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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Experian : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND  THE XXXX data  breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

In XXXX, I contacted ChexSystems and XXXX to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX and XXXX XXXX XXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( HPD Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, ChexSystems and XXXX has failed to remove these items from my report. The fraudulent account with XXXX  for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with Chexsystems and XXXX, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. Chexsystems and XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation. Actions Taken : Submitted identity theft and police reports. Contacted Chexsystems and XXXX. In XXXX to request removal of fraudulent accounts. Disputed the fraudulent accounts with creditors and other credit bureaus. Resolution Requested : I request that Chexsystems and XXXX immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.
Product: Bank account or service

I while trying to log on to my Pre-Paid Visa account with Ace Elite/Net Spend, with my card ending in XXXX, I forgot the password and as usual went to the lost password link, I then entered the information and was sent via my e-mail a temporary password, but when I would go back and enter it in, I would receive a " account locked '' message and for me to call the toll free number, I do and then am told it is unlocked, I even received an e-mail that my account is unlocked, but then when I attempt to do the same function, the same message shows, this went on many times over the course of 2+ days. I sent Ace Elite a e-mail about the troubles and it was signed by a " XXXX '' that passwords and user names are case sensitive and that for me to try it again, this time I tired to guess the password and the same message appeared that my account is locked. I receive my Social Security benefits : SSI and XXXX with this card and did get fed up and I went into the Social Security Office to change my direct deposit canceling Ace Elite/Net Spend and picking up the official debit card for Social Security ; XXXX XXXX but I still need to get into account to print statements, can you help me as I feel this is no longer a professional and business experience with this company and I need outside intervention. 
My Social Security Number is : XXXX My Date of Birth is : XX/XX/XXXX My E-mail Address under the card is : XXXXXXXXXXXX Account Number : UNKNOWN Dear Cardholder, Thank you for contacting NetSpend Customer Care! 

I am sorry to hear that you are having problem accessing your online account. 

Please note that your username and password are case sensitive. If you have forgotten your username or password, please click the " Forgot Password '' link located below the password box. You will be asked to answer a few security questions and then, you may create a new username or password. Once you do that, you will be able to login to your account. 

Furthermore, I am unable to locate your account with the information provided. If the troubleshooting steps above do not work, I suggest that you call our Customer Care line so they may assist you further with this matter as I am unable to do so via this email conversation. I apologize for any inconvenience this has caused you. 

Thank you for choosing NetSpend. Have a great day! 

XXXX Customer Care Specialist
Product: Student loan

On XXXX XXXX I called Navient to get my XXXX XXXX payment drafted out of my account on XXXX XXXX because that is when I got paid. On XXXX XXXX they tried to draft my account and left me with a {$32.00} Non-sufficient Funds fee. I called them and let them know what happen and one of the reps name XXXX said that she can either refund the money or skip XX/XX/XXXX 's payment. I chose to skip XX/XX/XXXX 's payment. So, on XXXX XXXX {$50.00} came out for the XXXX XXXX payment which was fine. So, on XXXX XXXX I received a letter from Navient stating that a payment for the {$50.00} would come out XXXX XXXX. I called Navient again and explained to them that I am now receiving a letter stating that in XX/XX/XXXX a payment would be coming out XXXX XXXX instead of XXXX XXXX. They said everything is OK on their end, and that my payments will come out on XXXX XXXX. All of a sudden Sunday Morning XXXX XXXX I look into my account and see that my account was overdrawn the {$32.00} Non-sufficient Funds fee again. They tried to take another {$50.00} dollars out on XXXX XXXX. So, I called and Spoke with a representative by the mane of XXXX XXXX, I explained to him what happen and he told me that he does not see where a payment came back to them, I told him I would email you proof that Navient drafted my account for XXXX 's Payment after I was told by XXXX that they were skipping XX/XX/XXXX payment. I email him the same day : XXXXXXXXXXXX and gave him my bank statement showing proof what I Navient did. And also, when I was explaining to them what happened from the beginning, XXXX act like there was nothing in the notes from when I spoke with XXXX from the beginning. No one looked at the notes to see what was going on. He just went back in forth with me about what he did not see. So, I emailed him Monday and called him back Monday to see if he received my email. I was told by a rep that he would call me back with in an hour on Monday, XXXX the XXXX. XXXX never returned my email or call. It is now Thursday and XXXX has not interacted with via email or phone. 

