23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$750.00}. i sent this agency XXXX notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account
Product: Checking or savings account

XX/XX/XXXX I applied for a XXXX XXXX credit card through Credit Karma 's Karma Guarantee. The guarantee says if I am declined, I receive {$50.00}. On XX/XX/XXXX XXXX contact Credit Karma asking about when I'll receive the email to claim the payment. I keep receiving the same script over and over, even after providing proof that what they are saying about the application being unfinished is false. 
The case number for my help through Credit Karma is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.
Product: Checking or savings account

PNC overcharged me in overdraft fees. I called and tried to get it resolved. I spoke with a Mr. XXXX XXXX who advised that it was a business decision no to reverse the fees. I told him I would leave and would not obtain my mortgage with PNC because of the poor service I received.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I opened a XXXX XXXX credit card account with XXXX XXXX, the credit limit is {$2500.00}. onXX/XX/XXXX. Once I was approved I asked the bank to do a balance transfer to another Credit card, which is with XXXX XXXX. I received an e-mail on XX/XX/XXXX from HSBC informing me that the transfer took place and XXXX should receive the funds within 7 -10 business days.After not seeing the credit to the credit card fromto XXXX. I decided to follow up with HSBC on XX/XX/XXXX. 

I was told by the agent I spoke with that the funds was transmitted to another account and not the one I provided to them and they will investigate and get back with me. I kept calling and was told a copy of the check will be express to me and I can follow up with XXXX. As of date I have not received any correspondence from HSBC only promises.
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, ( Original Creditor. XXXX XXXX ) account # XXXX Date reported XX/XX/XXXX amount {$580.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$390.00}. XXXX XXXX XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$120.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$22000.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$420.00}. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 

15U.S.C. 1681 Section 604 A section 2, 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 and crimes which antedates the report by 7 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: Student loan

Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. I previously submitted a complaint and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me, which is patently false. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.
Product: Credit card

I stayed at the XXXX XXXX XXXX by XXXX from XX/XX/XXXX to XX/XX/year>. My reservation, which clearly states that it includes taxes and fees shows a total of {$480.00}. On XX/XX/XXXX, I was charged {$590.00}, an overcharged of {$100.00}. No other charges where incurred during my stay, as shown on the bill. I tried to dispute this with Citibank, showing the reservation, as well as the bill from the hotel. They have rejected the dispute several times saying I have not provided sufficient proof, without any specifics, as if they have not even looked at the proof submitted. After over 5 different phone calls and resubmitting the information several times, they have once again, denied the dispute without clear reasoning. Therefore, I have decided to submit this formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After taking the time to review my credit report I realized I have several months of late payments that are incorrect. On XX/XX/XXXX, I paid in full on my XXXX XXXX XXXX. On XX/XX/XXXX I received a letter stating that I had paid off my vehicle, followed by the mailing of my title. 

In XXXX at some time my husband at the time realized that his card was used fraudulently, XXXX XXXX made the action to reverse number of charges on his account to review them. Once I realized this, I called TD Auto Fin to make sure no payments were affected. I was informed on XX/XX/XXXX, that {$1000.00} in total was reversed which I paid that day Transaction ID : XXXX. 

Instead of TD notifying me immediately of the reversal of a bunch of late payments for previous months including XXXX was submitted. In return XXXX XXXX fixed my husband at the times account and I was issued multiple checks because there was a {$1000.00} overage on the account. 

I take my credit very seriously and I am not going to stop contacting TD or the XXXX credit bureaus until the incorrect information is removed. Due to this inaccurate information, I am having issues moving forward with home ownership at a better rate. If this can be done swiftly, I would greatly appreciate it.
Product: Debt collection

Submitted a BBB Complaint on  X/X/2017    for  Debt Validation  to  XXXX .  XXXX   XXXX   XXXX   XXXX  and was forwarded to the business the same day on  XXXX / XXXX /  XXXX  . The company did not respond until  X/XX/2017    and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practice s Act, 15 USC 1692g Sec. 809 ( b ), the  company can not report my account to credit reporting agencies until the debt validation is provided.   XXXX   XXXX  eported this account to   XXXX   and  XXXX  on  X/X/2017   . The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.
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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2021 i requested MRS Associates to validated an alleged debt they claim that I owe. The debt collector unable to validate the alleged debt. The debt collector violated my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX I quit my job with XXXX, my 401k is through Wells Fargo. On XX/XX/2018, I called customer service and asked for my distribution of my 401k. On XX/XX/2018 they supposedly mailed out my check. On XX/XX/2018 I called back and they said they mailed the check to the incorrect address, which is impossible because my address never changed. Supposedly it would take another 10 business days to arrive. I called again on XX/XX/2018. They keep apologizing, but I have yet to receive my check. I reported my situation to the board of directors for Wells Fargo, the federal reserve and whomever else possible. My information got forwarded to the cfpb who in return sent my information to wells Fargo. Wells Fargo responded on XX/XX/XXXX with a pdf letter which I never received in the mail which was dated XX/XX/18. It is now XX/XX/18 and I still have not received my check for XXXX. I have lost out on an excellent job offer because I was going to use this money to move. Now I am homeless and living in my car. All I want is for Wells Fargo to either deposit my money into my bank or mail me my check. I never had these problems with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CARD XXXX, XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX, XXXX CARD XXXX and XXXX CARD XXXX.
Product: Credit reporting or other personal consumer reports

This is what I wrote to the company and they responded with saying there has been no personal information that was compromised. 

I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private dat/ was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( XXXX ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

XXXX XXXX XXXX ( XXXX ) : Establishes the responsibility of educational institutions and loan servicers to protect student data. 

Privacy Act of 1974 : Prohibits the unauthorized sharing of personel information held by federal agencies. 

Breach of Contract : The unauthorized sharing of student loans borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 



Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 



I appreciate your prompt attention to this matter and look forward to you response.
Product: Debt collection

I received attorney advertisements regarding a lawsuit filed against me on   X/XX/2017     by Jefferson Capital Systems , LLC for {$250.00}. This is the first notification I received regarding the debt. I contacted  Jefferson Capital t o find out who they obtained the debt from and found out that this debt is from a closed bank account from  XXXX  with   XXXX    XXXX   XXXX . I have n't had any contact or made any payments to  XXXX   XXXX  since closing the account. The statue of limitations to collect a debt in the state of Texas is 4 years after the last payment was received. I 've contacted an attorney that will charge me {$350.00} an hour to fight this frivolous lawsuit. If I lose, I will have to pay  Jefferson Capital 's a ttorney 's fees as well. I plan on fighting this in every way I possibly can.
Product: Checking or savings account

I was told when I opened my account if I had a direct deposit of at least {$500.00} or so I would not be charged a monthly fee yet every month they continue to take out a fee I have received some of my fees back but they still continue so I was told that the account I opened was subject to fees and was told to open another account and it would drop fees but now I get charged for both accounts I don't understand what is going on and I'm tired of contacting my bank when nothing is being done
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keeping Capital, LLC XXXX XXXX XXXX. XXXX FL XXXX I agreed to work with this company about two years ago and initially paid over {$1200.00} and a monthly recurring payment of {$29.00}. Initially I thought I was getting positive results but soon found out conflicting information. The student loan was still with the previous provider and now also with a debt collection agency that Keeping Capital seems to be in contact with.According to Keeping Capital and the debt collection agency, my loan is in default, however, it's not in default with the other student loan service provider that I am working with. 

The last automatic payment that Keeping XXXX pulled was in XXXX. Since then, my debit information has changed and I have decided to cancel with Keeping Capital. LLC. I called and spoke ( XXXX ) with XXXX from Keeping Capital and expressed that I wish to cancel. She stated that it doesn't work that way and that I needed to make the XXXX payment if I wanted to cancel. She stated that I received the benefits for the month in the form of movie theater tickets and discounts. I have not received any movie tickets OR any other discount that the Keeping Capital representative stated this month or prior. 

I am requesting resolve in my effort to cancel with this agency. I called to attempt to cancel with Keeping Capital, LLC on XX/XX/2020 and I believe that should have been honored. I paid more than enough and I simply want to cancel. I do not believe that I should have to make a payment to cancel. Please help. Keeping Capital, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically I asked the credit bureaus to do a verification of my credit report and they did. They said that everything was accurate on my credit report, but I also did a thorough report on my credit myself and there are still a lot of improper inaccuracies on there after they did there research. The company is XXXX XXXX account number # XXXX XXXX XXXX XXXX Experian In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispuTe in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I am having a situation where i have already sent in documents to the major credit bureaus asking them to please remove a fraud alert placed on my credit report. 

I have sent them the proper documentation they have have requested. 

ID, Social Security Card, utility Bill to prove my identity. They have yet to remove the fraud alert and it is causing me lots of street and financial hardship. 

I am providing all documents once again
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) informing me that they had charged off my XXXX account and sold it to Midland Credit Management ( MCM ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from MCM stating I had a XXXX XXXX balance on my XXXX XXXX 

I spoke with MCM and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the XXXX XXXX XXXX  credit bureau line item. When I called XXXX XXXX XXXX they tell me that they no longer have the account and that I will have to resolve the credit bureau update with MCM. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.
Product: Student loan

in XX/XX/XXXX, I. lost my son in a car crash, Loans he signed for were forgiven. the parent plus loans I signed for were not they said they were combined with another sons loan. Over a 12 year period I made several attempts to clear the notes. I continued to make payments. In XX/XX/XXXX< I contacted an ombudsman to plead my case. I was some what successful, in XX/XX/XXXX the total amount of his portion of my debt was credited. ( {$56000.00} ) What was not credited was the interest that accrued over the 12 years for the {$56000.00}. 
After doing my own anylasis, if the my debt due at the time with the payments I made would of been less than {$10000.00}. In stead it was set at over {$27000.00}. Te difference is very close to the cost of of interest for the {$56000.00}.