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

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXX  XXXX  - Account Number:XXXX XXXX - Account Number:XXXXXXXX XXXX - Account Number:XXXX XXXX XXXX  - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX DEPT OF EDUCATION/XXXX - Account Number:XXXX DEPT OF ED/XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX
Product: Checking or savings account

I HAVE NO IDEA WHY CHASE BANK WONT LET ME OPEN AN ACCOUNT WITH THEM.
Product: Student loan

These loans are duplicately reported along with XXXX and XXXX XXXX XXXX. This account was on an approved deferment and therefore was never late. The unscrupulous practices of student loan companies make it almost impossible to repay and hinders your credit unnecessarily. Please correct this error immediately to paid as agreed never late!
Product: Credit card or prepaid card

XX/XX/XXXX I purchased XXXX XXXX prepaid visa card {$500.00} from a local grocery store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried multiple time to check the balance on the website but it keep saying the info I entered was invalid. I called the customer service and they told me that my account was locked by using the search engine. They were going to issue me a replacement. Before I hung up the phone, I confirmed with the customer service my balance was still {$500.00}. 

Since that, I've never gotten any chance to use the amount. After 7-10 business days, I received a new card but the balance appear on the card was only {$1.00}. I login to the website and saw my card was stolen and spent multiple transactions on a website, which is not in Hawaii. I called the customer service for the issue and complained about their insecure system. They could not gave me a fast solution, instead of that, they made me wait 90 days to disputed all transactions and finally I got my new card with {$500.00} balance by the end of XXXX. 

Follow the step of the instruction, I need to call XXXX to activate my card, unfortunately the same issue happened as the first time when I purchased the card. They could not verified my information I entered. I called the customer service again to complain about it. It was very frustrating after I wait for more than 90 days but I still could not use my card. They gave me a very suspicious and ridiculous reason that my {$500.00} prepaid card has {$900.00} in balance. So they have to investigated again this issue. They gave me another case number and email address to contact with, and they will response in 3 days. Very disappointed I never received the email response since I sent it on XX/XX/XXXX. 

I called the customer service again on XX/XX/XXXX, they just told me the same thing that my balance has {$900.00}, they need to send it to a special team to investigate. after a few days I called back to follow up but the agent told me she didn't know about it and they tried to buck passing. I still didn't get any update from them till now and I don't think I can get my {$500.00} back just by calling them. None of the agent can solve the problem. I feel this company intends to hold lots of purchasers ' money sneakily. There are also tons of complains and reviews from other purchasers who have the same issue as me.
Product: Credit reporting or other personal consumer reports

an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports in all 3 bureaus Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX this is not mine and I have to be remove as soon is posible is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) whis states that a consumer has the right to dispute incomplete or inaccurate information. 
XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On numerous dates I have requested the company provide me with proof of the validity of the account ( s ) balance ( s ) two accounts are being reported to the credit bureau and the company has FAILED to comply with my repeated request. I need BMG Money to comply with supplying the consumer XXXX XXXX XXXX a detailed itemized account statement.
Product: Student loan

I have submitted a complaint previously regarding Navient. I applied for private loan forgiveness on the basis of attending a fraudulent school and/or via XXXX  XXXX XXXX. I absolutely qualify for this relief, but was denied and the company refuses to provide information as to why outside of a generic statement that they have been sending to everyone. I have also not received a copy of my promissory note. I called Navient on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting a copy, it was supposed to be emailed to me, Ive not received anything. On XX/XX/XXXX I was told a copy would be emailed and physically mailed. On XX/XX/XXXX I was told it was mailed to the co-signer, there is no co-signer on my loan. The rep again said it would be sent, Ive still not received a copy. Navient should not be able to continue to collect on this debt. How is the not considered fraudulent? I should be released from the loans in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute against the account on my Equifax report for Ohio Department of Human Services '', which is my child support payments. I have disputed this multiple times with XXXX being my latest dispute with Equifax. This one I submitted in writing through mail with confirmation receipt which is attached. 

My problem with the account as evidenced in 2 of the attachments showing the account on my credit report is that it is showing late and missing payments and also being in collections. 

I have attached a letter from my case manager and my full payment history with the Ohio Department of Human Services, showing I have never missed a payment since my divorce was finalized. The arrerages shown is due to me being in court for 1 year and not having an order finalized. I have been making extra payments and have the arrerages paid off. Never once missing a payment as it shows in my credit report. 

I have disputed this multiple times with Equifax with proof of my payments and every time I get the same response received the last time I disputed this with the CFPB. They ignore my evidence and say the account was verified. I have also attached the letter I sent Equifax the last time I disputed requesting this account corrected. 

I want this account shown with no missed payments and no collections activity on this account as there is not and never was missed payments or collections on this account. 

Equifax is required to report the accounts correctly and if not I will be forced to take legal action against Equifax to have the account updated correctly and for damages. 

Thank you in advance.
Product: Debt collection

On XXXX XX/XX/XXXX, I logged into XXXX to check my credit report & noticed two fraudulent collection agency notifications : Credence Resource Mana & XXXX XXXX XXXX. Both companies were stating passed due bills for XXXX for {$350.00} each. 

Credence Resource Mana acct # XXXX opened on XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  acct # XXXX opened on XXXX XX/XX/XXXX Both accounts were created via identity theft as I do not have an XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXXXXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX  Promotional Inquiry XXXX XXXX, XXXX XXXX to XXXX Report XXXX XXXX XXXX  XXXX  Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage XXXX. XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX Account Review Inquiry 13. TRUECREDIT/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up my Apple Card by Goldman Sachs in XXXX of XXXX. I maintained an exceptional payment history never missing a payment. This is during the XXXX coronavirus COVID pandemic. Around XXXX of XXXX my business started to Suffer and I struggled with payments. In XX/XX/XXXX I paid down the complete balance of my Apple Card by Goldman Sachs to zero balance. 
I was then told by Apple Card GS that my account was closed. Saddened by this I was informed to reapply. Relieved that at least I paid off the card with XXXX balance I went about building my business. Since the card is closed I no longer received notifications, alerts or had access to login On XX/XX/XXXX I get an alert from credit bureau saying I'm pass due on my Apple Card by Goldman Sachs. And that my credit score has dropped by XXXX points. This is especially disheartening because I'm in process of purchasing my first home. I call Apple Card Goldman Sachs and was informed yes you paid your balance to zero and and account was closed so there was no way to inform me of a {$100.00} interest payment. If there was an interest payment of {$100.00} why not alert me since I am no longer a customer of Apple Card Goldman Sachs? I was told there was no attempt to alert me instead they just reported incorrectly to credit bureaus. They agreed this was in error but now I will lose my home because of Apple Card Goldman Sachs rush to report to credit agencies instead of calling or trying to resolve. I feel this is negligent practicing. Americans credit is very valuable and in this current climate of COVID it's hard enough to keep our families feed and business open. I feel an error like this could really ruin a lot of things for a customer that maybe already struggling to stay afloat. I was told that APPLE CARD GOLDMAN SACHS would escalate this matter but time is not my friend since I am in process of buying a house. I need them to fix this error asap and consider a different approach when reporting and dealing with communicating with customer past/presen Desired Outcome/Settlement Desired Settlement : Correction to a credit report None Provided Complaint Details Nature of Complaint : Billing or Collection Issues
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a notice to Lexis Nexis requesting them to cease and desist from any further use or disclosure of my personal information obtained from XXXX XXXX XXXX am writing to notify you that LexisNexis has violated the Driver 's Privacy Protection Act ( DPPA ), codified at XXXX XXXX. XXXX et seq., by improperly obtaining and/or disclosing my personal information from motor vehicle records without a permissible purpose. Specifically, on XX/XX/XXXX, LexisNexis " obtained my personal information from state XXXX records and disclosed it to third parties without my consent ''. 
This action violates XXXX XXXX. XXXX ( a ), which states : " It shall be unlawful for any person knowingly to obtain or disclose personal information, from a motor vehicle record, for any use not permitted under section XXXX ( b ) of this title '' XXXX. 
As a result of this violation, I have suffered such a privacy invasion and a denial of XXXX XXXX  XXXX  due to furnishing my personal information. Personal information should not include information on vehicular accidents, driving violations, and drivers status. Under XXXX XXXX. XXXX, LexisNexis may be liable for actual damages, punitive damages, reasonable attorneys ' fees and other litigation costs, and preliminary and equitable relief as the court determines to be appropriate.
Product: Credit reporting or other personal consumer reports

Please review this matter thoroughly, as it was submitted with utmost concern. My credit report contains mixed information, and I continue to encounter unknown accounts, transactions, and items that are not mine. This is deeply distressing and has caused me considerable stress and anxiety.
Product: Debt collection

After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.
Product: Mortgage

I wish to pay down on my mortgage so that I can get below the 80 % to remove pmi insurance and _escrow. Before I am allowed to do this I have to pay {$500.00} and have the home revalued. I told them all I want to do is pay them {$30000.00} and their response was that without the assessment the pmi and escrow charges will not be removed, and it will cost me {$500.00}
Product: Debt collection

A debt collections company called LVNV Funding LLC placed a collections on my XXXX credit reports in XX/XX/XXXX without any notice, warning or explanation in the amount of {$2600.00}. I've disputed this item multiple times with all XXXX credit reporting agencies and they continue to " validate '' the debt. On Monday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, yet another debt collector. The letter was a Validation Notice for the LVNV Funding LLC debt. This was the first notice I received about this debt over 4 months after they placed it on my credit report. Pursing debt collection without proper notice or giving me the opportunity to dispute the debit is illegal and LVNV Funding LLC has violated my rights. I am filing this complaint as a last ditch effort before requesting my attorney file a lawsuit against LVNV Funding LLC.
Product: Debt collection

I have been receiving robocalls from " XXXX from FFR '' since XX/XX/XXXX. The calls usually come from XXXX, and have recently also been coming from XXXX. I typically receive multiple calls per week from these numbers, since they first started calling me. If the call goes to voicemail, a recorded message instructs me to call back at XXXX, without explaining the purpose of the call. The recorded message is exactly the same every time. If I answer the call, hold music plays. I searched the phone numbers online, and one of them ( XXXX ) is associated with a debt collection agency called FFR, Inc. Searching the phone number online is the only way I have been able to determine what the calls might be about. The calls have never identified the company as a debt collection agency, informed me that they are trying to collect payment from me, informed me of any creditor to whom I owe debt, informed me of any amount of money I owe, provided verification of my personal information or validation information regarding the debt, or informed me of my rights to dispute the debt. I have not received any written communications from a company called " FFR, '' or any other written communications notifying me of any debts. I have never been told by the caller what " FFR '' stands for, or what type of company it is. Since I have not been connected to a person any time I have answered these calls, and I only hear hold music, and I have not been told why I am being contacted, I have avoided these calls, because they appear to be a scam and/or illegal unwanted calls. My phone number has been on the Do Not Call Registry since XXXX. I need to know whether these calls are legitimate, so that I can resolve any concerns, but I have been cautioned against speaking to unknown spam callers. From information I have read on the CFPB and FTC websites, it appears that if these calls were about a legitimate debt I owe, I would have been informed of the debt through written communication, and failure to do so is a violation of fair debt collection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXg XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am requesting a statement of account under Article 9 of the UCC for Bank of America EDD Debit Card for " XXXX XXXX '' account ending : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX balance and I want all these accounts to be removed immediately of my credit report on Transunion, XXXX and XXXX. Because they all are reporting closed with XXXX balances!!
Product: Checking or savings account

I made a mobile deposit ( REF # XXXX ) of an insurance check, I believe Sunday this past weekend. Received a notification that {$200.00} something would be immediately available and the rest released upon the check clearing. Being the weekend, the check would be processed on Monday, XX/XX/2024. Well ... on XX/XX/2024 I was negative in my account because they released NO money. I called WF this morning XX/XX/2024 at approximately XXXX CST and was told that they received an error with a note to contact the issuer of the check. So I hung up and called my claims rep who informed me that didn't make sense because she could see where the check cleared on her end. She then sent me a copy of the cleared check. I called WF back ( approximately XXXX CST ) and the first person I got read me the standard, all checks are put on a hold, which was in direct contradiction of not only what their app said, but what the former rep had told me. I requested to be transferred to a supervisor to which he stated it wouldn't do any good bc his supervisor would tell me the same thing. He proceeded to speak over me, at which point, I admit I lost my temper and yelled and cussed. He put me through to XXXX XXXX XXXX who refused to provide any further identifying information. XXXX XXXX infact did repeat the same exact incorrect info, but also stating I needed to contact the issuer of the check, completely ignoring the fact I told him I already had and they paid the check. He refused to transfer me to his supervisor. I hung up on him and found a number to file a complaint with Wells Fargo. The lady I spoke with, XXXX, took my information, but also was not able to explain why the check would have cleared the other bank yet throw an error on our end. I can expect someone to call me back in 48 hours to discuss the matter and expect a resolution in 5-10 business days. Utterly unacceptable. 

What Wells Fargo appears to be doing is implementing a policy of placing a ten day hold on all large or insurance checks for 10 days in which they can earn interest on the money. Money that adds up when multiplied by the millions of customers they are doing this to on a daily basis. So Wells Fargo is illegally holding customer funds and not dispersing them. XXXX didn't send my funds out into the XXXXXXXX XXXX. Wells Fargo has my funds XXXX. They received them when XX/XX/2024 funds were processed. Yet they are refusing to release my money, leaving my account in a deficit. 

The fact they can not put a customer through to someone that can actually address this issue is unacceptable.
Product: Mortgage

Rocket mortgage would not provide a loan estimate upon request after submitting my application on XX/XX/XXXX. I requested multiple time for a loan estimate but they would not provide one. Even after getting an accepted offer on a property on XX/XX/XXXX, they would not provide a loan estimate until I provided the completed purchase agreement and other documents. For multiple days, they said they " do things differently '' and would not provide that loan estimate without the " required '' documents. They wouldn't even provide information on the estimated closing costs including origination and loan fees. I explained the 3 day requirement and the information provided by CFPB, and they sill would not give the loan estimate.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN card.
Product: Debt collection

XXXX agreed to settle the alleged debt in arbitration two years ago. Now, Stellar has come along and is attempting to collect the debt that was settled with XXXX. 

Stellar is # XXXX for most complaints, and really should be investigated and fined.
Product: Credit reporting

Experian is illegally reporting XXXX accounts that passed thethe 7 year reporting period and XXXX accounts shouldbe deleted immediately.I have disputed XXXX accounts. 
these XXXX accounts have surpassed the 7 year periodXXXX ) XXXX XXXX XXXX - # XXXXThis account was to be removed XX/XX/XXXX 
Experian re-aged to be removed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - # XXXXThis account also is illegally reporting after 7 yearsand should be removed immediately.