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

I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted IDS some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? do you think I will not call upon the fire of God to wipe you all out? Read this carefully. I pledged a prayer that anyone who is partaking in the crime against me for no weapon formed against me shall prosper, as I ask for every second you delayed and worked hard to burden my with slander and negative remarks the fire of God lite your body on XXXX that every breath you take you remember the people you hurt. while you are in the hospital while you are coughing blood may every one who you slander and burden their energy and karma comes back at you full speed to take over your lives, finances children and grand childern. I put a spell on you for not cooperating and slandering me. and if you go ahead and start doing your job and start removing these negative remark from my file then I ask the fire of God brings blessing upon you. Yeah you can make your own destiny! but you can't stop me from cursing you everyday and testify to the highest power and bring you in the highest court of courts. You see the queen of XXXX died! no one survive this and you will face the creator! and I am a witness and i will never cease until you fix my recoreds.
Product: Checking or savings account

Your organization failed me when I was defrauded of {$11000.00} through false cashiers checks, fraudulent job hiring through XXXX and subsequently Chase Bank charged me for the false checks. 

Not sure about the advertisement of protecting consumers. 

Thanks. 

XXXX XXXX XXXX
Product: Student loan

I am writing to formally file a complaint regarding the recent and severe negative impact that student loan servicersspecifically Nelnethave had on borrowers ' credit scores following the end of the COVID-19 forbearance and buffer period. Overnight, thousands of responsible borrowers, including myself, experienced devastating credit score drops due to the sudden reporting of late payments. This drastic change has caused significant financial harm, limiting our ability to secure housing, loans, and other essential financial services.

In my case, I was unaware that the buffer period had ended, and I unknowingly missed payments that I otherwise would have made had I received clearer communication. Because of this, my credit score dropped by XXXX points in an instant. This has placed an unfair burden on me, as I had no intention of missing payments and have since worked to get back on track. However, the damage to my credit is already done, and like many others, I now face financial setbacks that will take years to recover from. 

This issue is not just affecting a handful of borrowersit is a nationwide problem. Many borrowers were not properly informed about the expiration of the buffer period and were blindsided by these negative marks on their credit reports. The sudden and widespread impact has left borrowers scrambling to repair their financial standing, despite our good-faith efforts to repay our loans.
Product: Debt collection

XX/XX/24, When I log into my bank account, I saw my credit score is immediately down, then I saw the alert from my bank, told me that Sunrise credit service has reported a debt collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX said I own them {$1200.00} bill, I never had XXXX XXXX XXXX phone service account for XXXX yrs, and the address of the bill is not even my address, I never knew that address. so I called Sunrise credit service, file a fraud and they start to do the investigation
Product: Credit reporting

On or about I sent in a dispute to Experian regarding XXXX collection accounts. I have not received any response regarding this inquiry.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has been closed since XXXX. But now they are reporting late payments to my credit report. Tjis is going against the fair credit act, and i want this account removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

This account with CONNS with account number XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Credit card

My Macy 's credit was used without my authorization sometime last year, around XXXX or XXXX. The charge was around {$16.00}. I called sometime in XXXX to report my card was used without my permission. I was told they would investigate and send me a new card. However, it's been more than 6 months, and the investigation never happened. I am now receiving harassment calls up to 5 times a day, and my credit is ruined, with my balance increased to {$96.00}. This is an urgent matter that needs immediate attention, as I'm getting tired of being harassed when I'm at work and school. It's challenging to get assistance because every time I call Macy 's customer service, they all are overseas employees and don't understand anything. Every time I call, there is no record of me calling, and I am on the phone for an hour, starting the process repeatedly. I have spent approximately 6 years over the phone since last year XXXX to solve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was reported closed with all credit bureaus. XXXX improperly opened the account back up to report the account 30 days late and then closed the account again. Significantly dropping my score. Then the account was immediately listed as closed again after this was done. I have been severely impacted by this.
Product: Credit reporting

I have contacted Equifax regarding unauthorized inquiries on my credit report. I have made them aware that I have inquiries that I did not authorize. These companies, such as XXXX ( has XXXX inquiries ), XXXX 's XXXX, XXXX XXXX, were all unauthorized, and done fraudulently. I asked Equifax to remove these items because I have never had an account with either company, and this was fraud. I was told to contact the companies, and follow their procedures to them removed. I need for all unauthorized inquiries to be removed.
Product: Mortgage

I want to report the following mortgage investor and collection agency companies for unwilling to negotiate 2nd lien that was filed in a bankruptcy in XX/XX/2009 and they have bought this paper and forecing me to pay them by putting my home in foreclosure. my home is still underwater and currently is not behind on the 1st lien mortgage due to a loan modification completed in bk under the HARP program ; The two companies are the following : " XXXX XXXX XXXX XXXX '' and " Madison Mortgage '' I filed BK XXXX in XX/XX/2009 and during that period the 2nd lien was with " XXXX  ''. XXXX during the BK process was showing on credit report as the debt being charged off. For this reason this debt was not " reaffirmed '' for the option to do a loan modification. Also due to the home severely under water. Since then this loan was sold to several investors and the latest investor ; XXXX XXXX XXXX '' has bought loan and started to send out demand letters for me to pay them. Since the Lien is still tied to the property and never was Stripped my BK Attorney only option was to try and negotiate with the the investors. The investors is using : Madison Management '' as the the third party collection agency to try and collect. we have tried to offer several amounts to pay this lien so they could remove it from title. All offers were denied.They want me to pay the full balance that was due at time of BK filing, all late fees and attorney fees. They also want me to pay a 9.50 % interest rate which is to me predatory.

I Have sense hired a different attorney who has been trying to negotiate this lien and have been very unsuccessful as well. They have denied every offer the attorney has offered.

The investor has scheduled my house to be foreclosed as a way to strong arm me into paying them what they want me to pay them.

this practice is unlawful and i know i have some sort of rights to protect and save my home.

Since filing BK i have been currently with the first lien with no late and do not want to file BK again just to stop them for foreclosing They have also violated my privacy by researching me online on XXXX  to discover I have a business and is married. So the feel I have the means and capital to pay them what they want me to pay them.

This has been a very stressful situation and now is affecting my health as I need help stopping this investor from violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 
This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Checking or savings account

Experian is discriminating against me because I am XXXX and have been unable to work since 2015. I was retired from XXXX XXXX at that time, and despite providing documentation to Experian that I have over 30 years of positive credit history, they still refuse to acknowledge my current credit-worthiness and continue to label me as having 'insufficient credit history ' which is untrue and has prevented me from obtaining a XXXX XXXX credit card through XXXX and now I have been denied a checking account by XXXX XXXX XXXX XXXX which I was applying for in an attempt to obtain a secured credit card to help re-establish my good credit. Furthermore, Experian has refused my request to add a personal statement of dispute to my credit report in an attempt to explain my situation to potential creditors. This is a violation of The Fair Credit Reporting Act section 611 ( b ). I wrote to my Senator along with the US Secretary of Veteran 's Affairs and asked for their help, but Experian has refused to allow either of them to advocate for me and continues to penalyze me for my hardship. 

I can come to no other conclusion, but that Experian is refusing to acknowledge my positive credit history because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Checking or savings account

I was the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Association names- XXXX XXXX XXXX XXXXXXXX XXXX. 
During XX/XX/XXXX, we transitioned our HOA management from XXXX to XXXX XXXX  effective XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  made up a story that they need to move around $ XXXX from our existing bank to Pacific western as their software only work with that bank plus some other lies. 

Balance as on XXXX XX/XX/XXXX. 
Neighborhood : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {>= $1,000,000} Common : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {$250000.00} Current HOA Board tried to move the funds out of Pacific Western due to the following reasons : 1 ) Pacific Western XXXX XXXX not okay, please refer : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ) Getting very low interest of these funds. 

But XXXX XXXX come up with some other excuses that as elections are announced so let the new Board take some action not the existing Board. Elections were going to happen for next 5 weeks so that's a bad excuse. 

