23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My wife and I decided to pay off my mother in laws parent plus loan after she had passed away. We did not realize that once she passed away, the loan would be discharged. Therefore we requested a refund. We were told to provide a copy of the death certificate, and additional information to process the refund, which we did. Its been over a month and the companies involved could not provide me information as to whether the refund request was approved or not approved. 

I am still waiting for my full refund, and I am hoping to expedite this process.
Product: Vehicle loan or lease

I gave credit acceptance the car back in 2015 as a voluntary repro because of all the mechanical issues with the car credit acceptance auction the car and still saying I owe like XXXX when I put close to XXXX down they started garnishing my pay
Product: Debt collection

I received an alert that my credit score had dropped from XXXX. Upon looking into this matter, I found a company was looking to send me to collections for a purchase that was made. The debt collection company is Jefferson Capital. I called them on XX/XX/ to explain to them that this was not my debt, I had never heard of the original debtor which is XXXX. The amount they are trying to collect is {$3800.00}. I told them that I did not make a purchase to this company and that the collection process needed to stop as this is not my debt. They said they would send it to the appropriate office and have someone look into it. I called again on XXXX XXXX XXXX  to check on the status. I spoke to a gentleman named XXXX who said he would look into it further. I would like this taken care of as soon as possible since my credit score has been damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid regions bank off. Its showing paid off on my credit but they wont remove it
Product: Debt collection

I received a letter from The Receivable Management Services LLC ( debt collection agency ) dated XX/XX/XXXX that I owe a debt of {$34000.00} to my former employer. I dispute the validity of this debt. 

It has been over two years since I left my previous employer and the letter indicates that debt is from XX/XX/XXXX. The letter did not include any signed documentation or a contract signed by me that I owe this debt. I dispute the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I mailed a dispute letter to XX/XX/XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XX/XX/XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XX/XX/XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Follow-Up Regarding Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing in response to your recent communication regarding my dispute of unauthorized inquiries on my credit report. While I appreciate your explanation that inquiries remain on my report for two years, your response does not address the issue at hand : the verification of permissible purpose for the inquiries I disputed.

As stated in my original letter, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer report may only be accessed for specific permissible purposes, and such purposes must be documented. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that information found to be inaccurate, incomplete, or unverifiable after a reinvestigation must be promptly deleted. 

I have already contacted the companies responsible for these inquiries, and they have failed to provide written authorization or any documentation demonstrating I initiated or authorized these inquiries. This failure makes the inquiries unverifiable and, therefore, subject to removal under the FCRA. 

To reiterate, the inquiries in question are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I respectfully request that you provide me with documentation confirming these inquiries were made with permissible purpose. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report immediately. 

Please provide a written response to this matter, including the results of your reinvestigation, within 30 days as required by law. If no resolution is reached, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In or on about XX/XX/year>, I signed up for a Synchrony Bank credit card that would prepay for services from a company called XXXX XXXX XXXX to put some flooring in my house. XXXX XXXX XXXX agents came to my house twice with the wrong colored flooring, and later admitted that they didn't have the flooring that I requested. Since XXXX XXXX XXXX didn't have the flooring that I requested in stock they couldn't provide me with a service. Synchrony Bank is still charging me for services that were never provided to me. I wrote both companies several times, through certified mail with affidavits of proof of correspondence sent, and neither companies responded to address the issue. Synchrony Bank response is only a copy of the contract signed between myself and XXXX XXXX XXXX but neither addressed the issue. I called the Bank to ask for their legal team and I was told that the Bank doesn't have a legal team ( which sounds odd ). The issue is that I didn't receive a service from XXXX XXXX XXXX and by the laws of equity I shouldn't have to pay for services I didn't receive. XXXX XXXX XXXX should not receive unjust enrichment for services not provided and I should not have to pay for unjust enrichment. Please have Synchrony remove the negative information from my credit report because it is effecting my report negatively. If you need copies of the correspondence that I have sent to both parties I can provide that, and I can send your agency all of the correspondence that was sent to me by them to prove they never addressed the issue. Thank you for your time in this matter and may God bless you and your family.
Product: Debt collection

This is a complaint in reference to the XXXXXXXX XXXX XXXX They have been listed on my consumer report fraudulently. I have never received any agreements or documents verifying these accounts belong to me.
Product: Credit reporting or other personal consumer reports

someone use my information without my permission . XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

I did not give permission for these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I contacted credit karma to verify some answers to questions I had, see attached screenshots of the conversation with credit karma! They are perjuring themselves as well as potentially giving inaccurate information/scores etc that they don't even know themselves whether it's accurate ( see attached ) can you tell me what kind of attorney would I contact to file a civil law suit
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Debt collection

Upon looking at my credit report, I noticed a collection account with First Federal Credit Control out of XXXX, OH. Once I was able to locate their contact information, I called the company to inquire about the matter. I attempted to call a few times in late XX/XX/2021, and finally made contact with a representative on XX/XX/2021. I spoke with an agent named XXXX who would not give her last name but provided identifier XXXX. XXXX did not even verify my information, just began talking to me about some medical debt from a place I was not familiar with. It concerned me that my information wasnt even safeguarded in the event someone else tried obtaining my information. Its a GLBA requirement ( specifically 15 USC 6801 ) to verify all information prior to giving out personal information ( I have been in the mortgage servicing industry for over 10 years ). I simply asked for written proof of the debt owed, but was talked over and would not be provided the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a letter from OneMain Financial stating that I requested a verbal request to stop contacting me by phone and/or mail. 
They have permanently removed any cell phone numbers from my account and from automated dialing system and placed a note on account to discontinue all collection call to me. 
They apologize to me any inconvenience caused. To ensure that they are meeting my communication expectation, it would be helpful if I complete the information at the bottom of this letter they I will attach and return it to them with means of communication phone numbers written email text or other. 

Immediately phoned the number listed on letter and I spoke with a XXXX on XX/XX/21. She did confess that this letter is in fact a " Retaliation '' from the claim I submitted. 

This is an ambiguous letter made up from OneMain Financial. 

*On the contrary I am waiting for explanation on another claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX WAY, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint on account # XXXX XXXX XXXX XXXX XXXX with M & T bank with you the beginning of XXXX, XXXX. M & T replied concerning my wife 's HELOC account with M & T. This is part of the problem. This bank is unable to keep records straight. They do not know what they are doing. I have been paying {$300.00} a month for around XXXX years. I dealt with XXXX XXXX. My payments went to him at XXXX XXXX XXXX, XXXX, NY XXXX EVERY month for years. I received a letter from XXXX XXXX Attorneys concerning this account stating M & T has not received any payments since XXXXXXXX XXXX on my account. I never received any statements from M & T regarding this or that an attorney was involved. I found out XXXX XXXX is no longer with M & T. I was not notified about any of this until I was contacted by these attorneys. I received a letter from M & T on XXXX XXXX, XXXX stating my payoff was {$38000.00}. The letter dated XXXX XXXX, XXXX from the attorney States a payoff of {$40000.00}? How can that be? This is how M & T works. Something needs done. Now their response does n't even address my account!!! Since this is so dishonest please make sure M & T addresses the CORRECT account!!!!
Product: Mortgage

Wells Fargo continuing it 's racist XXXX discriminatory erroneous racist conduct reporting me delinquent on my mortgage payment to the credit bureaus ( credit report attached ). Fully knowing that I have a toxic neg amortization pick a payment loan that has a minimum of XXXX payment options on it : Minimum, Regular, or 15 year. They also have changed the account number on the same account, and am reporting me delinquent for XXXX separate accounts which really are the same account with a higher erroneous account balance!!! I have also requested that I be provided a copy of the mortgage Note, payoff quote, and verification of mortgage, and a itemized breakdown of my payment options on the toxic neg amortization pick a payment loan, and have gotten No documentation, or communication from them regarding my requests. Racism continuing to spew it ugly head like the high school girls in XXXX, Arizona!!! I 'm getting tired of filing complaint after complaint on their obvious overt XXXX XXXX blatant XXXX discrimination business practices, in addition to their hate crimes, and harassment.
Product: Checking or savings account

There was a check deposit to my account that was not deposited by me. The check was a company check, my account has been closed due to fraud. I want to report in case anything else happens.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the credit union. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

To whom it may concern, I am writing to formally address a critical issue I have experienced as a loyal Navy Federal Credit Union member for the past XXXX years. Despite my long-standing membership, I have consistently been subjected to overdraft fees, which have repeatedly left my account in a negative balance. This situation has had severe financial consequences for me, compounded by significant emotional distress. 

I have observed that Navy Federals delayed processing times frequently result in inaccurate balance reflections. On multiple occasions, after a transaction has posted and depleted my available funds, Navy Federal has reversed payments I have made, resulting in missed payments, additional credit card fees, and further damage to my financial standing. This cycle perpetually leaves my account in the negative, often pushing me into debt as a direct result of my reliance on this account for direct deposit. 

Due to these recurring deficits, I am now unable to pay prior bills or make timely future payments. This ongoing issue requires immediate resolution to prevent further financial harm. I urge Navy Federal Credit Union to address and rectify these processing delays and consider the compounding impact of repeated overdraft fees. 

I look forward to a prompt response and a solution to this pressing matter. 

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

Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding my banking history and the inaccurate reporting made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX & XX/XX/XXXX, I became a victim of fraud, where unauthorized transactions were conducted on my account with [ Bank XXXX XXXX XXXX XXXX XXXX XXXX The matter was promptly reported to your institution, and I provided all the necessary documentation and evidence to support my claim. Following the investigation, it was determined that I was wrongfully accused of the fraudulent activities that took place. However, despite the resolution of the fraudulent incident, I have recently discovered that [ XXXX  XXXX XXXX XXXX XXXX XXXX has reported my name to Early Warning XXXX XXXX XXXX XXXX XXXX difficulties in opening a new bank account elsewhere. This has caused me undue stress, financial inconvenience, and the inability to access essential banking services. I kindly request your immediate attention to rectify this matter and ensure that my name is removed from the XXXX XXXX XXXX XXXX XXXX I believe it is essential for your institution to update the inaccurate information provided and issue a formal notification to XXXX XXXX XXXX XXXX requesting the removal of my name from their records. Moreover, I request that you provide me with written confirmation once the necessary actions have been taken to rectify the situation. Additionally, I expect a reasonable timeframe for the resolution of this matter, considering the impact it has had on my financial well-being. I trust that [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX take immediate action to rectify this situation, ensuring compliance with the Fair Credit Reporting Act ( FCRA ) and restoring my financial reputation. Failure to address this matter promptly may leave me no choice but to exercise my rights under the FCRA, including seeking legal remedies available to me. Thank you for your prompt attention to this matter. I look forward to your prompt response and a resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting inaccurate information on my credit profiles to the credit bureaus. If you view the attached image, you can see that the account number, date opened, highest credit limit, and date last active are showing something different on each bureau. This is a direct violation of the Fair Credit Reporting Act and according to the FCRA this account must be removed IMMEDIATELY.
Product: Checking or savings account

My account is restricted and they wont allow me to withdraw my money
Product: Student loan

Mohela is reporting my student loan to all agencies twice, doubling balance from XXXX XXXX XXXX XXXX XXXX They acknowledged the error was on their end and it would be corrected for reporting the following month. Nothing has happened or changed,