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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Re : Complaint U S BANK - Case # XXXX I received the response of the US BANK thru mail. 
It is worth noting about the CHANGES made in my MOBILE BANKING Statement of XX/XX/2017 after I called US bank Customer Service that I reported the Case / issue above to the Media. 
Before calling US BANK Customer Service I communicated to the US Bank Manager XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX,  CA and CONFIRMED that the MONEY in Dispute was NOT Yet credited to my account. 
Both of us went to the XX/XX/2017 Bank statements and had the same Verdict NOT YET CREDITED ... 
I was told by the US BANK Customer Service to speak again with the Manager because he will talk to him ... 
So I did and after XXXX XXXX had LUNCH on the same day ( above ) I spoke with US BANK Manager and Customer Service and got all my 2017 bank statements printed out. 
The demeanor, facial expression and tone of voice of the US Bank XXXX XXXX XXXX had changed .... mad and somewhat under pressure. 
Then he ( manager ) gave me the CHANGED VERSION of the XX/XX/2017 Bank Statements and said, ACCORDING TO THEM THEY ALREADY GAVE BACK THE MONEY.,,, I Stated, BUT YOU AND ME KNEW PRETTY WELL THEY DI D NOT. 
The people in this mentioned above location were friendly, goes to extra mile to help and honest ... the dilemma in this predicament started at their own FRAUDELIENT TEAM and Customer Service. 
Before the issue reached the US bank President, the problem had has already been GREATLY MODIFED to Cover the Tracts.
Product: Debt collection

I was 6 months late with XXXX Wells Fargo credit cards. I was contacted once from Wells Fargo in regards to payment due. I was taking care of my XXXX father and neglected those cards.He passed and now I 'm being threatened to be sued by a law firm. I have made 2 payments, 2 months in a row on both of my credit accounts online. These accounts are still open, but I 'm being sued? Law firm says they will put a lean on my home too, but that I can pay them directly and they pay Wells Fargo? I 'm trying to catch up on my accounts to avoid suit. Can they sue me while Wells Fargo still accepts my payments online with what seems to be an open account?
Product: Debt collection

On XX/XX/XXXX we purchased a timeshare with XXXX XXXX. XXXX XXXX gave us a credit card with a credit limit of {$1600.00}. I never activated the credit card neither I used it. It took a year of dispute dispute with XXXX to cacelled the contract. 

I XX/XX/XXXX, I sent a written letter to XXXX XXXX requesting a credit on the amount of {$1600.00}. The company requested proved of the cancelled contract from XXXX which I did, however on XX/XX/XXXX I received a letter from XXXX XXXX stating that they were unable to issue a credit on my behalf.
Product: Credit reporting

I have noticed some loan companies on my credit report and hard credit. I would like to get these off of my credit history because i have not signed up for no loans and wo n't because i know what they do to my credit report and i have a poor credit rating as it is. I am trying to bring my credit up to good not bad. the ones on the hard credit are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that appears to be associated with Midland Credit Management. After reviewing my credit report, I noticed TWO entries from Midland Credit Management, which I believe to be inaccurate and unjustified. The entries in question have the same account numbers, reporting TWICE. Acct # XXXX with 2 different $ amounts that are similar.

I want to make it clear that I have no contractual agreement or any business relationship with Midland Credit Management. I have never entered into any agreement, contract, or transaction with them, nor have I received any services or goods from them. As such, I dispute any claim of debt owed to Midland Credit Management. 

According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in consumers ' credit reports. Since I have no contractual obligation with Midland Credit Management, and have received no proof of ownership, including any documents with my signature, I request that these entries be promptly removed from my credit report. 

I kindly request that you update my credit reports with XXXX, XXXX and XXXX accordingly.
Product: Mortgage

WELLS FARGO home mortgage did not pay my school tax bill as required by law since my mortgage is escrowed. Now, seeing their mistake, they want to take this tax out of my current escrow balance after already giving me an escrow refund as required by law. That money is gone. Now, once they take the money out of my current escrow it will cause a shortage in my account for this year 's taxes. I need help.
Product: Debt collection

On  XXXX / XXXX /   17  I spoke with a representative of the company who would not provide their name upon request. I simply asked to not be contacted as the debt in question is time barred and out of statute. The representative would not provide their name and indicated they would only honor a cease and desist request in writing. Upon my repeated requests to have my account marked cease and desist the representative transferred me to a supervisor. Upon speaking with the supervisor I was advised that the debt is indeed out of statute but that my verbal cease and desist request was insufficient and I would need to submit the same in writing. Additionally all other inquiries I made were met with a response that I can check online resources.     Prior communication had resulted in a hostile phone conversation wherein the representative refused to provide his name as well and became aggressive upon my advisement that I would be terminating the call.
Product: Student loan

I applied for an income-driven repayment plan ( XXXX, now the XXXX plan ) in XX/XX/XXXX, received approval, and that repayment plan was assigned to all of my loans. Then, several months ago, my loans were transferred from XXXX to Mohela, and my IDR was only applied to half of my loans, with the other half set up with the traditional payment plan. I contacted customer support on XX/XX/XXXX ( which was an incredibly frustrating and time-consuming experience ) and was told I had to reapply for the XXXX plan, which I did over the phone even though my repayment plan shouldnt have changed when my loans were transferred, per information on the Department of Education XXXX XXXX I was told I would receive a response to the application within 14 days. I again inquired as to why I had to reapply for my repayment plan of choice, and I was transferred to a different representative who stated they revert all loans to the traditional plan following loan servicer transfer to give borrowers the option to choose a different plan. Again, this is not the way loan servicer transfers should be handled per the DOEd. As of today, I have received no response regarding my repeat application for the XXXX ( formerly REPAYE ) plan but have received a bill for {$2300.00} due on XX/XX/XXXX. This is more than my monthly income, and I cant afford to pay it ( which is why I applied for the XXXX plan ). I need the correct repayment plan set up for my account and am unable to get Mohela to correct this error. Now I have to decide whether to overdraw my account or be delinquent on my loans. Mismanagement of student loans to this extent should be criminal, and there needs to be a formal investigation into Mohela business practices.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED THE XXXXXXXX XXXX XXXX XXXX AND THEY HAVE INFORMED ME THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS OR XXXX. XXXX OR ANY OTHER DATA BASE COMPANY DOES NOT HAVE MY PERMISSION TO REPORT ANY INFORMATION ON MY BEHALF. PLEASE REMOVE THE FRAUDULENT ACCOUNTS THATS LISTED IN THIS REPORT
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] reported on XX/XX/XXXX and then it says i opened this account XX/XX/XXXX XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ Plaza Services ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ Plaza Services ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says collections every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is closed and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting.

US DEPT ED Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' DEPT OF ED/ NELNET is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DEPT OF ED/ NELNET the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, DEPT OF ED/ NELNET whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX. 

On XX/XX/2019 I made a payment on time for the amount of {$100.00}. This payment was paid on time as agreed. 

On XX/XX/2019 I made another payment of {$870.00} in an attempt to increase my credit score and lower my account balances. As I am trying to obtain a mortgage. I received confirmation both payments were made and taken from my XXXX XXXX account. 

On XX/XX/2019 I was notified via XXXX XXXX of a over 30 day late payment on this account. Having realized this was an error and the payment was made as agreed, I called and thought this to be easily corrected as an error. Instead, I was told they have no method to correct errors reported and I would need to dispute the error. I explained I needed this corrected now as it will effect my mortgage. Instead, I was told that an error occurred and they could not identify the error but there system did not take the payment as I was advised and that because of this unknown error they would waive the late fee and take a phone payment at no cost for the trouble. I said, I could care less about the offer I wanted to make the payment and have my credit reporting error corrected. I was told they could not remedy the error as it was unlawful to change the report. 

I have made the payment in good faith. The payment was not returned from my error or NSF. It just did not go through. No one ever called or emailed me to advise the payment was late or did not process. Instead without me being told they took the credit of my payment away and did not bother to send me certified mail, email or call me. I had to contact them after being notified via XXXX XXXX.
Product: Consumer Loan

On XXXX/XXXX/16 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. They had to adjust the selling price to get us approved by the bank at the lower rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX.
Product: Checking or savings account

I had an account with Bank of America for the last 3 years from XXXX  to XX/XX/XXXXXXXX  I started to see issues with my transactions and overdraft fees in early XX/XX/XXXXXXXX  it would be minor at first {$35.00} for every over draft then it would continue to be bigger amounts and then they would deposit money back in, me believing my account was back positive I would spend those funds then the next business day they would send my account back into negative even more with added on overdraft fees this happened in XXXX XXXX XXXX XXXX XXXX XXXX. They closed my account on XX/XX/XXXXXXXX  after my account went negative from a faulty check they deposited into my account sending me into XXXX  in the negative and added on overdraft fees. This added to a crucial hardship on my life my car was repossessed, I had no funds to feed or help my family and no transportation to get to work.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I contacted both TransUnion and XXXX by phone to remove inaccurate & non approved hard inquiries as well as inaccurate information & addresses. Both companies refused to investigate, Validate or remove these inaccurate items.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

This is regarding Barclays XXXX credit card program. My case # is XXXX XXXX XXXX XXXX. 
I try to redeem part of my points saved for travel credit on XXXX XXXX at XXXX. I clicked the statement credit tab by mistake. Instead of going to the travel credit page, it leads me to a balance page with a " continue '' tab. I clicked and suddenly they redeemed my whole XXXX XXXX miles saved over the last 10 years. 
I called immediately to credit card customer service within XXXX minutes of this website navigation error. I was told that this can not be reversed. 
They claim it is policy guidelines and refused to correct it. I saved this over 10 years and lost it within XXXX minutes! 
Apparently statement credit ( which is redeemed like cash ) is XXXX the benefit of travel credits ( Statement credit is {$0.00} for each $ while travel credits is XXXX point for each $ ). If you have XXXX points, statement credit gives you {$50.00} against your current credit card balance whereas travel credits will give you {$100.00} against your travel ticket bought on the credit card. 
This is not even a merchant transaction on the credit card. Even if I purchase something by accident, most merchants will honor reversal within XXXX hours. This is only less than XXXX minutes when I ask for reversal. 
The credit card company is being totally unfair.