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

Trans union continues to verify several debt as accurate with out providing proof such as a sign credit appl, load prepayment agreement or loan documention and have fail to comply with the federal FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX XXXX looking at small personal loans and received a call from 1st Franklin Financial in XXXX Georgia on XX/XX/2020. After speaking to them about the process of their loan and giving them some of my personal information I told her to not pull my credit due to me not wanting to give them collateral. I did not want to have one of those loans. 
I was never verbally asked if My credit could be pulled nor did I ever verbally say it could be pulled. Before the phone call ended I specifically told her do not pull my credit. Before the phone call ended I verbally told her do not pull my credit and was not informed she already had or did after the phone call ended .Now I have a credit pulled from First Financial that I did not approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes via mail to XXXX, Equifax and XXXX  and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days.

Dept of Education-XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX XXXX- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX  XXXX XXXX  XXXX XXXX Never paid late-Please adjust XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year>2025 Consumer Financial Protection Bureau Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

FedLoan  servicing has continually placed me into retroactive administrative forbearance on loan sequences 01 and 02 during times of repayment, while I have been employed by a PSLF-eligible employer, and even while my loans were being serviced by another federal student loan servicer ( XXXX ). In response to CFPB complaints XXXX-XXXX and XXXX-XXXX, FedLoan removed this retroactive forbearance status but in accordance with a letter dated XX/XX/2019 has reapplied it again. Additionally, in accordance with CFPB complaint XXXX-XXXX, XXXX, my prior servicer, verified that I was in repayment with them during part of the time that FedLoan seeks to retroactively claim administrative forbearance and erase my payment history. I am concerned that FedLoan is attempting to erase time during which my loan was technically in repayment status and that they continue to make this error over and over again with no end in sight.
Product: Checking or savings account

Dear United States XXXX XXXX XXXX and the Government of XXXX, I am XXXX! 
Wells Fargo Bank has been taking some of my Social Security money on which my beloved and loving wife, best friend, and soulmate XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX so vitally depend and is planning to take more of my Social Security money when the Social Security Administration on or before Wednesday, XXXX XXXX, deposits it in my Wells Fargo Bank account numbers XXXX! 

This is the very same bank, Wells Fargo Bank, that is, which at first refuse to pay XXXX XXXX XXXX {$260000.00}! Wells Fargo Bank was the ONLY financial institution to refuse to make payment in a settlement totaling tens of millions of dollars! Observers were " stunned ''! 

XXXX, " Wells Fargo Bank to Pay XXXX XXXX  '', XXXX XXXX See XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX Despite my huge number of emails, letters, and telephone calls and those of my beloved and loving wife XXXX, Wells Fargo Bank still refuses to return the aforementioned Social Security moneys to more or to tell me it shall not be taking anymore of my Social Security money because of its improper and illegal and unethical and immoral policy of MAXIMIZING OVERDRAFT FEES for which it had to pay a huge sum of money to the Consumer Financial Protection Bureau as PENALTY! 

That is to say, Wells Fargo Bank IS UP TO ITS OLD STRICKS! 

This bank that at first refused to make payment to XXXX  XXXX XXXX XXXX! Nor is this by any means the only gross offense of Wells Fargo Bank and so over a relatively brief seven ( 7 ) years it has been as PENALTIES been required to pay FEDERAL regulators the humongous sum of {>= $1,000,000}! 

What kind of financial institution is this Wells Fargo Bank? More like an insane asylum, with all due respect, the respect it did not show those XXXX XXXX XXXX XXXX and me XXXX XXXXXXXX!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

On XX/XX/2020 I settled account # XXXX with Bank of America/ XXXX . I recently reviewed my credit report and I have noticed that Bank of America is still reporting my account inaccurately. XXXX  is still reporting this account as " Derogatory '' instead of " paid. '' They have continued to report inaccurate reporting to XXXX  and XXXX  after I have written the credit bureaus to update. I have attached my receipt of payment and wish for Bank of America to correct/update my credit reporting across all 3 major credit bureaus. Because of this account I have been categorized in subprime level and wish to have this resolved immediately. Thank you.
Product: Debt collection

