erroneously debited. 

I am extremely frustrated. Please contact Fifth Third Bank corporate headquarters in XXXX, Ohio. Their case # is XXXX
Product: Vehicle loan or lease

Santander consumer usa acct # XXXX Auto Loan XX/XX/2013 Amount : XXXX Original Balance XXXX Terms : XXXX months Responsibility : Joint account XXXX