23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Collection Services ( hereinafter CCS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. CCS lacks a bonafide and meaningful relationship with me, meaning CCS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by CCS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, CCS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, CCS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that CCS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from CCS, I was able to mail them a notice of dispute more than 30 days ago, and requested that CCS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that CCS responds to this complaint countering that it did mail, or send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that CCS provide me with the name or names of the person or persons who possess personal knowledge of those facts, as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX regarding, regarding reporting a XXXX XXXX account on my credit file I have asked for a full investigation and to update me on the status of the investigation I have not got a update on the investigation. this account information is incorrect and should not be reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is many years later about Navient. I previously filed complaints about XXXX XXXX in XXXX. 
I started getting harassing calls first from someone twice and they said that they are calling from " XXXX ''. Then they said that they have a client that is working with me that would like to talk with me. Then they transferred it to a man, without even waiting for my approval. The man said that he is calling about my Navient XXXX XXXX XXXX. I told him that it is over. Then he called and left a message using scare tactics. His voicemail said that he is working for Navient and he needs to get my work authorization. I didn't call him back. 

Why didn't I call hem back? Because those Private Loans were charged in XXXX and they passed through through four years of California XXXX XXXX XXXX. Then they kept on emailing me and reported my credit for another 10 years. After 10 years Sallie Mae/Navient dept was over and I never paid for them. They removed the debt from my XXXX XXXX XXXX Credit Report XXXX XXXX. 

I checked my Credit Report today and I found out a wrongfully charged old debt that said " It was paid at XX/XX/XXXX ''. That is a lie. I never paid them and they are being sneaky and they are scamming me. They have no transaction to approve my payment to them on XX/XX/XXXX. They basically set the clock back to reactivate my old loans. I want Navient to take responsibility for their wrong doing and remove their newly activated loan. 

Here is a screen shot of Navient 's stupid lie and reporting! 

NAVIENT Exceptional payment history {$11000.00} Balance updated XX/XX/XXXX Account info Account name NAVIENT Account XXXX Original creditor- Company sold- Account type Education Date opened XX/XX/XXXX Open/closed Open Status Open/Never late. Deferred, payments begin XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Paid off 0 % Monthly payment {$0.00} Last Payment Date XX/XX/XXXX XXXX Months Responsibility Individual Your statement-
Product: Checking or savings account

I opened up a XXXX XXXX  checking account and funded {$50.00} with my Ally Bank Debit card. Ally Bank processed the transaction as 4 transactions ( credits and debits ). The first transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The second transaction was on XX/XX/XXXX and {$50.00} was credited back. The third transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The fourth transaction was on XX/XX/XXXX and {$100.00} was withdrawn. The net effect is that {$150.00} was withdrawn yet only {$50.00} was transferred to my new XXXXXXXX XXXX checking account. Ally Bank needs to credit my checking account back the difference of {$100.00}
Product: Credit card or prepaid card

I applied for my macys XXXX XXXX and was approved they never sent it it was a long process they said XXXX allowed to have XXXX a store version and XXXX when I Initially wanted the XXXX I didnt qualify but now that I do they never mailed It and recently found out that it was approved by letter but then they closed it this isnt fair after putting me through such a a hassle
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to have the last payment made date looked into. It has still not been fixed. It almost seems whoever might have did it so that I would report the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report World Finance has a account which has 2 different account number and balances Information is not the same Like its 2 separate accounts which one is the right amount
Product: Checking or savings account

My issue relates to a fee that was assessed for a service that was not rendered and which, according to the bank, it does not even have the capability to provide. When I explained all of this, they still didn't remove the fee, although agreed that no service was rendered nor could be rendered. I spoke with BofA agents XXXX, XXXX, and XXXX in XXXX New York regarding a {$30.00} stop payment fee on XX/XX/19. The fee was in regards to a request to stop payment request on a certified bank check. 

I made the request online. When I didn't see the funds from the certified check show up in my account, I became concerned, and I called the bank. XXXX, XXXX, and XXXX informed me that stop payment requests can not be processed on certified checks. I said no problem, but since you haven't provided a service and in fact can not ever provide that service per your bank 's policies, then please return the {$30.00} fee ( I can't pay a fee for no service ). If you can't do something EVER, then you should NEVER charge customers for that, because they don't know your company 's internal policies, and I tried to do business with BofA in good faith. 

They all lectured me, argued with me, and told me that fee was acceptable per the fine print of the terms and conditions. I feel tricked, I feel disrespected. I have been a customer for 14 years with Bank of America, and I will now be leaving that bank. Ridiculous.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request too pursuant to FCRA sub section 650B ( 15 USC sub section 1681c-2 ) that you Equifax, the consumer reporting agency, block information appearing on my consumer report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> acct # XXXX and an auto loan account opened at XXXX XXXX on XX/XX/year> acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed out a letter to Experian Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Experian since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Experian has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Experian must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.
Product: Checking or savings account

On XX/XX/2023 I attempted an ATM withdraw in the amount of {$500.00} from Regions Bank in XXXX, TN XXXX XXXX, using my XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The machine malfunctioned and did not disburse funds. The machine prompted me to remove my atm card in order to disburse funds. I took my card but the message remained on the screen. No funds were ever disbursed. I tried to cancel the transaction but the machine locked up then timed out. I went to another bank and got my funds. I noticed a few days later my account was debited for {$500.00} which included the {$4.00} transaction fee. I filed a dispute with XXXX. The results were not favorable and showed I received the funds which is totally inaccurate. I further requested another investigation to include a full audit and to include video from the atm machine.
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 XXXX Account # Starting in 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: Debt collection

Diversified Consultants collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX OF XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX OF XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions i also have an unauthorized inquiry reporting XXXX XXXX - XXXX
Product: Mortgage

I locked in a refinance rate of 3.875 % on XX/XX/2017. Underwriting complete, loan was preapproved. On XX/XX/XXXX I was told rate is going up to 4.125 % due to manual underwriting. Is this legal?
Product: Credit card

I am a victim of identity theft. I disputed this Belk account multiple times, and requested validation. This account does not belong to me and I want it deleted from my reports immediately. The debt validation including the original application was sent to me by the company, and shows the account was opened by someone living in another state that I have never lived in. The same state in which the majority of the identity theft took place. 

It is obvious this person just used my first name, date of birth, and social security number to open a fradulent account. Very clear cut identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with RE : Bankruptcy File Number XXXX they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Money transfer, virtual currency, or money service

I received money for services via Cashapp. I attempted to add my bank account and transfer funds to it, but they don't give you that option before you add a debit card. I added my debit card and transferred roughly half of the funds. Afterwards I was able to add my bank account. I did such and removed the linked debit card. I sent the remaining funds to that account. However Cashapp sends a text and app notification when a card or bank account is added or removed. Following the adding and removal of my debit card I received such messages and notifications. However following the adding of my bank account I received a notification and message that my babk was added, followed by a message that my debit card which I had removed and got notifications and messages that it was removed had been ADDED to the account. I immediately called Cashapp customer support to inquire why information I had explicitly revoked permission from them using in the form of removing it from my account was being added back without my permission. The person I spoke with was particularly rude and disrespectful and said without verifying and providing even more personal financial information they wouldn't address my issue qbd could only answer feneral questions. They already linked a debit card I explicitly removed so I had no trust in their integrity in regards to data protection regarding my finances, much less provide them with even more sensitive data before they would address what is either a glitch or an intentional, malicious disregard for privacy. So I told the customer service associate I had a general question and wanted to know how it was legal for them to add a debit card back to my account after I expressly removed it following me adding a bank account. The operator refused to answer the question until I provided my social security number, which is the most personal information a person owns as far as finances go. I suspect they're forcing people who won't provide a social security number, which they can not obligate customers to use, to utilize debit/credit transactions which fees. This would be opposed to direct bank account transactions which do not. This can not be the way a financial corporation is allowed to operate in the United States, while actively coercing and extorting consumers, half delivering services unless they provide more sensitive data than is necessary, and holding onto data after permission has been revoked.
Product: Mortgage

I am in a forbearance period and with my VA loan I am to be allowed 18 months of forebearance as per CFCB PNC bank wants to end this the end of XXXX I need to have my full 18 months ( end XX/XX/XXXX ) to finish the work we are performing on our home to be able to sell it. They are refusing to grant me my last month of XXXX forbearance. I was never late on a payment until COVID hit snd I lost my job. We just need these additional 4 weeks in XXXX. 
Please grant me my full 18 months as VA states I qualify for.Our home has plenty of equity. We are in our late XXXX and need the extra monies that will come from the sale of our home for retirement.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt in fact, therefore exist ( Please remove this account before I seek litigation for defamation of character ). XXXX  balance {$160.00}, XXXX XXXX XXXX  balance {$100.00}, XXXX XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$700.00}, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/scrub>/2024, XXXX XXXX XXXX/XXXX/2024, XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX  XX/XX/year>2024, XXXX XXXX  XX/XX/scrub>/2024 XXXX  XXXX/XXXX/2024, XXXX XXXX XXXX/XXXX/2024, XXXX XXXX/XXXX/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024 XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report that are not my items are listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've have Experian XXXX XXXX both in the XXXX since XXXX after XXXX to the XXXX in XXXX and XXXX Experian XXXX XXXX. I've traveled back and forth for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX and returned to the XXXX on XX/XX/XXXX when I discovered someone had been impersonating me/identity theft. I filed and notified all three credit bureaus, XXXX FTC and the companies that appeared on my credit report. I sent a XXXX page package to all 3 credit bureaus and began to back track in hopes of figuring out what had happen and how it was possible. I over XXXX Experian Alerts relating to my information being on the dark web, including XXXX XXXX, my phone number, email addresses and addresses, and Experian XXXX factor of LOW. I rented a holiday home in XXXX, XXXX  with no intentions of changing my XXXX address yet they changed it without my permission or checking with me first. I filed my identity theft claim/dispute via phone and the Experian portal on the XXXX of XX/XX/XXXX, uploaded my documentation and sent hard copies via USPS XXXX XXXX. On the XXXX of XX/XX/XXXX I checked my credit file for updates and a account I did not and was not disputing appeared as a dispute. I phoned on the day and to ask why and after being transferred 4 times spoke to someone and asked why. I wasn't given a clear explanation and but it was intimated I initiated it and I was adamant I did not and they should refer to my cover letter with a clear and concise explanation/dispute/identity claim. I have had an extended fraud alert on my account since XXXX after discovering my personal details were sold on the dark web. Experian was aware yet every dark web risk alert on my profile reads LOW. In addition, I found only one alert notifying me my credit file was unlocked and absolutely NONE pertaining to my credit file being unfrozen. The fact Experian found my personal details on the dark web over XXXX times and considered every incident as " Low Risk '' is unacceptable because I have been paying a monthly membership of {$19.00} for over XXXX XXXX  to keep me and my file safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the credit bureau of incorrect spelling of my name to be removed from my credit report. They continually send stall letters. 

I have also sent multiple disputes asking them to remove an address from my credit report that I have NEVER lived at. Again, they either ignore it or send a stall letter. 

I've contacted Experian, XXXX, and XXXX. They are the ones ignoring my disputes.
Product: Credit reporting

XXXX was supposed to pay off my XXXX wireless account. The documents sent by XXXX were uploaded to XXXX website and they were rejected. I did not know they were rejected right away. I had called XXXX and been working with them and XXXX wireless to get the corrected information to XXXX. IN the mean time this account went to default and the account is not paid. XXXX was supposed to pay off XXXX. I have emails to XXXX CEO 's with the documents if needed.