23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a XXXXXXXX XXXX XXXXXXXX XXXX reporting on my credit report twice and it's showing as a duplicate. This needs to be removed off all 3 credit bureaus immediately as this is affecting my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX,  XXXX. XXXX  XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. 

Please see attached,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report late payment which didn't occur, without providing the option to opt out of that information reporting to a non-affliated 3 rd party prior to them reporting it in a court with 15 US CODE 68 0 2 XXXX must provide me with documentation of this and proof of my consent which is also a violation of 68 0 3 and 15 us code 68 0 1 Also, code 15 usc 1666 and code 15 usc 168 1 81 b when information is inaccurate as it is reported Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Moreover, late payments are transactions per 15 us code 1681 : any report containing information solely as to transaction experience between the consumer and the person making a report, this code that transaction are not included in a consumer report
Product: Debt collection

I was contacted by phone and text from AA recovery solutions about an allayed XXXX account. They sent me threatening text which I will upload saying if I dont contact them today it will be a direct refusal on my voluntary option meaning to me sue or other extreme measures when they didnt even mail me a letter or validate debt etc. they also called me and used same language with veiled threats they are not licensed in my state to collect debt
Product: Mortgage

To Consumer Protection Bureau and Chase Mortgage XX/XX/XXXX As of XX/XX/XXXX Chase Mortgage refused my monthly payment {$4000.00} per month due to chase claiming that I should be paying property taxes {$1300.00} based on incorrect value. 
I was told by Chase representative if I can not make monthly payment {$4300.00}. XXXX. 
Chase will no longer accept the payment. It is unfair practice of debt collection by chase bank. 
I have called Chase and spoke to the representative and disclose to them that my taxes are not correct and the representative told me she can not help me in this matter. My last conversation with the representative regarding my taxes was XXXX XXXX. 
( SORRY CAN '' T HELP YOU ) I have been with Chase Bank since XXXX I have always been mistreated and misinformed about a lot of information that I will share with my attorney. 

I have a Notice from Chase Mortgage that they will foreclose on me starting XXXX XXXX. 

I am sending you a copy Of Notice that I received from XXXX County only 15 days ago and the decreased decision dated XX/XX/XXXX. like I said as of XX/XX/XXXX I am sending you chase monthly statements that clearly says that they did not make the correction to my taxes and forcing me to foreclosure. Because of Chase irresponsible action which includ unfair debt collection I have suffered financially, emotionally I can not function on daily basis fear of wrongful foreclosure. 

As evidence I am providing you with the following documents 1.copy of decreased adjustment event XXXX XX/XX/XXXX two pages 2. intent to foreclose on my property which is my primary resident instead of fixing the problem pages statements from Chase that clearly shows they are still unfairly trying to collect the wrong amount of impounds from me that took me to wrongful foreclosure 3.Escrow analysis that clearly shows but Chase has been paying the wrong amount to XXXX County and not making the correction the way they were supposed to based on the time I received it from them
Product: Checking or savings account

I normally only use Wells Fargo Bank to pay my car loan and personal loan. Both are almost paid off. I needed a cashier 's check to pay state taxes and my depositing bank is out of state. So I and my husband sent funds by XXXX and check to the XXXX account on XX/XX/22 and early morning ( XXXX AM ) on XX/XX/22. I sent via XXXX {$1500.00} on XXXX and {$1500.00} on XX/XX/22. Two checks from XXXX for {$700.00} and {$6000.00} were deposited on XXXX. About XXXX on XX/XX/22 XXXX and I went to Wells Fargo to get the cashier 's check. I went inside the bank and was able to complete the transaction to obtain the cashier 's check and then go to the post office. 

Today, when I went online to pay my car note I saw that I was {$6000.00} overdrawn. When I called Wells Fargo I was told that the funds hadn't cleared from XXXX 's ( my husband ) account. But, his bank indicated that they had. After asking for a supervisor, I was told again by the supervisor that the funds weren't available. When I asked why this wasn't caught when I physically went into the bank and it should have showed on the bank teller 's screen that my funds would have been insufficient for the amount, the supervisor admitted that " yes, that's true, but... 

I'm upset, and frustrated. I don't feel I'm being treated fairly with this and that this should be corrected on their end. The funds have been disbursed and I should not have to pay overdraft fees, etc... This is not the first time I have felt dishonored by Wells Fargo. When Wells Fargo learned in a phone conversation I had with a supervisor XXXX XXXX years ago that I had changed my depositing bank from them to my present out of state bank, the woman on the phone became haughty and immediately changed the terms of my loans. She didn't even state what the changes were being made. But, I saw where the amount of the personal loan had changed, I don't recall about the car loan. That's why just as soon as the loans are paid off, I am telling them goodby.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove the following account from my credit report after XXXX  and XXXX  has deleted the following accounts. Experian still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX # XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Product: Debt collection

They claimed that all dates are correct and are demanding that I pay them in order to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX  to settle my account. None are even to be posted to my account. 

Experian noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

A credit card was opened without my knowledge and I never knew until I looked at my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done a thorough look over my credit report and I do not recognize these inquiries as well as I do not have accounts with them : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

On XX/XX/XXXX, I received an email from Simply Be/XXXX notifying me that PNC bank had paid them {$10.00} and the payment was processed successfully. I called XXXX bank and wrote to them online asking how a payment could be made from a closed bank account. Today is XXXX XXXX, 2016 and XXXX XXXX ( my payee ) closed her bank account on XXXX XXXX, 2016. I have no SSI check for the month of XXXX. When I called Social Security, an agent informed me that I do not have a check because PNC bank is holding my SSI check in the closed account and she did n't know what i should do about it.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding persistent inaccuracies in my credit report that have not been resolved despite these attempts to correct them through direct communication with the credit reporting agencies and creditors. 
I am requesting that you could help me to : 1. Conduct a thorough investigation into the inaccuracies I have outlined.

2. Ensure that the credit bureaus and creditors involved take the necessary corrective actions.

3. Facilitate the removal of the erroneous late open accounts and outdated/inaccurate public records from my credit report. 
Accurate credit reporting is crucial, and despite my repeated efforts to correct these errors, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on the CFPB to intervene and ensure these inaccuracies are rectified. The following items should be remove as soon as possible : XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in XX/XX/XXXX and again in XX/XX/XXXX with Equifax regarding 2 hard inquiries and a loan for XXXX XXXX. The dispute was filed due to it was fraudulent. I provided Equifax with a police report, dispute letter, FTC report and identification docs, however after filing several disputes no action has been taken to remove the loan. They did however remove the inquiries. I tried contacting the creditor ( XXXX XXXX ), but the number provided on my credit report is disconnected. I have also tried looking them up on the internet and was unsuccessful. Equifax refuse to remove the {$1500.00} loan that was opened on XX/XX/XXXX. I informed Equifax my personal information was involved in several Data Breaches including 1 with them. I have since placed a fraud alert on my credit file. I'm in the process of purchasing a new home and this dispute is causing a delay in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received " your card won't be reissued '' letter dated XX/XX/XXXX from Citibank " due to a bankruptcy or a charge-off '' Phoned Citibank, they say they can not say reason, and to check XXXX. 

Credit reports from XXXX and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices in accordance to the customer financial protection act, CFPA. Cash app failed to take timely and effective measures in regards to preventing fraudulent occurrences, leaving my account vulnerable to information exposure.
Product: Student loan

You emailed me today. 
I emailed you i had supporting documents.
Product: Student loan

NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.
Product: Checking or savings account

I opened a checking account with Capital One lately and I received my first direct deposit from an employer. When I go to my banking phone app I notice something that says : Your funds are currently not available for withdrawal. please call us at XXXX. 

I called the number and spoke to an agent and the agent told me to go a Capital One branch. I went to a branch and the asks me for my ID, I provided my Employment Authorization Card which I used to open the account in the first place. The agent told me to provide another form of ID, and he asked me specifically for my password. On the next day, I came back to the bank with my passport. I met with another agent who asked me for my Social Security Card and I was upset and asked why they didnt asked me that yesterday. I came back to my place and bring back my social security card some minutes later. I met with another agent to whom I handed my Social Security card. She called on the phone multiple times, I waited for a long time just for the agent to let me know that my Social Security is so new that they had a hard time verifying it, and that was the reason they placed restrictions on my account. The agent couldnt provide a timeframe for the investigation. So I went out with the issues not resolved still. 

After some days, I called Capital several times only for them to tell me that they are still investigating. Last Monday, which was the XXXX XXXX XXXX XXXX I opened a checking account with another bank, and they didnt have any hard time verifying my social security. Today I called Capital One again, and they still investigating and I asked for details and they couldnt provide any details about the investigation. 

I being this was enough and I decided to file this complaint. Today I told the Capital One agent that I dont want any account with them anymore, I just need my money and close the account. The agent told me that I have to wait until they finish their investigation for that. This is frustrating and I want my money.
Product: Credit reporting or other personal consumer reports

Equifax is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent.. Nor is this account reporting consistently across the major 3 Credit Reporting agencies XXXX XXXX XXXX XXXX XXXX is reporting Unknown as a description of my payment history and has changed history that doesnt show consistency.. Please Explain how history is unknown..for it is not a reporting Status
Product: Mortgage

This started in XXXX on the XXXX when we switched our mortgage over to a biweekly payment. The NewRez system does not allow principal only payments via their website or automated telephone service so I am forced to speak with a person each time. Problem is they have limited hours and are now closed on weekends ( due to Covid ). So, on XX/XX/XXXX I called them to make a principal only payment of {$3000.00}. The first person I spoke with hung up on me. So did the second. The third attempted to make the payment but stated she was unable to due to a biweekly payment already being processed so I would have to wait until XXXX. I do not find this acceptable since I feel I have the right to make a payment whenever I choose, per the contract terms. I gave in and they were supposed to apply my {$3000.00} principal payment that Monday. Monday came and went, as did the entire week. I looked at my account with NewRez on XX/XX/XXXX and saw that they tried to make the principal only payment three times but were unable so they charged me a {$15.00} NSF. I called this morning, XX/XX/XXXX. Again, two people hung up on me. I then asked for a supervisor who also hung up on me and made no attempt to call me back. I finally reached a supervisor after hours spent on the phone who was willing to help. She listened to the phone recordings and determined the customer service agent was in error so she reversed my NSF fee. She also stated she would process my now {$3100.00} principal payment ( to differentiate from the other {$3000.00} payment so that I can keep track of their errors XXXX. Except this time, instead of applying it all to principal she applied it as a regular payment ( escrow, interest, and principal ). Honestly, I have had it with this company. To top this all off, NewRez does NOT apply a biweekly payment to the mortgage until they receive two payments for the month. This means I am not collecting interest on my money they are holding onto for two weeks each time, but am still accruing interest on the mortgage which otherwise would be reduced the principal component of the biweekly payment. I believe this is illegal. Their customer service at best is incompetent, at worst, extremely RUDE. Never helpful since I have to waste hours yet AGAIN on this coming Monday explaining how they screwed up again. No person should have to endure such idiocy.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX XXXX Dear Credit Bureau, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I can't believe that inaccurate accounts have shown up on my credit report tonight, and Im completely confused as to why. I routinely check my report, but this time there were strange discrepancies out of nowhere. I refreshed the page to see if it was just a mistake, but nothing changed. Im now requesting a thorough review of the documents Ive sent to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX