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

In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. 

Roughly 5 months later I received notice for the first time from Nationwide that there was a balance due on the loan previously protected in the Chapter XXXX filing. 

Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. Nationwide reversed this " cram down '' after my Bankruptcy dismissed. 

Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. 

After doing so, Nationwide has consistently reported erroneous information on my credit reports. 

Currently, on my XXXX  report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

This account was settled and legally paid in full in XX/XX/XXXX. 

I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by Nationwide on my credit report. I became aware of the debt in XXXX of XXXX and immediately settled it once I became aware that it was due. 

For the past two years I have gone back and forth with Nationwide disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit.
Product: Credit card or prepaid card

Traveled to XXXX XXXX XXXX in XXXX, XXXX and was approached by a gentleman selling liquor. I was interested in purchasing some liquor to bring back home to Texas. When it was time to charge my credit card I was verbally told the amount would be XXXX XXXXXXXX XXXX. The cashier tried swiping my credit card multiple times and I was told the card was being rejected. Something felt off about the situation as I am usually alerted by my bank if any fraud charges are being attempted but this time I was not called or sent a text message by my bank. Not sure if it was because I was out of the country or not but it did not sit well with me. As I was going to decline purchasing, a man from the store ran around the corner of the block and brought another terminal to swipe my card. The charge went through and I signed off on the receipt to take the liquor I purchased. The actual charge was not what I was told, instead it was XXXX XXXXXXXX XXXX. I tried to dispute this fraudulent charge scenario with my bank but they did not issue my money back. The customer is clearly taking advantage of people by psychologically tricking them to " ignore '' the actual amount when it is time to sign off on the receipt of the purchase. This is not acceptable and I should be reimbursed my money.
Product: Credit reporting or other personal consumer reports

This has been an on going thing, they couldnt provide method of verification also was deleted in XXXX of 2024 and not its still showing up falsifying info
Product: Mortgage

We have been trying to work with Freedom Mortgage for almost a year now. We got a little behind and after that we got to a point where the company wouldn't allow until to make a payment and we hired a company called the XXXX XXXX to help us they didn't help us at all. We have children age XXXX and XXXX we have memories and want to keep our home. We have done everything we know to do do. Can you please help us. We submitted everything Freedom Mortgage requested and it seems like the information would time out and then they would request more since XXXX of XXXX  and now we are in XXXX and basically about to be homeless. At one point in this process we did refinancing and because the notary didn't sign her middle initial that caused alot of issues. We just want to be able to resume payments and keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 closed Fed Loan student loans that originate as far back as XXXX. Starting in XXXX, I have attempted to have Fed Loan correct missing data on ALL loans and they have refused to do so. Each letter or email reply has indicated that they found no errors and that the " customer disputes the findings ''. 

In reviewing all three Bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX, I observed that all 12 accounts still have errors. The combined number of months of non-reported data, in between reported months of activity, exceeds 250 plus months. This directly affects, negatively, my credit report as the percentage of account months paid on time are inaccurate. 

These loans are all paid off by way of consolidation. In addition to lacking accurate and complete monthly reporting data, which is mandated by the FCRA, the account numbers are incomplete, the status is inaccurate and the age of some accounts exceed the reporting period. 

The FCRA allows for a penalty of up to {$1000.00} per incident for failing to properly and accurately report on a credit report. I have been unable to obtain financing, lower insurance costs and a litany of other penalties as a result of Fed Loans illegal and incompetent actions. 

I filed a complaint with the XXXX, but was advised that due to the type of creditor Fed Loans is, I was to file my complaint here.
Product: Debt collection

I can't dispute anything through XXXX it's telling me my information is not right even though I know for a fact I've answered everything correctly. I believe there is information on my report that's incorrect and it's not going to let me log in. Amount on one creditor keeps increasing every month even though it is in collections
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX  XXXX XXXX XXXX ...., XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses. and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to my credit standing, mental health, and opportunities to improve my life. I am requesting immediate corrective action to remove or amend disputed account, as Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it 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 NEEDS TO BE DELETED FROM MY CREDIT REPORT. I HAVE ATTACHED A LETTER FROM XXXX XXXX STATING THIS ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORTING. XXXX AND XXXX HAS SUCCESSFULLY REMOVED THE ACCOUNT. EQUIFAX HAS YET TO DO THEIR DUE DILIGENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY for committing identity theft. I have never given AD ASTRA RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me Or furnishing items to my consumer report about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from AD ASTRA RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTA RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

The Listed Account XXXX Account Number XXXX Appearing On My FICO CREDIT REPORT Was Not Opened Or Initiated Ir Made By Me This Account Is The Result Of Identity Theft See The Attached Copy From The FTC IDENTITY CRIMINAL COMPLAINT # XXXX
Product: Money transfer, virtual currency, or money service

All of my recent XXXX transfers are being denied ( " flagged fraudulent '' ) and I am unable to complete any transfers - even simple transfers to my wife 's bank account - and I am being told by Navy Federal Credit Union ( NFCU ) that there is nothing they can do about it. They won't even tell me why the transactions are being flagged and say they " can't override '' it to unflag - but someone can. All of my transactions are within NFCU 's XXXX limits etc. XXXX is referring me to NFCU to resolve the issue but NFCU is not doing anything about it. I am stuck. I have also tried to send to other bank accounts other than my wife 's - including some of my own bank accounts that I have XXXX on - and those transfers are also being rejected. XXXX transactions are covered by the Electronic Funds Transfer Act ( EFTA ) and Regulation E. I have been an NFCU customer for more than 25 years. Please help
Product: Debt collection

I have spoken with Harris & Harris and they assured me they would stop attempting to call me regarding medical debt that I have disputed. In spite of that, they are now calling me at my place of employment. I want this harassment stopped immediately and a copy of this complaint is being filed with my attorney for possible litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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: Consumer Loan

They continue to double charge me, and every month I have to go in and get it fixed. The manager is completely rude and unprofessional. It feels like they are trying to cheat me by sneaking in extra payments that I do n't owe.
Product: Prepaid card

My son received a Vanilla gift card for his birthday on XX/XX/23 with a balance of {$30.00}. 
We went to go use it on XX/XX/23 at an online retailer XXXX The charge was declined for insufficient balance. 
I used a tool to check the balance a the Vanillagift.com website. There was a charge for {$23.00} at a XXXX location hundreds of miles from our house on XX/XX/23. The card has never left our possession. 
The website directed me to call their customer support number. 
I tried calling on XX/XX/23 to dispute the transaction. I've been connected to silence and not able to get a hold of the operator.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX.
Product: Credit card

On XXXX XXXX my bank made an electronic payment of the entire amount due. On my XXXX statement, ONCE AGAIN, the payment has not been applied. But late fees and interest have been. MARCUS NEEDS TO SOLVE THEIR PROBLEMS ALREADY! This is not acceptable.
Product: Debt collection

I had a XXXX  financed through BMW Financial Services and for some reason on my Credit Report it states " Balance Owing. '' I always have paid my bills on time with BMW. I am requesting that they as a good will gesture change their reporting to XXXX   balance owing or simply respond to this complaint by giving me more information about this balance owing. I do not recall owing any money after turning this vehicle in. Please communicate in writing only no phone calls please.
Product: Payday loan, title loan, or personal loan

I wanted to pay off my line of credit in full I called Citizens Bank ask them what the payoff amount was they sent me a email and letter stating it was a certain amount up until XX/XX/XXXX I paid off the loan in full XX/XX/XXXX I have a cancelled check saying it was paid off on the XXXX when I was at my branch in XXXX I told them to cancel the auto-pay on the interest of the loan they told me I did not have to since the loan was paid in full well on XX/XX/XXXX they took out a {$510.00} interest only payment out of my account since then I've been fighting with them to give me my money back and so far I have not been able to
Product: Credit card or prepaid card

on XX/XX/XXXX I purchased a prepaid netspend card from XXXX XXXX. I loaded XXXX dollars onto the card and payed the XXXX for the activation fee separately. The card advertises that one can set up their account in 3 easy steps. After adding my ss # I was directed to customer service and asked to upload my documents. They wanted me to upload pictures of my drivers licence, s.s card and proof of address just to activate my card. I was told it would then take up to 14 business days to allow me to have full access. I told them thats ridiculous and why are they asking me to verify these things for a card not yet activated or attached to me at all whatsoever at that point. 
I felt they were trying to steal my identity using my money to do so. Eventually 3 days later I contacted a supervisor who told me she would just refund my {$300.00} minus a {$15.00} dollar fee for the refund. 
She said it would come to my address in a paper check. 
I verified my address and verbally gave my information over the phone. 
It matched up with my previous reported info they had in they're system. I was told just wait for it to come in the mail via ground shipping in just a few days. 

2 weeks later XX/XX/20 I called back to find out that the check was sent to an address that does not match mine and my name was mispelled as well. 
Again I was asked to upload my documents to have this issue fixed. 
After arguing for half the evening and repeating my issue to 4 different employee 's I was transfered to escalations where I could barely understand the employee through the obvious language barrie. 
I was told it would be fixed and I can call back for the update in 3 business days. Its again been weeks. Everyday is a struggle trying to get through to somone now. I can't get past the automated system to a live operator. The automated system requires me to enter my card # but my card was never activated therefore its not valid. The system automatically disconnects once my card number pings back invalid. On XX/XX/20 I was able to reach a supervisor for netspend who literally hung up on me when I asked why a financial institution would send my money to the wrong address and misspell my name when the very info required for verification is indeed correct in their system already on file from a previous prepaid netspend card! 

I have been scammed! I don't understand how this could happen after all these years and I purchased it at XXXX XXXX  grocery store!
Product: Payday loan, title loan, personal loan, or advance loan

I started receiving emails saying Lendumo has attempted to collect payment but it was return from your bank unpaid. This is probably because I never took a loan out with them!!! They say I owe over {$4300.00} in a {$800.00} loan that was taken out on XX/XX/year>. I went onto their website and put in the email address they sent the email demand too and pressed forgot password. It pulled up a loan document with an IP address under the online signature which is located in XXXX, Arizona. Ive never been to XXXX. I responded to their email with a Cease and Desist indicating this was fraud. The only response Ive received from them is another email stating they couldnt process the payment. I have proof ( via bank statement ) that I never received a {$800.00} loan through them on XX/XX/year> or any date even close to that. I filed a complaint with the Wisconsin XXXX XXXX XXXX  and also stated I would be filing this complaint.