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

I sent certified mail to the Credit reporting agency to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding a XXXX  XXXX account with the account number - XXXX. After conducting a full investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme stress, mental anguish, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX, XXXX XXXX of XXXX XXXX responded to a query for reporting renter payment history to Transunion. Per the landlords XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX signing the furnisher agreement XX/XX/XXXX ( attached ), I as the renter was going to be provided service from Transunion. 
As of XX/XX/XXXX, there has been no service provided. The landlord in an email indicates that XXXX and the agent is not to be contacted by myself.
Product: Credit reporting or other personal consumer reports

I went to obtain an auto loan in XXXX of XXXX  because I needed a new one for my career. I was denied due to a bankruptcy on my file. Ive never filed for bankruptcy in my life. There was a lock on my account and it was not a phone number associated with me. I received my credit report and there are multiple addresses and names and accounts that are related to someone else. I called all banks from my report and none could find me in their system. The last 4 of my social are wrong on my report, the address is wrong and my work history is wrong. Every dispute has not been resolved and its stopping me from getting auto loan and giving me bad credit and its defamation to my character. Every time I call Experian I cant get any representatives to talk to.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I sent a payment via CASH App to a party for work completed in the amount of {$25.00}. On XX/XX/23 an unauthorized payment was made of {$50.00} to the same party and I immediately notified cash app of the fraudulent charges. I have since sent XXXX complaints regarding the fraudulent charges and marked the user as a scammer and nothing has been done. I called customer service on XX/XX/23, where I was prompted to ask the scammer for a refund, which I had already done. The scammer party declined my request for refund. After explaining this to customer service, she literally said, " I told you how to fix this '' and then hung up on me. I filed yet another complaint on the fraudulent charge of {$50.00} and every time I attempt to resolve the issue, customer service does absolutely nothing and the scammer continues to scam people. Cash App is by far the worst system I have ever dealt with in sending and receiving money and they need to be eliminated as an option since they clearly can't keep users safe and do nothing to resolve issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

What didnt happen ... since day XXXX when Nationstar took over this loan from XXXX on XXXX/XXXX/XXXX. Once Nationstar took over things went downhill fast. The supposed dedicated loan specialist assigned to my loan consistently advised 'everything was fine ', 'no need to worry ' even when my check for {$1000.00} was sent towards my payment due for XXXX XXXX was returned. She never explained to me or even mentioned the word Foreclosure. Later on ( about 7 months later ) I found out that Nationstar had started the Foreclosure process. Not once did she ever mention this when she would consistently call to discuss payment arrangements. 

Finally a good friend of mine suggested that I apply for a loan modificaiton. My first attempt was made to get my loan modified in XXXX XXXX. It was such a confusing ordeal that even Nationstar couldnt provide the correct information needed to apply for the modification. The main issue and reason for requesting the loan modification was because my wife left in XXXX and I had primary custody of my XXXX kids. So i went from XXXX incomes down to just mine. Without her paying any type of child support which was outlined in our separation papers. It got to the point that I finally gave up on the request because Nationstar kept telling me I needed to get a court seal on the separation papers however, after calling and going to the court house they had no idea what was being requested. And the state of MD does not recognize separation papers legally. 

It wasnt until I found out in late XXXX XXXX that Nationstar had actually filed for Foreclosure in the court system. That was when I attempted to request a loan modification again since the XXXX in XXXX had expired and I had to start over. 

Thru the XXXX attempt, my friend and I contacted XXXX HUD Agency on XXXX/XXXX/XXXX thru XXXX where we were told that Nationstar was our only option and that I should be eligible for a lower interest rate and lower payment based on the financial information I provided and then we were put in contact on that call with a rep from Nationstar. 

Thanks to my friend who I gave permission to speak to Nationstar throughout the life of my loan, the next couple months were a lot of going back and forth almost daily with Nationstar the trial modification was approved and we were told the interest rate would go down from 8.82 % to 3.945 % but somehow the payment amount was higher than the original one I was having trouble paying. Again there was a lot of back and forth which I will attach the details of all these issues later on with the letters sent to Nationstar outlining in detail all of the issues. 

The bottom line is that Nationstar did not follow thru on what was verbally promised and even things that were in writing were still mishandled and if it wasnt for my friends help with keeping on top of them and spending so much time calling them almost daily to get things sorted out, I would not still be in my home because of Nationstar and their dishonesty and lack of customer service. They lack simple, basic customer service skills.
Product: Credit reporting or other personal consumer reports

I did not open these accounts these accounts do not belong to me. These accounts are fraudulent and should not be on my consumer report by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not licensed to collect in the state of north Carolina as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or association shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in NCGS Chapter 58/Article 70 ( PDF ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Product: Mortgage

PNC Bank acquired my home equity loan with the purchase of Compass Bank in 2022. The amount of delinquent mortgage payments are excessive. The bank is asking me to make payment on a lump sum amount with no explanation on origin of the amount. I asked the bank to validate the delinquent amount in relation to number of delinquent monthly payments showing dates of individual delinquent monthly payments with interest, late fees, and other fees. The bank refused to validate the delinquent balance and simply stated in its response to my request " that the loan is valid. '' The amount of the delinquent amount requested by PNC Bank is {$150000.00}, with no explanation on how it derived the delinquent amount. This amount equates to over XXXX XXXX  of delinquent mortgage payments.
Product: Debt collection

XXXX keeps marking different complaints about different issues duplicate. They need to respond to them or Ill create a whole new channel of disputes/claims about this issue. 

I need a purchase agreement or cease all collection. I will send you a CFPB every single time you mark it as duplicate and then I will let every single agency know, how many time you keep doing it.
Product: Mortgage

On XX/XX/XXXX received a Notice of Default and Election to Sell Under Deed of Trust with a 90 day to make payment arrangement. However, I paid this loan off in full to " XXXX XXXX XXXX '' in XXXX. This is the first I have heard of owing anything or being delinquent on any payments in over 13 years. This creditor " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' are not on my credit report and are strong arming me and using leverage to be forced to pay XXXX debt twice. My parents and I have lived in this home since XXXX and never had a foreclosure, judgment, or lien of any kind on credit report or on this property. I feel this is an act of predatory collections on hard working families and elder abuse. This is inhumane and reckless business practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal
action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has a scam on my credit report and they have done nothing about it XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX you cant even call to see what it is a scam
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wife and I started our first joint account with Chase. On XXXX Chase dropped us as customers. We asked for our money, XXXX dollars in the account. We we denied our money in the account. We reached out several times though the year to get our money and after a year they still refuse to given us our money.
Product: Student loan

Both my wife and I have student loans which are being handled by Navient. Neither of our loans were being handled by Navient initially, but were purchased after some years, mine about 2 years ago. My previous loan holder was XXXX. What is happening is either misallocation of funds or something worse. When XXXX sold my student loan debt to Navient I had prepaid my balance by over two years ; meaning my due date was not officially for over two years. I was still making my payments, in fact I like to make two equal payments each month to reduce interest and to level out my cash resources as my student loan payment is my largest monthly bill. Upon purchasing my debt, Navient did not grant me the two years prepaid status I had achieved at great sacrifice. When I called Navient upon how I could ask them to give me that prepaid status I was given vague instructions on how to send a letter to someplace I'm not sure even exists, the online form certainly does not exist. I have called the company on multiple occasions so far and each time they " add back '' a couple of months prepaid status. But that status should advance with each full monthly payment I make, but it does not. In four months and with four full monthly payments made, plus an additional amount adding up to at least on extra payment, I have a due date of the end of this month. This even wouldn't be the end of the world, even though having that prepaid status gave me a great deal of relief in these uncertain financial times, but their system will not let me make partial payments if they are not the minimum due! My minimum payment is just under $ XXXX. I like to pay between {$800.00} and {$1000.00} TWICE a month depending upon cashflow. Their system will not let me pay that way if I have a due date of the current month because they say it has to be at least as much as the minimum payment due and their system can not recognize that I am actually usually overpaying by $ XXXX. So not only are my overpayments not continuing to advance my due date. Not having my due date advanced does not allow me to take control of my debt and pay it off the fastest, least interest accrued method available to me. But it does not benefit them for me to pay off my loans quickly and I am getting very sick of spending my time on the phone with a representative who does not have the authority or the know-how to fix my problem and often difficult to understand. The problem is the web site and likely dubious legal practices in allocating my funds that Navient is already being sued for.
Product: Credit card or prepaid card

Okay, I have a credit card through XXXX XXXX. Had it over a year and all was fine until now. We are doing work to the house and I use this credit card. I pay it off as soon as the charges appear on my statement. I went to use it and it was declined. I checked my account online and it showed my entire credit line was available. I called to find out why it was declined. They told me the payments were still being processed. My bank statement shows they were paid, the credit card statement shows they received the money. I have called 5 times and talked to 9 different people. I have written four letters. I got a letter back stating all my credit is available and there is no restriction on the account. The phone calls the representatives told me, yes they have the money, yes it is posted to my account but the system is still processing the payments. None of them can explain how the payments are posted to my account but still in process. So now I have money taken from the bank account that is not available to me and a credit card that I can not use through no fault of my own and they are telling me it takes about 21 days to process the payments. If they post to my account to acknowledge they received it how can it still be processing?
Product: Debt collection

I received a XXXX Cancellation of Debt form from Chase for tax year 2012. I paid income tax on their write off. However, they are still reporting my account as " charge-off '' and it is still effecting my credit score negatively.
Product: Credit reporting

Have disputed with Trans Union several times they delete and repost. I have submitted documents but still report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any thing that belongs
Product: Checking or savings account

Chime Bank Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chime Bank regarding a transaction issue that remains unresolved. 

On XX/XX/XXXX I made a purchase at XXXX for {$140.00} using my Chime account. Shortly after, the transaction cleared for only {$70.00}, leaving an authorization hold of {$71.00} unreturned to my account. 

Per Chimes policy, I should have been credited the difference immediately after the transaction cleared, given that only {$70.00} was debited from my account. However, this did not happen. When I contacted Chime 's customer support, I was informed that I must wait XXXX days for the {$71.00} to be refunded to my account. They also claimed that XXXX is responsible for the delay. 

I find this explanation unacceptable as it contradicts Chime 's own policy regarding the handling of authorization holds. This delay in returning my funds is causing undue inconvenience and financial stress. I believe Chime is not acting in good faith by holding onto funds that should have been promptly returned. 

I am seeking the CFPB 's assistance in resolving this matter and ensuring that Chime returns the {$71.00} to my account without further delay. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I received a loan threw XXXX. When it was time i made payments on time as the agreement. Cashnet then attempted to make unauthorized debits from my account. I was notified by my bank, who closed the account and began an investigation, While in the process CASHnet again made an attempt to debit funds. This made the account go into a negative balance as my available funds had already been moved to a different account. I am now getting harassing calls from a third party debt collector threatening to sue me and garnish my wages. They called my work phone number on numerous occasions. I spoke to a supervisor by the name of XXXX XXXX who was the person threatening me. I tried to explain to her the circumstances involving the account but she was uninterested. She was very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ally financial finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  inquiries from unknown times same day by some one else
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

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion is reporting the last reported date as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Transunion is reporting High credit as {$800.00}, XXXX is reporting {$0.00}, and XXXX is reporting {$740.00}.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and TransUnion has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.