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

On Monday XX/XX/XXXX, my husband went to his credit union and made a withdraw and received a cashiers check from his credit union. He then uploaded the check in mobile deposit to our Wells Fargo Bank account. The Wells Fargo bank account said that there would be a hold placed on the check, and {$5500.00} would be available on XX/XX/XXXX and {$5400.00} would be available on XX/XX/XXXX. Our checking account shows that the deposit was made, but then the deposit was debited out. The {$5500.00} was not made available on XX/XX/XXXX, and we received no correspondence from Wells. Today is XX/XX/XXXX, and none of the funds have been put in our account. I called Wells, and after being on hold with an agent over 30 minutes, they had no answer for me. They said I had to call another part of the company that had hours only in Pacific Time. I told them I should not have to be calling to track down my money! Again, I have never been affirmatively contacted by Wells. I made a complaint, and she entered the complaint in the system and said it would take up to 2 weeks for resolution. We had a closing on a new house yesterday and due to not having the funds available, I had to make other arrangements. I am seriously disgusted with Wells Fargo for having our deposit essentially lost in cyberspace. Had we known Wells was going to be so inept, we would have used a completely different bank, we would've gotten the money in cash or we would have done something else. We trusted Wells to do what it said it was going to do and it let us down.
Product: Credit reporting or other personal consumer reports

Ive noticed an account on my credit report that I do not recognize and believe it might be linked to identity theft or fraud.
Product: Mortgage

Intelliloan XXXX  Company has intentionally Misrepresented Fact and Information on my credit report. 30 Day Late on one month payment. I have provided irrefutable evidence to Intelliloan the that Information they have disclosed to the National Credit reporting agencies is false and inaccurate, Intelliloan will not correct the Errors and Inaccuracies. 
In addition this has been an on going problem since XXXX of XXXX. Furthermore, during that time I have contacted Intelliloan on numerous occasion before my Credit Report was even effected. Also Intelliloan has provided me with letter ( s ) addressing my concerns and providing my payment history which proves that at no time was i ever late on my mortgage payments. However, when I provided that information to person or persons responsible for the accuracy of reporting my payment history to the credit reporting agencies Intelliloan intentionally dis-rearguards the information?
Product: Debt collection

I 'm receiving weekly emails from a collection agency called True Accord for some bogus charge due to supposed damage to a rental car that I had rented via a company called XXXX ( formally XXXX ). When I returned the car, the owner said I caused damage to the very underside of the front bumper and he was going to file a claim against me for {$800.00}. There is no way I caused any damage to that vehicle and I am not responsible for any damage to the underneath of a car that was not seen during the initial inspection when the car was picked up. My insurance company reviewed the claim and denied it due to no proof that the damage was caused by me. However, this company XXXX continued to demand I pay the {$800.00} damages and a {$150.00} " processing fee ''. They have now turned me into a collection agency, True Accord who are emailing me weekly trying to collect on this amount. This company XXXX, has a class action lawsuit filed against them because they 're " processing fee '' is an incentive to file damage complaints against renters. I am in no way guilty of causing this damage and before they report this on my credit report I would like to get this issue resolved.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX. I have given XXXX XXXX XXXX the authorization to communicate with you on my behalf regarding my case. I am a victim and I hate that I must relive this moment of XXXX XXXX. It replays over and over in my head, and it is causing major distress to me. Especially as it is ruining my credit in the process. 
There is information on my credit report that requires blocking and I hope that by adhering to 12 C.F.R. 1022.142, 22 U.S.C. 7102 ( 12 ) and 22 U.S.C. 7102 ( 11 ), you take this matter seriously or you will be in violation of many of my rights as a consumer. This account on my credit report with the information listed below is an unjust financial obligation and does not belong to me and I am not liable for it. I have attached all necessary documentation. Again, this documentation is coming from me and only me, XXXX XXXX, as the consumer. I am an XXXX veteran, and I would hope that you take this matter seriously. Please contact me if you feel the need to, however, a fair resolution would be for you to remove this account from my credit report as it is in violation of my rights and I am not liable for this debt. 
Additionally, this account must be removed as it relates to 15 USC 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. This account has not been validated and is misleading and false reporting failing to comply with 15 USC 1681. Please have it blocked from my credit report within XXXX business days. 
Information needing blocking from my credit report : XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX balance : {$14000.00}
Product: Student loan

I have a family of XXXX with a XXXX wife. With threats of garishment of my wages and not being able to have my loans put on hold. Navient and XXXX has completely failed me. I can not afford to make payment and take care of a household at this current moment. The stress is so over the top is makes you want to run away. My loans through Navient started as XXXX {$4000.00} loans and now are over XXXX. Thats more than my income. They acall and pretend that they are from law offices or that they are detectives and to call back a XXXX number. They have called my wife 's cell phone several times in a day causing her stress she can not stress due to her XXXX XXXX They just applied the loans to my credit causing harm making us unable to get certainin loans that were needed to help pay bills. I pray that you can help in this situation against this horrible leech of a company. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



TransUnion XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$220.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$490.00} INQUIRIES : PXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear to whom it may concern.

It is extremely difficult to reach anyone by phone and dispute a charge with PayPal.

We have tried since XX/XX/XXXX to resolve this.

Eg.

Dear Paypal.

We have Tried to call you months ago.

We also disputed moviepass as they have never honored their unlimited movie offer.

We also wrote to Paypal.

Where is the open case that we opened 5 months ago?

If Paypal doesn't handle disputes correctly We Will have no choice but to complain to the state regulator and Cfpb.

As requested 5 months ago please Credit our account the {$89.00}.

Please pass on to management as we have never received acknowledgement.

Or a pH. Call.

Or a letter from PayPal. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called into TransUnion to Explain that I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error. 

XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error.I need these inquiries that have been placed illegally off my report. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX  ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX  XXXX XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX Act. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this account from my credit report as it is fraudulent and does not belong to me. It does not appear on my XXXX or my XXXX and is only appearing on Equifax. I have included the identity theft report a well. 

Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX
Product: Credit reporting

All three credit reporting agencies are reporting that my balance owed on verizon is {$1000.00}. I have returned the equipment as of XXXX XXXX, 2015 and have attached proof of the return. XXXX was supposed to credit my account back for the merchandise XXXX after the return. It has been 90 days and they still have not done so. I need to update my account reflecting the returned items as of XXXX XXXX 2015. They have had ample time to process this information and it is negatively impacting my credit score. Aside from my small medical debt I have been current on all of my credit trade lines. This information needs to be rectified on Equifax , XXXX and XXXX asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I have sent out an opt notice that I have attached to XXXX XXXX  per 16 CFR 313.7. XXXX XXXX  disclosed my personal information to nonaffiliated third parties including Experian, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent XXXX XXXX  a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. Experian has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. XXXX has updated my report with the results of removal of my XXXX XXXXXXXX accounts as they should. The other bureaus XXXX  and Experian are still reporting an account which they should be in compliance with XXXX. XXXXXXXX XXXX XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.
Product: Vehicle loan or lease

Since originating my loan with Drivetime, I have had nothing but issues. If I was ever one day late on my EVERY two week payment plan, Drivetime started calling me and harassing me nonstop. They called me multiple times and harassed my co workers in an   XXXX   at the  XXXX . I told them to stop calling my place of employment but they did not stop. They also repeatedly harassed my references after I told them to stop and called me all day and late evening at home. Multiple calls in a day almost hourly. They would not work with me on a payment plan to catch up and once the vehicle was repossessed they report wrong amounts and different repo dates to the credit bureaus. They have violated many of my rights as outline in the FRCA like The Fair Credit Reporting  Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies - for one. I had told their representative to only contact me in writing, they refuse to do this. They  prey on people with subprime credit and make matters worse doing it illegally.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I am currently in school. I requested an in school deferment. XXXX, initially denied my request. The reason, I was only allowed 4 years to obtain deferment. XXXX XXXX is who granted my loan. Per their website, I am allowed 7 years of in school deferment. 

I submitted this info via mail. XXXX, then stated that my request was denied because the wrong form was used. 

It is my belief that XXXX denied my request because I am an XXXX American male and it is there intent to escalate the amount that is owed by adding on late fees. 

I am in school, my loans should be deferred.
Product: Student loan

I attended XXXX school at the University XXXX XX/XX/XXXX-XX/XX/XXXX. I was not able to work because of XXXX. We filed bankruptcy in XX/XX/XXXX. We entered into a stipulated judgement on XX/XX/XXXX. The XXXX student load debt at that time was XXXX. The XXXX student loan was {$46000.00} at that time. In the agreement, I was to pay XXXX {$55000.00} without interest. I was to pay XXXX {$21000.00} without interest. The loans were sold and I continued paying on them. The XXXX loan was paid in full in XX/XX/XXXX. I just received the paperwork documenting that the XXXX loan was paid in full XX/XX/XXXX. During the last two years Navient revived the original loans INCLUDING INTEREST in the amount of {$310000.00} with 8 % interest two years ago. They show a consolidation in XX/XX/XXXX that does not exist. Even if Navient acquired these loans as a holder in due course, they could not acquire rights beyond the settlement amount of the settlement. In addition, I paid the loans as billed by the companies they were sold to. I am XXXX years old and working at a XXXX ; I make {$XXXX} per year ; my husband makes {$XXXX}. I have no assets. There is no way I can pay for these loans again, nor should I have to. Please help us.
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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my my account was properly investigated but how is that possible if the open data is still inaccurate the data active is incarcerated and data is not accurate the grounds for removal They also violated my rights under. In accordance with the fair credit reporting act XXXX  account XXXX has violated my right 15 U.S.C 1681 section 602 A 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 written instructions also also credit bureaus took more then thirtXXXX days to complete my investigation here are my Certified tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report  pleas ( 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

I noticed my bankruptcy reporting on my credit report around XX/XX/XXXX  I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the 3 credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/XXXX  stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/XXXX  I then certified mailed XXXX, XXXX, XXXX, XXXX sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. XXXX rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court
Product: Debt collection

A company called Phoenix financial services put on my credit report a balance of {$3200.00} for an ambulance ride for XXXX XXXX in California during 2020. I submitted a dispute to them, included proof that I lived in Oklahoma during that time, and that that is not my debt, and they refuse to remove it from my account.