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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under
Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Bankruptcy XXXX XXXX Reference XXXX XXXX XXXX
Product: Checking or savings account

I signed up for a Capital One checking account on XX/XX/2023 with a promotional code for {$350.00}. They put my application in a pending state and sent me an email to call them to finish the application on XX/XX/XXXX. I called on XX/XX/XXXX and they would no longer offer the {$350.00}. I think that they intentionally stalled out the application to avoid having to pay the bonus.
Product: Mortgage

Prior complaint  XXXX ,  Bayview  does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for  XXXX  from  XXXX   2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website.   They are sending me foreclosure notices and were calling me for payments even though I do n't owe them.   Of note also is they were using the wrong interest rate a supposedly corrected it.   I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to   XXXX    XXXX
Product: Student loan

I set up my account last year to enable auto payments for $ XXXX. However, my payment was reversed last XXXX and found out about it only XX/XX/year>. I called them and they said that no payment was taken which was impossible as I made sure there were funds in my account every XXXX of the month. I paid the past due and the current and set up the account for autopay by providing the bank info once more. However this XX/XX/XXXX again, the payment did not go through. So I had to go online to manually process my payment. It says it went thru bia email but i monitored my bank to see if the funds were taken. I did not see the amount from my bank account. I checked online if I was the only one who is experiencing this issue. There were so many of us. Please help. I do not want to keep on doing this and then end up being on a default.
Product: Money transfer, virtual currency, or money service

I contacted PayPal to disable the feature that lets you log into your account with just a text code & they refused. I said what happens if I lose my phone, someone can get into the phone by say an easy password, no password or weak phone security. They said you need to call us. I said, no, just disable that feature & allow for use of a password only. They said they could/would not change this for me. 
I believe they are operating in a very dangerous manner, exposing millions of users to potential theft this way. 
My account was connected to multiple bank accounts & a credit card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

In 2019, I tried to do business on XXXX. Because offline business was not very good, I had some products in stock, so I sold my goods on XXXX at a low price, but PayPal didn't know why it took my money away. As a result, my present life is difficult XX/XX/2019 PayPal - negative {$6700.00} XX/XX/XXXX Transfer P PayPal - negative {$6700.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6700.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6700.00} Transaction ID XXXX Seller info PayPal Note {$6700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

I was in XXXX XXXX and went to a bar with a friend XX/XX/year>. At the end of the night when they brought us the bill it was a way higher amount then what we were supposed to be charged and they even added items on the receipt we didnt purchase. ( They also brought us XXXX different checks and the amount started to increase each one ). At the end of the night we should have spent {$63.00} but was charged {$340.00}. At that time I felt like my life was in danger because we tried to argue the amount with the merchant but they denied. We got surrounded and I was forced to pay an amount that was not true. On the receipt they gave us actually shows a lower amount than what we were charged. At the end we met some local friends and they ended up texting us they were sorry for how we were treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealer they told me they were only running my credit through XXXX but it was 26 hard inquiry 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: Money transfer, virtual currency, or money service

I used XXXX to give a deposit for services that were never rendered. Reach out to bank and they stated because it was money transfer and not my debit card, its not protected
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit wise account attached to my XXXX  XXXX account. Today XX/XX/2021, when I went to check my credit score update there was an alert on my account. when I checked the account it said another name was associated with my social security number. The name stated was XXXX XXXX. Credit wise said they received this information on XX/XX/2021 but this was the first time I was informed. My credit card balances are all accurate, I have no false infromation, other than XXXX XXXX name on my account and no money is missing from my accounts. I am trying to file a fraud alert to make sure this XXXX XXXX is stopped from perhaps trying to use my credit, or deplete my accounts. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violations never lived here : XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX {$0.00} US DEPT OF EDXXXX XXXX {$0.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$8300.00} XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Chargeoff Balance Error : This account is incorrectly being reported as a charge of account with a balanced due. Please provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on said accountaccounts. fcra 605b said consumer alleges identity theft, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The law requires companies to delete disputed unverified information from consumer reports as the consumer acknowledges here and today that XXXX XXXX XXXX organization is a UNVERIFIED ENTITY in which the debt of {$920.00} is XXXX XXXX XXXX OBLIGATION to Settle not the consumer. For the harm caused by XXXX XXXX XXXX and XXXX for false representation with the intent to Defraud and Deceive the consumer, compensation is demanded by said consumer in which XXXX XXXX XXXX and or XXXX shall Pay to the order of the said consumer, {$5000.00} contact consumer for further instruction on where to send payment. 

Also Consumer tried calling XXXX XXXX XXXX at there contact number XXXX ( XXXX ) XXXX given from CFPB complaint, but it's no way of speaking with a Live Agent as the contact number given by XXXX XXXX XXXX is an AUTOMATION SYSTEM which can't nor provide help in speaking with a Live Representative to settle the issue at hand, which is another violation to Defraud and Deceive the consumer. 

ALSO REMOVE ALL INQUIRIES XXXX INQUIRIES TO BE EXACT WHICH HAS BEEN DELETED ALREADY BUT NOT REMOVED FROM THE CONSUMER 'S CREDIT ACCOUNT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have checked my credit and I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Student loan

On XXXX XXXX, XXXX I applied for loan consolidation through studentloans.gov. Navient was my servicer at the time so they processed the consolidation. I selected all existing loans on studentloans.gov for consolidation. I didn't leave one out. I wanted everything consolidated. On XXXX XXXX I called Navient and spoke to XXXX to cancel the consolidation process due to error in selecting intended servicer. I had selected XXXX XXXX by mistake. I wanted XXXX to service my loans after consolidation. XXXX told me I had a loan summary letter produced on XXXX XXXX informing me of the details of the consolidation. I had 10 days from date of letter produced to make any changes. I was well within the 10 days. XXXX submitted a request to the back office to cancel the consolidation, and informed me I should get a letter in the mail once it has been canceled. 

I never got that letter. Instead I got a welcome letter from XXXX XXXX dated XX/XX/XXXX. They had processed the consolidation and completely ignored my request to cancel. 

The consolidation didn't include all the loans as I had originally applied for. 2 separate loans were later consolidated on XX/XX/XXXX. I don't know why this occured, outside of the original consolidation process, nor was I notified of it taking place until it was finalized. I had called 2 days earlier and spoke with XXXX to have the consolidation canceled and yet the isolated loans still were processed. 

I then tried to file a complaint within their site, but to no avail. I called on XX/XX/XXXX and spoke to XXXX, a consolidation loan specialist from Navient. She could not resolve my situation despite confirming my request made weeks earlier on XX/XX/XXXX. XXXX informed me she would submit another request to higher ups. 

I also called XXXX XXXX to cancel the consolidation but they could not help me. They told me to call Navient. 

All Navient has done is spin me in loops. Give me the phone number to XXXX who would in turn have me call Navient to cancel the consolidation. I can never get anyone from Navient with authority to cancel or resolve my situation on the phone. All they have been able to do is submit requests to higher ups or back office, whom I never get any response from, ever. They have me wait and wait, for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was dismissed  XX/XX/XXXX and still has not been removed. ( Was originally filed  XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX  and still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. XXXX XXXX XXXX, and XXXX XXXX has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30/60 DAYS ; XX/XX/XXXX - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

Wells Fargo Home Mortgage has several issues with robo signing as well as forged signatures that are not my signatures in which Wells Fargo has yet to produce a real answer or the truth to why my signature was used and sign by some one else in regards to documents. Wells Fargo is always caught up in deceptive practices on there customers. There has yet to be provided to me by them proof that has in XXXX to prove my signature with the issue.
Product: Credit reporting or other personal consumer reports

" Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting the Method of Verification ( MOV ) for this repossession. 

