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

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and we have a issue once again you people there have let the criminals into my credit again and I am very upset as I was born XXXX XXXX XXXX on XX/XX/year> to my parents XXXX XXXX XXXX XXXX XXXX and either these names are common or there is some Tom foolery here Im sure that there is not another XXXX XXXX who just happens to have a maiden name of XXXX like my mother any who I have attached my birth certificate my ssn my DL my bank statement and my cc bill to prove my name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can also send in transcripts from my high school and college as well as tax documents and business licenses I can also send in my childrens birth certificates which will show me as the mother so I dont know what else to tell you I am the real XXXX XXXX XXXX have addressed this before set my fraud alert and credit freezes but yet still once again you erase me and give the imposter access to my credit so I need this corrected asap and I need this file to be locked tight and no more imposters gaining access Im afraid that your company is going to let these people take control of my finances please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX Acct # XXXX on XXXX by sending them a XXXX Validation letter. They never responded. On XXXX I also sent XXXX an letter to Verify the XXXX XXXX XXXX account. XXXX XXXX XXXX verified with XXXX but not with me. XXXX did not post on my credit report that I had disputed the account. XXXX should not have been able to verify an account that I was disputing with the creditor. I sent another letter to XXXX  on XXXX asking for verification of account and said XXXX  had removed the account. I sent a letter on XXXX to XXXX  stating that the Date of Last active with XXXX  and Trans Union were not the same. Keep in mind I still have not heard from XXXX XXXX XXXX yet for verification of debt. On XXXX I sent XXXX  a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what Trans Union and XXXX were posting. On XXXX I filed a complaint against XXXX with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified XXXX XXXX XXXX a Debt Validation Letter. No response so far and they have not contacted XXXX  that I am disputing them. my Credit report does not reflect it either. Also XXXX  contacted XXXX XXXX XXXX once again during this Dispute and XXXX Verified the debt knowing I was disputing the debt. They reported the debt as valid to XXXX and XXXX posted on XXXX that XXXX XXXX XXXX Certified that the information was accurate. I still have not heard from XXXX XXXX management about my dispute letters at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Date Opened : Jan 2021 15 U.S.C 1681section 602 A. States that I have the right to privacy.

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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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: Credit reporting or other personal consumer reports

: Dispute Request for XXXX of XXXX XXXX Account # XXXX on my Experian credit report.

To Whom It May Concern, I am formally requesting an investigation into the accuracy of the information reported on my credit file regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. This account is currently listed as a charge-off, and while I understand that charge-off accounts can remain on a credit report for up to seven years, it is still required by law to be reported accurately and verifiably under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

I have attached the following documents to support my dispute : A copy of my credit report from IdentityIQ, highlighting the discrepancies in how this account is being reported. 
A copy of my proof of identity, including [ list the specific documents, e.g., a government-issued ID and a utility bill ]. 

Please conduct a thorough investigation to verify the accuracy of this account with the original creditor. If any details are found to be inaccurate, incomplete, or unverifiable, I request that they be corrected or removed from my credit report as required by law. 

As outlined in the FCRA, this dispute must be resolved within 30 days of receipt. If the disputed information can not be verified within this timeframe, you are legally required to delete it from my credit report. 

Please provide me with a written response detailing the outcome of your investigation and supply an updated copy of my credit report if any changes are made. I appreciate your prompt attention to this matter.
Product: Bank account or service

Several months back, I was told by a banker at Wells Fargo that I could sign up for " overdraft protection '' by having my savings account tied to my checking. I was told that if I ever overdrew my checking account, that the funds would be automatically transferred from my savings. I have recently closed the savings account, due to loss of income, and reviewed my checking and savings history over the last few months. I noticed several {$12.00} charges for each automatic transfer from my savings to my checking. I was not informed of these charges when I agreed to the option. Had I been aware of the charges, I never would have agreed since I can transfer the funds myself online for free. I attempted to contact Wellls Fargo, explain the issue, and request a refund. I was told by the operator that they always tell people about the fees associated with these transfers, and that they will not refund the money. The most they could offer was a flat {$37.00} for the inconvenience. I explained to the operator that any fees associated with an account service have to be disclosed beforehand. I also requested that they review the call log to verify that I was not informed of the fee ; He refused. Wells Fargo should not call these types of programs " overdraft protection '' without disclosing the fees. It misleads consumers to think they are " protected '' from those fees when they sign up.
Product: Debt collection

They keep calling me from random numbers. They have my address and this happened over 9 years ago. This is harassment for sure. Then some lady called to verify my address, like they were gon na come get me or something
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND SOME INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Ive requested Student loan payment refund through Nelnet since XX/XX/2023. Loan balances were added back to my account in early XX/XX/2023 and was promised to see a check within 2-3 weeks. However, since then I still havent received a check and was trying to call Nelnet periodically but was told the request was still being processed. 
This is extremely frustrated because the payment is about to restart and I have to pay for the interest for the balances reinstated in my account. I still dont have the check in hand.
Product: Credit reporting, credit repair services, 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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXXXXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise.

