23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX XXXX vendor num XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello CFBP I have seen multiple inquiries on my credit profile that I dont recognize. 

Under the federal law, I am protected against any type of identity theft and bad use of my credit profile. 

I did not give my permission for those lenders to run my credit. 

Those inquiries are affecting my credit score and are not letting me get the best options for credit cards and loans. 

I will describe the inquiries as follows : XXXX CREDIT REPORT SHOWS : XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX CREDIT REPORT XXXX. XXXX XX/XX/XXXX As I mentioned before my permission was not given to those lenders to run my credit I wish the CFBP protects me and help me to delete those hard inquiries from my credit profile. 

Thank you
Product: Credit reporting or other personal consumer reports

To Whom it may concern, How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 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. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 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/ XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Listed below are the Accounts that are being challenged 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 or other personal consumer reports

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

i am XXXX XXXX XXXX holder and on XX/XX/year> i was over sea and someone supposed to transfer money and as far as i was not here because of IP address i asked my father to check my account and hes computer was hacked so some one transfer around XXXX in XXXX different amount as pay bill and i informed the bank and also i changed my password and when i come back to state i followup but after investigation they told me this is not fraud because it transferred by your device and recently i asked again to open a new claim but they refused and told my this is not fraud so i dont know what should i do so i make a claim in your web site and i doint know it this relevant to you or not Thanks XXXX XXXX XXXX
Product: Checking or savings account

Currently I have an account type with Wells Fargo that gives me interest on my checking account. They are discontinuing that account type, and I do not qualify for a new checking account that is also interest bearing. This change hurts me as a consumer ( admittedly not much, but the interest on my checking is something that they are taking away ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2021 Amounts : 0 Actions : Close my account by Discover Bank I applied for a credit card on XX/XX/2021, and I provided all the information for the verification process. However, since I received the card on XX/XX/2021, this card was placed on hold and I never have an opportunity to use it. On XX/XX/2021, Discover Bank just send an email to me stating that " we have closed your Discover card account effective immediately ... We will report to the credit bureaus that the account was Closed by Grantor. '' Such closure was made without any details. 

Due to such closure, my credit score will be negatively affected. It is unfair because I do not have an opportunity to enjoy the benefit on this card while Discover bank puts my credit score at risk. 

Even though I have talked with Customer Service many times, they failed and refused to provide any details about the reason for closing. It will unfair for me to suffer from a reduction of credit rating without knowing the reason. 

Besides, such closing was made without any prior notification to me. I do not have an opportunity to provide further information to the Bank in order to protect my right to fair credit rating.

Such action has infringed my rights under Fair Credit Reporting Act. Such a report on closing my accounts will damage my credit score and further assessment of my credit history.
Product: Credit reporting or other personal consumer reports

I'm rewriting to complaint to TRANSUNION about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, and I go by XXXX XXXX XXXX XXXX 
My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and noticed the following errors. 
1 ) XXXX, XXXX, and XXXX Acct # XXXX Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This looks like someones medical collection as well, which is a HIPAA violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. Please DELETE this collection as soon as possible.
Product: Credit card or prepaid card

Ok so my mom bought me a prepaid XXXX XXXX serve card for XXXX dollars, XX/XX/20 there was a XXXX  dollar transaction, I have no idea on what but its there, Today XX/XX/XXXX I tried to buy something on the XXXX, The preferred payment method I use on PayPal is this prepaid card. 

I attempted to buy something today for XXXX dollars and it said that it didnt go through said I needed to update my payment method on PayPal, So i did, and then I clicked the link that lead me to the PayPal website and I got charge a dollar for activating it I guess, even though it was already on my PayPal account??? 

Then I retried to make my purchase and it failed again, Same thing happend, update payment method, so I did, and it didnt go through again, ( I do that one more time ) Then I thought okay Ill try to add the card with XXXX XXXX and lay with that, so I added the card to it, but it didnt show up in my wallet, so I decided to do it again, ten minutes later I get two charges for XXXX dollars for the XXXX XXXX. So In total I was scammed for XXXX dollars. 