After the elections, I wrote to XXXX XXXX about what is happening now - has our funds moved out of Pacific Western or not? No response even after 2 weeks. 

We want our HOA funds to be covered by PacWest under ICS. Pacwest is a member of ICS ( Insured Cash Sweep ) for sure and any ics member bank has to show tranche in statements. hope this helps. there is no secrecy, as pacwest must be charging monthly fee to hoa account for this service. 

Also we would need only our operating account to be with PacWest  for them to seamlessly and {$250.00} XXXX is abundant and the operation account can be supplemented incrementally. 

We should be able to see the detail placements of funds in the monthly statement. XXXX ( XXXX XXXX  ) must have signed DPA ( deposit participant agreement ) for our account to be on ics, we need that DPA. XXXX XXXX giving us anything in writing holds no substance to mitigate default risk on our account. 

As a resident of XXXX- I want full transparency by Pacific Western to provide detailed accounts of our more than $ XXXX into these 4 accounts to each and every residents. Moreover only $ XXXX is FDIC insured, would like funds are safe guarded so that in case of Pacific Western 's failure- we may not be able to access our funds for around 60-90 days. 

If current Board would like to move out the funds to bigger, better, safer and stable bank accounts then Pacific Western must cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). NAVY FED is in violation of 15 USC 1692a ( 2 ) and 18 USC 894.

NAVY FED knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ).

15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned.

NAVY FED does not have my permission in writing or verbally to report information on to my federally protected consumer report.

I have informed the CEO several times of their fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX WellsFargo Checking account fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name. I called after they received my dispute and was told due to the dates not being present they would not delete this fraud information. I am sending this back with the correct dates to have this deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Defamation of Character
Product: Mortgage

I have been denied a modification from Bank of America for the XXXX times, they continue to string me along, like my modification is being review and after one year or more they come back to tell me I was denied ... 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went into a Santander Branch to deposit a large check after selling my house in the XXXX XXXX. I went into the branch because the deposit amount was too large for a mobile transaction. 
When depositing the check, I spoke with the three bankers ( including the manager ) about my deposit, timing of the funds, my flight move to the XXXX, and how I needed the funds to purchase a home down XXXX that coming week via XXXX. 
None of the bankers even thought to mention that I would need to come into a Santander Branch in person to do any sort of wire funding if I've never done it before. The day before closing date the funds become available I try to complete the wire and get told the news of having to be in person. I called branch manager after branch manager, as well as customer service numbers and their managers and not one person helped out. There were a couple of brave souls that confessed a branch manager could get it done regardless of the policy, especially with the sticky situation we were in. I offered to XXXX, answer XXXX questions confirming identity, anything and everything. But Santander decided to hold my funds and not help a person out when in need. That's why I will never bank with them again. 

Please do yourself a favor, do not bank with Santander. 10 years I've been with the bank. and it took the above for me to figure out that their customer service personnel are never helpful in general. They've maybe helped me out 2 out of 9 times I've called in my time with them. I called one of the customer service numbers for Santander while trying to get the wire completed and the agent didn't even understand what a wire was. And when I called him out on it, and asked him to transfer me to another agent that would understand, he decided to transfer me to the regular Santander number to restart the process. What happened to training? What happened to customer service? Why is my money not available to me because of a lack of branches around the country? It's an INTERNATIONAL CORPORATE COMPANY. INTERNATIONAL. Please explain yourself.
Product: Debt collection

During the pandemic starting in the beginning of XXXX, I was so behind on bills. My employment suffered which made things not better. I also caught XXXX XXXX as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the inquires from my consumer report no later than 4 business days after such information I've provide. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I HAVE DISPUTE THSI ACCOUNT XXXX  XXXX XXXX XXXX, THE COMPANY HAVE STATE I DO NOT HAVE ACCOUNT WITH XXXX XXXX XXXX XXXX. I HAVE ATTCHED COPY OF MY EQUIFAX CREDIT REPORT AND LETTER COPY OF THE CFPB LETTER.PLEASE REMOVE ACCOUNT.