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

The lady named XXXX who works the phones needs to be fired. The way she handled my call made her company look bad. Everything on my report needs to be disputed. She simply could not and would not help resolve the situation. All names and address need to be disputed on the report I provided. All phone numbers and accounts need to be removed.
Product: Mortgage

Wells fargo sent an employee XXXX XXXX to my house to offer a " free '' home equity loan. I told he I did not need a loan and she said it was " free. '' I said no and she returned with the local branch manager to convince me that " free '' couldn't hurt.

Several years later after no monthly or annual fees I tried to renegotiate my first mortgage due to falling interest rates and Wells fargo wanted {$500.00} to cancel my " free '' home equity loan. I believe this to e bait and switch and false advertising on their part. I want my {$500.00} back with interest and penalty
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and found an inquiry from a company I never heard of before. I had no business contact with this company. I have no idea who they are. I didn't give my permission to do an inquiry. This is fraudulent and they may be checking for theft of credit information by XXXX.This has caused a 6 point  drop on my Eqiufax Credit Report Score on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I discovered that Infiniti had reported a 30 day late payment from XX/XX/XXXX on my credit. I called them immediately and was told by a customer service representative that the account would be updated if I disputed the information since there was a discrepancy of a couple of days, my wife had lost her job due to Covid and I had been not only an excellent customer but had been paying extra on my loan up until that point. The update never happened. I contacted the credit bureaus and Infiniti verified the information. 
I called them on XXXX and after spending an hour on the phone with a rep was told that a late payment could never be removed. I requested a supervisor or manager and was told 3 to 5 days for a return call. This is completely unacceptable and poor client services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 

XXXX XXXX XXXX Payment Plan XXXX {$14000.00} XXXX  XXXX XXXX Payment Plan XXXX {$62000.00} XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX {$2800.00} Erc Balance {$940.00} COLLECTIONS XXXX XXXX Balance {$320.00} COLLECTIONS XXXX XXXX XXXX Payment Plan XXXX {$6300.00} Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : FiledReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXX : Chapter XXXX BankruptcyStatus : DismissedReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect information reporting on my consumer report. Attached is my ID, XXXX, a copy of my FTC identity theft report as well as a letter from the bankruptcy court stating that they do not report to the credit bureaus. But I have a pubic record reporting on my consumer report. I have disputed the items listed to no help with these matters.
Product: Credit reporting or other personal consumer reports

I received a report from XXXX credit agency that a hard inquiries was reported on my credit report from Barclay Bank that i did not do
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX and Midland Credit Management for inaccurate and inconsistent reporting of my accounts across multiple credit reporting agencies. Specifically, there are discrepancies between the information reported on my XXXX and XXXX credit reports that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccuracies in Reporting : XXXX XXXX XXXX : XXXX : My credit report shows that this account is listed as an active collection account with a balance of {$620.00}, as of XX/XX/2024. 

XXXX : The same account is reported as closed, with the same balance of {$620.00} as of XX/XX/2024. 

Midland Credit Management : XXXX : This account is reported as an active collection account with a balance of {$430.00}, as of XX/XX/2024. 

XXXX : This account is also reported as closed with the same balance as of XX/XX/2024. 

Violations of the Fair Credit Reporting Act ( FCRA ) : According to the FCRA, specifically under XXXX ( a ) ( XXXX ) ( A ), furnishers of information ( such as XXXX XXXX XXXX and Midland Credit Management ) are required to provide accurate and consistent information to all credit reporting agencies. The discrepancies between my XXXX and XXXX reports indicate a violation of this provision. 

Furthermore, under XXXX ( a ) ( XXXX ) ( A ), as a consumer, I am entitled to dispute any inaccurate information reported to credit reporting agencies. Despite raising disputes, the information remains inconsistent and inaccurate, which negatively impacts my creditworthiness. 