I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Checking or savings account

I have sent money {$180.00} at XX/XX/2020 through the application XXXX XXXX XXXXXXXX Transaction number : XXXX Money was withdrawn from the account of Capital One Bank. The recipient turned out to be a fraud, took my money and disappeared and now I can not get my money back. The bank opened the case and declined it, as the money was sent through the application XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to link my card to my XXXX XXXX and it told me my bank made changes to my bank that prevents me from doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had some late payment on out account due to the XXXX XXXX Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 4.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inaccurate addresses are reporting on my credit report. I have provided Equifax and XXXX proof of my identity multiple times and proof of residency and they continue to falsely report this information! I have called multiple times to Equifax and XXXX and representatives have been rude. I've been hung up on a few times as well. I've tried escalating the call and waited for a Supervisor for over a hour. Reps have told me fraud happens to everyone and to deal with it.They have changed the dates several times showing current status for inaccurate addresses and put my current residency as former which is clearly inaccurate. They have added so many wrong addresses that Clearly they have mixed up my information with someone else! I have asked them to validate this information and they have not been able to do that! I have been denied credit because of inaccurate information reporting. I have sent both bureaus certified/notarized documents on multiple occasions and its hard to keep up with this extra expense. I disputed this information XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inaccurate information still reporting as of XX/XX/XXXX.
Product: Debt collection

I have no knowledge of this account with this company as I have not signed any agreement for a product or services rendered from them.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report.
Product: Credit card or prepaid card

I am having problems specifically with 2 banks- XXXX XXXX and Chase. Both represent that you can dispute a charge or transaction online although neither of them actually allow you to do that. Chase used to allow you to dispute a charge online and submit your dispute electronically. Now, they require that you call, and every time you call, you get the outgoing message, " due to the unusually high call volume, expect wait times in excess of 1 hour '' or whatever the message says that tells you you are going to wait a long time. I have tried multiple times to get through to someone and can not reach someone to dispute a charge. I feel as though Chase is doing this to purposely make it harder for people to dispute charges on their bills. 

Same thing with XXXX XXXX. They offer you the option to dispute a charge online but you go through the whole online process of providing information about the charge only to be prompted to call the 800 number which you end up having to wait on line forever to get a hold of someone. 

In both instances, trying to dispute a simple overcharge ends up taking hours. I feel as though both Chase and XXXX XXXX misrepresented themselves telling me that you can dispute a charge online and then making me call and wait hours to dispute a charge. I think the goal is to discourage people from disputing charges by making it so difficult and time consuming to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Sheffield Financial, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Equifax data breach. The breach lasted from XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 
I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding several items on my credit report that I have previously disputed. Despite my efforts to rectify these inaccuracies, my disputes seem to have been ignored. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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: Money transfer, virtual currency, or money service

Sent {$75.00} to XXXX XXXX via XXXX for tickets. Did not receive tickets and scammer stopped responding on XXXX. Contacted PNC, was ensured I would receive funds back should the transaction post. Transaction posted and I contacted PNC a second time to dispute. Was informed they would not dispute a XXXX transaction and that a manager would reach out. Manager informed me of the same and did not provide any recourse.
Product: Debt collection

I am filing this complaint to report issues with an account managed by XXXX XXXX XXXX, originally credited to XXXX XXXX XXXX XXXX. Significant discrepancies have been noted in the account 's balance and collection practices, which I believe XXXX violate fair debt collection laws. 

Details of the Complaint : Date Account Opened : XX/XX/XXXX Original Balance : Approximately {$1500.00} Current Reported Balance : Approximately {$160000.00} Date of Last Payment : XX/XX/XXXX Reported Past Due Amount : Approximately {$1600.00} as of XX/XX/XXXX Concerns Raised : Exorbitant Balance Increase : The balance escalated from around {$1500.00} to over {$160000.00} without any transparent explanation or detailed breakdown of charges. 
XXXX Issues : Attempts to clarify these charges with the collection agency have been unsuccessful, with insufficient responses to inquiries about the drastic increase. 
Documentation Requests Ignored : Requests for a detailed statement and itemization of all charges, fees, and payments have been consistently overlooked or inadequately addressed.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. Thank you. 
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: Credit reporting, credit repair services, or other personal consumer reports

I Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company XXXX XXXX  has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.