23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage was sold to Mr. Cooper several years ago. Payments have always been made on time via automatic payments with no prior issue. Bank account that was registered with autopay was hacked and as a result the XX/XX/XXXX payment was auto-reversed and a {$20.00} XXXX  was charged. Payment was resubmitted successfully and auto-payment information was changed to new bank account number. Requested fee reversal due to circumstances and was told by customer service agent that by policy fees can not be reversed. Requested escalation / callback and was told this was not an option and could not speak to anyone else regarding the issue. Customer is on a limited retirement income but has never been delinquent. No good will or other options - poor customer service and no choice from customer who they deal with given the mortgage was sold was XXXX XXXX  where it was originally opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}
Product: Checking or savings account

I contacted the ATM owner after it malfunction on me and kept the {$100.00} I was trying to withdraw. It deducted it from my banking account but did not dispense the cash. The ATM company would not give me the money it withdrew from my account. They gave me the run around and sent me to my bank, even though it is there machine, and their mistake! I needed the cash when I initiated the transaction. Now not only am I having to do all the recovery work, I'm incurring many inconveniencies due to their machine 's malfunction. I can NOT wait 10 business days for satisfaction!!!
Product: Credit reporting or other personal consumer reports

I'm writing to impart my nervousness with respect to the challenged records on my credit report. On various events, I have raised the issue of missteps in these records, and have dependably referenced that they be completely investigated. Despite my undertakings, I by and by apparently can't get any objective or helpful action. These wrong records are genuinely hurting my credit archive and disturbing my ability to continue with a customary life. The unfriendly outcomes of these mix-ups have caused colossal troubles for me, and I'm left with no choice aside from to contend for your assistance with correcting what's going on rapidly. I kindly interest that you direct a thorough assessment concerning the noteworthy of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and address my credit report right away. With your help, I want to restore the accuracy and uprightness of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a fast action. Your coordinated effort and moving in settling this issue expediently would be very significant. Thankful to you early on for your appreciation and help.
Product: Checking or savings account

Im just a normal XXXX  who were looking part time because my bills are getting higher and I have not enough hours in my full time job. So i looked and was hired for a job online. 

XX/XX/XXXX between XXXX to XXXX I received a check from XXXX that check was for the fund for the equipment I need to buy for my new Job. I was hired only as administrative assistant they want me to buy software same with the company, computer, printer, scanner, time tracker and more. The amount I deposited was somwhere around {$4900.00}. When I deposit that check that night in Wells Fargo ATM Machine intersect XXXX  and XXXX XXXX. Out of that amount there was an available amount of somewhere around {$400.00}. It is not pending it is showed as available amount the rest of the check amount was still pending for over {$4500.00}. It was processed over night and was AVAILABLE to use not PENDING on XX/XX/2020 XXXX. 

Since that check is not really for me but the equipment the person who hired me asked me to download app for bitcoin. Purchased bitcoin and send it to someone. 1st day I had purchased {$1900.00} it was under pending transaction on my bank statement. Next the employer asked me to send money through XXXX for the software that i need to purchase for {$500.00} it was send to XXXX XXXX. The next day we did the same thing amounting {$1800.00} for the bitcoin and {$500.00} for the same person. This is on XX/XX/XXXX. That day my employer Mr. XXXX XXXX  told me they are going to send more check because that checked he provided me was nit enough to cover the software payment that i need to purchase. He told me he is going to send me money on the coming monday along with my weekly paycheck. As around XXXX or XXXX XXXX  of XX/XX/XXXX I received a notice that the check that they allowed to put as available on my bank statement was overturned. The wells fargo can not accept it. And they are going to give it back to me. My account was over draft of $ XXXX because of all the transaction I made when i had that fund in my bank. 
I called wells fargo that very moment to report a fraud because the person who hired and give me the check blocked me when i informed him that my bank overturned the check. I asked them to dispute all the transactions ASAP because the charges of {$1900.00}, {$1800.00} and 2 of {$500.00} was still on pending status on my bank statement. 

Later after holidays and weekend the bank closed the case and told me they cant help.me and they cant dispute the charges so Im forced to pay for it even though I dont have anything left and Im not earning much. 

At first I have not think of scam or anything maybe if the check didnt go through in the first place I wouldnt gotten this much trouble. Im no expert about checking the legality of a check but I know whats the difference between pending amount and available amount to use in my bank account.
Product: Debt collection

This collection agency will not accept my principal balance and will only accept payment if I pay their collection fee of {$63.00}. The business in which they are attempting to collect the debt on behalf of insists they should waive the collection fee. Both companies provide different information and neither will accept the principal payment. 
The collection agency of Berlin Wheeler called my parent 's home in which is illegal and had no right to contact anyone besides myself. If this continues I will pursue legal charges. No contact to be made to any other individuals besides myself.
Product: Debt collection

They would call three times a day for a month after I submitted {$100.00} towards the account. XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Account to Be Blocked and DeletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiries:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   RESIDENT VERIFY - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : see attached list To Whom It May Concern, This letter serves as my formal demand to have the charge accounts referenced above removed from my credit report immediately. Your bureau is currently reporting inaccurate and outdated information that is damaging my credit profile, and this is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Facts of the Case : 1. The accounts in question are erroneous and should not be on my credit report. 

2. No 1099-C form has ever been issued in relation to these accounts, which are required when a creditor cancels a debt of {$600.00} or more. The absence of such documentation strongly suggests the debt has not been legally canceled, yet your bureau continues to report this as a delinquent account. 

XXXX. According to FCRA, you are obligated to report only accurate and verifiable information. These accounts do not meet that standard, and thus, its continued presence on my report is illegal. 

I demand that you provide written verification of this debt within 30 days as mandated by 15 U.S. Code 1681i, and remove the account immediately if you can not do so. If this account is not removed promptly, I will have no choice but to escalate this matter further, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action against your bureau for continued violations of FCRA. 

Legal Violations : FCRA 611 ( 15 U.S.C. 1681i ) You are required to promptly investigate and remove inaccurate information from my report. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are required to report accurate information. As no 1099 has been issued, the accuracy of this reporting is highly questionable. 

Failure to comply with these legal requirements will leave me no choice but to pursue all available legal remedies, including statutory damages for each violation of FCRA, which can result in up to {$1000.00} per infraction. 

I expect to receive confirmation of the accounts removal within 30 days of receipt of this letter. If this demand is not satisfied within the allotted time, further action will be taken. 

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

PayPal transaction # XXXX I tried transferring {$600.00} to XXXX XXXX via paypal. XXXX is not a XXXXXXXX XXXX 
Because he does not have a social security number he is unable to access the money. 
And PayPal seems to refuse to refund it to me so I can find another way of getting the money to XXXX
Product: Debt collection

XXXX XXXX XXXX  This company has no legitimate debt case against me, but harassed me and the collector when hearing the party claiming outstanding debt owned me money. They hung up the phone. She threatened my credit before hanging up so I must now call all authorities to report this action and stop them. This company must deleted my info because I dont feel safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was dismayed and disturbed today XX/XX/2021 after I reviewed a copy of my consumer credit report from the Consumer Credit Reporting Agencies : XXXX EQUIFAX, and XXXX. Pursuant to US Code 1681a ( q ) ( 3 ) the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I am a victim of Identity Theft! Pursuant to 15 US Code 1681c-2 ( a ) " ... a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have filed an Identity theft report, and provided the Agencies with my identification. I also will like for them to remove and block 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 PLEASE BLOCK AND REMOVE THE ABOVE ACCOUNTS FROM MY REPORT. THANK YOU I have attached affidavit of truth and invoice. I would like like to be compensated for the violation of these laws Pursuant to US Code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : CAPITAL ONE XXXX
Product: Debt collection

My account is over 7 years old and should have fallen off by now but the lender sold my account to another lender to start over.
Product: Vehicle loan or lease

I have contacted Navy Federal Union multiple times in regards to my vehicle title. I still have not received it. To the point where I reached out to the state of Arizona to request a duplicate title which I have not received. It has been over two months ; I reached out to Navy Federal credit union once more to request another duplicate but requested it be sent to The navy federal credit union branch here in XXXX, NC where I am currently an XXXX XXXX XXXX  XXXX  of the XXXX XXXX XXXX. The representative told me that if I were to receive the duplicate I requested a month ago that it would be void which I stated I would take complete responsibility for and still wanted the title be sent to the branch. She initially said it was possible and then said it was not. I told multiple representatives that this is putting me in financial hardship and I felt as though as a consumer I was just being used to use their financial institution so Navy Federal Credit Union could profit from me then discarded me immediately when my loan was paid off. If this issue ever gets resolved, I will be changing financial institutions immediately. I as a female service member, refuse to be XXXX by a financial institution. Yes, XXXX. Thats how I feel. I feel like I have been abused and used.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, CXXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SANTANDER, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as established under the Fair Credit Reporting Act ( FCRA ), including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant provisions of Missouri law related to identity theft and fraudulent credit reporting.

