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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Current is an online banking platform and XXXX XXXX XXXX is the issuing bank. Going forward company is meaning Current and the issuing bank XXXX XXXX XXXX. 
Company repeatedly rejects checks from globally recognized financial institutions for no apparent reason. Upon contacting the company all i can be told is they can not accept the check. 
This company requires you to endorse the back of the check stating " for current deposit " or " for current mobile deposit ". 
When this company rejects a check for no apparent reason it can be frustrating because it is already endorsed to them and I have yet to find a different financial institution willing to accept the check. 
This has caused financial burdens due to the fact that I am unable to deposit a check, and sometimes have to pay a fee to get a new check issued. I have been told fees must be assessed because the issuing has to pay to cancel the first check. 
On top of this company repeatedly rejecting check for no apparent reason the also charge fees for services they advertise but do not provide. 

And no, the check are not NSF. Just the bank repeatedly rejects them after requiring an endorsement.
Product: Credit card or prepaid card

Hi Sir, I had disputed 4 transactions in XX/XX/XXXX on my credit card. As of today XX/XX/XXXX the case is still not resolved by chase and it was told to me by chase representative on the phone that I am not liable to pay these charges or the interest accrued on them until it is resolved. Now these charges have been reported to the credit agencies as past dues and my score is down by 150 pts. I would really appreciate chase to remove the past due remark from my credit report and also resolve this dispute asap.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit in a timely manner from my employer and any other incoming deposits. The deposit was supposed to be deposited on Tuesday, XXXX XXXX XXXX because Capital One offers consumers the option to enroll in receiving your direct deposit up to 2 days before the scheduled date. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX is an esteemed credit union in the United States, unfortunately they are currently reporting on a ghost debt that was paid off in XXXX. This ghost debt is not only still on my credit report, but the company is now refusing to remove the negative marks and late payment history from my credit report or file for a recorded closed and paid off secured card, or tradeline as XXXX, the associate helping with the matter explained. Reporting on or trying to collect a ghost debt that is almost 7 years old is illegal and unlawful. The reporting of a ghost debt in the attempt to collect said ghost debt is illegal and unlawful and does not give creditors an accurate scope of my creditworthiness and instead muddies it up and I have to prove my merit to the creditor by disproving these vicious credit predators and their counterpart credit reporters! XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX and Equifax are all to blame on this ghost debt from XXXX still haunting my credit profile into XXXX.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to XXXX XXXX so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. <P/>I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. <P/>XXXX XXXX XXXX
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. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall XXXX XXXX dispute number XXXX I also called Experian and XXXX XX/XX/2022 and filed fraud claims as well XXXX is reporting 20 hard inquires on my credit file and I had 0 inquiries last month when I called to check upon speaking with the XXXX agent she made me aware that there were 20 inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX just over 6 years ago. I made 72 payments on time and then, in XXXX last year I traded the vehicle in at XXXX XXXX Florida. Subsequently, I received notice in XX/XX/XXXX that Santander USA filed a 30 late notice on my account. I spoke with the Director of Finance at XXXX and he provided me a letter on their letterhead that due to Covid 19 they had a shortage of staff and thus the final payment was delayed. So after 72 months ( 6 years of on-time payments ), the dealership admits wrongdoing in a document signed by the Director of Finance. I also had my attorney provide a letter that stated that once I conveyed the vehicle to the dealership that I was no longer responsible for the vehicle. Thus, after providing these documents personally to Santander and XXXX, and then after hiring XXXX XXXX to submit our case, Santander has yet to remove the 30 day late. I'm an iXXXX and my credit is imperative. My next step is to file a law suit against Santander and I may be able to pursue damages. Santander is liable and they have a duty to acknowledge the auto dealerships admission of providing the late payment. If you can't get this done please obtain the contact name and address for service of process regarding this matter. I can provide the documents if you need them. Thank You, XXXX XXXX
Product: Credit card or prepaid card

To whom this may concern, I have three late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The card issuer is capitol one. The reason for the miss payments is due to the fact I am not informed on technology and I dont understand how to use them. The Reason why the banker told me to set up an automatic payments for the capital one platinum for the convince and the fact that Im too old to understand technology. There was a miscommunication within the banker who told me that my minimum payment was only $ XXXX monthly. So I made the automatic payment in the amount of {$20.00} a month when the actual minimum payment is {$25.00} at the time. I found out when I received the late payments appeared on my credit report-and I contacted Capital One and explain the situation they could not help me even though their banker helped me set up the minimum payments that caused this whole issue but now it needs resolving. This has caused a spectrum of issues in my credit affecting my life style and my family. Please help me.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I was in mediation and was told to submit a financial packet to the lender 's attorney 's office which I did and the packet was review and I was told that I qualified for the Making homes affordable program but the trustee 's of XXXX XXXX did not want to participate even though Nationstar was the lender but XXXX trustees had final say so, I continued in mediation which the lender 's attorney informed that Nationstar has an in house loan that I qualified for which was double the amount of my original mortgage payment it went from {$1500.00} to {$2900.00} which I told them they were setting me up for failure if I could not afford to pay the {$1500.00} how was I going to pay the higher payment which I did not do because again I could not afford it I stated it to the judge and the attorney. On XX/XX/XXXX via email from the attorney office I receive a motion to foreclosure to which I objection due to the there was fraudulent activity within my mortgage documents which I filed complaint with the Connecticut banking department and which they are reviewing at this present time. I was just received a letter of strict foreclosure which is dated XX/XX/XXXX and I have received the court letter requesting to me to come to court as yet but I should
Product: Student loan

Back in XX/XX/XXXX, my wife and I were struggling to pay our two student loans and I contacted AES to find out what can be done. I was contacted by an agent that told me our best bet was to consolidate our loans. Based on his advice, we did, only to find out that it effectively made our situation much worse. XXXX is the servicer of our consolidation loan, which currently sits at 7 % and despite several attempts to reduce this percentage, we were told we were given one chance but a late payment took that opportunity away. Additionally, by consolidating, I took away my qualification for Public Service Loan forgiveness program ( I have worked in XXXX XXXX in XXXX since XX/XX/XXXX ). This was NEVER disclosed to me during the sales pitch to consolidate our loans. It has now been over TWENTY FIVE YEARS since I first started paying on my student loans and over 12 since we were talked into consolidating - and our principal has actually gone UP significantly since the consolidation. I want answers and I want retribution for all the money we have paid into our loans without seeing any reduction of our principal balance. 
XXXX and its representatives ( and I blame AES services too ) misled us and we have been paying for it - literally - ever since.
Product: Money transfer, virtual currency, or money service

On the XX/XX/2022 i initiated an international wire transfer of {$17000.00} through my secure chase bank online account to a family member in XXXX. He never received the money, after six working days i contacted chase bank which i was told to wait a day more, I waited a day more there was still no money in my family member account in XXXX, I called chase bank and instructed them to initiate trace and recall of my {$17000.00}, which they did. the next day XX/XX/2022 i called chase bank again and i was given an email to report the problem am having with the wire transfer, WIRE ACH URGENT, i sent email to them and i did receive a response immediately. 
Thank you for contacting XXXX XXXX. 

To maximize efficiency and turnaround times please follow these guidelines : - DO NOT submit the same request multiple times, it will cause delay - Follow the instructions on the form when entering the required information on the subject line - Do not send requests without a form, as it won't be processed Please note requests received after XXXX pm EST will be processed the next business day. 

Today is XX/XX/2022, i have not received any update or where about of my money, is very scary that a big bank like chase can not trace and recall wire transfer that went via XXXX and secure account. i need my {$17000.00} credited to my Account
Product: Credit reporting or other personal consumer reports

Several disputes have been mailed out to Experian, XXXX and XXXX and they are not investigating or responding back, and I will like this investigation to be done asap. 

All of my dispute requests have been ignored. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so it is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. I want the derogatory accounts deleted. 

My file is attached for your review.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Checking or savings account

I bank with XXXX XXXX who now uses XXXX. I recently received an email from XXXX XXXX directly advising my " mobile number is inactive and has ben removed because it has been disconnected '', so they were removing it form my account for me. My phone number has not changed, nor has it been disconnected. I called XXXX XXXX who informed me this was a XXXX issue, not theirs. So I get transferred to XXXX who plays the blame game and says I need to speak with XXXX XXXX. After explaining over and over to the woman that this is not a XXXX XXXX issue, she suddenly asks if I changed cell phone providers. Although she already told me this was not " their fault '' I explained that I did switch providers, but my number did not change. She then admitted that if you change providers you will be " kicked off : '' XXXX. What do you know, I was kicked off XXXX, not registered, they removed me. My phone number has not changed, I have the same number. My husband and I pay bills from MY account, so he transfers me money on a monthly basis, every single month. When we register with XXXX as a " new user '' you are only allowed to send {$500.00} because you're a " new user ''. My issue is that I AM NOT a new user. I have now registered three separate times with XXXX and this last time is solely because of their error and negligence with my account. My husband now CAN NOT send me funds we have for our bills. XXXX has no business removing my phone number from my account or touching my account in the first place. Or the fact that they can clearly see I am not a first time user, but refuse to make any sort of " allowance '' to fix their {$500.00} first time user non-sense. I am literally being told what I can and can not do with MY MONEY all because of an error XXXX made. An error they will not own up to, fix, or make right with me. This is thoroughly unacceptable and I am beyond dissatisfied with BOTH XXXX XXXX and XXXX. the blame game. typical. no one can help, no one can fix anything, nothing. they literally did nothing for me. so I once again registered, took the {$500.00} since XXXX tells you how much you can and can not send to people.
Product: Credit reporting or other personal consumer reports

Hello, my name XXXX XXXX XXXX XXXX. I have recently reviewed my credit report and came across multiple inaccuracies on my credit report. The following information doesnt belong to me. Please correct them immediately as i am unable to verify my identity because of this. I am a victim of identity theft and didnt make these charges. I provided a copy of the FTC report, it was reported to the federal trade commission please remove to correct my credit report thank you for your time.
Product: Mortgage

My mortgage loan with New Rez was paid in full on XX/XX/21 when I sold my home. 

There was an impound escrow account with a balance of {$2800.00} that was due back to me as a refund. 

I have called New Rez numerous times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and the service agents couldnt explain the delay until the last call on XX/XX/21. That agent, XXXX took my banking routing information and said the refund would be deposited in a day or two. 

Its now 3 days and almost 2 months since the mortgage was paid in full. I read that they have 20 days to issue that refund and we are well beyond that time frame. 

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

I sent a letter on ( XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

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