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

My original loan servicer, Ed Financial, student loans are still appearing on my credit report despite being transferred to XXXX as of XX/XX/year>. There were no actions taken to remove these loans from my credit report, despite no longer having any open lines of credit with Ed Financial. This information is being inaccurately displayed on my credit report. See attachments for proof of transferred loans.
Product: Debt collection

A lady impersonating a attorney called my phone and left me a very threatening message i called the number back and she said she was from the XXXX XXXX in California. Stating that I was being sued for fraud for not paying a pay day loan from cash central, and that a sherriff was going to serve me at my job. My loans with Cash Central are paid in full btw. I even have documentation stating that my loans were paid in full. She told me that if I didn't pay them, that I would be served at my job and that all of my bank accounts would be suspended for 10 years. She tried to get {$550.00} from me, saying that if I paid the money by XX/XX/XXXX, that I would not be served and that cash central would drop the lawsuit. Her phone number is ( XXXX ) XXXX and her fax number is ( XXXX ) XXXX.
Product: Mortgage

I have repeated called NewRez to discuss a loan assumption. My partner died of XXXX XXXX XXXXXXXX ( XXXX  ) and left me our home. I have been paying the mortgage on our home since his death in XXXX. 
- The phone numbers posted on NewRezs website are incorrect.

- When I am able to connect with the company ( via a loan officer ) they wont talk to me about the loan and claim they havent received the proper documents from me to discuss the loan.

- They initially provided wrong/misleading guidance on the proper documents to discuss the loan. ( They tried to claim the original, raised seal death certificate was not an official document. They also claimed the will is not an official document even though it was accepted by the probate courts in XXXX XXXX, IL ) - I have emailed the documents required to discuss the loan repeatedly, but they still claim to have not received them. 
- Whenever I try to speak to someone in assumptions as my case is unique ( my partner and I werent married ), they tell me their assumptions department does not have a phone line.
Product: Checking or savings account

Navy Federal Credit Union unethically placed a total of 6 accounts into credits only status due to a garnishment on behalf of XXXX, XXXX, XXXX XXXX XXXX, XXXX But I have not been to court for the garnishment because its not until XXXX of 2021. 

NFCU not only did they illegally place my accounts into credits only status but 2 of the accounts receives protected funds and I am unable to do any transactions through my debit card because NFCU turned off my debit card without my knowledge. Not only do I have bills connected to this card but I have kids to feed. They turned the card back on for 2 minutes after it was turned completely off for me to pay for a meal for myself and my kids but afterwards turned it back off over the weekend. This has been a major inconvenience for myself and my family. They've refuse to take at least 2 of the accounts out of credits only status although the accounts are receiving protected funds. I have been a loyal member with NFCU for over 11 years and I recently just found out NFCU have been commingling my funds which is part of the reason my accounts are in credits only status. I would like for my accounts to be placed back in normal status and my debit card to be turned back on. The bank states that there has been numerous fraudulent activity as well as too many lost cards on the account and does not align with their practices, but every fraudulent activity I encountered I properly reported to my bank institution and anyway they absolutely have no jurisdiction over how many fraudulent activities are processed on account because the money is insured by the federal government and Navy Federal do not get to determine if I " deserve '' a debit card or not. This was extreme and unethical on behalf of Navy Federal Credit Union.
Product: Checking or savings account

On Sunday, XX/XX/XXXX of 2021, at XXXX I received an automated message from Wells Fargo XXXX The message goes as followed ( I have censored my personal information ) : FreeMsg : Verify Wells Fargo activity. Card **** {$600.00} @ ATM XXXX {$12.00} @ XXXX ****** Reply Y if recognized, or call XXXX. STOP to stop msgs. 
I immediately called the number, as I was checking my bank account transactions to see what was happening. Someone had accessed my account through a nearby ATM I had only used twice previously. They initially tried to take out {$600.00} but were denied. They proceeded to try again, but this time for {$500.00} and were successful as my bank transactions stated. I had recently gotten off work and was at home as I frantically explained what was going on to the number I had been instructed to call. They calmly accepted my situation and told me they'd be shutting off access to my card, and immediately sending a new debit card in the mail. I begged for more information regarding where my money had gone and how someone could've stolen it considering I only have one debit card, and no one knows my pin. A week goes by, and as of XX/XX/2021, I found a letter in my mail addressed to me as a resolution of my claim. They found the transaction to have been made by me because the person used my pin, therefore they ended it with a " Please consider your claim closed. '' I filed a police report that has not affected my situation, and I have been tight on bills ever since the sudden loss of this {$500.00} taken from my account. My account was closed a few months later due to insufficient funds because of this sudden impact. It would greatly help me financially to get back the money that was stolen from me so easily after having an account with Wells Fargo for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bmw financial has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with Bmw and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and Bmw financial has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
Product: Credit reporting

Hello, I have contacted Experian about my credit information 14 times, through the web and several calls. The problem is the personal information that I am providing, name, address, and SS, that I am providing, does not match what they have in the system and I told them that is who I am and I can prove it. But, time and time again, they kept telling me sorry we can not help you unless I provided the correct information, which I told them that I am and they basically said, sorry we can not help you. I kept asking who I can talk to, so I can show them who I am and prove to them that who I am is the person with the SS, but they kept telling me sorry we can not help you, because the information I provided does not match what they have in the system. After the 14th call and several weeks of trying, I went straight told the person that I needed to talk to their supervisor and I told the supervisor, that the problem I having is my personal information that I am providing does not match their system and that I can prove who I am and that my SS and all information that I can provide is correct and what Experian has is wrong and I believed someone is using my SS. I asked her who can I talk to or how can I make an appointment to see someone to show them all the proof I have on who I am and get this fix, which was affecting me getting a car loan and to my surprise, after I gave my personal information to the supervisor, she said, sorry we can not help you, because the information that I provided does not match their system. Keeping my calm I said to her, I know, that 's what I told you at the beginning of the phone call and that is why I wanted to talk to you, because I believe someone is using my SS and she basically said, sorry since the information you provided does not match what is on file, they could not help me. I could n't even open a dispute because the information I have does not match their system. That was about 3 years ago and time and time again I keep getting denied credit from companies that only use Experian as their only source. The other XXXX reporting agencies I have no issues with and can view all my credit information, except Experian. I stopped trying to get this resolve, since I figure there was no help, till I read about this page that can help people like myself. 

Thank you very much for your time and quick reply,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are not supposed to 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: Debt collection

I keep getting a call from Meridian Financial XXXX. 
I have XXXX debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer transfer Act ( EFTA ) and Regulation E. These actions have caused Significant inconvenience and financial loss, and I Seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 check my credit report and on Equifax there was reported company called XXXX XXXX XXXX in a purchase of a vehicle of the amount of {$17000.00}. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. I made a dispute with Equifax informing them that the account is not mine. The dispute outcome came back from Equifax and they determined that the account is mine. On XX/XX/22, I called Equifax to obtain more information about their investigation. Equifax informed me that I needed to send them a copy of an identity theft report, a copy of my driver license and social security card to block the above company reporting my information to Equifax since I have not bought a car from such company. I send the information to Equifax on XX/XX/22. Today, XX/XX/22 I checked my credit report and again the same company placed another report of a purchase of a vehicle for the amount of {$13000.00}. I placed a fraud alert XX/XX/22. I did spoke with XXXX from XXXX XXXX XXXX associated with XXXX XXXX XXXX on XX/XX/22. XXXX informs me that they don't have an account under my name and could not provide further information since I don't have an account. How can this have happened twice on a row in the same year. I honestly have not made any business with XXXX XXXX XXXX and how they are using my personal information which I believe it is fraud.
Product: Money transfer, virtual currency, or money service

I have had several companies take out unauthorized transactions from my debit account. I filed dispute with us bank regarding the unauthorized transactions and asked if I could complete the dispute paperwork over the phone, as I do not have means to mail or fax at this time. The us bank card member services personnel member berated me over the phone and told me I needed to fill out the paperwork if it was sent to me. When I asked about an alternative to filling out the paperwork she became rude and told me to hold so she could get another team member to talk to me, left me on hold for a long time, then disconnected the call. This is the eighth time I have been hung up on by us bank when trying to handle my disputes.
Product: Debt collection

I received XXXX separate notices from XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX {$83.00}, XXXX XXXX {$66.00}, XXXX XXXX {$70.00} I've had an XXXX account for over XXXX  years and have never owed them any debt and I called the to verify this fact which they did. I put in a dispute with XXXX XXXX XXXX and asked them to send me proof of the debt they say I owed since both XXXX and myself were unaware of it! 
I received a letter today dated XX/XX/2022 from a XXXX stating that they did not have enough information to investigate my dispute and want a copy of my drivers license and my SSN number and a copy of a vided check. I never paid my XXXX account with a check and I'm not giving them my personal information Reference # XXXX
Product: Bank account or service

I opened a Citigold checking account pursuant to a CitiBank offer that promised a bonus award of XXXX XXXX Aadvantage points provided I made a certain amount of online bill pay payments debit card uses within a two month time period. A copy of the offer is attached. I do not recall where I received the offer, whether through CitiBank ( I am an existing credit card customer ) or other place. 

