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

I sent EDfinancial a copy of my copy B as evidence that my student loans with the department of education were completely discharged and should be marked paid as agreed, as the current status is showing delinquent payments, which is hindering my ability to utilize my credit, which is causing me serious harm.

Since EdFinancial is the loan services who is actually reporting on my credit and not the Department of Education who is the original furnisher of the loan, II sent evidence of my copy B to the loan servicer. Seeing as they have access to my credit report and it must be as accurate as possible when they are aware that information may be reporting incorrectly, I am expressing the GRAVE duty they have in maintaining my credit report, as they have Assumed the role in credit reporting
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  US Bank has made an " Individual Inquiry '' into my personal XXXX credit file after I have used " Check your rate '' tool on their personal loan page XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, when I have realized that instead of " soft inquiry '' US Bank did " Hard inquiry '' I have reached out to the Personal Loan department over the phone around XXXX XXXX. Associate I have spoke with failed to provide me the reason for the inquiry and instead suggested that I should " just dispute the inquiry with the credit bureaus ''. After verifying that there are no existing applications within their system she transferred me to their " Consumer Credit Dispute '' department from where I have been transferred once more with no luck to resolve my issue. 

Meanwhile, my credit score as per XXXX XXXX and XXXX XXXX XXXX tools has decreased by XXXX due to this inquiry. 

XXXX XXXX search shows that there are many people in the same position and complete failure on behalf of the US Bank to : A ) fix the issue in their system to stop this from happening ; B ) take necessary steps to address existing concerns.
Product: Payday loan, title loan, or personal loan

My girlfriend, XXXX XXXX, went to XXXX XXXX XXXX for a XXXX XXXX and XXXX XXXX XXXX. My girlfriend is only XXXX years old, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The Doctor 's office used aggressive sales tactics to pressure her into a XXXX that she did not need. The XXXX went horribly wrong. My girlfriend had XXXX from the XXXX, and had to go back to the hospital for further care. She also became XXXX and was checked into a XXXX XXXX in Texas because she XXXX XXXX XXXX XXXX XXXX. I am making this complaint because I do not feel that the services rendered by the doctor 's office were done correctly. My girlfriend and I paid for the XXXX through a joint care credit account. Furthermore, we were charged the wrong interest rate and wrong loan terms with care credit. When I called care credit, they said I needed to call the doctor 's office. When I call the doctor 's office, they tell me I have to call care credit. XXXX XXXX XXXX. phone : XXXX XXXX XXXX XXXX, phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit card

See the attached documents. I want the bureau to begin an investigation into these accounts, as they falsely indicate late payments.
Product: Debt collection

I have submitted multiple dispute letters to LVNV regarding this alleged debt and have received no proper response. In addition to my dispute I submitted a request that I be contacted in writing only regarding this matter and not via telephone. Following this request I began receiving aggressive phone calls from XXXX XXXX on behalf of LVNV, phone calls that have become threatening in nature.
Product: Credit reporting or other personal consumer reports

Several disputes submitted where information was requested from XXXX, XXXX, and Experian for proof of verification of account and the company kept coming back the information was verified, even after I submitted paperwork from the original creditor stating the record was purged from their files and no longer reporting. I asked for the record to be deleted from the credit report and was denied. dates of event XX/XX/year>, XX/XX/year>, XX/XX/year>. 

XXXX Acct # XXXX
Product: Checking or savings account

Hello I have filed a complain before. Been contacting Bank Of America for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called Bank of America and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it Bank of America has put a remark that this account was charged off and due to fraudulent activity it was closed. Called Bank of America over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from Bank of America. The collections team says your balance is zero but the fraud team has to remove the report from XXXX system. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid six digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX  : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Vehicle loan or lease

I have been trying to contact Truist Bank to get a copy of a lien release for a SunTrust Bank car loan that ended 10 or so years ago. I have called the customer service line over twenty times and have been put on hold for over five hours total. 

1. I call Truist 's customer service line, XXXX. 

2. After waiting between 15 to 40 minutes, a representative answers. 

3. I explain the situation. Representative informs me they do not have access to loan records and transfers me to the " loan department. '' 4. Three scenarios : no one picks up despite waiting for 30 to 60 minutes at a time ; the call gets disconnected ; the representative connects me to another representative who says they can't help, and then connects me to another representative who also can not help, and then transfers me to the " loan department. '' The call either goes nowhere and I have to give up, or the call gets disconnected. 

I have called the supposed loan department 's direct number XXXX but the process is still the same as above. In fact, a representative that answered from this number tried to give me the same number when I asked for a direct number to the Truist loan department.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I went to view a car but had no intentions of buying nor did I want my credit report ran the rep took my id and did such without my authorization or permission Im asking this account from Sensible Auto be removed from my report as this inquiry has hard my overall score please see this account be removed immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ( XXXX ) XXXX Hard inquiry from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Re : Complaint Against Credit Reporting Agencies Violation of 15 U.S.C. 1681a Dear CFPB, I am submitting this formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, by the credit reporting agencies XXXX, XXXX, and Experian. 

The issue concerns inaccurate reporting of an account issued by XXXX XXXX XXXX. On [ specific date ( XXXX ) ], I identified discrepancies in my credit report that persisted despite my attempts to resolve the matter. 

Details of the Dispute : 1. Account History : XXXX XXXX XXXXXXXX account in question was in good standing, with no late payments recorded for over one year. I provided documentation to all three credit reporting agencies ( CRAs ) confirming this fact. 


XXXX. Removal of the Account : XXXX, XXXX, and Experian removed the account from my credit report after my disputes. However, XXXX XXXX states in their response that the account was accurately reported, creating conflicting information. 


XXXX. Violation of 15 U.S.C. 1681a : The CRAs failed to ensure the maximum possible accuracy of my credit report, as required under the FCRA. This ongoing issue affects my ability to secure credit and reflects a failure to properly investigate and correct errors. 



Supporting Evidence XXXX XXXX XXXXXXXX XXXXXXXX response letter dated XX/XX/year>, indicating the account 's closure and credit balance refund. 

Correspondence with XXXX, XXXX, and Experian showing their removal of the account. 

Documentation confirming my account with XXXX XXXX was in good standing, with no late payments. 


Request for Action : I request the CFPB investigate the CRAs for the following violations : 1. Failing to report my credit information accurately, as required under 15 U.S.C. 1681a. 


2. Failing to conduct proper reinvestigations of my disputes, as outlined in 15 U.S.C. 1681i.

I also request that my credit report be corrected to reflect the accurate and consistent reporting of my XXXX XXXX account. 

Thank you for your attention to this matter. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

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

On XX/XX/year> around XXXX pm unknowingly to me, an unknown XXXX party perpetrator watched me enter my cellphone password to open my phone. That third party perpetrator then stole my phone and transferred XXXX, ( presumably themselves ) {$1000.00} via XXXX. When I realized my phone was stolen I called Wells Fargo at XXXX ( I have record of the call log from my friends phone ). I spoke with an agent for XXXX minutes and they assured me no charges had gone through and they would shut down my account. On XX/XX/XXXX when I got my new phone, I was able to log into Wells Fargo. This didn't make sense because my account was supposed to be shut down. I immediately called Wells Fargo when I noticed a transaction of {$1000.00} via XXXX to XXXX. The reported having no evidence I called to shut down my account and thus it wasn't shut down. 

They have denied my fraud claim at least 3 times at this point stating I have not provided sufficient evidence of fraud. I have provided everything I can. If they would be willing to look into call logs and listen to my call from XX/XX/XXXX they would hear me reporting the fraud and subsequently being told no transactions/fraud had occured and they would shut down/put a hold on my account. If the agent would have done his job correctly none of this would have occured. As a consumer I did my part. Wells Fargo has not done theirs. 
I have been a Wells Fargo customer for 31 years. 

All of the below has been provided to Wells Fargo and I will add to attachments here : - I have attached the police report - I provided a picture of the call from my friends phone ( XXXX ) to wells fargo XXXX at XXXX reporting the theft that lasted XXXX minutes. 
XXXX provided a call log history that shows I didn't have access to my phone because it was stolen and last used the evening of XX/XX/XXXX before the theft and next used XX/XX/XXXX when it was replaced. 
-Email correspondence from Assurion insurance that my phone was reported stolen on XX/XX/XXXX and a new one was ordered. 
-Screen shots of the my old IMEI number and new one. Proving I had to buy a new phone. 
Sincerely, XXXX XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report.I never had a contract with this debt collector for any debt. I have requested that they provide the master purchase agreement and the forward flow agreement to show full ownership of such account and also so i may review to see if this is actually an account that belongs to me! This company has not provided me with that information they instead they uploaded a XXXX letter and credit card statements THOSE ARE NOT THE PURCHASE AGREEMENT!! The purchase agreement has not been shown to me so midland credit management can not prove they legally own and can collect on this debt. 
THIS NEEDS TO BE DELTED FROM MY CREDIT REPORT ASAP!
Product: Checking or savings account

XXXX XXXX My husband XXXX deposited was depositing {$1900.00} into the drive through the ATM into our joint account around XXXX XXXX. {$1000.00} was put into when the ATM glitched and shut down and restarted. Once restored the ATM did not print a receipt, return the money, or post the money to the account. He then went to the walk up ATM at the same location and deposited the remaining {$840.00} that did post to the account. He left came home and got me and we returned to the bank which was closed so we checked the ATM to see if there was a service number and there was not. XX/XX/XXXX XXXX went to the bank to file a claim and was told I would have to file the claim as the card he used to make the deposit was in my name. XX/XX/XXXX| filed a claim via telephone. The {$1000.00} was put into the account a few days later. Then XX/XX/XXXX {$1000.00} was removed from my account and when I inquired as to why I was told that the investigation concluded that only {$20.00} was deposited in the ATM which is absurd. I then reached out to the XXXX XXXX XXXX via email to explain the issue and was redirected to the investigation department in which XXXX XXXX responded. The claim was reopened and again denied. On XX/XX/XXXX I spoke with XXXX XXXX Regions Branch Manager and she was unclear that it was my husband that made the deposit and not myself. After clarifying this information she relied the information to the fraud department. 
XX/XX/XXXX I spoke to XXXX XXXX for an update on the status of the claim and she had no update and stated that only {$20.00} was deposited. She told me they saw my husband come to the ATM and deposit money then go to the walk ATM and deposit the {$840.00} and they could see where he left and came back to the drive through which is when we were looking for a service number. I asked if I could see the video tape and was told I would need an attorney. I am sure the Video would show that more than {$20.00} was put into the machine and prove that more than {$20.00} is owed to us. I have been banking with regions for 12 years now and never had an issue of this sort.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$270.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Balance {$720.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$26000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$360.00} Open Date XX/XX/XXXX XXXX XXXX {$1400.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$800.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$760.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX
Product: Mortgage

I currently have a mortgage with Bank of America, which includes PMI ... my loan balance it's already below 80 % LTV, which makes it eligible to remove the PMI, but Bank of America refuses to remove the PMI
Product: Credit card or prepaid card

In early XXXX, my Comenity/BJs XXXX XXXX credit card was charged a {$50.00} fee for automatic membership renewal, which I did not want and had not agreed to. I visited BJs as soon as possible ( I was away XXXX XXXX until late XXXX ) and the customer service agent refunded the {$50.00} fee in cash. By then, Comenity/BJs had already added a late fee. I returned to BJs in early XXXX to have them correct this and was told that BJs would remove the renewal fee from the credit card and I was assured that Comenity would remove the late fee. Neither is the truth. I have contacted Comenity twice, to no avail, and now the balance is up to {$150.00}. The only progress I have made is to manage to close the credit card, but the late fees keep piling up. I recently regrettably on XX/XX/2022 sent Comenity a check for {$59.00} to cover the {$50.00} initial membership fee which BJs reimbursed, and {$9.00} for a late fee. I am concerned about the negative impact on my excellent credit record which would be a result of an action not initiated and not wanted ( automatic membership renewal ) by me. Please help!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. In my research on how to remove fraudulent inquiries from my report, I discovered the necessity to visit the FEDERAL TRADE COMMISSION or https : XXXX to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Attached are documents to facilitate the blocking of erroneous information currently posted on my report. The following inquiries, which do not belong to me or were opened without my permission, require your attention : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in the file of a consumer identified as resulting from alleged identity theft, not later than four business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the dates XXXX, and XX/XX/2022 as shown on my XXXX, Experian, and XXXX credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXXXXXX XXXX XXXX has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.
Product: Credit card or prepaid card

I have finished writing my complaint against NFCU denying my dispute claim. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX  XXXX, XXXX XXXX I have already downloaded / attached 40 documents I got cut off. My NFCU XXXX XXXX XXXX was lost 2 days ago, and requested a new card thru the NFCU Branch in XXXX. XXXX, VA .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX. I was in a XXXX  XXXX situation and had to abruptly relocate. The account was closed in XX/XX/XXXX. It shows I owed {$700.00}. On my credit report, it is showing that I opened the account in XX/XX/XXXX with CBS Collections. I have never opened an account with this company. I have disputed this and asked that they please report that this account was opened over 5 years ago, but it shows that the account is accurate. They are reporting monthly on my credit report. I do not even acknowledge this debt with the apartments. This has severely interrupted my life as it impacts my ability to secure housing in my name. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

the account was paid off in XX/XX/2018, they said I was behind in XX/XX/XXXX and XX/XX/2018, ( see Complaint XXXX ). the Bad mark on Credit score came after I filed the Complaint with you, so I feel it is Retaliation for filing. At the time of Filing the afore mentioned complaint, they owed me, not the other way around.

I got finally paid by them, and they sent me an email with a XXXX Balance, but they have been harassing me since. I now get emails saying I owe them 50+ dollars, and today I got one saying that they are going to write a Charge off if I don't pay it.

I know I owe them Nothing, have Owed them Nothing since XX/XX/2018, and Account was closed before that, so there is no way I can charge more to the account.

I want their Harassment Stopped, my credit report set correct, and XXXX  for their continued Harassment.

I have XXXX, so this is causing more issues than the normal person needs to Handle, and making me take more meds than usual.
Product: Debt collection

This Debt collector engaged in abusive deceptive and unfair practices of the FDCPA which XXXX 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 didn't participate in any of it. More so they didn't follow the 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly violated my rights
Product: Credit reporting or other personal consumer reports

Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time
Product: Payday loan, title loan, or personal loan

I took a {$800.00} loan out on XXXX XXXX. I was not informed of the 523 % interest rate and I was told there was only a monthly payment of {$180.00} come to find out its bi weekly. I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.