If the card needed an activation fee the XXXX dollar purchase should have been enough to activate it. I want my money back I dont know what company is responsible for this because it could be PayPals fault for charging for a card I already had or it could XXXX XXXX serve because they transactions are there but not on my PayPal account. I looking for a way to get a refund in the XXXX website but theres nothing and since PayPal doesnt have any record of my transactions I cant ask for a refund I want my money back please try to cover most of not all the charges Please contact me at XXXX XXXX
Product: Mortgage

I received my Mortgage XXXX dated XX/XX/2020 which stated my payment due for XX/XX/2020 was {$1000.00}. This was not the same as my normal mortgage payment is {$1800.00}. Because this was different, I contacted Shell point Mortgage Servicing to verify the total payment due so I didn't make a mistake. After two phone calls, I was advised there was {$810.00} on my account that they couldn't identify but it was the difference between my normal payment of {$1800.00} and the amount due on the statement of {$1000.00}. I made that payment. The XXXX statement then showed a late fee of {$26.00} and that the {$1000.00} was on hold as it was listed as a partial payment and I was now late for the balance. I called on XX/XX/XXXX and was told they found the issue and was escalating the case. I then called again on XX/XX/2020 as it was still not cleared up. That agent told me she found everything and re-escalated that case and attached my mortgage statement. Today, XX/XX/2020, it was still not cleared up so I called again and was told that they made the error but they would not credit that amount until I paid the remaining amount and they would not be able to do anything about the late reporting. I followed their instructions and their printed statements. This is their error but I am going to take the serious credit hit on this. I am also currently XXXX overseas making it very difficult to deal with this issue.
Product: Student loan

I called Navient to discuss private loan repayment plan of a monthly affordable amount to continuously pay and my assigned case manager was rude and refused to work with me. I explained what I could consistently pay monthly and she told me there was no payment plan with that option. I told her that's why I didn't want to call because I knew they would not work with me. I finally told her to do what ever and I hung up the telephone in disguise.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in addressing disputes regarding inaccurate information on my credit report. TransUnions negligence has directly impacted my financial well-being and access to essential opportunities, including credit, employment, and housing. 
I have submitted a dispute to Transunion regarding inaccurate or false information on my credit report. The disputed items include XXXX XXXX XXXX XXXX /has a balance of {$610000.00} but also a high balance of {$550000.00} However it was discharged on XX/XX/XXXX and currently has a {$0.00} Balance. 
XXXX XXXX XXXX : XXXX refuses to provide a debt release by the original creditor. This violates FCRA 15 USC : 1692c, 1692g, 1681 e ( b ) ; 15USC 1635 XXXX XXXX Treasury Acct : XXXX : This account was paid in full on XX/XX/XXXXXXXX XXXX XXXX  XXXX It is being reported as a Charge off. That is incorrect. The account has been paid in full since was closed on XX/XX/XXXX XXXX : XXXX refuses to provide a debt release by the original creditor. This violates FCRA 15 USC : 1692c, 1692g, 1681 e ( b ) ; 15USC 1635 Hard Inquires : I have called TransUnion and verbally asked for them to remove the following Hard Inquires due to fraud but they wont delete it immediately and will only consider deleting them by mail : XXXX XXXXXX/XX/XXXX, XXXX Card. XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XX/XX/XXXX Despite my efforts to provide detailed explanations and supporting documentation, Trans Union failed to fulfill its responsibilities under the FCRA, including : 1. Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion is required to investigate disputes within 30 days. However, TransUnion failed to conduct a proper investigation, which is a violation of this provision. 
XXXX. Failure to Notify Consumers of Investigation Results : According to 15 U.S.C. 1681i ( a ) ( 6 ), Transunion must notify consumers of the results of their investigation within five business days of its completion. I did not receive adequate communication regarding the status or results of my dispute. 
3. Failure to Correct or Delete Inaccurate Information : As mandated by 15 U.S.C. 1681i ( a ) ( 5 ), when information is found to be inaccurate, incomplete, or unverifiable, TransUnion must promptly delete or correct it. The disputed items remain on my report despite clear evidence demonstrating their inaccuracy. This has caused me denial of credit, higher interest rates, loss of job opportunities, and emotional distress.
Product: Student loan

In XX/XX/XXXX I filed paperwork to be put on the cheapest repayment plan based on my income. Instead, they placed me back on the plan I was on. I have called multiple times and was told yes this was their error and it would be fixed. I had to resubmit paperwork twice. It is now XX/XX/XXXX, I spoke to them yesterday and they said they made another error and it will be XXXX before I can begin making payments. I am wanting to make payments to count towards the public student loan forgiveness. Almost {$1000.00} in interest has accumulated since their error in XXXX and they are refusing to refund me that amount. 

Also, in XX/XX/XXXX and XX/XX/XXXX I made 11 payments under the IBR repayment plan which would qualify for XXXX. After I submitted paperwork, I was told only 2 payments qualify.
Product: Payday loan, title loan, or personal loan

I took out a loan with Titlemax.. The lady explained that my payments would be {$110.00} and that I would be paying for 24 months. I thought is was a regular loan that you make monthly payments on. 
It was not explained correctly. It is my fault for not clarifying how the loan was to be paid. However, Of the {$1000.00} I borrowed I paid back over {$3000.00}. Interest rate was 152 %. The car was destroyed and I continued to make payments until I just couldnt anymore. After years they are contacting me to pay it off. This company received 3x their money back. Enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my EQUIFAX credit report through their website online XX/XX/XXXX. Then I decided to freeze my account, also done online. The last step in the Freeze process provided a page that " confirmed my transaction was successful, '' and provided a web link to a PDF that contained my Freeze PIN. I clicked on the link as directed and the PDF never loaded. Therefore, I never got my PIN. 

I called the phone number on the confirmation page, and the CSR told me she could mail the PIN to me and I would receive it within 7-10 working days. I requested the PIN immediately, because my EQUIFAX credit is now HELD HOSTAGE by them, and I am unable to manage MY OWN credit account. To make a long story short, over the last two days I've spoken with several EQUIFAX people, XXXX, XXXX, XXXX, XXXX and XXXX. ( Several of these people have foreign accents so thick that I couldn't understand them. ) Every one of them REQUIRES me to provide the last 4 digits of my Social Security number in order for them to help me. I refused to do so, because Social Security numbers are meant to be used ONLY as a vehicle for a person 's account with the Social Security Administration. 

XXXX, the last person I spoke to ( who refused to give me her last name initial, location or department name ). Instead, I wanted her to use the confirmation number on the credit report I pulled. She refused. ( She was at XXXX. ) At this point, I have no expectation that I will ever receive my EQUIFAX Credit Report PIN. The EQUIFAX online credit account Freeze process is misleading and unnecessarily difficult. By the way, I froze my XXXX  and XXXX accounts also on XX/XX/XXXX, with no problem whatsoever. 

PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX There is information on my consumer report that is a result of identity theft. 
I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact b me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XX/XX/2023 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You
Product: Debt collection

This complaint is towards Jefferson Capital Systems. There is a collection on my account from XXXXXXXX XXXX that I have disputed various times. I have included the fraud report issued due to my previous spouse opening the account without my knowledge. To add to XXXX illegal tactics that have re-aged this account multiple times. This account was opened in XXXX and went unpaid during that time. This account however shows opened XXXX. I have made continuous attempts to get this resolved with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; how are you?     My credit report states that my oldest credit line is 15 years, but, in actuality, it is more like 27 years.     Please advise. I look forward to hearing from you soon.     Thanks so much ;  XXXX   XXXX
Product: Debt collection

DNF ASSOCIATES : repeated emails. I asked for debt validation 3 times in the form of a signed letter and did not receive.
Product: Student loan

I believe I 'm being over charged for my loans and I 've paid directly to the University without using the loan. I was told I paid off my debt from the school. But the loan service Navient says I owe them money. I want to reduce my billing or become debt free because I think I 'm being overchanged for services I did NOT use.
Product: Credit card or prepaid card

The Discover Credit card does not want to hear and consider that facts that I am showing about the fraud on my credit card.

As I explained to the representatives at the Discover that i was away for work my card was charged at several locations in a different state. There was also a charge from XXXX   store and i was told by Discover that it delivered to my address.

1. I did not make the purchase/order from XXXX, which from what i was told was for 10 XXXX or so.

2. I did not give Discover permission to charge the card ( i was told by Discover that someone allowed the purchase to go through. ) 3. Discover card does not want to acknowledge the fact that i was away from New York in XXXX   when the orders and the charges were made. I am sure it is possible to track where the order was made and how and by who.

4. THE MOST IMPORTANT. The only fact that the Discover Credit card relies on and does not want to hear me, is that the delivery was made to my address and it was signed for it with my first name.

I however several times tried to prove that i did not receive the delivery and i did not sign for it. The fact that the investigators, discover card and XXXX XXXX. can not find the suspect does not make me responsible for the charges.

I am sending proof of three official government issued Identification cards and each of them has my signature on them that do not match the signature that was signed for the delivery.

If discover claims that it was delivered to my address and signed, it could have been received by anyone, outside, in the lobby ( because i live in an apartment building ) in the hallway.

So it is up to investigators and Discover to find who made the purchase and who received it. Also for the XXXX company who delivered the package. If the package was for an amount over 10000 dollars they of XXXX products they should have checked who they were delivering the package to, by at least checking the ID.

Once again please hear and read my information and do not only rely of things that favor you Discover Card and make conclusion without ALL the facts.