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

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 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 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 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 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 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 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 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 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 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 XXXX XXXXXX/XX/XXXX
Product: Mortgage

I had originally had XXXX HELOC accounts with XXXX XXXX, XXXX for {$110000.00} opened in XX/XX/XXXX and another XXXX for {$65000.00} opened in XX/XX/XXXX. These loan went delinquent and were ultimately settled. BOTH of these accounts have MORE then 7 years since date of first date of first delinquency and should therefore not be reporting on my credit file. PNC, which took over XXXX XXXX, has engaged in an illegal practice called " re-aging '' to indicate as if NEW delinquencies had occurred on the FIRST of these XXXX loans and therefore it IS updating on my report as if I 've RECENTLY become delinquent on it while in fact that account has had NO activity for the longest time.
Product: Student loan

In  XXXX     2016, I ma de the decision to refinance {$6500.00} in student loans to a variable rate that was significantly lower than the fixed rate I was paying. I refinanced with  XXXX   XXXX , who uses Navient to service their student loans.     At the time I had  XXXX  student loans,  XXXX  of which had a 5.75 % or higher interest rate. The remaining loan had a variable rate under 2 %. I secured a variable rate under 3 % to refinance the  XXXX  high-rate loans, and specifically requested to Navient not to apply any payments to the sub-2 % loan.     When the refinance was completed Navient applied the monies to ALL of my loans equally - including the low-interest loan, against my instructions.     I called Navient. They did fix it for me promptly, which led me to give Navient the benefit of the doubt at the time.     I am writing to complain now after recently learning that Navient is being sued by the federal government for consistently misapplying payments by thousands of other borrowers. The fraud detailed in the lawsuit absolutely happened to me and it is now clear that their behavior was done deliberately in the hopes that I would not notice the error.     I am extremely frustrated and disappointed that Navient operates in such an unethical and fraudulent manner to squeeze extra profit from its clientele, and that I now feel I have to waste precious time double-checking every transaction. I want to further shed a spotlight on Navient 's abusive practices and warn others to be careful in their dealings with this company.
Product: Debt collection

I have now been contacted by five ( 5 ) Collections Company in this regard over the last 2+ years. Without trying to be rude, I HAVE NO DEBT! 

I do not know why they are contacting me but but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX  XXXX ( XXXX ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX XXXX via their website with the same information given to the previous three companies. Now I have received another debt collection letter from Convergent again for same debt that I do not owe. I tried to call them today since they do not have online disputes and after talking to Representative, XXXX, and explaining everything, she told me I needed to hold on and then disconnected.the line. I waited and received no call back so I am on the line now for over 30 minutes minutes and finally got XXXX. Now after explaining the story again and asking not to be contacted anymore as this is harassment, she told me she had to get more information and then for 2nd time the line disconnected. I just contacted XXXX XXXX XXXX who has my home phone land line service. They verified no interruptions and the call was dropped on Convergent 's end. 

I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 4 ) collections companies when they are the fifth company pursuing a false claim. The mistake was on XXXX 's part and not mine. They acknowledged this in 2017 when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... .. 

This is harassment on both you and XXXX part by continuing this as I have proven my " No Debt '' on four ( 4 ) previous occasions. I have told them all if they contact me again or pursue any further actions based on this false issue it will be handled by every legal step available to me by law and venue. Regardless of this, they ( XXXX ) just sends another company. 

Please help me end this or tell me the legal avenue to pursue. It has to stop. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I made a purchase with my Chase Freedom Unlimited using XXXX XXXX  on XX/XX/XXXX with an amount of XXXX $ at XXXX in XXXX XXXX XXXX, but then there appeared XXXX $ that I didn't authorize. 

I disputed this charge to Chase right away, but on XX/XX/XXXX, I received a letter saying I was responsible for the transaction and the dispute was denied. 

I claimed it again but Chase kept denying to make refunds for it since the transaction was not fraudulent. 

I have been using Chase for more than five years and I have never made a false claim, especially with this small amount. This is the first time but Chase is not helping me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX submitting this complaint against Experian Information Solutions Inc. and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX p.m. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within XXXX business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile. There are fraudulent accounts showing on my credit report. I am a victim of identity theft and asked that ALL items be removed and deleted to correct my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS XXXX XXXX is XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I filed a dispute on the credit bureaus regarding XXXX XXXX XXXX XXXX stating this is NOT my bill. I have been with XXXX XXXX for years. But the debt is still on my account as a collection. Please help to get this removed!
Product: Student loan

My student loan servicer is Edfinancial. On XX/XX/2023 or 358 Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest it ; s accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial gave me for the payment. This loan should have been paid off in full in 2023. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans. Recently i found out that Edfinancial took that money and put it on Loan 4. I never asked or consented for that money to be placed on Loan 4. I literally call Edfinancial on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial is a complete nightmare to deal with.
Product: Checking or savings account

Cash app was suppose to direct deposit my income tax refund this year and I have not received it yet from the irs. I have called the cash app team along about this issue and other relating issues but they have not resolved my problem and only provided a reference number
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes.They are just breaking the law and doing whatever they want to do. This is outrageous. I do not understand how they can operate in this manner.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX  and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress and XXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress and XXXX, as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX The errors on my XXXX credit report have NOT been corrected. Since American Honda Financial and XXXX XXXX XXXX are so incompetent that they can not seem to read and understand and fix their errors I took the time to copy, paste, highlight and spell them out for them so that they both and XXXX  too can fix them and so that the CFPB can also do their job they are paid to do by the citizens of this country, including myself, and enforce the FCRA. Again, just in case any of you have forgotten what that law states the definition is listed below. FIX my credit reports NOW!! I do not want ANY phone calls from any of you, all must be in writing AND I wanted corrections made then updated with all three credit bureaus and a copy of each corrected credit report mailed to me and the IL Attorney General for review before this case is to be closed and I will be letting your boss President Trump know this as well! I have also contacted my attorney about all, the IL Attorney General and the NCUA!!!! 

XXXX XXXX Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Recently, I disputed an account on my credit reports that is being reported by Montery Financial. The results of the dispute came back as 'verified and accurate '. Thus, I am requesting that Montery Financial provide me with the documents used to validate this debt, given that, I have no knowledge of this debt nor have I made any agreements with Montery Financial. Thus, Montery needs to send me a copy of the original contract ( bearing my signature ) and full accounting for the amount owed, using generally accepted accounting principles.
Product: Credit reporting or other personal consumer reports

It has been several months since my initial contact via mail and through CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a notice from my Credit monitoring through my bank that I had a hit on my credit report from American Express from XX/XX/XXXX. I called their Customer Support team to get information as to why, they verified that I only had my one card through them that I had opened in XXXX and that they had not completed a second inquiry, and even checked with their new accounts department in case someone had tried to do it that way both departments verified they had no inquiries pending or applications. They did however state that this was likely one of two things a fraudulent inquiry or someone had tried to open either a store card or some sort of airlines card with my information as they had no way of checking that in their system. I have no way of narrowing down which of the many companies this could be. My XXXX had let me know that my information was in the dark web earlier this month but due to me trying to purchase my first home I was unable to freeze my credit this month so that I would be able to access the mortgage loan when necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information correct.
Product: Credit card or prepaid card

I received a debit card from Wells Fargo that I never requested. I have never had an account with this Bank. 

It was a debit card not a credit card.
Product: Checking or savings account

cash app has my personal funds held. it won't allow me to send or use any funds. i reacted out to them and sent multiple emails and no response
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 agenc
y can not furnish a account without my written instructions
Product: Student loan

on XX/XX/2017 national recovery started the process of wage garnishment for a student loan from the us dept of education for the past year they have been taking 15 % from my paycheck I do not know who national recovery is I have never signed or agreed to do business with them