I received a text message waking me up out of my sleep at XXXX on XX/XX/23 from credit collection services and it isnt lawful to reach out at XXXX. This type of behavior is abusive, unprofessional and unacceptable. Please hold these 3rd party collection agencies accountable to the laws in place around pursuing debts.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as they are fraudulent and were not authorized by me. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel student loan debt and update my consumer report to reflect paid in full.
Product: Debt collection

Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half in XXXX to settle outside of court. I explained I was just getting back from maternity leave and would only be able to make payment of XXXX and the remaining on the XXXX and XXXX of XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " court house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.
Product: Bank account or service

My checking account was charged fees of XXXX for XXXX overdraft for 7 business day ( 9 calendar days ). On XXXX my checking was assessed an overdraft fee of XXXX for a check presented against my account ( XXXX ) for {$200.00}. My balance was XXXX after submittal. I received no notice in the mail on this item and was assessed XXXX sustained overdraft fees during this period. The first was on XXXX and the second sustained overdraft fee on XXXX both for {$30.00}. I understand the initial overdraft fee being assessed of XXXX. However, I find the sustained overdraft fees to be abusive and predatory in nature. Not long ago, sustained overdraft fees were generally applied after 10 business days. This time of 10 days allowed for the notification time that may occur for when a client may not be aware of this event. In my case, XXXX were applied before 10 calendar days occurred. Out of curiosity, I used an interest rate calculator to determine what this interest rate might be if I were to convert this small matter to a loan situation and I was told that the calculator could not estimate the rate because it was too large. So I adjusted the amount I was negative to XXXX ( but in reality XXXX ) against the total amount I would pay to rectify the matter of XXXX and the interest rate amounted to 192 %, which I believe is above predatory. I feel that 1 ) this matter is very abusive, borderline criminal. 2 ) the policy does not allow for sufficient communication time to allow for rectification IF it was determined that the abusive extra charges should be allowed to continue. Again, I do not believe Citizens bank should be allowed to pile on these types of fees with this level of ferocity. I do understand that Citizens bank is a business and that profit is their motive but this policy and practice is a pure money grab with little or no notification to it valued client/fellow citizen. Please feel free to contact me at XXXX, thank you XXXX XXXX
Product: Checking or savings account

They've reimbursed me for purchases that where made unauthorized by me and then, made my pay them back for the reimbursement, they refund my accounts for unauthorized purchases and payment made from my accounts.
Product: Credit card or prepaid card

This complaint is in reference to my XXXX XXXX account. I made a purchase from XXXX XXXX in XXXX of 2017 and stayed current with the payments. However, my account was purchased by another lender without my knowledge and I was never notified. I've since encountered several billing issues that have resulted in a problematic sequence of events with this lender. The fact that I'm not receiving a bill leaves me behind on several months worth of payments. After the initial breach of terms that I had agreed to I suspect this is the lenders attempt to reconcile the account in full to reduce it's liabilities or sever it's liability altogether by forcing this account into default. I have received hundreds of harassing phone calls from unidentified callers claiming to be associated with this bank demanding bank account information which I have refused to disclose over the phone to an unidentified caller ( sometimes from XXXX XXXX. The bank has admitted a billing error, but refused to bring the account current a resume accepting the agreed upon amount as payment. On every statement they offer credit counseling, which I suspect they charge a fee for. This may play a role in the reason why they do this. I have never agreed to auto-draft payments as they not consistent with my pay frequency, nor did I agree to balloon payments.
Product: Credit reporting

They have received no response. I can not logon online to enter dispute due to incorrect information about a mortgage on my credit file. Transunion has incorrect information on my file and is now making it very difficult to report it. The following information is incorrect and not mine, so unless proof of my signature is provided it must be removed from mu report. 
1- XXXX XXXX XXXX # XXXX - DO NOT KNOW OF THIS2 - XXXX # XXXX AND # XXXX THESE ARE NOT MINE AND SHOULD BE REMOVED FROM MY REPORT. 
3 - XXXX XXXX XXXX # XXXX - THIS IS NOT MINE AND NEEDS TO BE REMOVED FROM MY FILE AND REPORT.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cell and particularly in line of the CFP wants to highlight significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution and fail to investigate my claims adequately.

They informed me that recovering was impossible, and that tracking transaction was unfeasible the CFPP neglected to protect consumers, also offender exploit system, leaving users this lack of accountability and transparency unacceptable and raise a serious concerns about consumer safety.
Product: Vehicle loan or lease

Date - XX/XX/2020 XXXX XXXX $ Called them ( Fifth Third Bank ) to pay the balance of the new car and apply for economic hardships. 
Called them again on XX/XX/2020 to check if things were good. They told me they reported credit bureau with reposition of my car. 
Paid balance to bring account to active. but they told me to dispute the issue in FTC. 

Thx
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to go through the transunion agency to get inquiries & collections verified & removed under the FCRA Section 609 ( a ) ( 1 ) ( A ), Id now like to file a civil complaint under the 15 USC 1692k
Product: Debt collection

I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called XXXX XXXX XXXX and their website is : XXXX : XXXX Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.
Product: Debt collection

I have received invoice from CONVERGENT debit collections thru XXXX XXXX. Amount is XXXX. I did spoke to XXXX customer service about transferring my number to XXXX wireless and that's time i did ask for my last payment and they said u don't have any payment if i canceled my service on certain Dates and that's what i did, so where this bill comming from.
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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( 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 reporting Knows or has reasonable causes to believe that the information is inaccurate
Product: Credit card or prepaid card

WELL, I PURCHASED ( 4 ) OF NETSPENDS PRE-PAID CARDS. I PURCHASED THEM XXXX XXXX, XXXX & XXXX 2021. SO, THE CARDS WERE LOST/STOLEN & THE THIEF USED THEM & PURCHASED ITEMS ON LINE WITH MY CARDS. I CONTACTED NETSPEND BUT THEY DID NOTHING. THEY TOLD ME SOMEONE ELSE '' S NAME WERE ON THE CARDS & IT WAS NOTHING THEY COULD DO. OTHER WORDS THE THIEF REGISTER THE CARDS IN HER NAME BEFORE I WAS ABLE TO. NOW LISTEN TO THIS!! NOW TWO OF THE CARDS THEY REFUNDED, CAUSE THE THIEF DID '' NT REGISTER THOSE SHE JUST SPENT THE MONEY OFF THEM. THAT '' S WHY I THINK THEY REFUNDED THOSE. NOW, THEY ALSO TOLD ME THAT THE THIEF CONTACTED THEM AFTER I CALLED & REPORTED MY CARDS STOLEN. AND REGISTERED THE CARDS I '' M COMPLAINTING ABOUT. NOW THEY KNOW THIS WAS '' NT ME SO WHY ARE YOU NOT DOING YOUR JOB!!! INVESTIGATING THAT PERSON!!! YOU SAID IN YOUR OWN WORDS I WAS '' NT THE ONE WHO USED THE CARDS AND MY NAME DID '' NT MATCH ... .I ALSO SENT THE PICTURES & RECEIPTS OF THE CARDS BEFORE THEY WERE LOST/STOLEN. I HAD SENSE TO TAKE PICTURES OF MY CARDS & KEEP MY RECEIPTS RIGHT AFTER I PURCHASED THEM!!!! THE ( 2 ) IM COMPLAINTING ABOUT WERE {$500.00} EACH.!!! THAT '' S ABOUT IT.. THANKS!!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, my personal information was used to open fraudulent accounts in my name without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete all references to the accounts listed below from my credit report : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Amount : {$2900.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$41000.00}
Product: Credit reporting

I am a victim of Identity Theft I sent Experian an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. Experian is also reporting the same account ( XXXX XXXX XXXX ) XXXX under XXXX different account numbers
Product: Credit card

We have spoken to both American Express and the merchant, XXXX, on numerous occasions to attempt to correct this issue. We purchased an item through XXXX, and returned the item. Tracking information for the return was presented to both XXXX and Amex, and there is no dispute that the item was returned, to our knowledge. For some reason a charge, reversal, and a second charge for the item appears on our Amex statement. So, in essence, we are being charged for the item even though it was returned ( second charge for same item ). When we contact Amex, they tell us to contact XXXX. When we contact XXXX, they tell us to contact Amex. The amount of the charge is {$290.00}. If the amount were small, we would have just let it go at this point because of the hassle. Unfortunately, the amount is sizable, and we want the amount credited to our Amex account. ( Again- no one is claiming that the item was not returned. They just can not help us with the faulty accounting / secondary charge to the account for the same item that has been made in error, and apparently no one at Amex is willing to do the research to correct it. )