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

A dispute was filed with Experian, XXXX and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. Experian and XXXX have not removed the fraudulent information. XXXX XXXX XXXX  sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account from XXXX XXXX with Transunion. XXXX   and XXXX aprox. XX/XX/19. XXXX did not verify the account with either of the reporting agencies. XXXX and XXXX removed the account from my report, but Transunion failed to do so and is in violation of the FDCPA.
Product: Checking or savings account

I called chime customer service and thought I was talking to a representative who then. took remote access of my phone and transferred all my funds from my XXXX XXXX and savings account to my checking and transferred all my funds to his account I disputed it with chime, and they denied my dispute
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and also the XXXX data breach. Attached and below are a list of fraudulent inquiries also attached is a copy of my identity theft report with all fraudulent inquiries listed. 

Transunion fraudulent inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

on XXXX we had a phone conversation ( XXXX ) XXXX with XXXX XXXX/Supervisor representative for US West Collection Agency. XXXX was able to determine that the account belong to XXXX XXXX and asked for a formal written notice with subject line " dispute acct # XXXX '' we did just that on XXXX XXXX promise to send a validation letter within 30 days. today is XXXX and we still have not received anytime type of correspondence other than he was on vacation and is waiting to hear back from their client. This has caused a major hardship on my credit and ask it to be removed immediately. 

original creditor : XXXX XXXX XXXX {$3400.00} Collections agency US Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Student loan

I have made several attempts to speak with wells fargo on my student loans but they do nothing and refer me to other departments. They want to refinance all loans by reconsolidating but require 3 co-signers. I cant get a third cosigner. They will not work with me. They send you a resolution that is not achievable and you all accept it as good enough to close the complaint, yet nothing has changed and my variable interest rate loans continue to increase in payment size. I will not be able to pay the payments any longer because the payment amount just went up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # XXXX has violated my rights. 

XXXX CARD Account # XXXX Has violated my rights XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, Experian and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

the answers should be clear in the attached memos from Experian deleted the account in collections from my report a year or two ago. Its back. Its very upsetting and frustrating since it has negatively impacted my credit score again! I want it removed and fixed please!!
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint regarding an unresolved issue with Klarna. Recently, I made payments for purchases using Klarna and subsequently received a refund. However, instead of the refund being returned to my original payment method ( my card ), it was deposited into my Klarna wallet/balance. 

I never enabled this option for refunds to go into my Klarna wallet. Despite reaching out to Klarna support multiple times and repeatedly requesting that the refund be sent to my original payment method, I was met with unhelpful responses. Their representative insisted that the feature must have been enabled on my account, even though I did not authorize or activate this option. 

I escalated the issue to speak with a supervisor several times, but Klarna failed to address my concern adequately. They continue to refuse to transfer my refund back to my card, which is the default expectation for refunds. Instead, they are keeping the funds locked in the Klarna wallet, forcing me to use it for future purchases, which I do not want. 

This experience has been frustrating and feels unfair. Klarnas inability to resolve this issue is unacceptable, and I believe they are not acting in good faith. 

I kindly request your assistance in ensuring Klarna refunds the amount to my original payment method as I initially requested. I have attached screenshots of my communication with their support team as evidence.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX  6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Checking or savings account

A correspondence dated XX/XX/2020 was sent to USBank requesting {$190.00} ( now {$190.00} ) in errant " Monthly Maintenance '' charges be refunded back to my account. I have been fully complaint with the terms which would prevent these fees.
Product: Mortgage

Our mortgage loan is with loanDepot.com. When we applied for the loan, the agent, XXXX XXXX, structured our loan knowing that after we closed on the new house, we were going to sell our current home as soon as possible and recast the mortgage. She developed a loan with XXXX % down payment, and financing XXXX %. In order to do that, however, we learned after the contract offer was accepted by the seller, we had to convert an annuity contract into an IRA, which cost us {$7800.00} from the annuity. 
I contacted a mortgage officer with my bank XXXX XXXX and this officer asked me several more questions about our financial picture, questions not asked by XXXX XXXX. He found a way for me to structure a loan with XXXX % down, finance XXXX  %, and I would be able to keep the annuity intact. By then, however, in order to change mortgage companies we would have had to go back to the seller to explain the changes, and the seller would have the option to cancel the contract. We decided to stick with loanDepot and not risk losing the contract. 
XXXX XXXX informed me that recasting the loan was sometimes not possible, but she told me in all likelihood it would be available to us. She did not tell us, however, that loanDepot has a XXXX interim servicing period of the loan, during which they decide whether to sell or transfer the loan. I made a strong objection to this, but was told by her boss, XXXX XXXX, that XXXX XXXX had told me everything I needed to know and that she had gone above and beyond her duties in assisting us. After this condescending and disingenuous response I decided to contact CFPB. I know it is too late to save the annuity contract. XXXX XXXX simply did not probe deeply enough in our finances to figure out the better way to structure our loan. I don't see why I have to wait the full XXXX days for loanDepot to decide what to do. I want to recast the loan now. We have sold our former home, and I made a large payment to loanDepot to pay down the principal to approximately {$73000.00}. I want to recast the loan now.
Product: Debt collection

I am disputing the inclusion of certain accounts on my credit file, asserting that they violate my federally protected consumer rights under the Fair Credit Reporting Act. These accounts must be promptly removed to comply with relevant legal provisions.
Product: Debt collection

IN VIOLATION OF FCRA, FDCPA AND TCPA. ( SEE ATTACHED LIST )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from Suntrust shared my information with multiple financing companies who have pulled my credit report without my authorization but they claim it was with SunTrust authorization.
Product: Debt collection

was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income.
Product: Checking or savings account

On XX/XX/24 at XXXX XXXX XXXX For {$120.00}, this amount was placed on different card and the pending status remains from that date, the merchant was already paid on XX/XX/24. 

On XX/XX/XXXX XXXX XXXXXXXX XXXX for {$150.00} This was an amount placed by policy of the hotel to cover incidentals, of which I had none so they typically allow the transaction to expire without further processing, however I feel that Chime will not be returning my funds for several weeks as this appears to be their typical process for return of funds from pending transactions which are no longer pending but Chime waits an unreasonable amount of time before returning customer monies.
Product: Credit reporting or other personal consumer reports

Ive attempted to send a digital dispute to Experian regarding the myriad of inaccuracies on my credit report including my name and address history their are several variations of both which are negatively affecting my credit worthiness. Experian 's website does not allow me to select the proper reasons for a dispute or to dispute the information they are holding as valid, this information is unverified per the FAIR CREDIT REPORTING ACT and I demand verifiable proof that these account details are verified.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX.
Product: Student loan

I AM CONCERNED ABOUT THE ARTICLE I READ XXXX FINANCE ABOUT STUDENT LOAN CANCELLATION FOR STUDENT WHO ATTENDED XXXX  XXXX XXXX DECEPTIVE AND MIS LEADING PRACTICES ESPECIALLY XXXX  GO BACK SCHOOL WE HELP YOU FIND JOB ADVERTISING DIFFERENT AFFILIATES WHO THEY PARTNERED WITH. 

PROBLEM I HAVE IS THAT MYSELF AND THOUSANDS OF OTHERS WHO ATTENDED FROM XXXX, XXXX XXXX UNTIL XX/XX/XXXX. ARE NOT ONLY BEING LOOKED OVER BUT WE WERE THE VERY STEPPING STONES USED AS DECEPTIVE AD TO HAVE OTHERS ENROLL IN PROGRAM. I WAS RUNING XXXX XXXX XXXX XXXX AND XXXX XXXX WHEN THEY DUPED ME INTO GOING BACK SCHOOL. XXXX  YEARS LATER STILL SAME BOAT. 

I AM REQUESTING ACTION AGAINST XXXX XXXX XXXX AND FTC FOR OVERLOOKING IMPORTANT KEY FACTS TO WHAT WAS HAPPENING. 

I EVEN OFFERED TO MAIL XXXX XXXX XXXX XXXX XXXX  BACK TO XXXX  AT XXXX XXXX XXXX XXXX USELESS. 

I AM AM THAT NOT ONLY MY COMPLAINT BE HEARD BUT HOLD XXXX  XXXX XXXX ACCOUNTABLE FOR THERE ACTIONS VOLUNTARILY AND INVOLUNTARILY. I HAVE FILE COMPLAINTS BEFORE AGAINST DECEPTIVE PRACTICE. I SUFFERED XXXX XXXX TRYING TO RESOLVE ISSUE ABOUT XXXX  XXXX XXXX. I AM SURE THAT THEIR ARE OTHERS OUT THERE WHO ATTENDED XXXX  XXXX  XXXX DURING XXXX FEEL SAME WAY AS I DO. I AM FIGHTING TOOTH AND NAILS ABOUT WHAT RIGHT. 
CANCEL MY XXXX XXXX ALSO. 

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

I called trans union several times and can not reach a person to address the fact that the XXXX XXXX XXXX  credit not only had no late payments but was paid off Witt a clean account that then closed with XXXX balance as well. They show it with XXXX payment abs derogatory notes on payment history. I still need this fixed. I called XXXX. They said it was never late enough to report to a bureau, so I am not sure what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a third written signed and notarized request for Experian Credit bureau to investigate or Verify information on my Credit report. It has been 30 days or more under the FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( A ) They have not sent me any documentation in regards to there investigation. I feel they have not even investigated the accounts on my credit report. I never received any written notice and my account has not been updated I still have not heard from Experian or received documentation or proof of said accounts to be correct.
Product: Credit reporting or other personal consumer reports

NOT DEBT VALIDATION REQUEST. My rights have been violaoted In re XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX XXXX ) they ruled if a financial institution has filed a Form 1099C with the Internal Revenue Service, cancellation ordischarge of a debt has, in fact, occurred.

They stated it was inequitable for a debtor to claim cancellation of debt income as gross income while still allowing the creditor to then collect it from the debt and that issuance of a 1099C, when coupled with payment of income tax, cancelled an otherwise collectable debt. 

You are therefore violating the 15 USC 1681eb for maximum accuracy by inaccurately reporting INCOME as a debt .ALSO Income is prohibited from consumer reports.These are the violations : XXXX XXXX FAILURE TO RESPOND SATISFACTORILY TO THIS MATTER MAY RESULT IN A SMALL CLAIMS ACTION AGAINST YOUR COMPANY SEEKING {$1000.00} PER VIOLATION FOR : 1.DEFAMATION 2.NEGLIGENT ENABLEMENT OF IDENTITY THEFT 3.BLATANT VIOLATION OF MULTIPLE FCRA VIOLATIONS
Product: Debt collection

On XX/XX/XXXX a debt collection was added to my credit report which significantly affected my XXXX XXXX. The company Phoenix Financial XXXX is claiming a debt of {$740.00} for which I never received a written bill, statement or proof of services. They are claiming this was from an ambulance use back in XXXX and 4 years later they are claiming this amount is owed, even when I have not received any written bills since then. I also had medical insurance through XXXX XXXX at the time which would have notified me if I owed any out-of-pocket amounts for medical bills, but no company notified me of any debts in writing. I attempted to ask for written proof of this amount owed to the debt collection company and I was yelled at - the representative said that I needed to pay over the phone right there and then while raising his voice. I said I needed to see a written bill before providing any financial information over the phone. I think this debt has been unfairly added to my credit report and it is violating my rights as a consumer according to the FDCPA due to failure to validate debt.
Product: Credit reporting or other personal consumer reports

This is about complaint ID XXXX which was closed on XX/XX/2024. I received a letter stating that I had until XX/XX/2024 to send documents supporting my claim to the Equifax XXXX. I wasn't able to provide documentation by that date due to XXXX XXXX I sustained from a XXXX XXXX and a XXXX XXXX. I am sending the documents requested by Equifax by mail. They shall receive proof of XXXX and proof of expenses due to the breach. I was told by XXXX it would be best if I start a new claim.
Product: Vehicle loan or lease

America First Credit Union committed fraud and acted in bad faith concerning the loan agreement on my XXXX XXXX XXXXXXXX. First they did not disclose to me that I was not getting to loan from them. They didnt lend me money, they actually borrowed money from the federal reserve which is actually my money and they want me to repay their loan. Not disclosing they were not actually lending me money is a breach of contract. They also acted in bad faith by not giving me a copy of the loan contract. I cant see what happens of I cant pay my loan. I cant see if they gave me a secured or unsecured loan.. They could have used the money in my account as security, I have no idea. They wrote off the debt I never borrowed from them, and they closed the account. Then they repossessed my vehicle. They know why I cant repay their debt. They know I experienced identity theft and my bank account was drained. They also acted in bad faith when they allowed someone to spend all my money and did nothing to stop it even though it says right on their web page they know when someone is spending different that they normally do. They say I'm responsible because I allowed my boyfriend to hold my card. But the police did an investigation and determined he was not the person who spent all my money. It makes no difference if he did or didnt have my card or pin. The police investigation concluded he didnt spend the money. I had insurance on it and I had been to the credit union numerous times telling them to watch my account closely. My ex husband had been hacking my phone for years and he offered to prepay me alimony and child support. My theory is he waited until I had a boyfriend and then spent my money. He lied in the police report when he said he never had access to the account. I had this account for years during our marriage and it was the account he wired {$86000.00} to. He had access to my account number during our marriage. All our legal documents were in the same file cabinet. I was so afraid he was trying to steal my identity that I asked the bank tellers to identify me by XXXX XXXX XXXX to open my safe deposit box. He worked with a girl that could've been my twin. I demand my XXXX  be returned to me. The bank is not out a dime. All debts are prepaid by the US Government. Kindly return my property.
Product: Vehicle loan or lease

AUTO LOAN WAS PAID IN FULL AFTER AN ACCIDENT TOTALLED THE VEHICLE. ALLY FINANCIAL INCORRECTLY STATED WE ORIGINALLY STILL OWED A FINAL PAYMENT ON THE ACCOUNT. WHEN WE HAD ALL THE PAYMENT HISTORY PULLED, IT WAS PROVEN WE DID NOT HAVE ANY REMAINING PAYMENTS DUE. I REACHED OUT TO ALLY FINANCIAL AND WAS ADVISED THE TITLE WOULD BE RELEASED TO THE INSURANCE COMPANY & OUR ACCOUNT STATUS WOULD BE UPDATED. THIS WAS BACK IN XXXX  AND AS OF TODAY, XXXX, ALLY FINANCIAL IS STILL REPORTING TO THE 3 MAJOR CREDIT BUREAUS THAT THE ACCOUNT IS STILL IN DISPUTE AND MY CREDIT REPORT IS STILL REFLECTING I OWE A REMAINING BALANCE. I HAVE ATTEMPTED TO REACH OUT TO ALLY BANK NUMEROUS TIMES OVER THE YEARS AND I GET NO RESOLUTION.