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

This is to follow up about a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late open. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. I demand immediate action to rectify these egregious errors. Please help me correct the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified of a hard credit inquiry on my credit report on XX/XX/2024 by Wells Fargo Card Services. This was not initiated nor authorized by me. I have attempted to contact Wells Fargo multiple times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.
Product: Student loan

My complaint is about Navient. I have loans with them with two co-signers. I took out loans to attend college but I left college to go to XXXX  school. My loans became due almost immediately after leaving XXXX XXXX. While in XXXX  school I was not working and I was told that my Navient loan could go into deferment, however I was receiving calls about making payments to which I always responded that I am supposed to be in deferment. Upon completing XXXX   school I could not sit for licensing because I could not pay the school loan and of course this became a horrible cycle. I could not get a job because I had no license and I could not get the license without paying back the school. In the mean time I let Navient know I had no income and was told I needed to do forbearance because my deferment option was exhausted. I had to pay {$150.00} to file a forbearance that lasted a month. Each time the loan came due and I wanted to file a forbearance I had to pay {$150.00}, which I had to borrow from family or friends. I was not given the option of an income-based repayment, which I found out later should have been an option. I was not offered an economic hardship deferment. There was no discussion about how to lower my payments Then in XXXX I asked specifically for a payment program that I could meet. The person I spoke to said I could send {$20.00} per month to avoid default. I sent {$20.00} per month for nearly a year before receiving a call from Navient stating that what I am paying is doing nothing for my account and I needed to pay more, which I could not afford as I was still not working. She said I might as well not send anything. Then I found out that I was actually kicked out of this payment program and my loan was in default. Navient began calling and sending letters and harassed my ailing grandmother who is almost XXXX years old.  She is a co-signer from XXXX but now on a fixed income and sickly. She was so fearful it made her sicker but Navient would not help me to release her from my loan so that she would not be harassed. As stated above, in the end my loan went into default and then I started receiving bills from XXXX, XXXX XXXX XXXX XXXX, XXXX with what appears to be inflated amounts of each loan. At this time I am still trying to pay back XXXX XXXX XXXX to sit for licensing so that I can get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I had a account opened with wells Fargo and they closed my account but I still had money in my account how do I get it back
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include Equifax, XXXX, and XXXX. 

As of XX/XX/XXXX, all three credit reporting agencies ( Equifax, XXXX, and XXXX ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all 3 of XXXX XXXX consumer credit reports and files. 

Ally has furnished to Equifax for partial account # XXXX : XXXX XXXX XXXX ( 12 potentially negative months of payment history ; varies from XXXX and XXXX ) - Monthly payment : {$860.00} ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( ( varies from XXXX and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. 3 BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX  ( XXXX potentially negative months of payment history ; varies from Equifax and XXXX ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from Equifax and XXXX ) - Status updated : XX/XX/XXXX ( varies from Equifax and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from Equifax and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. 3 BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( Unknown payment history ; varies from XXXX and Equifax ) - Monthly payment : {$860.00} ( varies from XXXX and Equifax ) - Status updated : XX/XX/XXXX ( varies from XXXX and Equifax ) - Payment History start date : No Payment History being reported ( varies from XXXX and Equifax ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : XXXX.
Product: Money transfer, virtual currency, or money service

I used Money Lion only for their XXXX. Basically it gives you your pay check ahead and you pay it back. Well someone hacked my account and I have the email that shows it. They opened a credit builder loan and transferred the funds to an unknown XXXX XXXX. Ive never used the digital account since using the application. I have disputed this with my bank but now they have my checking account linked to pay back the credit builder loan I never opened! You dont have to put your information in to open the loan because the app does it for you so whoever hacked my account has access to my information to open because they hacked my account.
Product: Money transfer, virtual currency, or money service

they closed my accounts and its been almost 2 years and cant resolve nothing .I bought XXXX Bitcoin at  that time and they never gave me the coins. 
they canceled the transcations. 
i have proof of emails.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is not my debt to pay and they wont stop contacting me to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX, and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 

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

Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXX of 2020, I had reached out to XXXX XXXX  in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These two auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive one charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.
Product: Credit card or prepaid card

On XX/XX/2023 I went to my local Truist banking location to apply for a XXXX XXXX Credit Card in the hopes of using it to get the XXXX Precheck charge waived as part of the advertised benefits. I was told the application was under review, and would hear something in a day or so. On XX/XX/XXXX, I called and left a voicemail for the banker that I submitted the application with, and still haven't heard back from them. On XX/XX/XXXX or XXXX, I went to the branch again to see if I could talk to the banker. He was working the teller line and was not able to see me, but I did speak to the area manager, XXXX (? ), who assured me that I would be hearing something soon. ( still nothing ). On XX/XX/2023, I called and spoke to Branch Manager, XXXX XXXX. He was surprised that I had not heard anything. He offered to submit a complaint to the executive office for me. Complaint number XXXX was opened by XXXX. I have not heard anything from the executive office as yet as well.

I firmly believe that my rights under Truth in Lending and Fair Credit Reporting have been violated. I have not received an Adverse Action letter, I have not received a call, email or written letter in regards to this application.

I was not asked about additional income. I was not asked what limit I was looking for. The bank apparently has a minimum limit they offer, and did not disclose what this limit is. I understand through my dialog with XXXX that the application was declined. However, as I work in banking, I feel I have been beyond patient in waiting for them to attempt providing a written response. 

I would like commend XXXX for his assistance through all of this, but 1 person is not enough to fix all the mistakes of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX account # XXXX {$980.00}, XXXX XXXX  Account # XXXX {$1900.00}, XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX  Acount # 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: Credit reporting or other personal consumer reports

the law clearly states in 15usc1692cc that ... ..Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was looking to rent a home, a transfer in {$1800.00} was made from my Bank of America account through XXXX to the scammers email. I called Bank of America right away to informed them I had been scammed and file a police report of the incident. 

After talking to multiple agents they informed me the charge could not be stopped. They kept saying I authorized the charge and there was nothing they could due. I have collected all the information they ask for and have the police report to prove I was indeed a victim of a scam and yet XXXX our Bank of America will not stop the charge which is still processing.
Product: Money transfer, virtual currency, or money service

I've been frauded through Zelle several times from bank XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry 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

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX XXXX open XX/XX/2016 {$22000.00}, my name is not correct.
Product: Debt collection

I was contacted via email by TSI stating they were working on behalf of XXXX XXXX XXXX. I responded to the email disputing the debt in its entirety and requested documentation. After disputing the debt TSI provided no documentation but began to call me on multiple occasions requesting personal information. Including Social Security Number previous and current addresses. This is a fraudulent debt XXXX was paid in full when I canceled my services. If you research this company there are hundreds of complaints addressing the same thing. No matter how much money you pax XXXX upon canceling there services they always bill you more. When you refuse to pay the indulge in extortion by referring the account to multiple collection agencies who without proof report as derogatory credit in order to collect money consumers do not owe. This is the 7th Collection company XXXX has sent this debt to. I have successfully fought all 7. But they continue the harassment.
Product: Credit reporting or other personal consumer reports

I verify my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need you investigate these items for accuracy. The items need be investigate XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : XXXXConfirmation of the corrections made to the disputed item. 

XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

XXXXA detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX  XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Product: Debt collection

I am unemployed and a survivor of Hurricanes Irma and Maria. lost all my belongings with the hit of Hurricanes Irma and Maria in Puerto Rico, where I had been living for the past 5 years. 

I request that the law firm representing Credence Resource Management , LLC will understand that I do not any resources nor income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have accounts reporting inaccurately on my report. I've contacted the credit bureau about these accounts and received no cooperation about this matter.
Product: Money transfer, virtual currency, or money service

My phone was stolen at a night club on XX/XX/XXXX and used to initiate XXXX Transfers to an unauthorized person in the amount of {$5000.00}. When the fraud was reported to Bank of the West, they asked that I submit a fraud claim with them. Following that claim being submitted, the bank denied the fraud claim as they said that I was being careless with my personal property and that the fraud was actually my fault. I have been treated as a co-conspirator by Bank of the West since this process began and I am the victim here. I have had an account in good standing with Bank of the West since XXXX. The Bank first denied my claim because the banker ( XXXX ) I was working with at the XXXX XXXX XXXX did not understand what had happened when he took the claim. I was then contacted by someone named XXXX who was with Bank of the West. She interrogated me again as if I was a co-conspirator with the person who stole my money. After I told her what had happened, she attempted to lay the blame on me saying that I was irresponsible with my property. After she berated me, she told me that she was waiting to hear back from the receiving bank to try to get the funds back before she credited my account back the funds that were taken. I told her that I would wait until the funds were credited back into my account from either the fraud person 's bank or Bank of the West credited my account back. She assured me that I would receive the funds either by retrieving the funds from the receiving bank or by Bank of the West crediting me back. She even said that she wanted to delay crediting my account back the {$5000.00} because she didn't want my account credited back {$10000.00} if the receiving bank sent back the funds that were taken. Following that phone call, I received a letter from Bank of the West again denying my claim and now saying that I needed to contact the receiving bank to get my funds back.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

CONNS XXXX Date Opened : XX/XX/2015 Balance : {$810.00}
Product: Debt collection

Debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Bankruptcy discharge and inquiries also needs to be removed do to identity fraud/theft and my information being exposed in a data breach/ XXXX XXXX XXXX. Please remove all items from credit report.
Product: Debt collection

Portfolio Recovery calls regularly from different numbers. Last night they called from XXXX. I answered and no response on the other end. I have no debts. I pay credit cards within 30 days by auto-pay from my bank. I have no mortgage. Portfolio Recovery should send me written validation of any claim they think they have and stop harassing me on the telephone. 

If they come back and say they ca n't do anything because they do n't know what my phone number is, that is a sham. Your instructions say not to include contact information in this field. Separately you have my name and address.