It has come to my attention that SANTANDER has engaged in unauthorized reporting to my credit file without my explicit consent. Federal law, specifically under the FCRA, mandates that such reporting requires consumer consent, as outlined in Section 1681b ( a ) ( 2 ). The FCRA 's protections are designed to safeguard consumers from wrongful reporting that can harm their credit reputation.

In addition to federal provisions, Missouris identity theft and fraud laws, including Mo. Rev. Stat. Section 570.223, protect residents from the unauthorized use of personal identifying information. The statute clearly defines identity theft and stipulates penalties for those who use, possess, or transfer personal identifying information with the intent to defraud. Unauthorized credit reporting, without my express permission, constitutes a serious violation under both federal and state law, including Missouris protections against identity theft and fraud.

I affirm, with absolute certainty, that I have not granted consent to SANTANDER to report any information to my credit report. This failure to obtain my authorization is a blatant violation of my legal rights, potentially harming my credit standing and violating the FCRA as well as Missouri state law.

I hereby demand that SANTANDER immediately cease all further reporting to my credit report without my explicit consent, as mandated under FCRA Section 1681b ( a ) ( 2 ), and that they comply with Missouris statutes on identity fraud and unauthorized use of personal information. Should this matter not be resolved within 30 days, it will be considered a willful violation of federal and state laws, subjecting SANTANDER to penalties for noncompliance.

This demand is not a matter for negotiation but a requirement for adherence to federal and state regulations that protect consumers like myself from unauthorized and damaging credit reporting.

I expect immediate action and full resolution of these violations. Failure to comply will leave me no choice but to pursue legal remedies as allowed under both federal and Missouri state law.

Done in good faith.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX XXXXXXXX took money from my now-closed checking account for XXXX XXXX XXXX The money {$6800.00} was taken from my account, but did not pay the bill. In XXXX, the bank returned the money to me on debit card which I misunderstood as did a bank representative who told me, " you don't owe us any money, destroy the card ... '' So, I destroyed the card with the money on it. 
Now, the bank pretends that particular card was one I used and did not make monthly payments on ... and have put damaging reports on my credit. And, they were dunning me for charges I did not make on a card with the same number as the one with the credit balance on it until I called the supposed payees : XXXX, XXXX and XXXX... XXXX responded with a message that I'm not their customer, XXXX had nothing for the amount shown for 40 years and XXXX XXXX maybe XXXX XXXX at XXXX called to say he searched for hours and I've never charged their service with payments using XXXX  XXXX XXXX anything and he'd be happy to tell anyone who asks, but no one contacted him. I consider the bank 's damaging response fraudulent, XXXX  and they now owe me the {$6800.00} plus XXXX years of interest. The bank also extorted {$560.00} from me claiming I owed them {$350.00} plus interest on an account that had been closed for years. 
Now, the excuse is that I didn't show my driver 's license when I closed the accounts. In fact, I've sent certified mail more than once to their area president. This bank is like XXXX. All accounts were closed with them in XXXX. The bank also sent a statement that a check number XXXX was sent, but no check, just the statement pretending one was sent. The bank, of course, is unable to produce a cancelled check. My bank is XXXX.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing and 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: Student loan

I have tried to work with Navient to reduce my payments so they are affordable with my Federal Loan payments. Currently I am paying {$600.00} combined for these loans and no one is willing to assist me with making this payment affordable. I recently had to file for bankruptcy due to my high student loan debt. I am currently paying a variable interest rate of 8.25 % on nearly a {$30000.00} loan with Navient and they are unwilling to work with locking in a reasonable interest rate.
Product: Credit reporting or other personal consumer reports

I have been reaching out to Exeter Finance for the past 30 days to obtain a charge off letter for my charged off account or a 1099c. Company stated that they can not provide a charge off letter. Ive made im numerous request for a 1099c but still have not received anything. Every time I call to follow up I am told it will be emailed in 48hrs but I still have not received anything after 30 days. Customer service is not sure why and can not allow me to speak to the department that sends out the form they can onky keep creating request. Its been request 3-4 times. Still nothing. This account was charged off years ago. 

I have a recorded phone called ( agreed by both parties ) confirming account charged off. Can send via email if possible.
Product: Payday loan, title loan, or personal loan

i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. i had stopped the " project '' when i realised what was happening but he got access to my personal and bank information ( most likely from the black market on the internet ) and applied for two loans : one for {$5000.00} with XXXX  and another for about {$3500.00} with bestegg. i have contacted bestegg about the matter and disputed the account on all credit reports but bestegg has said that the account is accurate.