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

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/. 

XX/XX/XXXX  Certified Mail Tracking number:XXXX XX/XX/XXXX  Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking number:XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX 2.Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3.Account Name : XXXX- XXXX XXXX  Account Number : XXXX 4. Account Name : XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately.

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

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ECSI/KEISER UNIVERSITY ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Checking or savings account

In XXXX of 2022. Pnc Bank closed acct ending in XXXX. There was an existing- {$960.00} balance. To satisfy this obligation I sent a promissory note for the amount. Pnc Bank kept the note and eventually credited the account. So I thought issue was resolved. A few weeks go past and the - {$960.00} was due again. I went to the branch and they said they didn't see the note applied. However note was kept and the account balance went to {$0.00}. So as shown in pics I then sent an additional registered note and it also was kept. However, this time they already illegally closed my account.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This account was opened on the following date : XX/XX/year> and it showing inconsist and inaccurately on all XXXX bureaus. this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Experian failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account Name : XXXX XXXX XXXX Account # XXXX i enclosed a copy of my most recent credit report with proof of the inconsistancies on all XXXX credit bureaus XXXX, XXXX and Experian
Product: Money transfer, virtual currency, or money service

Fraud check was deposited and bank authorization was given to pay these individuals even though I told them it was a fraudulent check. They blame me for the deposit and sending the crooks XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Ocwen Loan servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to XXXX along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.
Product: Debt collection

I spoke with a representative on XX/XX/2019 about this collection on my credit report, and I explain to her this was not my gas bill with XXXX XXXX XXXX XXXX I sent a Certified letter on XX/XX/2019 to First Collection Services asking for Validation and documention proving this was my account. I HAVE NOT RECEIVED ANY RESPONSE FROM FIRST COLLECTION SERVICE. I'm attaching a copy of my ID with my past and correct residents.
Product: Debt collection

I received my first letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX saying that I owed my XXXX account {$58.00} and that I had 30 days to pay this amount. I called my XXXX account and they I spoke to an agent named XXXX and he said I did not have any outstanding bills and that he would check into it. I never heard anything more so I filed the letter away. 
Then on XX/XX/2019 I received another letter this time from a company called SIMM Associates , inc . They said I am responsible for the amount of {$58.00} When I called them to find out what it was about the women on the phone had me verify my name, address, and she wanted me to do my email address next and it did not match! So we could not go any further and she was not any help. I told her it was a mistake and she said she could not help me. So then I decided to do some more investigating on my own. I ended up calling XXXX and found out that some used my name sold something to someone took the money and never gave the person anything! I have never sold anything on XXXX! So How can you help me. I reported this to Identiy theft.gov. 
XXXX XXXX
Product: Credit card

I called Wells Fargos credit card department on Saturday, XX/XX/2024, on or around XXXX XXXX XXXX. I spoke to an agent named XXXX in the XXXX. He provided false and misleading statements saying my Wells Fargo credit card was reported 30 days past due, 60 days past due, and 90 days past due, and that is also how it would reflect on my credit report. 

This is false. The fact is I have never been 30 days past due on my Wells Fargo credit card account. 

XXXX refused to provide his employee ID number and the name of his supervisor. 

I seek to hold XXXX and Wells Fargo accountable for providing false and misleading statements.
Product: Student loan

My student loans are with Navient. I have been trying to apply for the NHSC loan repayment program. Navient will not provide me with proof that I applied prior NHSC funds to the loans. Last spring I requested ( of Navient ) a printout of all payments that I made on my student loan starting in 2010. They did not submit this to me. I missed the deadline, and was not able to submit the application.

