23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Wife niece which is XXXX XXXX was going to the XXXX  XXXX XXXX but needed a adult to sign a paper stating that she lived with me in the absence of her parents. 
Nothing was discussed with XXXX XXXX or the XXXX about anything Financial or I will cosign any loan. 
I have discussed with XXXX about me not cosigning any loan for her. 
XXXX assured me the me signing any document have nothing to do with any school loan. 
To my surprise I got documents from creditors stating that I owed money for cosigning loan for XXXX which the document have a wrong Social Security on it. 
I have no idea who submitted that cosign document with any of my information but I assure you it's not me. 
XXXX assured me that I'm not responsible for any cosign loan and I never sign any document pertaining to loan. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Date of burrow XX/XX/2017 Loan amount {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccuracies being reported on my credit report and I have disputed them all through Transunion and XXXX along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. 

The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. 

XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. 

The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : 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: Credit card

I apologize for having to reach out to you but I have encountered a problem that I was unable to resolve through your normal customer service channels. Moments ago I hung up from a four hour long phone call with one of your agents who was unwilling to assist me. She made it very clear that she could help me but did not feel my concerns were worthy of Chase 's consideration beyond telling me to book directly with the airline or to select a different flight. Considering the circumstances of the situation, I can not believe that a company operating in good faith would view my request as anything but reasonable and would take the appropriate steps to remedy my concerns. I am sure you and your team deal with incredibly complex and nuanced problems but my issue is very simple. I am trying to book this flight itinerary from the Chase Travel website : XXXX XXXX XXXX When presented with this information your agent confirmed what the Chase Travel Website was ( and still is ) offering but she was unable to book this itinerary. When she attempted to use your internal tools to book the flight she was also unable and presented me with alternative options which were roughly {$720.00} more expensive. When questioned about why the Chase Travel website was displaying something that Chase is unable to fulfill she proceeded to have the most illogical, circular, contradictory, and oftentimes confusing position as to why this is permissible and of no concern whatsoever to Chase. Not only does this itinerary still present from the Chase Travel site, each leg of the trip at the fare class advertised is available directly from the airlines. I would take her up on her suggestion to not use Chase and book directly with the airlines at the same cost but I would prefer to use my XXXX Ultimate Rewards points for this trip. 

I do not believe my request is unreasonable - I simply want to use my points to book the flights that are displayed and take my wife to XXXX XXXX for our XXXX. Flights that are advertised directly on Chase and are confirmed available from the airlines at the exact same pricing.

If you ultimately feel my request is unreasonable or if you feel that some subsection buried deep in some travel disclosures document means that this is not something Chase is interested in considering I will take your response, or the response of your team, as final and book directly with the airlines. 

I appreciate your consideration on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB! Please send the following documents to Wells Fargo Bank. Thanks!
Product: Checking or savings account

At the end of XXXX ( XXXX or XXXX ) I made a mobile deposit into my Truist business bank account. The deposit was for {$3000.00} in the form of a business check from my client. At the time I had a cash balance of {$780.00}. 

A day after I made the deposit, they froze my account for suspected fraud. They said I had to wait for the check to clear before they could lift the freeze. So I waited. The check cleared my client 's account and they did not lift the freeze. When I called they informed me that my account was closed by the fraud department and I would have to wait for them to finish their investigation. 

Next, they had my client send in a notarized letter on his business letterhead saying that he made the payment to me ( my business ), the check as good ( they already knew that because the check had cleared the week before ), the dollar amount, check number, and contact information. They received that information and still did not release my funds. 

It has been XXXX weeks. I can't get anyone to answer the phone at Truist. I waited on hold XXXX hours this XXXX  ( XX/XX/23 ) and now I am again on hold for the past XXXX minutes. My emails are not answered. I do not know what to do.
Product: Credit reporting or other personal consumer reports

This is my final notice to formally dispute the charge-off listed on my account. Despite previous attempts to resolve this matter directly, you have failed to address the issues in compliance with federal law. As a result, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate this matter further if necessary. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), reporting inaccurate, unverifiable, or incomplete information is illegal. Additionally, I have evidence that this account may have been illegally re-aged, which constitutes a direct violation of FCRA 605 ( c ). Re-aging accounts to extend the reporting period or mislead consumers is not only unlawful but also unethical. 

Violation 1. Re-Aging the Account : Changing the date of first delinquency to extend the reporting period is prohibited under federal law. This tactic misrepresents the account status and harms consumers like myself. 
2. Failure to Verify : Per FCRA 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and verify disputed information within 30 days. To date, I have received no valid documentation proving the accuracy of this charge-off. No 1099c form given. 
3. Inaccurate Reporting : The reported information contains errors, including [ list specific inaccuracies, e.g., incorrect amounts, dates, or account statuses ]. 
4. Failure to Notify : Under FCRA 623 ( a ) ( 7 ), you were required to notify me of adverse actions, including reporting this account as charged-off. Failing to do so is yet another violation. 

Notice of Further Action : Please note that I have already filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your mishandling of this matter. If you continue to report inaccurate, unverifiable, or re-aged information, I will also file complaints with the Federal Trade Commission ( FTC ) and my states attorney general. Furthermore, I reserve the right to pursue legal action to hold you accountable for violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). 

This is your final opportunity to resolve this matter without legal escalation. You have 15 days from receipt of this letter to comply with my demands.
Product: Debt collection

XXXX called from SummitRecievables and left a voicemail on my phone. He does not ask indicate who he is calling for. He is collecting debt. The call is harassment, any debt has to be mailed. Don't know who Summit Receivables is calling for, and the legitimacy if not providing paper documents.
Product: Credit reporting or other personal consumer reports

I pulled my consumer report and notice a few unfamiliar items. I ask that these items are removed from profile immediately. Accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with Merchant 's & Medical Credit for more than XXXX XXXX wants, {$210.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my sister XXXX XXXX, cancelled order XXXX placed same day at XXXX for {$48.00} for 1st payment on XXXX XXXX carpet cleaner. The funds released to our bank, but Paypal is deliberately keeping authorization open to prevent me from closing the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX ACCOUNT NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel.

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

See original complaint  XXXX  about MUFG UNION BANK , NATIONAL ASSOCIATION.     The company respond ed with a letter advising me to go to the California State Controller 's Office Website for mor e information about the escheatment process.     I told them this was unacceptable, on  XXXX / XXXX / 17 , and they have not responded.
Product: Student loan

I, as many people my age, was told I needed a degree to get a descent paying job. I was n't able to afford to pay for college outright so I was forced to take out student loans with the promise that I would earn enough money after graduation to make payments in them, and make a living. I now work just to make payments on my student loans. The XXXX loans ( with XXXX different servicers ) have more than doubled in amount due since graduation. I, also like many people my age, was unable to find a job that covered my minimum monthly payment ... much less a job that was even in the degree I studied for. This forced me into " income based repayment '' programs that barely ( if at all ) even touch my principle balance. I make payments every month and my loan amounts keep rising. Recently, with Navient, my " program '' lapsed, and they stopped withdrawing the monthly amount. I tried more than several times to call them only to be left on hold for over an hour, disconnected on, or just endlessly transferred to people who could n't properly explain the different loans, and the money I owed. When I finally got through to someone who said they could help me ( now 3 months past due ) I was told I re-qualified for the " Income based repayment '' but when I tried to set up the payment was told I had to also set up payments for the past due amount. With my bills continually rising, and my hours at work being cut, this was n't an option. If I could give my degree back in order to put of this the DROWNING amount of debt I would! I work hard, and want to pay my bills on time, but now that I owe more than double what I borrowed it has become impossible. I get around 7-8 pre- recorded phone calls from Navient every day, and this is a huge point of stress that I deal with EVERY day.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, GS BANK-GM number : XXXX date XX/XX/2024 .Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Debt collection

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A SEVER XXXX  XXXX AND NO ACCESS TO XXXX  OR USAA. Documentation of request options for my XXXX TO NO AVAIL. My letter XX/XX/XXXX to XXXX  requesting VERIFICATION OF ORIGINAL WRITTEN DOCUMENTATION TRANSACTIONS PURCHASED BY ME DELIVERY ACCEPTANCE SIGNATURE OF DELIVERED INTO MY HANDS. Proof XX/XX/XXXX XXXX  RECIEVED THE BELOW : XX/XX/XXXX XXXX. case # XXXX CRIMINAL INVESTIGATION OF DELIVERIES NOT DELIVERED AFTER XX/XX/XXXX. 
USAA FRAUD CLAIM dated XX/XX/XXXX XXXX XX/XX/XXXX FRAUD OF {$470.00} UNAUTHORIZED TRANSACTIONS INVESTIGATION TOOK 10 MONTHS TO COMPLETE. FTC Ideninity Theft case XXXX dated XX/XX/XXXX. IT APPEARS STATUTES ARE IGNORED BY XXXX  AND USAAXXXX Confirmation XX/XX/XXXX USAA XXXX DID NOT CORRECT THE ISSUE. I was DENIED CREDIT DUE TO INCORRECT CREDIT REPORTING. THIS IS ID THEFT. XX/XX/XXXX see attatched. I followed ftc guidelines BANK AND CRA DID NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Credit card statement with due date of XXXX showed purchase made XXXX in the amount of {$33.00}. I returned some items XXXX XXXX and made a payment of the amount which was still due on XXXX XXXX 
The problem is that next month, First Bank charged me a late fee of {$25.00} and minimum interest charge of {$1.00} in spite of the fact that there was no past due obligation. When I called First Bank, I was told that the credit for my return did not actually remove my obligation for payment - that their computer system would not deduct returns from the current billing cycle. 
First Bank removed the " late '' fees when I called, but warned me that I was in danger of ruining my credit score unless I was " very '' careful. I resent that. I was told that I should have sent payment in full even though I had returned the item. I could not argue that this might be necessary if the return was made in another billing cycle, but it does n't make sense when the entire transaction takes place within the same billing cycle.. Once the store accepts the return and processes my credit, I should no longer have an obligation. 
I am making this compliant about First Bank because I feel that this policy is unfair to consumers, and sneaky. They hope to get use of money which has been credited back to me, and in addition, they try to impose fees which are patently ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with XXXX  and lost. I have a pending dispute with XXXX. XXXX has not corrected the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 DEPT OF EDUCATIONXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 4TH TIME I HAVE REQUESTED EXPERIAN TO DELETE INCORRECT ADDRESS. EXPERIAN IS REFUSING TO DELETE THIS ADDRESS AND ALLOWING INCORRECT AND INACCURATE ADDRESS ON MY CREDIT FILE.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Ally financial is providing incorrect loan date on my consumer reports. I opened a vehicle loan on XXXXXXXX XXXX on a XXXX XXXX XXXX Ally financial is reporting the loan as opened on XXXX XXXX which is completely false. I have reached out to Ally Financial several times in XXXX about this matter. each time they have told me a supervisor would reach back out to me within 48 hours. I have yet to recieve a call back from anyone regarding this matter. All phone calls are recoreded. and the only paperwork i have recieved is a payment breakdown regarding this matter.
Product: Credit card

Card can not be used because they are stating there is a fraud, it is my card and they will not tell me what the problem is. They keep asking for a lot of my personal information which I do not like to give out.
Product: Checking or savings account

On XX/XX/year>, I contacted Chase Bank when I noticed an unfamiliar pending transaction for {$44.00} from " XXXX XXXXXXXX XXXX  on my checking account. 
Before the call ended, I asked the Chase rep., do I need to do anything elsethe repXXXX said " No '', you called before the transaction was processed, and she assured me the {$44.00} would not be processed. I received a claim number from Chase. 

I contacted Chase on Friday, XX/XX/year>, regarding a charge for $ XXXXclaim reveral reappeared on my checking account on XX/XX/year>. 

I was frauded by " XXXX XXXXXXXX XXXX XXXX '' and have not received any services and, became a victim by Chase debiting {$44.00} from my checking account. 

I am providing you with supporting documents. 

Thank you.