THE ATTACHMENTS THAT YOU SEE ON PRODUCT INFORMATION ARE SHOWING WHEN THE TOOK ON THE XXXX XXXX PAYMENT XXXX XXXX AND THEN THEY TURNED BACK AROUND AND TRIED TO TAKE OUT ANOTHER PAYMENT ON XX/XX/XXXX-THE ( XXXX CHECK ) SHOWS THAT NAVIENT TAKES THE {$50.00} OUT EACH MONTH. THE WEIRD PART ABOUT IT THAT IF YOU LOOK AT MY NAVIENT ACCOUNT IT SHOWS THAT THEY TOOK OUT A PAYMENT ON XXXX XXXX BUT I DID'NT PAY ANYTHING XXXX XXXX, WHEN THEY TOOK A PAYMENT OUT XXXX XXXX THAT PAID XXXX XXXX. THEY BILLING SYSTEM IS FISHY TO ME, AND SOMEONE NEEDS TO DO AN INVESTIGATION NAVIENT. THEY ARE BEING SUED OR HAVE BEEN SUED AND HAVE MULTIPLE COMPLAINTS FROM THESE PEOPLE. 

I HAVE ATTACHED THE COMPLAINTS FROM OTHER CONSUMERS AND A SNAP SHOT OF WHEN I PAID THEM AND HOW IT SHOWS THAT I PAID THE XXXX XXXX. I PAID THEM XXXX XXXX FOR XXXX XXXX, BUT NO PAYMENT CAME OUT FOR XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report! Im very disappointed that you put all these negative information on my name! I have no idea where did you get it, I have never apply for any of these accounts. Im pretty sure that someone hacked my personal information.
Product: Debt collection

On XX/XX/23, Hunter Warfield , Inc. sent me an email to my email account stating that they were collecting a debt for XXXX XXXX XXXX of {$140.00}. The email stated that I could dispute the debt in part or in full by XX/XX/23. If the debt was disputed, Hunter Warfield, Inc. must stop collection on any amount you dispute until they send information that shows you owe the debt. On XX/XX/23, I sent a letter through certified mail disputing the debt in full and requesting a debt verification letter. A copy of this letter is attached in the documents, as well as my certified mail receipts. As outlined by the Fair Debt Collection Practices Act : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' ( 4 ) was never completed by Hunter Warfield , Inc. after I disputed the debt and requested a debt verification letter. Additional collection efforts were made by Hunter Warfield, Inc, they call me every day attempting to collect this debt. As of today XX/XX/23, the debt verification letter has yet to be sent to me. This is a violation of the Fair Debt Collection Practices Act. At some point that is unknown to me, Hunter Warfield , Inc. reported a collection to XXXX, XXXX, and XXXX. This collection now appears on all of my credit reports, and is negative to my credit score.
Product: Credit card

I experienced a severe XXXX condition that affected my ability to work and thus my ability to pay my bills. I contacted all my creditors and asked them for forbearance- until I could start receiving XXXX pay and/or get back to financial stability. 

Every creditor BUT Citibank was willing to work with me and I kept my payments and my credit record unblemished. 

Citibank 's customer service response was clear and unconscionable. When I asked their Customer Service staff for assistance their response was clear & unequivocable. When I told them of my severe XXXX XXXX they told me : " That Citibank would just recover what I owed from my estate when I was dead. '' I offered to pay what I could for a time but they said that " unless I paid the full amount due that they would close my accounts and report my non-payment to the credit bureaus. '' That I would never get another credit card for as long as I lived. '' Well they were true to their word- they closed my XXXXXXXX XXXX XXXX XXXX XXXX  cards and destroyed my XXXX Rating. All my other XXXX accounts were paid the best I could and worked with me to resolve my debts to them. I will never forget the Citibank Customer Service person asking if I had Life Insurance and when I told them I did they said : " looks like you are worth more dead than alive ''! 

I am now being hounded by lawyers for Citibank telling me that they will sue me and take everything I have. 

Citibank Account details : # XXXX : XXXX XXXX Signature : XXXX # XXXX : Citi XXXX XXXX : ending in XXXX # XXXX : Citi XXXX ending in XXXX ( I never requested relief on this card after my experience with the above XXXX. ) I sincerely hope that you can assist me in this matter! 

Thanks in advance!
Product: Debt collection

I applied for a credit card and was denied. When looking at my credit record to determine why, I found a " medical debt '' reported by a Valley Credit company that I have never heard of. I received no notification ( s ) from Valley Credit or anyone else about any potential medical debt that I might owe, or given any opportunity to request more information about or dispute. Isn't this a violation of my FCRA rights??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Law were violated by XXXX XXXX  and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( tranunion, XXXX XXXX  ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, XXXX or XXXX any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is obscene. 
on date XX/XX/2021 letter were forwarded to transunion XXXX  and XXXX  stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by transunion, XXXX and XXXX and i also demand a deletion
Product: Credit reporting

Hi, There is always an issue with Equifax. Equifax has changed my " complete '' credit profile and lowered score over " XXXX '' points! My score dropped from " XXXX '' to an " XXXX ''. Equifax has added XXXX negative accounts, XXXX collections, changed the length of my credit history, placed an inquire on my profile that has been removed. 

Please see the attachments ( credit reports ) from Equifax website. The XXXX dated XXXX/XXXX/2016 is how my profile should look and I 'm sure the score has increased because I paid down some cards. Now, I have many alerts on Equifax credit monitoring system stating my score has drop from " Good '' to " Fair ''. My score has dropped over " XXXX points '' because of this error. They continue to cause this issues with me because I reported them to you all before. Please see the report from Equifax website date XXXX/XXXX/2016, which display Equifax placed all negative information on my profile, which should not be there. All this information was reinserted. 

I have also, attached a screen shot from my other credit monitoring system, which states Equifax has a " New Address '' for me and my address has not changed ... 

Please compare the XXXX and see how they clearly changes my profile. Please have Equifax to correct this information ASAP as it 's stopping me from obtaining credit and employment! I should not have to wait 30 days fro their mistake and I believe this was done on purpose. A month before that after report them for some odd reason my score dropped XXXX points and noting bad or increase cards or anything changed on my credit for it drop XXXX points ... 

Please have Equifax correct this error ASAP. I 'm in the process of buying a house.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( XXXX  ) are upheld.
Product: Mortgage

regarding forced placed Flood insurance. I purchased flood insurance and obtained verification from FEMA my structure is not in a flood zone.I and the insurance company has sent this documentation in 12 or so times. I have called every month for the past 7 months. Lender who lost my documentation the first 5 times now state my 3rd party verification is not sufficient to remove the forced place insurance. they have acknowledge i have flood insurance in place but the zone and type of coverage does not satisfy their requirement. I have reviewed my documentation with the front end persons and a manager but the persons making the decision are not satisfied. I have not been provided any documentation disputing my documentation provided by XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX, on Department of Homeland Security FEMA document. 

i believe this process is not representative and believe it is an unfair additional monthly and annual cost.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ transunion ] for the period of XX/XX/XXXX 2024of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

ACCOUNTS: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: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX  Account. I contacted XXXX XXXX XXXX XXXX previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX ( MST ) I received a phone call from Truist stating that the account was past due. I informed the representative that I had paid my mortgage for XXXX. After some discussion he realized that I had made the payment in full. He stated that he would place a request to have the money applied properly. The following day the money was applied the way in which I intended ( towards the payment ). I then initiated a dispute with the credit bureau. This dispute affirmed that my payment was late. I would like the folks at Truist to properly apply the payments I make and to erase the late mark on credit. I have never missed a payment to them even when it was BBT.