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

BOUNCE AI claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is reporting XX/XX/year>, XXXX is reporting XX/XX/year> and XXXX is reporting XX/XX/year>. The date should reflect the date a last payment was made and should be accurate across each bureau as there is only one furnisher They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as BOUNCE AI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX Wells Fargo reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore Wells Fargo should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, Wells Fargo has violated the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I maintain my checking account at Chase Bank in New York. On XX/XX/2022 I mailed a check from my account to XXXX XXXX XXXX XXXX for {$2300.00}. That check was intercepted in the mail and never received by the intended recipient. I discovered the issue in XX/XX/2022 when I saw that the check wasn't deposited against the balance I owed. I then checked my account online and observed that the check was endorsed by a person named " XXXX XXXX '' and remote deposited in an account at XXXX Bank in Delaware. I immediately informed my Bank, Chase, and filed a local police report here in XXXX XXXX, New York. I completed a form for Chase called a " Declaration of Unauthorized Endorsement or Altered Item '' report and I was assigned a claim reference number ( XXXX XXXX ). I was then informed by Chase that they needed to submit a claim with XXXX XXXX  and that XXXX XXXX  would investigate and then pay the funds back to Chase which would then credit my account. I provided a copy of the check that has the account number of the account the funds were remoted deposited in. Over the last 6 months I continuously communicated with Chase regarding the status of my claim and was told each time that they were awaiting a response from XXXX XXXX. Finally, this week I was told by Chase that XXXX XXXX  denied the claim without any explanation. I also called the XXXX  Police Department since XXXX XXXX  is headquartered there and they told me it wasn't in their jurisdiction but that they have received numerous similar calls. I also saw online that XXXX XXXX  acknowledged that they had a major issue with fraudulent accounts and for a period of time they suspended issuing new accounts. Chase advised me they have no responsibility to me and that it was XXXX XXXX  's issue. This leaves me with no recourse since XXXX XXXX  inexplicably and without justification is denying the claim. This situation is egregious. Either Chase or XXXX XXXX  needs to accept responsibility and reimburse me. I am not providing account numbers in this complaint for security purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXEquifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX has disabled it's website and/or my account discriminating against me as a consumer from disputing inaccuracies, incorrect, fraudulent data with them directly. XXXX in conjunction with the following credit data furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has and continue to violate several Fair Credit Reporting Act laws. As a consumer I would like to exercise my right to the applicable following laws : 15 USC 6801 Protection of nonpublic personal information, 15 USC 1681a.2 Exclusions 15 USC 6802.a, b, c Notice Requirements
Product: Student loan

My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX. After a period of time, my student loan was placed in Administrative Forbearance. When I called about the forbearance I was never given any information other than it was categorized under a bankruptcy code. As of XXXX, the {$15000.00} loan has accrued {$21000.00} in interest. I just found out 3 days ago that my private loan was part of a class action lawsuit that I never knew about. After calling several times asking for details regarding this class action lawsuit the representative couldn't provide a case #. Not only has the communication been poor from Navient on my account, but it has been mismanaged. This is the worse company I've ever had to deal with. There's no relief for consumers that had private loans facing financial hardships. All this has done is put me in further debt because of bad communication.
Product: Student loan

I just graduated from XXXX XXXX. Navient, as I was told when I first had XXXX XXXX services, I had six months forbearance. I even had gotten an email stating that I was " In School '' then the next stage was " Grace '' which generally meant I had to start generating profit as a member of society and get ready to pay back my debt. I have not yet walked acrossed the stage and they have sent me dozens of emails, " ca n't make payment??? Forbearance!!! '' " Ca n't make a payment? Call us we can help!! '' What happen to my grace? I sent a screen shot of the email they had originally sent me XXXX of 2017, and they asked if I was having issues making a payment.. there is no way I can give a cent to something that makes literally no sense! Please help.
Product: Debt collection

The company portfolio recovery calls my cell phone multiple times a day. They send letters to my house. I stop answering the cell phone because there was a lady that said she was a lawyer, she was so rude and she called everybody that had my last name and who were married into my family. I was very embarrassed and didnt know what to do. Ive been going through this since 2015.
Product: Debt or credit management

