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

I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX  didn't reach out to the report companies to remove the lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies in this complaint are illegally reporting inaccurate information on my credit report.
Product: Vehicle loan or lease

Since Wells Fargo is the bank I was approved for financing I would like Wells Fargo to answer me and the Consumer Financial Protection Bureau with what Wells Fargo agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fight XXXX and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Further more under Federal Notices it says What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your drivers license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? Secondly 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? Thirdly why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. Point Five, What does XXXX XXXX in their letter to me mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.
Product: Credit card or prepaid card

My name is XXXX XXXX, I live in XXXX XXXX, Nevada Most people consolidate their debts by moving the balance from high interest credit card to lower interest credit card. That was exactly what I did. 
Back in XX/XX/XXXX, I requested a check of {$1000.00} from Capital one ( account # XXXX XXXX XXXX XXXX ) to pay my other credit card name XXXX XXXX  ( account # XXXX XXXX XXXX XXXX ). And I expected that my XXXX XXXX  credit card was paid off. But after 2 months, I received statement from my XXXXXXXX XXXX credit card that the balance was not paid but Capital One was charging me the {$1000.00} that they were supposed to pay for me. Then I immediately called Capital One and found out that they did send out a check of {$1000.00}. But instead of sending the check to XXXXXXXX XXXX, they sent the check to XXXXXXXX XXXX. A copy of the check front and back is enclosed below. I called the Capital One several times, I even spoke to the manager and the manager called XXXXXXXX XXXX, we were on 3 ways call, but the XXXXXXXX XXXX were not able to locate where the {$1000.00} was. 
In the mean timem since the check of {$1000.00} was sent out, Capital One was charging me the interest of it. And since my XXXX XXXX  did not received payment, they were charging me late charge plus interest. I am now paying interest on both account. 
I called the XXXXXXXX XXXX  myself, because I do not have an account with them, they could not help me. In the back of the enclosed check below had lots of numbers. I am sure that those numbers tell where the money went to. I had been paying interest on both credit cards for more than 4 months. 
I am writing you this lettert and I hope that you can help me to investigate in this matter. 
Your help is greatly greatly appreciated! 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute the ongoing verification of an account listed on my credit report. The attached letters provide clear evidence that the information being reported is inaccurate. Despite this, the incorrect information has not been updated or removed and continues to appear as accurate.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a thorough investigation of disputes and the correction of inaccurate data. I request that you promptly reinvestigate and ensure the inaccurate information is corrected or removed from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received Transunion 's investigation response on XXXX XXXX XXXX per the CFPB website. It appears that despite the multiple errors and inaccuracies that were circled on the credit report and provided for their review; they still simply responded with the following : XXXX-VERIFIED AS REPORTED ( 6 ) This either means they really didnt look at any of the documentation which is proof of multiple errors. Or they reviewed it and simply ignored my legal rights to have accurate and fair reporting on my consumer profile. Either way they are in violation of : 15 USC 1681 E ( b ) Accuracy of report & 15 USC 1681 I ( 7Description of reinvestigation procedure.

They are providing general and generic descriptions to the investigation process which provides no specific details as to how they are driving at accounts as verified as reported when there are clearly multiple inaccuracies. 

Transunion is not taking my matter seriously and I believe that there whole investigation process is a scam. I recently pulled my credit report On XXXX XXXX XXXX and discovered that all the accounts they said are accurate are ALL still wrong! I will uploaded a copy of the current report showing there are still errors. 
I require these accounts be deleted immediately upon confirmation per guidelines of FCRA. 
15 USC 1681 I ( 5 ) Treatment of inaccurate or unverifiable information. 

Complaint filed with XXXX
Product: Debt collection

AES collects on loans that NCT has purchased but they have never sent me proof that NCT owns this debt, the only item I have received was a loan agreement that I signed with XXXX XXXX XXXX. AES is committing fraud against me which I have recorded calls on my phone because they also lie about everything and does not have any knowledge of what they are collecting on. I have spoken to NCT and they acknowledge that NCT is a trust and does not make any decisions on the loans which AES claims they do. I also spoke with XXXX XXXX and he acknowledged that AES can remove any negative marks they put on someone 's credit and not sure why they told me to contact NCT. The whole company of AES are idiots and should be shut down. I can get correct information from other companies but AES hire people that do n't know anything plus they are recording people 's calls without giving them the disclosure which is illegal.
Product: Checking or savings account

I asked about the charges on the account due to the fact I overdraft a certain amount and they charged me double that to reopen my account after they revoked me access to my account. I asked how the debt became so high and I was told overdraft fees charged by navy federal. I also had some government payments sent back that I never received because they closed the account at the time.
Product: Credit card

The FCRA helps protect the fairness, accuracy and privacy of consumer credit information. The Credit CARD XXXX and the XXXX XXXX are other acts associated with the FCRA. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) enforce the FCRA per Capital One. Capital One closed my account while I was enrolled in the specialty assistance program, that is supposed to suppress fees. I spoke with XXXX, id : XXXX, who informed me I would not have any fees while going through this hardship. I was in fact charged fees and my account was closed. This has been detrimental to my credit as I have been denied for housing, a vehicle and other things. I also received a " member fee '' of {$39.00} that I had no knowledge of. As I was approved for a secured credit card, not with fees. I will be filing complaints with other entities as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Experian 's Request and complaint ID I have attached the documents as requested. 
Experian Itemized Violations Invoice and XXXX, the Consumers " Actual Damages '' in response to the violations at hand. It is clear and concise how I have opted out of a credit authorization however due to the willful and intentional negligence of the agents at FAIRWAY INDEPENDENT MORTGAGE COMPANY, I have endured multiple injuries causing an overall downfall in my right to receive goods for my personal use ( Regulation Z ). It is their duty and performance to make accurate decisions especially in consumer credit transactions.
Product: Credit reporting or other personal consumer reports

Nelnet managed my refunded student loan after the student loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
Product: Credit reporting

I have disputed the XXXX account on my credit report. This account do not belong to me. I have asked XXXX to send me information with regards to this account and I have not received any response back from them. This is because they do not have any documents with regards to this account. I would like Transunion to remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX XXXX  Account Number : XXXX Inaccurate information Date last active Date last payment Date Reported and Date open were incorrect and Failure to perform and investigation per FCRA REGULATION 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Inaccurate information Date last active Date last payment Date Reported and Date open were incorrect and Failure to perform and investigation per FCRA REGULATION 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Inaccurate information Date last active Date last payment Date Reported and Date open were incorrect and Failure to perform and investigation per FCRA REGULATION 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, Delete this immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, Delete this immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Inaccurate information Date last active Date last payment Date Reported and Date open were incorrect and Failure to perform and investigation per FCRA REGULATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 
The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My vehicle Loan with Navy Federal Credit Union was charged off in XX/XX/2015 after repossessing the vehicle in XX/XX/2015. Navy Federal shut down all access to my account and I was a victim of their unfair debt collection practices. I was never contacted by Navy Federal Credit Union after they were found to have violated their customers rights. I have tried to contact them to alleviate the problem and I was treated terribly. I don't believe that this company has learned from its past mistakes.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have registered a complaint few weeks back and still my issue is not resolved. With the credit card company I have informed it on the month of XXXX, for the transaction made on the month of XXXX, XXXX and XXXX. 

I have a bill of {$1300.00}. And all those transactions are fraudulent and tried to dispute it with my credit card issuer i.e. Citi Bank. 

They have disputed few of the transactions but not all, still {$1300.00} is yet to be resolved.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 15 USC 1681 section 602a, which mandates fairness, impartiality, and respect for consumer privacy by consumer reporting agencies such as Equifax. I assert my right to safeguard my private information as supported by 15 USC 6801. Furnishers of information to credit agencies, being financial institutions, must respect customer privacy and security according to the same title. However, they have not obtained my written consent, as required by 15 USC 1681 section 604a ( 2 ), to furnish this information. Additionally, 15 USC 6802 ( b ) ( c ) obliges financial institutions to inform consumers of their nondisclosure options, which was never done in my case. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information without consent, which Equifax is violating. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e dictate accurate information reporting and reasonable procedures maintenance, which Equifax is not complying with. Finally, 12 CFR 1016.7 grants me the right to opt out at any time, which I am exercising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.