23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX college with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I sent an investigation request to Equifax. My husband received his portion of the response weeks ago, but I have yet to receive my portion of the response.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed that an account is not reporting accurately. Specifically, XXXX late payments are listed on the account with account number # XXXX for XX/XX/XXXX and XX/XX/XXXX. I am confident these payments were made on time. According to 15 USC 1681e ( b ), consumer reporting agencies " shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Therefore, I am requesting an investigation into these late payments and verifiable proof with records showing that these payments were indeed late. I have attached my consumer file for your reference. If this information can not be verified, I demand that these payments be updated to reflect their on-time status immediately. Thank you for your understanding and prompt action in this matter.
Product: Student loan

XXXX XXXX taxes garnished as payment for a loan that falls under student loan forgiveness. XXXX univeristy is closed for predatory practices and now Navient is a co-conspirator. I was unable to finish college in XXXX due to my 'credit line ' was maxed out and could not re enroll. No transfer of credits until final balance is paid. 
My transcripts are still held hostage to this day. 
I will not pay them a XXXX cent. I can not go back to college with the way they left me. Its now 8 years later and theyre taking everything. 
Next step in mail is garnishing paychecks. I refuse to allow someone to forcefully take my money over a debt that I was lied, tricked, decieved into believing would be payable after earning my degree.
Product: Checking or savings account

Hello, I have two accounts with chase and both were charged overdraft fees when the other had money in the account. Also, I want overdraft protection of some kind!

I would like the insuffient fund fees refunded. Additionally, the charges that caused the overdraft were unauthorized and I have contacted the merchants, so those charges have been refunded.

Account ending in XXXX XX/XX/19 : 2 charges of overdraft Account ending in XXXX XX/XX/2019 : 3 charges of overdraft Total fees : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt of filing a CFPB complaint myself. The current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are open nor tied up and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise please help me correct these accounts immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

The eversource company has continued to try and collect a debt from me from an account that was opened in a nearby town in 2014. They sold the collection to collection services, knowing that I believed the account was fraudulent! In 2014, I still lived at home and I was still a minor under the age of XXXX. I have called them numerous times, and they have said time and time again that they would not try and collect the debt anymore. Now it keeps showing up on my credit report, even though I never opened the account to begin with! My ID and plenty of paperwork proved that I did not live in the billed city and I was not of legal age to even open an account. I do not know who stole my identity but I want the debt cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called capital one to correct the payment history as Ive been marked 90 days past due on my credit report. I asked them for relief due to Corona virus to defer one or more payments or to make a partial payment, they gave me ok for partial payment and then they reported me as delinquent 90 days. I had a severe illness and then XXXX. I was struggling to make the minimum payment. I kept calling them continuously to address the issue. Their answer is making partial payment is not going to affect your credit rating. Then I got hit by 90 days past due. I got promised from Rep. to solve the issue but unfortunately, no improvement.!
Product: Checking or savings account

Per my attached XX/XX/XXXX, I addressed two issues to my local SunTrust Bank.

The first issue dealt with SunTrust 's check cashing procedures at the bank, which I addressed to the SunTrust Client Advocacy Office and received an appropriate response ( letter dated XX/XX/XXXX, attached ). It appears as though the tellers followed proper procedures and accepted checks written on a closed SunTrust account. The bottom line to this issue is that SunTrust does utilize safeguard business practices akin to other local banks, i.e. XXXX XXXX XXXX or XXXX XXXX, which would have easily prevented the checks presented from being deposited. 

The second issue which was poorly dealt with by SunTrust officials, was the lack of protection which SunTrust bank provided to me, when I presented fraudulent SunTrust checks to bank management. The two SunTrust checks which I had received were written on an account which had been closed sometime in XX/XX/XXXX. SunTrust was aware that the individual was writing these checks on a SunTrust closed account and : ( 1 ) took on no action to stop the fraudulent activity ; ( 2 ) took no action to protect my financial interest when I confronted management about the two fraudulent checks.

As you can see by the attached documents, the problem first started in XX/XX/XXXX. Since XX/XX/XXXX, I have worked these issues diligently with my local SunTrust bank senior official, the branch Manager, the regional bank representative and ultimately with the SunTrust Bank President ( see XX/XX/XXXX attached letter. ) As of the submission of this complaint, XX/XX/XXXX, I have heard nothing from my XX/XX/XXXX letter to the President.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

i reached out to all XXXX bureaus on XX/XX/year> about inaccuracies and fraudulent information on my credit report that needed to be deleted immediately. it has been XXXX  days!!!!!! i am going to the police to see what i can do about the XXXX  and the bureaus not taking the proper action in the amount of time. this is ridiculous. im going to contact national news and make this a headline mark my words. XXXX  days and counting is illegal. do not be surprised when i get a lawyer involved.
Product: Credit reporting or other personal consumer reports

I received my consumer reports from all XXXX of the major Credit reporting agencies and found numerous violations on my report, they are as follows : Pursuant to the Fair Credit Reporting Act, specifically XXXX XXXX XXXX, section XXXX, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Equifax, XXXX, and XXXX, recognized as consumer reporting agencies, are entities with which I, as the consumer, maintain a relationship. It is essential to assert my right to safeguard private information, a right substantiated by XXXX XXXX XXXX, whereby XXXX mandates financial institutions to affirmatively and continually respect the privacy of their clientele. 

In the context of the Furnishers of information to credit agencies, identified as financial institutions under relevant regulations, as per XXXX XXXX XXXX, section XXXX ( XXXX ), the disclosure of consumer reports is contingent upon the receipt of written instructions from the concerned consumer. It is pertinent to underscore that neither verbal nor written consent, in any form, has been provided, and unequivocally, all consent is hereby revoked. 

Under the stipulations of XXXX XXXX XXXX ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information unless consumers are apprised of the mechanisms enabling the exercise of the nondisclosure option. Regrettably, the Furnisher of information to credit agencies failed to inform me of my right to exercise this option. 

Furthermore, the violation of XXXX XXXX XXXX ( a ) ( XXXX ), which prohibits consumer reporting agencies from including adverse information without authorization, is evident. The reported adverse item lacks the requisite permission, thereby contravening the statutory framework ( ie none of the accuracies on my report are indicative of ANY crime, and are adversely affecting my ability to obtain credit and MUST be removed promptly ). 

Drawing attention to XXXX XXXX Code XXXX ( A ) ( XXXX ) A, it is explicitly stated that no entity shall furnish information to a consumer reporting agency if it is known or reasonably believed to be inaccurate. Equifax and XXXX, in this regard, XXXX be in contravention of the aforementioned statute. 

In light of XXXX XXXX XXXX XXXX, it is mandated that consumer reporting agencies maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes outlined in section XXXX. Notably, Equifax and XXXX appear to be deficient in maintaining such reasonable procedures. 

Finally, as per XXXX CFR XXXX, the right to opt out of reporting services is expressly granted to consumers. In accordance with this provision, I hereby exercise my right to opt out of the reporting services provided by the aforementioned agencies.
Product: Checking or savings account

XXXX sent an amount of {$140.00} to Wells Fargo as part of a fraud claim in amount of {$690.00} on XX/XX/22, check number XXXX, check was not cashed and supposedly rejected back according to XXXX XXXX, rep with Wells Fargo. I explained this information to XXXX rep, XXXX whom advised instructions received from Wells Fargo state to send remaining funds in XXXX accounts to Wells Fargo... I then attempted to reach back out to XXXX, several messages left, none returned, complaints filed in re and unresolved.. The reason to speak with him is to advise what XXXX rep stated and to provide his contact info to reach out. To date, I have been unable to reach XXXX or a manager on XXXX side to resolve issue of missing funds, the amount of {$140.00}. XXXX can be reached at XXXX should Wells Fargo rep have questions.
Product: Debt collection

The company is Midland credit Management located at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX my account number with them XXXX the original creditor is XXXX XXXX they never sold this company thedebt I contacted the company several times to remove themselves from my credit history they've updated my credit history several times they left {$180.00} negative marks they presented false information to all three credit bureaus XXXX XXXX the original creditor assured me that they never sold my debt to this company that this company is doing this fraudulently and that I needed to report them to you guys that they remove the debt from my credit years ago because it's more than XXXX XXXX XXXX it's illegal for it to even still be on my credit they presented false information and false documents saying that they were from XXXX XXXX but they were definitely not from XXXX XXXXXXXX at all my credit report from XXXX shows that the account was opened up in XXXX this company is known for committing fraud and breaking the Fair credit act repetitively the dad was charged off back in XXXX I want them removed from my credit history immediately this is fraud XXXX XXXX has no records of the original account because of how old it is
Product: Credit reporting or other personal consumer reports

date opened XX/XX/2021 amount {$2200.00} XXXXXXXX XXXX : Account number : XXXX THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN NY i never open XXXX XXXX XXXX XXXX {$2200.00} XX/XX/2021 Account Number : XXXX address i never lived in NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Loan XXXX XXXX XXXX loan open date XX/XX/XXXX Open loan amount {$47000.00} Loan paid off in full date : XX/XX/XXXX I noticed XXXX XXXX XXXX is reporting inaccurate derogatory information on XXXX XXXX Experian, XXXX, and XXXX credit reports. loan XXXX shows open XX/XX/XXXX, loan are not reporting paid in full as of XXXX XXXX. I was over charge lates and interest. XXXX declared total loss of the XXXX XXXX XXXX on date XX/XX/XXXX. In addition, settlement payment was released to XXXX on XX/XX/XXXX. Loan XXXX are reporting XXXX potentially negative 30day late payment with Experian, XXXX, and XXXX credit agency. Loan XXXX has a 10-grace period, XXXX offered at the time of signing auto loan contract. Below are the months shows late 30days. I have attached receipts of payments that were turned in before 30days. In addition, I spoke with XXXX at XXXX XXXX XX/XX/XXXX, she provided it me with a payments summary of all benefit issued payments for loan XXXX, and XXXX. I was informed all payments were wired to XXXX on the benefit issued date. XXXX also brought to my attention XXXX knows to allow 2 days business days before payments are released. This will not be the first time I have had issues with XXXX. My request is to have XXXX report accurate information to the credit bureau Experian, XXXX, and XXXX immediately. 





XXXX issued payment {$370000.00} on XX/XX/XXXX GAP issued reimbursement {$4000.00} on Insurance issued reimbursement {$3700.00} on Warranty issued reimbursement {$1100.00} on XX/XX/XXXX Auction issued payment {$13000.00} on XX/XX/XXXX Dates Credit agency reporting 30 days late XX/XX/XXXX, Loan was not 30 days late, please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX XX/XX/XXXX, Loan was not 30 days late, please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX I had no knowledge XXXX XXXX XXXX would report voluntarily surrender on my credit report. When I received an email from XXXX, I informed her that I do not want the vehicle to be voluntarily surrender, I will pay loan monthly note as agreed to on contract. XXXX never explain to me what the procedures once the vehicle has an open balance after total loss pay off. Also, the contract does not state if there is an open balance once vehicle is sold in auction, credit report will show voluntarily surrender. 

XX/XX/XXXX, XXXX sold in auction why is my credit report shows voluntarily surrender? Payment on loan XXXX due date payment is on the XXXX of the month, and XXXX sold on the XXXX. There is nothing in the contract that states voluntarily surrender will report on credit. 

XX/XX/XXXX, why is XXXX reporting voluntarily surrender? XXXX sold XX/XX/XXXX. Please report accurate information to Experian, XXXX, and XXXX? 

XX/XX/XXXX, why is XXXX reporting voluntarily surrender? XXXX sold XX/XX/XXXX. Please report accurate information to Experian, XXXX, and XXXX?
Product: Debt collection

I have received a collection notice from Monterey Collections. Their client is XXXX, XXXX. This company went into bankruptcy because they were paying doctors for XXXX and performing unnecessary tests, and were sued. 2 years ago my dr sent me to XXXX for my basic labs ( usual cost around {$200.00} ). XXXX performed numerous other tests and charged my insurance co, XXXX XXXX {$3400.00}. The dr said I would not be charged for these tests which I never consented to. I was not billed by XXXX. XXXX told me it would only bill insurance company, that I was not responsible for amount insurance did not pay. Now that the company has gone into bankrupcy, the liquidation company is apparently putting people in collection for med tests that XXXX never billed us for, told us we were not liable for. I only needed a XXXX, XXXX, XXXX etc.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