Please provide : The name and contact details of the verifying entity A copy of all documentation used in verification A detailed description of the verification process If you fail to provide this within XXXX  days, you are violating FCRA, and this account must be removed immediately. ''
Product: Student loan

In or about the year XXXX, my federal student loans were being serviced by XXXX XXXX. On or about XXXX, my student loans were transferred to other servicers. However, to date, XXXX XXXX has never sent me a XXXX or other documentation acknowledging that my student loan debt obligation was canceled with them. It has also been over 3 years since my student loan debt has ever been attempted to be collected. I received a Copy B of the XXXX from MOHELA which is now the current servicer. However, MOHELA, has yet to reflect this cancelation of debt on the student loan account. MOHELA has also failed to apply the XXXX loan forgiveness provisions allowed under federal law as I was an educator for over two ( XXXX ) decades in urban school districts across the United States. MOHELA also continues to violate my federally protected rights by reporting alleged student loan obligations to XXXX, XXXX, and XXXX. This violates my federally protected rights under the Privacy Act of XXXX, FERPA, UDAAP, FDCPA, and FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Number : XXXX Case Numbers : XXXX, XXXX, XXXX, XXXX I received erroneous mail/paper communication from LexisNexis claiming that my disputes are being put on hold because they were unable to verify my identity. After filing a complaint and listing the disputes, a representative from LexisNexis already called me to discuss the disputes, hence LexisNexis was already able to verify my identity in connection with the disputes. I continue to have problems with LexisNexis 's investigation of this problem, and they have been unwilling to fix incorrect information on my report.

As a courtesy, I've attached two forms of identification for LexisNexis 's team 's reference ( one with prior address and one with current address ).
Product: Checking or savings account

On XX/XX/2019, I was scammed by XXXX XXXX on XXXX and ended up owing Citizens Bank {$4800.00}. I been constantly getting harassed by the bank collectors and by detectives, which I been cooperative and they still haven't helped resolved the issue. This event has caused much trauma and makes me feel as if they don't care about the situation. I'd like to file a lawsuit against Citizens Bank for harassment and defamation. I am currently XXXX XXXX for the United States XXXX and want this resolved so I can be able to finance a beater to get to and from work. This incident ruined my life. Please help.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am a small business owner who has worked tirelessly over the past few years to grow my business and achieve self-sufficiency. However, I am currently facing a critical challenge that threatens my business 's survival and my financial well-being. 

For the past XXXX years, I have been in an ongoing dispute with a company I believe is posing as Synchrony Bank. This company has been adamant about not removing a charge-off from my credit report, despite my receiving a Form 1099-C for canceled debt in XX/XX/year>, which I reported as income on my tax return. While other credit reporting agencies have reflected this correctly, this particular company has refused to update or correct the record, despite multiple phone disputes and submissions of evidence. 

The refusal to amend this credit report has severely impacted my ability to access business funding, putting my livelihood and that of those I employ at risk. I believe this company 's actions may be deliberate and malicious, effectively stifling my efforts to grow my business and continue contributing to my community. This misreporting has placed undue stress on my finances, nearly forcing me to close my business. 

I am respectfully requesting your intervention and assistance to ensure this company corrects my credit report and ceases any wrongful reporting practices. Additionally, I am exploring options for compensation due to the hardship and harm this situation has caused. 

Your attention to this matter is greatly appreciated. I can not continue to bear this unjust burden alone. I need help to breathe and move forward. 

Thank you for your time and assistance.
Product: Vehicle loan or lease

My deceased husband had a car loan with Ally auto loans. I called them in XXXX of XXXX told them I wasn't on the loan but my husband who was had died. They hung up on me. So I faxed over a death certificate and told them where the vehicle was located and to please come pick it up. This was XX/XX/XXXX. I never heard from Ally. I tried several times to contact them and they would not speak to me. The vehicle sat in my driveway and I had to pay personal property taxes on it and full coverage insurance until my husband received a letter the end of XX/XX/XXXX stating they had written the vehicle off and he owed them {$32000.00} ( Approx ) They had continued to add finance charges to a dead person 's bill and refused to pick up the vehicle. I want $ XXXX storage fees from them for the 485 days the vehicle was left on my property. Total Ally owes me is {$14000.00}. They have the vehicle as they repossessed it on XX/XX/XXXX. My name was never on the loan. They never had any correspondence and refused to speak to me every time I called them. They NEVER sent a letter in XXXX 's name until the end of XX/XX/XXXX. This company is a scam. Stay far away from them. There was no money to pay off the loan. My husband owned nothing and had huge medical bills and no life insurance. And now this company has ripped me off.