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

I have file a complaint under XXXX. Instead of Transunion fixing the issue, my account has been blocked. As stated previously, I sent the notice in the mail to remove an incorrect bankruptcy that was appearing on my credit report a year ago. In addition, I complained that I can not access my online account. I have tried calling and was told it would take 3 days to fix and more than a week has gone by and still not fixed. Instead it is coming off as retaliation for complaining since now my access has been completely blocked. Transunion needs to get their act together. I don't have an issue with other reporting agencies.
Product: Debt collection

The company responded telling me they dont need a signed contract or to prove that an account is mine. They refuse to remove it & are telling me that a fraudulent address is mine. I DO NOT owe that account NOR DO I have or ever had any affiliation with the address linked to that account. It is a fraudulent address on my profile XXXX XXXX XXXX XXXX # XXXX agricultural/single family IT IS NOT MINE. If they dont provide a wet signature, signed document, photo, Lease or any other valid PROOF I want it REMOVED with an apology or my next step is contacting my attorney. SEE THE CIRCLED DOCUMENTATION, ADDRESS, ACCOUNT NUMBER, COMPANY & DATES.This is malicious and I WILL NOT let this go without financial recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, such as XXXX, TransUnion, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX bankruptcy. All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX  / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Checking or savings account

Re : My submission, number XXXX I opened a Time Deposit account with BBVA Compass on XX/XX/XXXX and deposited {$150000.00}. The maturity date was XX/XX/XXXX. According to BBVA Compass Non- Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX, there was no early withdrawal penalty.
OnXX/XX/XXXX, I purchased a new home for my retirement, and withdrew {$120000.00}, and was charged a 3 % early withdrawal penalty of {$3700.00} and additional fees of {$37.00} I was very surprised they charged me a 3 % penalty for an early withdrawal fee even though it was not a provision in the Non-Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX.
I made a request for assistance to the Consumer Protection Assistance and Compass for a refund of the early withdrawal fee. However, I was told that I needed to make the original request myself even though I did make the original complaint on this issue.
The address of the bank is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX. I have attached the original Non- Consumer Time Deposit Agreement and Disclosure Statement with Compass Bank , and Time Deposit showing the 3 % early withdrawal that I paid.
Thank you. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off Wakefield and Associates in XXXX. They have not reported my payment to the credit bureaus. I called them and they said they will at the beginning of XXXX. They still have not reported the full payment of XXXX.
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 name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : Credit Coll Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient Ffelp borrower since 2006. XXXXoan increased from XXXX to XXXX today. One of those years they put me on an ibr without telling me the ffelp would not qualify for loan forgiveness after 25 years. Also told me after leaving ibr that the prior year would not count toward 25 years if so joined ibr again. They made me pay a full regular payment to leave the ibr. A few years later I asked for help joining a XXXX XXXX  And refused to help or advise me on best plan. They have succeeded in keeping me a payment plan that sees my balance rising and lower than dept Ed programs thereby keeping dept Ed programs unavailable to me
Product: Credit card or prepaid card

Citibank accidentally closed my Costco credit card account. Citibank thought I did not have an active Costco account, but I did have an active account. Without checking that I did have an active account, Citibank just closed my credit card account. I immediately called them and they confirmed that they accidentally closed the account without checking to see if I had a Costco account. They agreed to reopen the credit card account, but only after pulling my credit report. I asked them if they could reopen the account without pulling a credit report again because I did not want a ding on my credit, and they said they had to pull it again even though the account was closed because of their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I received a check from Wells Fargo today. It is a check that " represents the difference between the full amount of the refund owed under your GAP contract and the GAP Refund you received previously ''. 

The problem is, I NEVER received the first refund. When I called Wells Fargo today, the representative told me the Wells Fargo did not handle the first distribution and he did not know which bank did. He was not able to help me.
Product: Credit reporting or other personal consumer reports

Accounts have been paid in line with requirements by the creditor also some of the purchases were by ex-spouse and one was a fraudulent charge on my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent in a notarized debt validation letter via usps with ceritfied mail with signature receipt # XXXX XXXX XXXX XXXX. Which was signed by a XXXX XXXX on XX/XX/2021. I sent in a debt validation 15 US Code 1692 ( g ) ( 4 ) ( 5 ) ( b ) request a signed and contract between Americollect XXXX XXXX, XXXX XXXX XXXX WI XXXX. AMERICOLLECT was asked by the consumer to remove damaging information from my credit file upon receipt of my letter. Since sending in my debt validation letter to AMERICOLLECT they have sold the debt to a different debt collection company however still furnish misleading and demanding information to my credit files.As per 15 US Code 1692 ( a ) ( b ) ( f ) abusive deceptive and unfair debt practices by a debt collector. 15 US Code 1692 ( f ) ( 1 ) unfair practices. I am seeking remedy for these damages as per 15 US Code 1692 ( k ) Civil liabilities ( 2 ) ( A ). Not responding in a time fashion to my communication attempts to remedy this issue. OTHER VIOLATIONS WARNING 15 US Code 1611. I contacted XXXX to have the information updated and or removed to no avail.Waiting on this company to comply with the comsumer and remove or update files and to stop furnish this damaging information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

RE : XXXX XXXX XXXX - XXXX
Product: Student loan

I am the co signer on my daughter 's student loan. My daughter suffers from XXXX, XXXX and other XXXX  health issues that arose during her XXXX year away at school. for these reason, she was forced to withdrawal from school. she has been XXXX on 3 separate occasions and is still in the process of recovery. 
She began her attendance at XXXX in the fall of XX/XX/XXXX. She withdrew from all of her classes in the fall of XX/XX/XXXX and subsequently did not return to school thereafter. 
She did contact Wells Fargo regarding the student loans to get the deferment with the hope that she just needed time to find the coping skills and help she would need to go back to college. Unfortunately, this was not the case. She then contacted Wells Fargo with the hopes to lower the payments or restructure the loans. We both provided them with all the necessary paperwork ( it should be noted that this took months to compile as financial issues are a huge trigger for my daughter 's XXXX ) After this time, Wells Fargo called my daughter to say that " you are in such bad financial condition that there is no payment you could afford, so therefore we can not help you and the same monthly payments will be due '' and by the way, all the late fees and such have added up during this time. 
we are simply looking for some help during this time of recovery for my daughter and I. As a cosigner, I know I am responsible as well, but I am a XXXX mom of XXXX and am still paying for all the XXXX care and hospital bills from her condition ( as well as XXXX surgeries I have undergone during this time, as well as a hospital stay bill for my son ) Please let me know if there is any help for us at this time. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.
Product: Mortgage

I contacted Bank of America to apply for a mortgage pre-approval. I provided all the necessary documents and there was a hard check on my credit score, but even after changing my bank agent one time and contacting the bank multiple times, I never hear a response back. Eventually my mortgage application vanished from my online banking account without me receiving any response. I recently contacted the bank about it and was told that the application was too old and I had to reapply.
Product: Credit reporting or other personal consumer reports

My account with 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 reported in those account to be removed.

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 21 days before the payment due date. 

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 21 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 reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5300.00}
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I submitted an request for investigation of 3 unrecognized XXXX inquires. Two on XX/XX/2024 and one on XX/XX/2024. Hours later, Equifax, through their dispute center, posted a result to my request. It is stated by them that this report was mailed to me. However, I Never received it in the mail. I just happened to stumble upon it on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaints # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

fraudulent accounts XXXX XXXX XXXXXXXX XXXX XXXX A NEEDS TO BE REMOVED FROM MY REPORT THESE ACCOUNTS ARE FRAUD AND WERE OPENED WITHOUT MY CONSENT AND OVER XXXX HARD INQUIRES
Product: Money transfer, virtual currency, or money service

Xoom took my money to transfer. Tranferred it to partner. Been saying technical issues for nearly a week. Basically still have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of fraud worth {$7600.00} through cashapp. 

I contacted my bank and they instantly disputed the transaction and processed a chargeback. 

On XX/XX/XXXX cashapp claimed they reversed the charge and sent it back to my debit card. 

I did not see the reversal and called my bank, my banks also did not see funds cashapp claimed to return. 

Based off the emails cashapp has sent to me they are claiming they issued me a refund and that I should contact my bank to receive my funds. 

Which is a total lie, they claim that they are legally required to return all funds that are disputed by the issuing card handler. 

I have all the emails and messages.
Product: Mortgage

Looking to refinance my primary mortgage, so applied on XXXX website, as part of the process by creating an application. 

After deciding to move forward with another lender, I decided to withdraw my XXXX application. However, there are no tools on their webpage that enables a consumer to withdraw their application. 

XXXX XXXX about this and they indicated that they will rather withdraw on their end. 

This makes consumers vulnerable to XXXX and I think that is a predatory/UDAAP practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # 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 a consumer reporting agency can not furnish an account without my written instructions. In which I have not given my consent or instruction to do such.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX My XXXX  account was reported late in XX/XX/2024, however I made a payment on my account at the XXXX store. When I disputed it with XXXX they said the payment was made, however, something about the billing cycle that I did not understand. The payment was made after the previous payment due and for more than the required minimum.