How it all started XX/XX/XXXX : I purchased a return Air Ticket to flight from XXXX to XXXX with XXXXXXXX XXXX XXXXXXXX for {$2400.00} with Chase credit card ending XXXX Breakdown : First leg of the trip with XXXX Airlines : {$970.00} Second leg ( return ) with XXXX XXXX XXXX : {$1400.00} XXXXXXXX XXXX XXXX ( Travel Agent fees ) : {$23.00} Total : {$2400.00} The Trip : - First leg of the trip went well with XXXX XXXX. 
- Second leg ( return ), on XX/XX/XXXX, XXXX, with XXXX XXXX XXXX. I flew from from XXXX XXXX XXXX where I missed my connection. XXXX XXXX XXXX and XXXX XXXX XXXX refused to put me on another flight. 
I purchased another air ticket to flight from XXXX to XXXX for , the next day, with XXXX at {$670.00}. I overnight at the XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX reimbursed my {$1400.00} for service not rendered. 

The Problem : Repetitive charges on my Chase credit card for no purchased merchandise or service. 
XXXX XXXX XXXX  charged my Chase Credit Card for {$2400.00} once again, on XX/XX/XXXX. That is the exact amount of the initial air ticket I have purchased on XX/XX/XXXX. I did not make this purchase. It is an arbitrary charge. I did not purchase merchandise or service from XXXX XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX, Chase credit card made an adjustment of {$2400.00} after my complain. At this point, I was issued a new credit card ending with XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX charged my Chase Credit Card for {$2400.00}, once again, without any purchase from me. It is an arbitrary charge. I did not purchase merchandise or service from XXXX XXXX XXXX on XX/XX/XXXX I disputed the charge unsuccessfully multiple times with Chase credit card. 

XXXX XXXX XXXX asked me, when contacted, to withdraw the dispute case I filed with Chase credit card as a prerequisite for any negotiation.
Product: Debt collection

My Brother whom I have power of attorney both personal and estate. Had a bank account with SunTrust. Truist merged with Suntrust around the time of his death. I issued to SunTrust at the time his XXXX XXXX and a copy of both Power of Attorneys. I was also placed as secondary on all his accounts with SunTrust. All the accounts were closed MONTHS after his death and in good standing. I keep receiving notifications of debt from Truist Bank. I have issued over 3 copies of the Power of Attorney Personal and Estate as well as his death certificate and they have conveniently misplaced or lost all the copies. I have told them to quit contacting me or sending me mail to my home address as well. They have not done so and are misbehaving in the collection of a false debt from a deceased person. Upon speaking with them again I asked for the number to their legal department and they purposefully gave me a number for a life alert bracelet sales number instead of the number to legal. I am as well not listed as a joint account holder on the account in question either which was done 1 year before his death.
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Debt collection

I call this company too ask about was my collection about after I see my   XXXX   XXXX    score and notifications from them and they told me they call number off time when never happened and they said they send me mail to my address when I never get anyone from them
Product: Debt collection

I am writing this due to non-compliance with COMENITY/VICTORIA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I sold my house in XX/XX/year>. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

New information regarding complaint number XXXXMy name is XXXX and I am submitting this complaint myself. I received a letter from Equifax dated XX/XX/XXXX confirmation number XXXX regarding the inquiries listed. I, XXXX XXXX XXXX a consumer DEMANDS that Equifax remove these inquiries from my credit report and file IMMEDIATELY as they are a violation of my rights as a Federally Protected Consumer under title 15 chapter 41.USC 15a ( 2 ) ( b ). Also if I did not give Equifax to consent verbal or written consent Equifax is committing fraud which is under 18 USC 1028A. 

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

EQUIFAX is reporting inaccurate information that doesnt belong to me. 
On XX/XX/2020 I sent EQUIFAX a letter to update/ correct my personal information.