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

These was not my inquiries. XXXX/XXXX XXXX address id XXXX date XX/XX/XXXX .XXXX/XXXX/XXXX  address id XXXX date XX/XX/XXXX XXXX   XXXX address id XXXX date XX/XX/XXXX XXXX XXXX XXXX address id XXXX date XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX address XXXX date XX/XX/XXXX and XX/XX/XXXX 2 XXXX XXXX address XXXX XX/XX/XXXX and XX/XX/XXXX also my name is XXXX XXXX XXXX i never put my full middle name on any applications they got one saying my name is XXXX XXXX name id # XXXX
Product: Mortgage

Fay servicing is n't in the business in helping people with difficult situations. They are into foreclosing on your property. They say they will help you not true! They are not going to give you the modification they said we have three choices lie! They only gave us one in Deed of Lieu! The Fay Rep promised many things!. They stalled us with endless requests from many forms, checks stubs, bank statements, profit and loss if you own a business through faxes that at times did n't work, emails and none of it will ever matter to them. Many times they said they never received the docs and you had to redo all over again. Plus, they never had any new information or the rep would say I do n't know whats going on? Really? We are always in the dark about our whole loan. They want your house and they keep asking you for the same paperwork over and over until you run up the arrears on your mortgage and now your worse off then when you first started. They lie a lot! We asked countless times for the final payoff took them over a week and still do n't have it. They said you do n't qualify for the loan modification. He said its a 5.5 % loan so its going to be {$5000.00} a month oh no {$6500.00} oh but let me add this and this its {$7200.00} a month you cant qualify for the payment! These people are a scammers! They are abusing people and are into making money not helping people. it has been a major stressful time for one year! Filing a BK is the only way to save your house people are telling me. This should not be an option! XX/XX/2016-current dealing with these people! I work two jobs and dealing with this stressful situation!. They are taking the house and no resolutions other than Deed in Lieu! FAKERS and SCAMMERS! Worst People EVER! Who is protecting us? No one!!!!

Thank You!
Product: Checking or savings account

I have a bank account that is not located in my current state, my account had a charge that was over the amount I had in the account, so I instantly transferred funds from square cash. However PNC processed the negative charge prior to the credit, though transactions happened same day. I am not able to physically remedy the situation as there are no branches here, and attempted to fix the problem by transferring funds, but with PNC processing the debit first they applied 3 NSF fees causing me to yet go negative again.
Product: Credit reporting or other personal consumer reports

Dispute of Reinserted Accounts Request for Immediate Removal I am writing to formally dispute the unauthorized reinsertion of accounts on my credit report. On XX/XX/XXXX XXXX XXXX  the following accounts were successfully deleted from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, on XX/XX/5, these accounts were improperly reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). As per the FCRA, if a previously deleted account is reinserted, the credit bureau is required to provide written notice within five business days, along with certification from the data furnisher verifying the accuracy of the information. I have not received any such notification or certification. 

Since these accounts were already removed after an initial investigation, I am requesting their immediate deletion from my credit report. Please provide a written response confirming the removal of these accounts and ensure compliance with federal regulations. 

Enclosed are copies of my previous dispute results indicating the deletions, along with a copy of my identification for verification purposes. I expect a response within the legally required timeframe of 30 days. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My father in-law did my taxes and had them sent to his account. 

His account was negative {$3700.00} when my stimulus check hit. 

The IRS did not provide me a way to update my banking information to receive my stimulus and {$2700.00} went into his account covering his debt. 

Ive been trying to get ahold of someone who could help with this at Chase and the representatives just keep hanging up on me and telling me that the debt will be paid with my money and they're keeping it! 

What can I do??? i'm out of work and have XXXX children ...
Product: Credit reporting, credit repair services, or other personal consumer reports

So I dont really check my credit report, and recently after all the data breaches and what not that have been going on I finally looked into it. And what I've found was kind of shocking. 
On my open accounts from XXXX XXXX XXXX XXXX they have miss reported it on 3 different occasions. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on WELLFARGO CARD SER ( which is closed ) they have mistakes on there also XX/XX/XXXX and XX/XX/XXXX and I found an Iquire from XXXX XXXX XXXX showing a XX/XX/XXXX pull but Ive had this account over 2 years! 

I have never been late on paymets becuse they are auto paid i reached out the the lenders and they refused to fix the problem these late scores are hurting my credit. I didnt think I had to watch out for these shady practices. Please help
Product: Checking or savings account

I have overdraft protection on my account a lot of times my card has been overdraft due to not having enough money into the account I Navy Federal to get the reason why because my account should not be able to be overdraft if I have overdraft protection and I have been charged so many overdraft fees
Product: Debt collection

I recently signed up to credit karma so that I can repair my credit. I noticed that I have XXXX hits on my credit from a collection agency regarding unpaid medical bills. I always have had medicare any time that I had seen a doctor. I contacted medicare and they said they do n't see any money owed. I asked the collection agency to give me the name of the doctors that they claim I owe, and they told me they do n't have that info that its medical data and that I owe that money to them. Please help, I did not visit these hospitals at all and if I had my insurance covers XXXXpercent. 

name of collection agency CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2015 WAS LAST REPORTED {$1500.00} {$3800.00} {$2800.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems , IncXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX  XXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX  XXXX and XXXX XXXX  XXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. 

Chex Systems , Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account.

They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from ChexSystems report ; and engaging in other misconduct. 

As a result of their failure to comply with its legal obligations and negative reporting of reporting to ChexSystems, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. 


Defendant ChexSystems violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my ChexSystems report and by misreporting and failing to delete inaccurate information on my ChexSystems report, thus damaging my ability to open a bank account.
Product: Student loan

Ive never received my loan. When I contacted my loan servicer that told me to contact my school which was XXXX University ( I was taking online classes at the time ) and the school told me they issued out my loan and to contact my loan servicer. But at the end I never received it. This was in 2020.
Product: Debt collection

Healthcare provider is attempting to collect an amount from me that has already been paid by my insurance company. The amount billed conflicts with the Explanation of Benefits. I contacted the Healthcare Provider who said to ignore invoice until they have researched the issue, however, the Provider turned it over to a collection agency without further notice to me. The Provider billed {$85.00}, the Explanation of Benefits confirms that the Insurance Co. paid {$57.00}, disallowed {$27.00}, and my responsibility for the charges is {$8.00}. However, the Provider billed the entire {$85.00}, in affect trying to collected from me the {$57.00} already paid by the insurance and the {$27.00} above the negotiated amount. 
Finally, I have no agreement with these people to pay anything, however, I'm willing to pay my portion of {$8.00}, if billed properly. My Doctor used this XXXX  without informing me or asking me what pathologist I would be agreeable to.
Product: Credit reporting or other personal consumer reports

This account does not belong to me. I have never had an account with XXXX XXXX or Sunrise Credit Service. This account may be a result of identity theft, as I have already been a victim in times past. Please remove this fraudulent account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the fair act this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that i have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish and account without my written instructions. under 15 USC 1666b A creditor may not treat a credit paymenton a credit card account under and open ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have followed everything requested by identitytheft.gov, sent and faxed letters of the requested information to Chrysler Capital, and this is still showing on my credit report. I did not take out a loan with this company, i gave no one permission to do so, and this is adversely affecting me personally. I would like this fraudulent information removed as Chrysler is the ONLY company that i have contacted that has yet to do anything about the identity theft i am facing.
Product: Credit reporting or other personal consumer reports

I have been trying since XXXX to get Equifax to remove the freeze on my credit file so I can update a new Home Equity Loan with XXXX XXXX. Here is the last letter sent XX/XX/XXXX without any response from Equifax. I have tried to contact them by phone and even created a new account without success. The questions being asking for my ID proof are also incorrect! Please help me get my credit file unfrozen. 


XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I sent my initial request to remove the freeze on my credit on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Equifax asking that I send the letter and my proof of ID items again along with a letter stating I wished to remove the freeze. I sent the letter from Equifax and the proof of ID items again on XX/XX/XXXX. I have not received notification from you that the freeze has been removed from my credit. It is critical that this occur in order to renew my Home equity loan. Please remove the freeze on my credit. 

I am enclosing a copy of my XXXX Social Security XXXX for Category XXXX and a copy of my current Drivers License for Category 2 requirements. Please contact me at my home phone if there are any issues with my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A Collection account was reported to my credit report. I sent a debt validation to Experian. They responded with an inaccurate update.
Product: Debt collection

XX/XX/year> I received a letter of a balance from XXXXXXXX XXXX  that I owe {$3300.00} for A class that the school Drop me from when my grandmother died and they sent the money back to financial aid but sent me a bill. I had notify the student center and advised but they stated I owe them the amount. Today the manager from sunrise credit services name XXXX stated her company has a right to add additional fees which is totally unacceptable I would like to dispute or I will get a small claims lawyer. This is not right and I dont have the funds to pay a big bill of {$4000.00} so I need assistance on dispute my balance. I know and understand I have to pay {$3300.00} but I do want to dispute the additional charges.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I made multiple attempts to reach out to this collection agency. Ive been super busy with my family and working hectic hours I had some downtime today and decided to fold a complaint. Attached is the letter I sent months ago asking this company to validate the debt. I never received a response to continue reporting a debt and failing to validate is a violation Im asking for an immediate removal of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX : DEPT OF EDXXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00} TransUnion : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$600.00} DEPT OF ED / XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED / XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$95.00} Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. Itc should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Credit card or prepaid card

I have been dealing with the XXXX credit card, Capital One, for 5 years. They are the only company I pay that refuses to count any over payment made within a billing cycle to the next billing cycle. In the XX/XX/XXXX to XX/XX/XXXX billing cycle. I was due on XX/XX/XXXX for {$210.00}. I use my bill pay system from my bank so I can synchronize my payments with my paychecks. I pay {$130.00} a paycheck to XXXX, every other Wednesday. I paid {$130.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is a total of {$390.00} in one billing cycle, even though I only owed {$210.00}. My next payments were XX/XX/XXXX and then XX/XX/XXXX, both for {$130.00}. However, because they did not count any over payment outside of the previous billing cycle, when my due date of XX/XX/XXXX came up they said I still owed {$86.00} and then charged me a {$35.00} late fee. I called their customer service and they immediately waived the fee, however, they stated it could only be done once a year. I advised them of how I was making payments. They admitted that they understood why the late fee had occurred and stated they could change the due date. I advised them that changing the due date will not solve the issue and I asked them to credit over payments on my account to the next billing cycle. They refused to do so. They advised me the only thing that can be done is changing the due date. Now since my payment of {$130.00} posted XX/XX/XXXX it took care of the {$86.00} left on the cycle, but I'm going to be late again since my payments of {$130.00} will occur on XX/XX/XXXX and XX/XX/XXXX ( 1 day past the due date in XX/XX/XXXX ). It is obvious this policy of keeping all payments within one billing cycle generates a lot of revenue for Capital One, and that is the only reason to have it in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 bankruptcy was never totally file cancel no XXXX  never started
Product: Debt collection

I was called with an attempt to collect a debt from XX/XX/XXXX. The debt collector confrimed my name and asked if my address was still XXXX XXXX XXXX XXXX XXXX. I let her know this was not correct as I moved in XXXX the collector explained I owe over {$300.00} to XXXX XXXX XXXX  from a contract. I let her know that I was not aware of this debt and I believe this had all been settled many years ago. I asked for validation of the debt which she refused to provide. I repeatedly tried to let her know that I had not lived at the address provided at the time of the supposed debt and that I had no knowledge and required validation. Again she refused, I let her know that I was not acknowledging the debt but would pay if it was validated as true debt. She took my current address and said she would mark it as refusal and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Synchrony bank in XXXX FL saying my request to open a Paypal  account was not approved. I had not requested this and after many attempts to connect with the bank, I was told to contact XXXX. I did and they referred me back to the bank to have this removed from my credit report.. The bank said they could do nothing and XXXX  was the only one who could remove it from my report. 
As of todayXX/XX/XXXX I am in the same place. I've made a police report and hope that you can help me get this removed. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Indebted Secure Code: XXXX XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.