This spring, I am trying again to apply for NHSC loan repayment. Again, I put my request in writing to Navient, specifically stating that I need a printout of all payments made on my student loans from 2010 to present. I need this on Navient letterhead, with dates the payments were made, etc. They continue to refuse this. In response, they sent out a notice of how my payments are applied. I am concerned that Navient 's negligence and failure to document my payments will ( once again ) result in me being ineligible to apply for NHSC.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. WERE DISPUTED WITH EQUIFAX MORE THAN 2 MONTHS THEY STILL NOT REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Checking or savings account

I tried to file a fraud claim for fake checks deposited in my account by a scam. The US Bank Risk Department closed my checking and savings account. They said the local branch has to call and they would walk them through the procedure. I went to the XXXX, IL branch and was told by the branch manager I could not file because it was in the fraud department. They kept my last pay check and said I had to pay for the fake checks.
Product: Debt collection

My identity was stolen and i have been trying to work with the Credit bureau and th collection agency but have not been getting any assistance or response
Product: Student loan

Call dates made to lower payments XXXX and so on Payments made XX/XX/2022 after trying to ask for help for months/years for financial reasons and receiving no help at all
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Student loan

I wanted my son to have a good education. The school he picked was expensive, so I took out parent plus loans. 

Then the government started a new program called XXXX. I tried to sign up for it. I was told my loans don't qualify because they are parent plus. But I was also by student aid.gov and nelnet told that if I consolidated those loans, I could apply. So I did. 

And was immediately told I could not apply for XXXX because my loans USED to be parent plus. 

I feel I was lied to about the situation, and it would have been easier for me to pay my loans if they were separate, but I consolidated for a shot at forgiveness. 

I have moved since taking out the loans, remarried. I have a severely XXXX stepson I care for, but all of the different forgiveness programs are barred to me. I am in worse shape now than when this started, and it's all because of misleading information ( never mind how predatory parent plus turned out to be after I took the loans ). 

Now my monthly payment don't quite cover the interest, so the balance is slowly growing instead of reducing. 

This is a massive case of " if I had only known ... ''
Product: Credit reporting

After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also XXXX had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.
Product: Mortgage

I am very sad at this times, after several month waiting on the underwriter to let us know if we were approval or not. The underwriter became to a point that she very looking for item to denied our loan. We feel she wasted out time, and money. We supply every piece of documents they ask for. We feel due to our race the underwriter, made a major factor and denied our loan. Also XXXX XXXX started this problem we try first them then, XXXX small thing pop up and they denied her first, for not a good reason.
Product: Checking or savings account

I had items put through for payment, even when ny account was in negative. I have 5 overdraft fees at {$35.00} a piece. This is excessive and asinine. Due to the fees, I wont be able to pay rent and will be evicted
Product: Credit reporting

I sent a dispute on XXXX XXXX. On XXXX XXXX I sent a follow up letter asking Equifax to remove the accounts in question that I disputed due to non-compliance which is mandated by the FCRA. On XXXX XXXX I received a letter from Equifax saying the accounts have been updated ( which is still inaccurate ). On XXXX XXXX I sent another letter asking them to please comply with the mandate set forth by the FCRA. Today I have yet to hear back from them. 

I have detailed records of all my letters along with certified postage and return receipts.
Product: Debt collection

On XX/XX/year>, I sent a certified letter with a return receipt to Waypoint Resource Group requesting validation of a debt they claimed I owed. According to the returned receipt, the letter was signed for by someone at the company, but I never received a response to validate the debt. On XX/XX/year>, I sent another certified letter with a return receipt to Waypoint Resource Group, requesting the removal of the debt from the credit bureaus due to their failure to validate it. I gave them 7 days to provide written confirmation of the debt 's removal but have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, and XXXX of XXXX, I submitted documents to Equifax proving that several inquires on my credit report were not authorized or duplicates of authorized inquiries. These documents included an Police report and FTC report. These inquires included XXXX 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
Product: Student loan

On XXXX, I submitted the attached/uploaded 21 page packet to FedLoan Servicing XXXX I sent packets to the XXXX 's noted at the bottom of the letter ( Office of Consumer Advocacy and US Department of Education ). I had requested information from FedLoan Servicing regarding the omission of my service/employment with XXXX XXXX XXXX not only in the letter dated XXXX, but in numerous emails and phone calls dating back two months prior. I have received no response, explanation or resolution. I am submitting this 21 page packet again as part of a complaint, along with payment history. I feel that with the consideration of my employment with XXXX XXXX XXXX, I met the eligibility criteria for loan forgiveness as of XX/XX/2017 and am eligible for a refund of the payments that I have made since that time. Please advise on how I may be able to have this error corrected. 

I have submitted this complaint to Federal Student Aid on two occasions. Each time, the case is closed with no further explanation. I have contacted the Ombudsman and received no feedback there.
Product: Checking or savings account

On XX/XX/2023 I mobile deposited a paycheck to a new Capital One Bank account. I then called customer service to inquire about a hold the online system placed. I spoke to an individual who eventually called the issuing bank and verified the check was valid and the funds were available. I was told at that time that the hold would release the same day and the funds would become available. I waited until XX/XX/2023 and the funds were not available. I once again called Capital One Bank and was eventually transferred to a manager. The manager informed me the department that could release the hold was not in the office and i would need to call on XX/XX/2023 to speak to someone in that department. I asked the manager at that time if the department would be open on a holiday and was told yes they would. I called the direct number on XX/XX/2023 and the recording stated they were not open. I immediately called the customer service department and eventually spoke to a manager who repeatedly refused to provide any assistance and eventually hung up the call.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX and SYNCB/PPC has been giving me some issues that I have been dealing with for months to no avail. I am reaching out to the CFPB with help on this matter in terms of this late payment which is severely hurting my credit as I have been a customer with them for some time now and am confused as to why they want to continue furnishing bad information on my credit and keep hurting me. Please see the attached documentation below.
Product: Credit card or prepaid card

I used my credit to make a one time purchase with XXXX XXXX XXXX, this amount was authorized and subsequently paid. Three more unauthorized charges was made on the account and two were taken off of the invoice, the third charge was not removed from my account balance. After the first charge of {$120.00}. was initiated I called Chase bank on XX/XX/XXXX to have the charge removed advised them to stop ALL payments the XXXX XXXX XXXX since they were not authorized charges, those three charges were disputed. On checking my account balance and noticed that the charge was still on the statement I called Chase on XX/XX/XXXX @ XXXX and again on XX/XX/XXXX. I spoke with XXXX  who told me that the charge is in dispute and that I should pay the balance of {$69.00}. The original balance was {$180.00} less that disputed amount of {$120.00}. I paid the {$36.00} and the next month the said charge of {$120.00}. still reflected on my statement plus interest charges. I made several calls to Chase customer service and was transferred to the dispute dept. On XX/XX/XXXX I spoke with XXXX who transferred me to XXXX who hung up om me, then XXXX and the XXXX. I could not get any help from anyone and so I asked for a supervisor and that is when XXXX told me that there is nothing he can do for me. I told him that the amount of {$120.00} appeared on my XX/XX/XXXX and I disputed it then and now. I was given no help with this by Chase. I would like this amount returned to me with the interest I paid.
Product: Money transfer, virtual currency, or money service

Paypal charged me almost 5 % for a domestic transfer in the US. I sold an item to a buyer in Florida and they are telling me that its being considered an international sale because of his account type. 

However, XXXX XXXX XXXX this link provided does not mention anywhere about account type. It only mentions that if the sale occurs within the US, which it did. 

Unfortunately, this is my third complaint this year against paypal. They have been misleading customers like myself with hidden charges. Im hoping the CFPB will step in to protect other consumers from their tactics. 

My other complaint which was closed was that they kept making unauthorized transactions towards my bank account. They falsely claimed to the CFPB that I was given monetary compensation before I submitted my complaint. This is not true. They compensated me only after writing a complaint.
Product: Debt collection

I have disputed this account for almost XXXX year it was connected to and address I never lived at so its fraudulent them removed the address from my account but not this collection with Jefferson Capital System LLC / XXXX