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

Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was XXXX, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX XXXX, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.
Product: Debt collection

Caine & Weiner is attempting to collect a XXXX dollar debt that they are reporting to the credit reporting agencies that they are the original creditor. I am not aware of any alleged contract that I have with them. They are saying the account was opened on XXXX XXXX XXXX 
Remarks are showing that it was placed into collection but was never told who it was sold to. I believe this to be defaming my character and violating FCRA
Product: Debt collection

The Portfolio recovery debt collection is sending mail they will take legal action again me they continue to call me harassing me I have trued to dispute inaccurate balances with no luck. I need help
Product: Bank account or service

Harassment phone calls from Capital one Bank on XX/XX/2016 XXXX and XX/XX/2016 XXXX form number XXXX, XXXX. This bank already closed all my accounts without my consent since XX/XX/2016. Currently I have NO any banking relationship with this bank. Therefore I can not accept any harassment phone calls from this bank as the complaint filed before. By filing this complaint, I continue collect the debt from this bank who owed me the following debt : Customer never received {$9.00}. Customer also ask {$80000.00} plus 20 % interest, {$100.00} late fee each month for 36 months, {$150.00} travel expense, {$4800.00} personal time to collect funds, XXXX XXXX. 
Theft XXXX should go to jail 20 years for stealing funds, stealing bank statement, close account, change address etc. without account holder 's consent. 
Capital One also owe me {$35.00} cash bonus plus some other promotional bonus {$1400.00}.
Product: Credit reporting or other personal consumer reports

n 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 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXX .... XXXX # XXXX .... XXXXXXXX  ... .. # XXXX .... XXXX .... # XXXX ... XXXX .... # XXXX... 
XXXXXXXX XXXX XXXX ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX ... # XXXX ... .. XXXXXXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX  .... # XXXX ... .. XXXXXXXX XXXX XXXXXXXX .... XXXX ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX XXXXXXXX XXXX. 15 u.s.c. 1681 section 602 A. State 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 an account without my written instructions..

15 u.s.c. 1681 C. ( 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 of crimes which antedates the report by more than seven years ... 15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$1600.00} Charge off, XXXX  XXXX Charge off {$1000.00} XXXX XXXX {$15000.00} Charge-off, and I did not receive a 1099c of any of this
Product: Credit card or prepaid card

Continued part 2 ( XXXX ) I received a letter from Synchrony bank letting me know they found missing payment of {$50.00} from XXXX and would post in XXXX. 
The original bill was {$230.00} a {$50.00} dollar inconvenience gift and a temporary credit of {$50.00}. When I looked I saw my bill was {$280.00} and I had not used card. What appears to have happened is the temporary {$50.00} dropped off but they did not apply the lost payment. 
1 ) I was told due to a credit of {$30.00} for late fee?? was posted twice 2 ) Then I was lied to by XXXX that they never received the check even though it is showing posted. She then in the same XXXX breath stated she would send the check ( that she never received ) back to me. 
A ) Is it applied or not? Why or Why not they have the money order they sent it back the first time. I sent it with attached documentation of where it should go. 
B ) After XXXX tells me she is going to send the money order back she then ask for a fax of stub?? this makes absolutely no sense.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit that should be closed because they were paid in full example my student loans. Then my history is 5 years I've owned my home for 20 years XX/XX/year>. I need to get things done around my home but can't because no one will give me a loan. I check my credit daily and I wrote the letters to the Credit Bureau I didn't send them off. I saw something that said the CFPB was handling experian, transunion, and XXXX because of fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a loan of {$940.00} on XX/XX/2023. Since then, I have paid amounts of {$270.00} every two weeks starting on XX/XX/2023-XX/XX/2023 ( a total of 9 payments equaling {$2400.00} ). At this point, I will never be able to pay off the less than {$1000.00} that I borrowed due to the extremely high interest. I feel as if I am being robbed all for {$940.00} that I needed to quickly put a first, last, security depodit, and broker 's fee for housing. I need this to stop.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I hired an Advisor to help with monetary investments. He suggested my XXXX money go into an annuity with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX, my XXXX money, with XXXX XXXX, was being moved to XXXX XXXX through JPMorgan Chase Bank. The money was split into 5 checks and 3 of the 5 checks sent out were intercepted, altered and cashed, for a total loss of {$39.00}, XXXX. Of that amount, I still have an outstanding loss of {$13000.00} ( one check ). 

XXXX fraud department has filed the appropriate legal documents and copies of altered checks with Chase Bank, which I do not have a copy of. Two of the stolen checks were altered by " XXXX XXXX XXXX '' ; check # XXXX and # XXXX. According to XXXX XXXX, the altered checks were very obvious and should have never gotten past cashier at Bank. Chase Bank has given back money for one of the " XXXX XXXX XXXX '' checks ( # XXXX ) but is not responding to approve payout of the other check ( # XXXX ). 