I was dropped as a client without early notice and did not refund my money for not following through with their commitments. When asked for all of the information that is supposedly on the agreement, they said they would email it to me with corressponding page numbers which notate the stipulations. I have yet to receive this communication.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I did not authorize this company to pull my credit. This is a fraudulent inquiry.
Product: Debt collection

I bought a XXXX  auto insurance policy and a few months in I cancelled the policy and bought a policy with someone else but there was no money owed to XXXX, the collection agency doesn't help and this is on my credit report and it is not owed. I have called customer service repeatedly to let them know I paid all of my bills and they still refuse to take this off my credit report and call me everyday please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint about the issue addressed in complaint XXXX, XXXX or XXXX. First Invst SVC pulled my credit without authorization on XX/XX/2018. This was due to XXXX XXXX sending them an application without my consent. I already had preapproved financing from XXXX XXXX. XXXX XXXX was only authorized to complete the XXXX XXXX application. First Invst SVC has not followed the law which under section 604 of the Fair Credit Reporting Act requires them to provide a signed contract to validate the inquiry had permissible purpose. Since First Invst SVC has failed to correct the issue an FTC identity theft report number XXXX was filed listing them and XXXX XXXX as using my information illegally. I demand for the final time before legal action is taken for XXXX XXXX to delete the inquiry they made on my credit report immediately.
Product: Mortgage

In XXXX the property surrounding my primary residence was subdivided and recorded, in XXXX my primary residence was refinanced. This was done so the two parcels that were split off of the original lot could be developed. XXXX XXXX did the original loan in question which was later sold to CMG Mortgage. XXXX XXXX  is no longer in business. 
When processing the title an incorrect / outdated legal description was used such that all three parcels remained encumbered by this new loan -- the legal description of record at the time was not used, which would have been one that would have only encumbered the property address which was being financed. This has been verified by XXXX XXXX XXXX, which was the title company from the original loan. 
I have requested a Partial Release for the two adjacent lots from CMG and they have asked for paperwork which I have received from the original Title company, but they are also asking me to pay {$1000.00} for an appraisal. They provide no direct contact number for me to dispute this and via email take days or weeks to respond and clearly are not familiar with the entirety of the situation as I can not speak to one individual and therfore just get canned responses. 
The original loan was established without a formal appraisal, and the value used was for the property address that I am trying to establish as the sole collateral -- so not only is an appraisal literally only asking for value of what should have been the collateral all along, it is a mistake on the originating lender 's behalf and I should not be forced to pay to rectify it. Furthermore, if a computer analysis was good enough for the original valuation than it should be good enough for this. 
I have now been trying to rectify this for six months and have already sent paperwork once which was not recorded by CMG. Due to their not processing that paperwork, the request expired and they have asked me to start over. In the meantime this is creating great financial hardship as I can not access the adjacent parcels until they are released.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I recently received a copy of my credit report and I noticed some account on my consumer report that should not be on there. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. The reporting of these account is a violation of XXXX XXXX XXXX, and the Fair Credit Reporting Act " XXXX XXXX XXXX a XXXX b '' ( See below ) Exclusions Except as provided in paragraph XXXX, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a XXXX tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Product: Credit reporting or other personal consumer reports

My student loans were apart of the XXXX vs. XXXX XXXX and according to settlement my discharge amount should be removed by XXXX XXXX, 2024. I have tried contacting Nelnet about this. Even filed a consumer report. As of today the account balance is incorrect and is showing on my credit report.
Product: Debt collection

Portfolio recovery has been a pain to deal with they usually dont respond. Ive sent them letter after letter telling them that I do not owe this debt. For XXXX XXXX its not on my credit. I have never signed anything stating that i owe portfolio recovery a dime. They do not have my ss number. They are showing an account as open. As collection and derogatory. They last reported XX/XX/21 and a balance of XXXX they have posted in XX/XX/XXXX as ok meaning its being paid. I have no idea what this debt is about I would like this removed. Asap.
Product: Consumer Loan

I purchased a vehicle on XXXX XXXX 2015. The car was financed through Wells Fargo dealer services. At the time of purchase my credit score was in the low XXXX. I spoke with wellsfargo and was told in 6 mos they would check for score improvement to give lower rate than 16 %. Fast forward to now, my credit score has improved a great deal yet my rate percentage stays the same. I called to refinance the vehicle and Wells Fargo denied me. My score has increased almost XXXX points and that rate of 16 percent is too high for a person that has my income and new credit profile. I want them to honor what they promised me
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 : ** MOHELA/DOFED **Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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: Money transfer, virtual currency, or money service

I transferred {$35000.00} as a loan to a longtime friend ( more than 20 years ) in XXXX Citibank later contacted me by phone to ask me WHY this was sent? I refused saying if they need this information for legal reasons to send me a letter so I can review this with my lawyer. The letter never arrived but in XX/XX/2021 Citibank closed my Citibank Priority Checking account that is used for international transfers They also closed all my credit card accounts claiming I had violated their rules in transacting business I met with my local Citi Bank Manager who could also not understand what I had done wrong and who after discussing with his boss advised me to request them to be more specific They replied with almost the same letter so I sent a Presidential Letter Unbelievably I got the same response with a link to all the Citi rules for transacting business I still can not understand their actions so I am filing a complaint Please understand I have been a Citi customer for over 30 years and have never been late or missed a payment
Product: Checking or savings account

Cashapp has locked my account after I had tries to send money to my uncle one the app it said I would be contacted in 24-48 hours and it is well past that I have yet to hear from from them regarding the issue I have tried calling their support number no one answered I have reached out though the app I get a response but no information is given they refuse to answer any questions and provide no information and said for me to contact law enforcement they have cause a lot of stress and made me unable to handle personal and work related tasks that I couldn't afford lag on and now I'm it danger of loosing my job because of it I want my fund withdraw and the account closed I no longer want to have anything to do with them they showed no concern for me as a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. My personal information was gathered by Equifax when my credit was pulled in order to open a bank account earlier in the year. With the breach of information that has occurred, I and numerous others received no direct information about the breach from Equifax, but instead I had to hear about it through the morning news. To think that Equifax has known about the breach for over a month and people are just now discovering the impact of this is appalling to me.
Equifax is offering a verification page to see if your information has been breached or not. However, this page is a third party site with less than optimal security that is asking you to input 2/3s of your social security number as well as your last name. It appears questionable as well about whether or not the use of this service prevents you from seeking part in class action lawsuits further down the line. I inputted my information into the system regardless because I was genuinely worried my information had been affected. The site came back with the statement that they did not believe my information had been impacted at this time. However, upon further reading from other 's testimonies, it appears that there is evidence that this statement on the site could possibly be randomly generated, as some individuals have stated that they received different statements different times they 've entered their information and will also receive information stating that their identity has been stolen even when they input bogus information. So I ca n't even state with any certainty whether or not my information was affected. All the while the site keeps pushing for use of their free credit monitoring system, which will expire after one year, after which you have to pay for the uses, in effect paying protection money to the company that violated that information in the first place.
In all honesty, while the third party site may have stated that my information was not affected, I have no way of knowing besides this statement, made by the company that allowed this breach to occur on their watch. I truthfully question how comfortable I can be with their assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received a letter from Lexis nexus would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK XXXX XXXX FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.
Product: Mortgage

I filed for a modification they set me paper saying I was missing a few papers! They said papers were due by XX/XX/XXXX. I set them on XX/XX/XXXX I find out late on the XXXX they are selling my house from underneath me on the XXXX! No notifications no nothing of a sale date! How can they send papers with the XXXX date on it and the sell my house on the XXXX! This is not right!
Product: Credit reporting or other personal consumer reports

" Equifax often deems the account as 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. 2025-CFPB-0002 ) 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. ''
Product: Credit card or prepaid card

I had an active credit card with Navy Federal, and this time Navy Federal refuses to return {$120.00}, back to an external account from which an, authorized monthly payment was made by a third-party associate. 

Navy Federal rejected that payment on an unfounded basis that the payment stemmed from fraud and closed the credit card on that basis. 

Navy Federals actions to close my credit card resulted in adverse, irreversible actions to my credit report. 

Lastly, Navy Federals actions are blatant, and evidence of this lies in the fact that they have refused to respond and ignore my written inquiry.