Desired Resolution : I request that the CFPB take immediate action to address these violations and ensure that XXXX XXXX XXXX and Midland Credit Management : Correct the inaccurate information on my credit reports across all credit reporting agencies, specifically XXXX and XXXX Provide me with compensation for the harm caused by these inaccuracies, as allowed under 616 and 617 of the FCRA, which provide for damages in cases of willful or negligent noncompliance. 

Remove the erroneous collection accounts from my credit reports entirely due to the false and misleading information provided.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXXXXXX XXXX XXXX  XXXX XXXX, NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, NY XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX, and certainly not within the last two years. It popped up on my credit out of nowhere with the third-party Jefferson Capital . Ive already disputed it twice because I am positive that I have not had an account with them needs to be deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX  - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector put a different amount than what I owed on my credit report. Credit report said I owed {$5600.00} when I called she said it was a total of {$5400.00}. When I asked her for what it was for she just said XXXX XXXX 's hospital. When I told her the hospital had no record of this money and told her that for a while there was a mix-up with the insurance company and she flat-out called me a liar. When I asked her for the breakdown of the bills she would not give them to me Said she had to wait for the file to get to her desk. I called every single day for a week and the file was never at her desk. Me actually trying to pay this or take care of this bill was like pulling teeth with this collection 's lawyer office. Very rude and unhelpful when I'm actually trying to give someone my money! I had to get a hold of the credit bureau to take care of this. Come to find out I'm not the first person who's had a problem. As a matter of fact many many people have had a problem You could even go on the internet and type their name and not one person has one good thing to say about them. Why are you adding money to my non-existing bill? Oh right my credit report says for personal services.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred .Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted GROW Credit about a fraudulent subscription account on my credit reports. I submitted documents of my identity and a written statement under the FCRA for a fraud block. However, GROW Credit refused to remove the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the Equifax data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Product: Credit reporting

i try to login into my transunion account to access my credit file and check the status of open disputes. every time i try to i get an error message saying that my file ca n't be accessed due to data provided. I have had the same account info for many years and the system shows me logged into my account. When i call in to the csr dept they tell me its nothing they can do. I want someone to tell me if there is an alert on my account that i 'm unaware of or why when i 'm denied credit i 'm unable to obtain a copy of my credit report that is entitled to me by law?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX 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
Product: Checking or savings account

XX/XX/2022 Almost midnight, I received the notification from the BOA app, and it indicated my account is locked. 

XX/XX/2022 I came to the local BOA nearby and asked the associate for assistance and help. But the system can not respond to related questions on weekends. So, the associate decided to make the call on Monday. 

XX/XX/2022 XXXX helped me make a call to clarify the situation happening on my account. But the company responded there is nothing to say. And the associate try to withdraw the money from my bank, but she couldn't. Because it is closed. 

XX/XX/2022 The associate made a call again to the system and ask to withdraw the money. But the status is still under review. No one knows what's going on. 

XX/XX/2022 I came to the same branch of the bank again and wanted to make sure I can withdraw the money. The associate still worked on and the XXXX try to make a call to the upper supervisor to solve the problem. I still don't have the answer. I can prove any transaction that is clear and be done by myself. If I can not withdraw the money, I can not pay the rent and tuition, even the food. 

XX/XX/2022 I went to the same branch again and asked the XXXX for help. The XXXX XXXX called the services again and try to get approval which withdraws money immediately. However, the request is denied. 
In this situation, they can not give me the chance to withdraw money and the time frame. I just want to withdraw my money. I am a student and need to pay rent and tuition.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Credit reporting or other personal consumer reports

Urgent Request for Removal of Public Record Due to Insufficient Verification I am writing to formally request the urgent removal of a public record from my credit report that I believe was improperly verified and reported as a result of insufficient investigation by the credit bureaus. The inclusion of this public record, specifically related to bankruptcy information, is negatively impacting my creditworthiness and financial opportunities. 

On XX/XX/XXXX, I sent certified letters to each credit bureau requesting the following critical information regarding their verification process for bankruptcy data before it is included in consumer reports : XXXX. Sources Used for Verification : I requested that the credit bureaus specify the sources they utilize to verify bankruptcy information, including any databases or public records consulted prior to reporting. 

XXXX. Identity Confirmation : I inquired about the methods employed to confirm the identity of the individual associated with the bankruptcy record. 

XXXX. Verification of Social Security Number : I specifically asked whether the social security number ( SSN ) tied to the bankruptcy was verified. If the SSN was not verified, I requested an explanation of how the credit bureau ensured the accuracy of the bankruptcy information without this essential verifier.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy and integrity of the information they report. Section 607 ( b ) of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report containing inaccurate information. Furthermore, Section 611 gives consumers the right to dispute inaccurate or incomplete information, obligating the agency to conduct a reasonable investigation of such disputes.

The lack of thorough verification and the absence of the requested documentation raise significant concerns about the accuracy of the public record in question. Given that I did not receive satisfactory responses to my inquiries, it is evident that the reporting agency failed to meet the standards of due diligence required by the FCRA.

For these reasons, I respectfully request that the CFPB investigate this matter thoroughly and facilitate the immediate removal of this public record from my credit report. The presence of this record, based on insufficient verification, is unjust and detrimental to my financial health. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response and resolution.
Product: Student loan

In XXXX 2016, I was approved for the Fedloan Servicing REPAYE repayment plan. I was advised that I would need to make a one time {$5.00} payment the next month and then my new payment plan would start. In XXXX, the correct payment did not get applied to my account, therefore I had to request a forbearance ( I can not afford the current payment of ~ {$1100.00}. In XXXX, the payment due amount again did not get correctly applied to my account ; therefore, I had to request an additional forbearance for that month. In XXXX, I was finally able to make the {$5.00} payment ( on XXXX/XXXX/16 ) and was told my new payment would start in XXXX 2016. Again, the correct payment amount was not triggered on my account -- again, I had to request a forbearance. Then again, in XXXX the same issue occurred, so currently, my loan is in forbearance. I have been promised multiple times by different people that the correct payment will trigger. Unfortunately, to date, this continues to be an issue. 

I am currently in a Public Loan Forgiveness Program -- due to the inadequacies of FedLoan Servicing in getting my new payment plan in place, I have not missed out on 5 months of payment credits toward my overall loan forgiveness plan. 
I would appreciate any thoughts or assistance in getting this issue resolved. 

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX sent {$350000.00} wire to BB & T Bank in XXXX for recipient account, XXXX XXXX XXXX Fed Reference : XXXX Case ID : XXXX XXXX recalled the wire XXXX follow-up on recall XXXX follow-up on recall for the last month or so, different people at BB & T Bank keep telling my contact in XXXX that they will return the {$350000.00} to my account at XXXX XXXX XXXX, but it just does not happen
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account numbers XXXX and 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 XXXX. states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I don't knw why my credit is bein checked and I diddnt give no go ahead or do I knw of anyting
Product: Credit reporting or other personal consumer reports

I was validating my credit report and I noticed that there are certain errors in late payments that are not mine. These bills were all paid on time. I want the late payments to be validated and deleted from the credit report please and thank you.
Product: Debt collection

I contacted the Collection Agency- Jefferson Capital- on XXXX XXXX 2024XX/XX/year> for more information, but I was given a different phone number for my account XXXX. I called this phone number and asked for a statement of account and I was told my account is on dispute and XXXX will sent me the information I need since they do not have it. I gave it a couple of days but still nothing. I called XXXX XXXX again on XX/XX/scrub>XXXX XXXX  2024, for an account summary and I was told I should receive the documents I requested by Friday XXXX XXXX 2024. On XX/XX/XXXX I still did not receive anything and I called XXXX XXXX again. The representative was able to locate my account and told me it is in dispute. I agreed and ask when will I receive the documents. The representative said in a week or two and he can not provide a time frame and just wait. I notified the representative that I have been waiting and I want to see the documents. I was asked by the representative if I want him to put in another dispute. I notified the representative that my account has been put on dispute two times already and nothing came out of it. I just want to see if this account is accurate but XXXX XXXX is making this difficult.