My last email communication was with XXXX on XX/XX/XXXX. The response I repeatedly get from XXXX is that the Fraud group will follow up with me once they have an update to share. 

It's been over 3 years and I've been more than patient. At this point, I ask my fraud case be expedited and money given back by Chase or XXXX.
Product: Checking or savings account

Bank of America erroneously put on my credit report that I owe them money which I don't their system is wrong. They refuse to speak to me about it. They refuse to answer my questions and they refuse to give me documentations that I ask for. They have acknowledge that the information is incorrect but they refuse to correct it. Again they refuse to send me the documentations I request on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Student loan

My name is XXXX XXXX POA of XXXX XXXX. He took first out this student loan and 6 weeks before graduation was given an ultimatum to leave the school due to his personal issues outside of school so he did not get to finish school or graduate this was in the late XX/XX/XXXX. 
His loan is with ( Great Lakes ) and I have spoke many times regarding payments and the situation in our financial situation when speaking with Great Lakes they gave me a 60 forbarence and removed any payments due. 
Suddenly they drafted my account {$170.00} and with drew their promise as well as raise the payments way from what we can afford. 
I was trying to pay {$44.00} at this time and current am going through XXXX treatments I am his wife XXXX. 
XXXX has lost hours at work with no 40 hour weeks our rent as well increased substantially I have sent a new IDR with all attached over the internet in Great Lakes web sight continually they are sending my emails regarding filing out this application And payment but this was in a forbarence at the time with no update to the change all of this happened suddenly I feel that this student loan first is out of XXXX statutes as well as XXXX not being able to finish his education the constant calls to Great Lakes to resolve this and tell them we cant make payments at this time. We are trying to avoid a garnishment but Great Lakes is not upstanding and follows through after making arrangements. 
I need someone to now intercede and help me first with harassing emails Will not communicate on phone threatening. This is unacceptable, There are many issues reviving this student loan and I would like to take action on getting justice for Great Lakes harassment and the student loan it self should be null and void my reason is the age of loan the reasons XXXX hadnt finished his education financial hardships And at time he was told to leave school he was jailed due to a felony and then in about patient program issued by the courts he has XXXX as he is XXXX   and XXXX and is working but not equipped to challenge this any longer
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Credit card is NOT reporting immediately the changes to my account when the XXXX is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, XXXX XXXX Credit card immediately reports the same to the Credit Bureaus. 

I tried calling the XXXX XXXX customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the XXXX  XXXX about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the XXXX  XXXX. I had recently disputed the account balance with XXXX vide request XXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with XXXX XXXX and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION. 

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 any 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 of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 of crimes which antedates the report by more than seven 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: Mortgage

The previous servicer ( XXXX XXXX & XXXX XXXX XXXX ) received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company on XX/XX/XXXX, the funds did not transfer with the loan. I have bee trying to get XXXX to send the funds to the new company for almost 2 months now. I called the XXXX today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there XXXX XXXX # XXXX confirmation # XXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and FC fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for 3 future months, use funds to cover my escrow shortage, then place remaining funds in unapplied. 

In additional, XXXX has legal fees and inspection fees when I was on the COVID-FB, then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact. I keep getting the run around. 

You all need to do your job and reach out to XXXX. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!?
Product: Checking or savings account

XX/XX/22, i called 5/3 bank 10 times called, they answered, then said " call center was closed '' but opened 24/7 they answered 2 times then they will send msg on phone " the office is closed '' but they answered. these ppl will not let me check account balance over the phone as ive done many times i do not want to use app ppl steal. these are ppl in XXXX  i just like to conduct business in usa, as my phi, and others things were breached. im filing another complaint as these ppl causing these problems never had problems with banks until these ppl XXXX are conducting business and stealing on top of it gov knows all going on and its allowedMortified!
Product: Debt collection

Medicredit Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX  XXXX, MO XXXX. Medcredit is in violation of 8 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a Medicredit Corporation may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation or implication that any individual is a lawyer. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to MEDICREDIT to release my information. Please provide a copy of my signature with the Medicredit to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. To account is paid in full. This corresponding was sent via certified mail.
Product: Debt collection

I received on [ XXXX XXXX the letter/call ]. 

15 USC 1618 Section 608 A States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Account Service : NavientAccount Name : XXXX XXXXAccount Number : XXXXAfter making on time payments for more than 4 years, this firm refuses to remove cosigners name from my account. Every time after my request to remove cosigners name, they have come up with some other excuse not to remove cosigners name. I have provided all kinds of documents to them, such as, copies of my graduation, pay stubs, XXXX 's, recent tax returns, citizenship papers. All those documents have been ignored. 
My cosigner is XXXX years of age and have no income.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue.