23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was scammed by someone on a website who sent me a check through email, I had thought I trusted this person judging that I talked to him over the phone and he reassured me so I tried cashing it through the banking app and I later found out it was fraud and got in trouble and I'M getting punished for something that was not my fault.
Product: Debt collection

I am disputing this alleged debt that is on my credit report. I have no knowledge of having a contract with this company. The credit bureau send dates but no signed copies of contracts or anything. Which is clearly not validation. In accordance with my rights under the Fair Debt Collection Practices Act I am hereby requesting that this collection agency provide formal validation of the alleged debt that they are reporting to the major credit reporting agencies on my behalf. In which I am not requesting a simple account summary.
Product: Checking or savings account

My Wells Fargo account was forcibly closed by them in XX/XX/2022. I contacted Wells Fargo on how I could receive my funds that were in the account as soon as it was closed. After a lot of back and forth I was told to send an account closure form via mail to Wells Fargo 's address. I sent them the account closure form ( which includes the wire transfer instructions ), they received it on XX/XX/2022. I still haven't received my funds from them and when I contact them they are not giving me clear answers. I'm at a point now where they are not even answering my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper is my mortgage holder. I recently inquired about a refinance with them. 
Yesterday I went to pay my normal monthly payment. There was a {$20.00} fee added to my payment amount. After talking to 3 people and being told someone would call me ( who didnt ) I have found out it was for a pay off quote that was generated by the lender I was working with re : refi. I want that removed because not only did no one inform me of It and that there was a fee but it was never brought up i.e. I wasnt informed what it was. 
In calling Mr. Cooper I have been told that it can not be taken off. 
How can that be? 
How can they charge someone for something they never knew about or were told would be charged to them. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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, ( Furnisher of information to credit agencies ) 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 unless 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 1681s2 ( A ) ( 1 ) A states " 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. 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 or other personal consumer reports

REMOVE FRAUD ACCOUNT AND INQUIRES SEE FTC REPORT
Product: Student loan

When I called Navient over a year ago about how to lower my loan payments and apply for loan forgiveness ( because I 've been a XXXX for over 10 years ), Navient 's agent admonished me and ridiculed me for the poor financial decision I made 15 years ago to consolidate my loans. The agent left me on the phone with discouragement and helplessness, and the implication that I should not pursue any financial relief from an overburdening student loan. I then come to learn from widely reported news accounts that Navient was directing students to more expensive financial loan alternatives instead of dealing in good faith. In the news accounts it said that " ... Navient employees, instead, should have steered borrowers to White House-promoted plans that could 've allowed XXXX interest payments based on earning and eventually debt forgiveness, officials said. '' This made me think that the reason the Navient agent left me unresolved was because I was already in a payment plan that they did not want me to change out of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

reference is made to CFPB complaints XXXX and XXXX, both of which assert The Work Number 's failure to provide a copy of my full-disclosure report and their repeated ongoing delay in sending my report to me. They keep asking for asking that has already been provided, namely documentation of my identity. In all requests, I have provided copies of my State ID that has my street address as well as my date of birth on it, a copy of my passport which confims the validity of the state id, a copy of my social security card which shows my full SSN, as well as a copy of a utility bill, which shows my mailing address and service address. Even in the above mentioned CFPB complaints, they, AGAIN, ask for ID that has already been provided. I will continue to file CFPB complaints, and send letters to the AG in their state and mine, until they comply with federal law and provide a copy of my full-disclosure report.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( XXXX  ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a NEW Complaint filed on XX/XX/2021. The information provided was unresponsive to my demands. The following statement was included in a previous response from Caine & Weiner the balance due is not owed to Caine & Weiner. The balance is owed to XXXX XXXX. Also quoted We have no information on file to contradict that the consumer made that payment to initiate coverage. This is not a confident response by any means, the debt collector clearly has no proof or even a general idea of the account in general. I respectfully request you Caine & Weiner return this account back to the original creditor immediately. This process has been very unprofessional & I will be looking to further escalate this process if we can not fix this problem. Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, or Copy of Florida State ID both are needed to obtain Florida car insurance.
Product: Debt collection

i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX re aged an account on my credit report illegally and I want it removed asap swiss colony re aged my account
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Student loan

My loans are reported as being in default. They were not. I've not worked since 2008. My loans were in deferment since then. I have no income, no assets, and am XXXX. I've already complained to everyone I can think of. I already complained to you and you did nothing. Why won't you help me?
Product: Credit reporting or other personal consumer reports

On my credit report shows that I was late on my XXXX XXXX account in XXXX, XXXX and XXXX of 2022. I was hospitalized during those 3 months because of XXXX. I also reported it to XXXX XXXX XXXX but they still reported it late. Because of the disaster assistance it should not show late on my credit reports. Please fix the issue and remove the lates and update my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX  my account was charged XXXX USD. 

I did not make this charge so I promptly called my XXXX technology company ( Chime XXXX XXXX ). 

They told me that I could either ( a ) contact the merchant or ( b ) wait for it to clear and file a dispute. At this time they were unable to provide information on the merchant and because I did not authorize the charge I did not know who the merchant was so i waited for it to clear. 

On the the XXXX the charge cleared and I reported as fraud orally ( on the phone, and filed a claim ). 

The claim was promptly denied on the XXXX. They did not tell me why and said that i could file an appeal ( rebuttal ) with supporting documentation. 

I did not have any info such as receipts because I did not make the charge. I requested the documents that they used in the denial as well as filing a cyber claims report with the FBI and sending the report to them. I was unable to file a local police report, because the local department required a current month statement and chime could not provide that to me. 

Chime did issue me a provincial credit on the XXXX after I had submitted the rebuttal. 

On the XXXX they sent me the documents they had used to deny the claim. 
These documents did not include some of the information required by regulation XXXX XXXX Including the type of transaction, name of financial institution that initiated the charge and the location of the terminal that the transaction was made at. 

The denial reason was that because I had used my card that day I was in possession of my card and no one else could of had access to my card information. 

They also made a false statement they stated I said a different card was used, When I had clearly stated that Someone else had made a transaction using my card information. These statements are not the same as the statement they use implies someone else had a different card and it charged my account and my statement implies that someone had access to my card information and used that information without my permission. 

I asked for clarification on the information not included in the report that is required by regulation E, They sent me the same exact documents that still did not include the information I requested. Such as the location of transaction, type of terminal used/ transaction ( Ie : atm, online POS, retail pos ) and the name of the financial institution that initiated the charge. 

This information is important for the claim for both parties as If the transaction was made online the person who mad the charge would not have needed my pin to make the charge and if it was done at a physical location i would be able to contact said location to verify who made the charge. Without this information how can one say that i made the charge.
Product: Credit reporting or other personal consumer reports

My credit card with XXXX XXXX is not being properly updated within the XXXX credit bureaus to display my credit limit increase. Every month this becomes a problem and Im unsure on what end to point the finger.
Product: Student loan

In XXXX i was granted a student loan and was paying on until i fell into a financial problem everytime i call to try to make payments nobody returns my calls.my taxes have been taken by salli mae since XXXX and they put my account at default.ive been trying since XXXX to amke payments to get it out of default and they are telling me i cant make payments but yet keep taking my tax returns.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I negotiated with Navient to get my loan payments in order. I have the text messages clearly showing the agreement from the XXXX that I agreed to make the payments we decided on through XXXX of XXXX and would call back in XXXX to re-apply for these monthly automated payments. We were making these payments with out an interruption. 

Then suddenly two weeks ago I got repeated calls from Navient telling me my payments had stopped and I was apparently having a problem paying. When I asked them to look through their records they could not identify why the payments had stopped. 

once again I RE- INSTITUTED the auto pay. By now my credit score had tanked. I asked Navient for the audio tapes from our conversations as all of these calls are recorded. They told me they would not give me the recordings. I am attaching the text documentations to see that I had agreed to the payments back in XXXX. There was something in their system that ceased to work and penalized me. Please address this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted discover bank in XXXX XXXX XXXX, utah branch via letter on XX/XX/2023 to make them aware of what their parent company discover bank out of XXXX  XXXX, ohio sent me as a 1099c form which is a cancellation of debt. also they mark box 6 on the IRS 1099c form that with a decision or policy to discontinue collections. it clearly say it on the 1099c form they filed with IRS, in other words that became taxable income for me. I remember reading some where that the FCRA says that income is not debt and can not be reported to any credit agency at all since income is not consider debt. I sent discover bank in XXXX XXXX XXXX this exact document to back up my claim, they relied with a bogus letter they seem to be playing games even after i gave them Real proof. I have attached the required documentation that they need to remove this inaccurate item from my experian credit report, Please help me?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 A XXXX account opened on XX/XX/XXXX Account number ( XXXX ), XXXX on XX/XX/XXXX Account number ( XXXX ), XXXX XXXX XXXX XXXX on ) XX/XX/XXXX Account number ( XXXX ), XXXX XXXX XXXX  XXXX on XXXX/XXXX/XXXX Account number ( XXXX ) and XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim or online Identity theft since XXXX. I have been working with XXXX   and Equifax to remove credit reports that are not mine. XXXX  successfully removed a student loan and XXXX XXXX XXXX debt that isnt mine on XX/XX/XXXX. Those credit report has now shown back on my credit report. Equifax has not been cooperating. They are so hard to communicate with, even tried calling many times, the wait was long. And the people were not reasonable or helpful. It has cause so much issues and spent so much money on credit repair company 's.
Product: Vehicle loan or lease

On  XXXX  I called  Suntrust Bank to try to get an extension on the remaining balance I have with them of {$850.00}. My v ehicle was totaled and between both insurance companies the bank has received over {$24000.00}. I have never been late on a payment. I even asked to speak with the supervisor ; his name is  XXXX  he did n't want to assist me either. I advise him that I am unable to make the payment due to me being unemployed and needed the extra time. I also advise him that they just received a payment from my insurance  XXXX . I never have experience anything like this
Product: Credit reporting or other personal consumer reports

XXXX HAS ALLOWED BEST BUY A.K.A CBNA TO REPORT THE SAME ACCOUNT TWICE ON MY XXXX REPORT. BOTH ACCOUNTS FROM CBNA HAS THE SAME OPEN DATE XX/XX/2020., I WOULD ASSUME ITS IMPOSSIBLE TO HAVE TWO REVOLVING ACCOUNTS WITH THE SAME CREDITOR AND OPEN DATE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INVESTIGATION. CBNA FAILED TO PERFORM A INVESTIGATION. THE DUPLICATE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED CBNA THE REPRESENTATIVE CONFIRMED THIS WAS A DUPLICATE ACCOUNT USING MY CREDIT CARD NUMBER AS THE ACCOUNT NUMBER. SHE STATED IT WILL BE UPDATED, ITS NOT UPDATED