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

5inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX A victim of fraud I have filed three police report within the last four years. Please remove this inquires.
Product: Debt collection

Comenity Bank/Lane Bryant has violated all of my consumer credit rights. Attached, are the documents I sent them, notarized affidavit of truth proving the facts, and my certified mail receipt copies. They have XXXX  days to send me my remedy. On XX/XX/XXXX I sent them a Cease and Desist, Invoice for XXXX violations, Affidavit of Truth, and Exhibits. Comenity Bank/Lane Bryant is in violation of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Mortgage

New Rez LLC dba Shellpoint Mortgage was sent a wire on XX/XX/XXXX they have yet to use the wired funds to pay off my mortgage. They have had a collection agency calling me non-stop threatening me that they are going to foreclose. The title company we used has a wire confirmation where the funds were sent twice. 

Shellpoint returned the first wire to the title company with no explanation. the title company resent the wire a second time and Shellpoint has been holding the wire, this has caused me to be in default with them and it is their fault the loan hasn't been paid off. 

I have called numerous times and no one will assist me in getting this resolved. One of the people i spoke to assured me it would be resolved on XX/XX/XXXX, her name is XXXX XXXX, i never heard back from her and every time I call them i get a different person answering the phone and they are extremely rude and of no help whatsoever. 

I was told on XX/XX/XXXX that it would be resolved by XX/XX/XXXX and as of XX/XX/XXXX it still has not been resolved. They have been holding money from the title company for well over a month and will not pay off my mortgage. 

I am very concerned that this will affect my credit scores ( my wife 's as well ) and with the collection company now calling me i am very worried about this situation. 

This company does not want to answer questions, they say they have no records of all the numerous phone calls i have made. I can never talk to the same person when i call in and they are very rude to talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute and Transition did not take the proper steps to investigate and instead sent a stall letter stating that it did not appear that I properly authorized third party sent to them despite being provided with accurate information from myself only.
Product: Credit card or prepaid card

I made a payment of {$3800.00} to my Chase Business Ink card from a XXXX account. After calling more than 25 times on XX/XX/2022, Chase informed me that I can not have access to my credit line because they have to hold my payment for " float pay ''. When I asked why, I was told the money had to be held because it was a new account. I was also informed it would be posted to the account by XX/XX/2022. 

I still have not received credit to my account. Additionally, when I checked my XXXX account, I see where the payment was returned, despite having sufficient funds to cover the payment. See attached screenshot. I believe Chase purposely returned my payment due to the fact that I have been repeatedly trying to resolve this issue. I received a case number from a member on the executive team ( XXXX ), and yet no one has called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.
Product: Debt collection

This is a debt collector I have no knowledge of who continuously contacts me and now they have signed me up for text alerts without my consent. This is a copy of the text sent just today, Welcome! You'll XXXX XXXX XXXX from Nationwide Credit & Collection Inc. XXXX & XXXX.? 's call XXXX XXXX XXXX XXXX XXXX XXXX  To optout reply STOP
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX and XXXX data breaches, and after reviewing my credit report, I discovered discrepancies related to my account with Regions Bank. I have already submitted a Federal Trade Commission ( FTC ) report regarding identity theft and fraudulent activity. Despite my efforts, I have not received satisfactory documentation from Regions Bank to validate the debt or confirm its accuracy.
Product: Credit reporting or other personal consumer reports

Background for job. First Advantage told employer I did not work at XXXX XXXX XXXX and did NOT do an accurate and thorough investigation. 

Enclosed is my contract for XXXX XXXX XXXX and First Advantage report saying I didnt work there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to get the account updated on my credit report and the credit bureaus will not update it with the correct information. This account is paid in full. I keep sending in letters getting current letters from the bank and it still gets updated as delinquent.
Product: Money transfer, virtual currency, or money service

I have had an account with Robinhood for several years. I put in a trade to sell a couple of my stocks. Then the next day {$3900.00} was transfered to my bank account and my account was permanently closed leaving a balance of {$4100.00} in my account. I have been able to get resolution to my problem. I just want to retrieve ALL of my funds. I did not want to close this account and i dont know why they closed it. HOwever it is closed and there is a balance of {$4100.00} left in my account that belongs to me and i have asked several times for this to be transferred to my bank account listed in the Robinhood system. I can not get support to understand that the instructions they are providing do no exist in my APP. i need to speak to a live person and not email or virtual chat. this has been going on for 2 months now and i need my money
Product: Student loan

Nelnet is charging a higher interest rate than my actual interest rate. They refuse to explain why or correct it. I have called and emailed a few times and turned them into you last year but nothing has happened. 

Second time I am reporting Nelnet to you for the same issue. Last time you closed out the complaint with the hope Nelnet would resolve the issue but they did not. 

They still haven't resolved the problem of charging me higher interest then my fixed rate federal student loans were taken out at. For instance, several loans were at 6.5 % when originated. This is reflected in the first section of the attachment copied from Nelnet. However, go to the second section reflecting the same loans groups that should be 6.5 % are being charged 6.8 % interest. Nelnet refuses to correct this. I have given them a year to explain/correct this. Also, it seems wrong that my payment is {$440.00} but only {$28.00} goes towards principle. I haven't done the math but that doesn't seem right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry from Target Friday XX/XX/2022, on my locked credit report that reduced my credit score by XXXX points. I did not absolutely not attempted to apply for any Target Credit AT ALL. I am currently out the country in the XXXX XXXX on vacation and have no need to apply for any credit while I am vacationing. Please have Target to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

After resolving an issue with XXXX involving the abuse of a POA, XXXX and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving XXXX was partially responsible for the vehicle being unlawfully possessed, XXXX instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from deploying or progressing due to the account still negatively impacting my security clearance.
Product: Consumer Loan

I leased a 2014 XXXX XXXX and have had continuous transmission issues. ( This is well publicized in " car '' literature. ) Over the past year and a half, I have had the car to the dealer XXXX times, and XXXX updates have been performed. The service manager confirms the bucking that the transmission does when accelerating from a near stop. The motion is akin to being held by a rubber band and then let go. At present, the XXXX XXXX team and dealership are contemplating what to do next. There are no more software updates available, and they have been largely unsuccessful in remedying the transmission bucking. *The drop down box below requires the selection of a description of the issue, however, none apply, and thus XXXX was selected randomly. *
Product: Checking or savings account

I spoke to Wells Fargo several times trying to resolve the issues with my account and they gave me a new account number and new card I wasn't able to use because my account was still negative they took my money and put me in the negative due to one of there employees linking my account to there's and the proof is on my XXXX XXXX account that it was indeed a Wells Fargo employee
Product: Debt collection

Delete evictions 15 USC 1637 ( 2 ) 9a ) 15 USC 1681- 15 USC 1681e ( b ) 15 USC 1681s-29 Collections : 15 USC 1692c 15 USC 1681e ( b ) 15 USC 1692g.

Charge offs : 15 USC 1635. 15 USC 1692a Late payment:15 USC 1681 ( 2xi ) 15 USC 1666b . 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In Collections XX/XX/XXXX {$1000.00} {$1000.00} Please let me know exactly which items you want to dispute, and the reason for each item.
Product: Debt collection

Convergent continually calls me about a XXXX debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has violated my federally protected rights under the FCRA. ChexSysyems infringed upon my rights to privacy violating 15 USC 1681. ChexSystems did not have permissible purpose to furnish my non public information violating 15 USC 1681b. Chexsystems also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy as required by Congress. Due to your inaccurate and illegal reporting, I was denied for credit for information you infringed upon that is non public information. ChexSystems employees/agents is using my consumer report with Extortionate means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are now on Notice to Cease Communication from me from all mediums including my consumer report. Failure to Comply will result in legal Matters in Federal Court with a jury trial for all damages sustained.
Product: Credit reporting or other personal consumer reports

Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Termination : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XX/XX/2022 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 XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

On XXXX XXXX XXXX  my phone was stolen when I was out and the person who stole my phone used my credit card that was in my apple pay wallet. The person had all access to my personal information and was able to pose as me by changing my email and passwords. As a result, the person was able to bypass security measures and act as myself. He committed fraudulent charges with my XXXX XXXX credit card in approximately {$2000.00} and my Discover credit card in approximately {$6000.00}. I have tried to dispute with the bank on several occasions and they have said because the security measures cleared, I am responsible for the charges. I did not make these transactions, and it is unjust that I have to pay for charges not made by me.
Product: Checking or savings account

Follow up to a complaint you closed. Chase has not given my money back in accordance with their own agreements. They said in accordance with " XXXX '' they had no right to hold funds in savings account. See XXXX XXXX XXXX Chase consistently holds funds. Their attitude is if you put money in, it is up to them if they want to give it back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX ' banks investigated and several days later returned the money, but their accounts were nearly drained during that time. 

XXXX said his bank, Chase, did not send a refund, but when the I-Team got involved Chase said : " We reviewed XXXX XXXX 's XXXX and made sure his funds were returned.
Product: Debt collection

I just received an email ( see below ) for a debt I do not have. I do not have any outstanding bills with this company. I've had companies try to fraudulently get money from me in the past and this is the latest example of this scam. I want to report them and go after them for fraud if possible. 

CONTENTS OF EMAIL : XXXX XXXX <XXXX> Thu, XX/XX/2020 at XXXX XXXX To : " XXXX '' <XXXX> CASE NO : XXXX CURRENT BALANCE : {$920.00} Today Settlement amount {$480.00} CONTACT AT : mailto :  XXXX After receiving this email we will issue a legal warrant on your name within the next couple of hours so before you do anything read this email very carefully and respond back early as possible. You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 
The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception Basicall y all the payday loan companies and payday loan store in the state of PA working under my client which is Speedy cash Inc?
When the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFTs were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor has simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.

Now

the affidavit is taken by FDCPA law that means the Fair Debt Collection Practices Act under Section 9 Chapter 19. Now this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case. 2. ) If you have any prior convictions including
but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is a zero-tolerance state.

Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$980.00} If you are willing to settle it out of the court you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment plans available as the issue at hand is extremely time-sensitive. 

So kindly respond to this email on mailto : XXXX to resolve this matter. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX TX.
Product: Debt collection

I submitted a complaint to XXXX XXXX XXXX a few months ago regarding an outstanding debt. They understand I want to resolve the debt, however I would also like to remove the derogatory mark that is left by them on my credit report. I was extremely young when I was given a credit card. I did not understand how to manage my own expenses. Let alone a credit card. I want to work with midland to resolve this so I can finally start to establish credit. I now realize how important credit is to have. I now know that I must use credit to earn credit and I am stuck. 

I started out bad, because of this I am now doing bad. But I want to change that. Can you please help? I am willing to start paying this off to resolve this. I want it removed completely if possible. I want a new start. I want a good life. Not a life where I am being harassed every single hour to pay back. 

Thank you! 

Best, XXXX XXXX
Product: Checking or savings account

Bank frequently double charges my account. Cost of a XXXX  was held by bank and not available to me from the day of pick up. Today they charged the amount again and sent my account into negative
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to close on a home and Equifax is giving out errors. I've tried to resolve this issue with Equifax with no sucess whatsoever. Apparently Equifax can't locate my account/profile. They've instructed me to send copies of my Social security Card, driver 's license, and a cover letter. However they keep telling me that they haven't received my fax or mail. Fortunately, I have confirmation of the successful fax and mail delivery. This is unacceptable!