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

My student loans were transferred from XXXX to XXXX by XXXX of XXXX. However, Experian is still showing that the XXXX accounts have a balance. I filed a dispute on XX/XX/XXXX and provided the loan verification letter from XXXX showing my {$0.00} balance with them. The dispute was responded to on XX/XX/XXXX with the erroneous information still on my credit report. As suggested on Experian 's website, I called XXXX and was told by their customer service that XXXX does not report account statuses as closed in these situations, but rather it simply stops reporting the balances and thus credit report companies should stop showing them. XXXX and XXXX do not show that the XXXX loans are still active, so that does track with XXXX 's response. I then called Experian and spoke at length to their customer service representative. I learned that this is a very common problem between XXXX student loans and Experian credit reporting, and that all I could do was resubmit the dispute again. I did resubmit the dispute to Experian, and along with the loan verification letter from XXXX showing the XXXX balance, this time I included the letter from XXXX which I received on XX/XX/XXXX that confirms that my loans would soon be transferred in full to XXXX. I received a dispute response on the very same day ( XX/XX/XXXX ) again closing the issue without removing the incorrect data from my report. 

I have read online accounts of others in the same predicament, in which some kept resubmitting again and again and again, and others who were assisted by Experian in a more timely fashion ( among various other fates ). If Experian knows this is happening, then simply directing people to resubmit the same dispute electronically rather than helping in person especially when one calls them on the phone feels like Experian is trying to make XXXX change its process at the expense of my credit. I am applying for a mortgage, so having twice the amount of my actual debt is not at all ideal. I have no idea how many times I'll have to resubmit the same dispute before Experian finally updates the information, and in the meantime it has a real impact on major financial activities.
Product: Credit reporting or other personal consumer reports

My Bankrupcty was discharged on XXXX creditors failed to update report with the correct information as accounts being in XXXX XXXX discharge thru XXXX. I have asked over and over again for the Credit bureau to fix this issue send information from the courts and a list of creditors. Still nothing. 

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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXXBalance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$790.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$790.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Product: Credit card or prepaid card

On the morning of     XXXX   XXXX      2017 I lo gged in to my  XXXX  checking account to check my balance. There was an {$85.00} ACH withdraw from my account for a payment to a  Kohls  credit card with the name  XXXX   XXXX . I do not have a Kohls credit card. My wife does, but we use a different checking account to pay her bill. I first verified that the payment did not somehow go to my wife 's card. It did not. I contacted my bank and they told me I had to submit an ACH charge challenge to have the matter investigated and have the money refunded to me, but it could take as long as 45 days. They advised me to contact Kohls and explain to them what happened and that they could possibly remedy the situation faster. This is where my actual complain starts. I contacted  Kohls  and explained to them what was happening. They stated there was nothing that they could do and that they could not find the transaction I was referring to.   Here are my complaints :  1 . I do not believe a company should be allowed to process financial transactions if they do not have the ability research and find the transactions they process.    2.  I believe a company should be required to take some kind of action when they are notified that possible fraudulent activity has occurred.    3.  I believe their should be some kind of consumer protection for innocent victims, such as myself, that requires a company to take some kind of action when they have negatively impacted someone financially.  <P/> I filed a complaint th rough the Better Business Bureau . The response from Kohls was essentially them stating there was nothing they would do. A company should not be allowed financially harm someone and then do nothing to assist in the solution.
Product: Checking or savings account

It sounds like you're writing to the Consumer Financial Protection Bureau ( CFPB ) to report unauthorized transfers from your account. Here 's a draft of your letter based on the details you've provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The address the of the fraudlent chase bak account was opened on listed is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ca XXXX please help i have serious disabilties and. Really cant be working i could use my stolen finds despretly rught now thank you XXXX Consumer Financial Protection Bureau 1700 G Street, NW XXXX  XXXX DC XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding two unauthorized transfers from my bank account, each for almost {$2000.00}. These transfers were made to a XXXX XXXX  account without my knowledge or consent. At the time of the transfers, I was in a mental rehabilitation center from XX/XX/XXXX to XX/XX/XXXX, which significantly affected my ability to manage or monitor my financial accounts. 

When I recently attempted to access my credit account information, I was shocked and distressed to discover these transfers. I had no knowledge of, nor did I approve, the creation or access of a XXXX account in my name. I am deeply concerned that my personal information may have been compromised during this period.

I request that the Consumer Financial Protection Bureau investigate this matter and help ensure that the unauthorized transactions are fully addressed. Additionally, I ask for guidance on how to proceed with disputing these charges and securing my accounts moving forward.

Thank you for your prompt attention to this serious matter. I look forward to your response and assistance in resolving this issue.

Sincerely, [ Your Full Name ] XXXX XXXX  Make sure to adjust the details where necessary and include any relevant account numbers or reference information if required. I hope this helps, and I wish you the best in resolving the issue!
Product: Credit card or prepaid card

My credit file is monitored, on XX/XX/2019 I recieved notification of a credit inquiry by Chase. I XXXX and advised that I hasd no account with chase nor had I applied for any type of account with Chas. 
The number provioded on the inquiry doid not work, so I could not reach Chase to complain. On XX/XX/2019 I recieved a welcome letter from from Chase regarding my new account. When I contacted CHase to advise that I had not applied for any card with CHase the represenatoive requested my sovial secuirty number, which I refused to provide. After some effort she did locate an account and advised that she would make the notation that this was not my account. 
On today I recieved a new credit card in the mail from Chase. 

How does a bank establish a line of credit for someone who has not requested it. What actions can I take to protect my self from thois predatory lending practice. 

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

There are 4 inquiries on my credit report that I didnt give any authorization or approval to put on my credit report these are the Names XXXX XXXX Truist dealer, XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

On the XXXX  day, in the XXXX  month of the two thousand sixteenth year, the consumer authorized the of use credit on their behalf and purchased a promissory note valued at {$21000.00} with the endorsement of said note. A credit account was opened in the consumer 's name, however, the security was never endorsed to the buyer. The seller within this transaction, NAVY FEDERAL CREDIT UNION and its authorized agents, have yet to provide the instrument with both endorsements -- to which the consumer has rights. The consumer is not able to collect payments on this debt owed by the seller as the seller still holds the instrument needed by the consumer to enforce the obligation owned by the seller.
Product: Bank account or service

I have a problem with Wells Fargo Bank. I am a resident of the state of Minnesota. My mother appointed me as her Power of Attorney under a Statutory Short form Power of Attorney XX/XX/XXXX.I had used the Power of Attorney several time at the local Wells Fargo bank until XX/XX/XXXX when my Mother died. XX/XX/XXXX, I added a Payable on Death designation to my Mother 's checking account at Wells Fargo bank in XXXX, XXXX. I met with a banker and filled out the payable on death designation adding myself and my sister to the account and signing as Power of Attorney. It was reviewed by the banker and I was told it was " good to go ''. From that date on, the monthly statement that were sent to my Mother/ and now to her estate, listed the P.O.D. designation on the statement. 
After my Mother 's death, when my sister and I attempted to access the funds as they were payable on death to us, the representative at Wells Fargo told us that the P.O.D. was not valid because my Mother did not initial the P.O.D. designation. In trying to argue this with the local bank we were told that the local bank could not do anything and there was no one at the local bank who we could talk to about this. We were told that this was the advice of their legal department. When we asked to talk to the legal department, we were told that we could not talk to any XXXX directly and that Wells Fargo could not disclose the name of the attorney nor the telephone number of the office where they worked. Instead we were told our only remedy was to fax a letter to XXXX XXXX to a " mythical legal department '' and that someone, some day will get back to us. When we asked how long it would take before we heard from someone they could not give us any time frame. 
In the end we have concluded that it will be faster to probate my Mother 's estate to access this money so that we can pay for her funeral and other expenses resulting from her death.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau that are active, open and paid on time. XXXX do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). XXXX, Trans Union XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. XXXX, Trans Union, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. XXXX, Trans Union, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; Sun Trust Bank : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit card

Bank of America promised XXXX XXXX cash back on home improvements. However, I am only receiving XXXX XXXX. I tried to call for an explanation, but it was impossible to get past the robot recordings, and they were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

ccs credit collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX orginal cerditor XXXX XXXX prop casualty in accordance to a fair credit reporting conversion the said account number XXXX has violate my rights to privacy, acccording to 15 USC 1681 section 602 states that i have rights to privacy 15 USC 1681 section 604 section 2 states that consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online for a free credit report with Transunion and their site kept giving me " bad URL errors and " could not complete request " errors. Then I called on the phone and completed a report order. I received a card in the mail stating that their records show I have already received my free annual credit report in the last 12 months. I have not requested one in over 2.5 years. I tried to call to find out about this since I believe my credit report was requested by someone other than me and they sent my credit to them. I could not get to any human to discuss this issue and the phone would hang up. I believe Transunion has serious security issues and the fact that our personal info is going to people overseas that work for them, doesn't help. My credit security is a HUGE issue, I have worked hard for good credit, I don ' need anyone messing with it and if they sent it out in the last 12 months, someone very well could be using it for their own personal benefit! But I can't get through to this company to get help and I am going to sit and wait for something to show up on my report and then have to go through a lot of work and everything else involved to fix it! THIS NEEDS FIXED IMMEDIATELY! Thank you
Product: Debt collection

A bill showed up on my credit report from this collection agency trying to collect a fraud debt that was not mine from some company called XXXX XXXX. in the amount of {$2500.00}
Product: Credit card or prepaid card

I asked capital one, via telephone to have my account XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX closed on XX/XX/17. They have not provided any documentation that they did so, and they flagged the account as restricted. They will not give me permission to record the conversations but they do. The law needs to be changed to require a email response to the request and there response, as it is now it only protects the powerful at the expense of the consumer. The internet providers are worse they lie and abuse customers with impunity. 
How do I get capital one to close my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section XXXX ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section XXXX ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, XXXX XXXX ( g ) Section XXXX ( XXXX ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Debt collection

I have made 3 attempts with XXXX XXXX XXXX XXXX by certified mail concerning their account number # XXXX for a debt in the amount of {$200.00}. I have notified them this is not my debt and asked how they are verifying this debt. I requested something with my signature instead they sent me an itemized bill. I have requested 3 times something how they are verifying this and something with my signature. They have yet to comply. I have requested the 3 credit bureaus to remove this from my credit file due to XXXX XXXX not providing me with undisputable proof. XXXX and XXXX  have removed it from my credit file. Equifax has responded with XXXX XXXX have verified it with them, but to this date Equifax has not has not or will not provide those facts with me. I want this removed from my credit file.
Product: Debt collection

I noticed on both my XXXX and transition credit that a random debt collection for {$1000.00} showed up on my report. I have no debts owed so I do not know why its on there
Product: Mortgage

I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. 

Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %.
Product: Debt collection

Orion Capital has contacted my girlfriends mother, father and sister. They have never been listed anywhere and their information was gathered unknowingly and they did not consent to being contacted
Product: Checking or savings account

On XX/XX/23, I deposited a check from my childs school to reimburse us for things we purchased for the school into my CapitalOne360 account. On XX/XX/23, the deposit was reversed from XXXX ( their bank ) because ( as I later found out from the school, it was flagged as possibly fraudulent. ) On XX/XX/23 I realized both my CapitalOne savings and checking accounts were frozen. I called and the person I spoke to told me that security would have to contact me, and that they couldnt connect me to them. I called the number which went to voicemail. I left all requested info but never received a call back. I called and left another message each day. I finally called the credit card side and explained my situation. They told me Id have to speak to security and that it showed they called me that day. They did not. I verified the number they had and had XXXX missed calls. I used XXXX XXXX XXXX  to try to get something done and everyone said the same. My childrens school took care of it on their side immediately and said they contacted my bank, but I never could speak to anyone who could verify this. I literally tried everything I could to get some kind of information, bit could not. I did receive a letter in the mail saying security would contact me if necessary. I had XXXX access to my checking or savings accounts from XX/XX/XXXX through XX/XX/XXXX, right before XXXX with no help from the company. No returned calls. No cooperation whatsoever. I couldnt even close my accounts so at least I could get my money. I said I wanted to file a formal complaint and they said they could file that for me. I asked to be copied on any complaint, but again, nothing. The lack of communication caused a lot of XXXX  and I could not get to my money. They treated me so poorly and I felt helpless. We have no local branches so I could not go speak to anyone about it.