In any event, after opening the account I called CitiBank customer service and confirmed I was enrolled in the bonus offer program. After hearing that other participants in this bonus offer were denied bonuses, I contacted CitiBank again regarding this issue and received an email letter, stating that I was not eligible for the offer. A copy of this letter is attached. 

I signed up using the offer code and was approved by CitiBank, a process that included a credit check from the bank as well as funding the account properly on my part. I have been using the account and have now met the program requirements. 
Nonetheless, CitiBank has denied me the bonus. I believe this accounts to a bait and switch tactic designed to get me open my account, deposit money into the bank and not provide me with a promised reward. 

Can the Consumer Financial Protection Bureau assist me with this complaint so that Citibank provides me the promised XXXX Aadvantage points?
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , N.Y. XXXX SSN XXXX XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am demanding that you remove the following accounts from my credit report immediately since you are in violation of FCRA 15 U.S. Code 1601 and FCRA 15 U.S. Code 1681 section 602. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Also, XXXX account is showing that I was 120 days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How is that possible? 

REMOVE IMMEDIATELY or face a {$1000.00} fine for each account. 

Please send me a new updated credit report in 30 days to the mailing address listed above. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Credit card or prepaid card

I have a Wells Fargo credit card which has multiple companies set up receive recurring payments from it. It is the policy of Wells Fargo that they delay applying payments they receive toward the credit limit, even though they do credit them towards the balance remaining. Consequently, I have repeatedly exceeded my credit limit and had {$0.00} credit left, even when my balance as shown on their own app was less than half of the limit. For example, this month I initiated a payment of {$8000.00} using the Wells Fargo app on XX/XX/XXXX. This amount was withdrawn from my checking account on XX/XX/XXXX. Since then I have also made payments ( using my checking account 's online banking ) for {$2000.00} and {$1000.00}. All of these payments show up on the Wells Fargo app, which shows the current balance this morning as XXXX XXXX of my credit limit, but my " credit left '' remains at {$0.00} and it is now XXXX XXXX XXXX days after the {$8000.00} was withdrawn from my checking account! 

This policy by Wells Fargo is completely UNACCEPTABLE. I have had much inconvenience and lost money because of it. No other financial institution with which I work takes more than 3 business days to fully credit an ACH payment. I will be switching to another credit card company, but want to warn other consumers to AVOID WELLS FARGO credit cards!
Product: Debt collection

I first disputed this account with the 3 Credit Bureaus beginning XX/XX/XXXX-XX/XX/XXXX & after many attempts of disputing this account with the Bureaus only to get results stating that they verified this account & that the furnisher State the account was reported accurately I decided to move forward with my disputes with the company. So in XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a letter asking for documentation of paperwork that says I owed them a Debt for this account & in return they sent a letter stating that they were unable to verify this account & needed more information when in the letter attached I submitted what information was on my Credit Reports with the Bureaus. So during XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a Debt Validation Letter only to get a response stating that they dont provide general validation of account information or account statements so @ this point I decided to move forward with a complaint to enforce a Validation of this account reporting on my files with the Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to SYNCHRONY BANK/CARE CREDIT along with Exhibits stating violations per USC 1692d ( 1 ) .SYNCHRONY BANK/CARE CREDIT is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Product: Student loan

Hello, I originally took in this loan over 3 years ago, the reasons I have not paid the full amount yet is mostly economical, I went through a divorce 5 years ago and I am a single mother supporting myself and my daughter. I have deferred or ( forbearance ) payments for a total of 36 months, ( I had no knowledge the maximum time for forbearance was 36 months and that I had exhausted that time limit ) I was offered the option on the phone to get this done once more and I did it. My plan was to pay this in full when my tax return arrive early next year since I will finally be receiving incentives at work starting next year. I phoned ACS sometime in XXXX to submit my request to defer over the phone and it was accepted, at no point or time I got a denied note telling me it was actually denied. I went on and about thinking my account was in forbearance until I get a warning from XXXX telling me ACS had reported negative information in my file. I understand I exhausted the time limit but I did not know I did, nobody contacted me from there to let me know and to start making payments! I begged them to please remove the negative information from my report since my credit score dropped more than 60 points! I am finally trying to get a loan for a house and this is not helping me. I have friends who have been able to put their accounts in forbearance for multiple years, none of them are of XXXX descendent, which is very strange. I spoke to ACS and let them know I could me XXXX payments from XXXX and starting XX/XX/XXXX I can either get back into full repayment or pay the account in full. The stated the are obligated under FCRA to report negative information if the loan is n't paid as agreed, or account is in suspended payment, I understand that but I was under the impression I WAS in that status, had I known I was not I would have start paying somehow. What ACS is doing is keeping me from going forward in life, all I want is the negative information to be deleted from my credit reports because I did not know my account had exhausted 36 months of forbearance.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX