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

I reported fraud on my checking account for a XXXX payment to my bank .I just received notice that the bank has determined no fraud was committed. I informed the bank my XXXX  was lost/stolen and my debit card info was on the phone. a few days after it was lost/stolen someone use my card for XXXX at XXXX. I went to XXXX and was told it was used as a XXXX XXXX, either to pay a person or a bill. I do not use XXXX XXXX. I filed a fraud claim with the bank and i just received notice that the temporary credit will be reversed in 14 days. 
There seems to be a systemic problem with banks siding with vendors instead of customers. If my card info was literally stolen and used, why should I have to pay for it. 
Why should I go without XXXX of my hard earned money while some thief benefits. 
NFCU did not contact me before making the decision to reverse the credit or explain to me what supposed evidence they used to determine there was no fraud on my account. 

I filed a claim for my stolen phone with XXXX but they didn't bother asking me to provide any supporting evidence. 

On your next examination of NFCU your office should review their debit card dispute process and look at how much they side with a merchant or thief instead of their members they claim to protect. I'm sure i'm not the only customer they've done this to.
Product: Debt collection

XXXX at XXXX sent an eviction email to all residents during covid who were not able to pay their rent. The eviction date was XXXX XX/XX/2020, I moved out XXXX XX/XX/2020. The attached letter from Columbia Debt Recovery LLC, DBA Genesis, charges me for rent in XXXX, XXXX, XXXX, and XXXX, even though I had moved out. It also looks like they charge me for rent in XXXX, XXXX, and XXXX, but those months were paid. I have asked numerous times for XXXX ) proof of nonpayment and XXXX ) explanation of the amount due, but have not received any information. Every time I call to speak to someone, the person I spoke to before is never available, and I have to explain everything all over again. I just want an explanation of the debt but they keep avoiding answering my questions. 

XXXX sent to credit bureaus disputing the amount and requesting debt validation. 

XXXX received from company, does not validate debt, only lists amounts with no specifics. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX informed her the information on the debt validation letter was wrong. I moved out of the property XXXX XX/XX/XXXX, per the eviction email sent to all residents. XXXX was not aware of the eviction email, I sent her a copy, but she never replied. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX XXXX him I never received a response from XXXX. I again requested debt validation ; he said it takes 15 days. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to Sam, he said XXXX and XXXX were not available. I asked for a follow-up to my debt validation request, he said they already sent it to me. I informed him the information was incorrect, and I requested a breakdown of the amounts. He said their office requested the information from XXXX at XXXX, and it can take up to 30 days, but could not tell me when the 30 days started. I mentioned it had been more then 30 days since I spoke to XXXX and asked him for the exact date of that request. He said he could not provide that date because I am not their only case, and to I am not their only case, and to call back later. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to XXXX, she said XXXX and XXXX were no longer managing my case, and XXXX was as of today. I informed here the information provided was incorrect and requested a breakdown of the amounts. She said they requested that information in XXXX but could not give an exact date. I said I will call back in the beginning of XXXX, that would be more than 30 days after speaking with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that XXXX was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX  that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also XXXX should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on XXXX  and Experian it shows dated opened XX/XX/2018 and on XXXX it shows an open date of XX/XX/2018. The high credit on XXXX and Experian is XXXX and on XXXX XXXX. The credit limit on XXXX and Experian is also showing XXXX and XXXX on XXXX. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account CONNS is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

Formal Complaint Against TransUnion for FCRA Violations Failure to Investigate & Remove Inaccurate Items To Whom It May Concern, I am filing this formal complaint against TransUnion LLC for their failure to investigate and correct inaccurate information on my credit report within the legally required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

30 days prior to today 's date of XX/XX/year>, I submitted a formal dispute to TransUnion regarding multiple unauthorized inquiries and outdated accounts. I have not received any response or resolution, making TransUnion non-compliant with federal law.

Violations Committed by TransUnion : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Within 30 Days TransUnion has failed to complete its investigation within the legally required 30-day period.

FCRA 15 U.S.C. 1681e ( b ) Reporting Inaccurate Information They have continued reporting inaccurate, outdated, or unverifiable information, violating federal law.

FCRA 15 U.S.C. 1681n & 1681o Willful & Negligent Non-Compliance Their failure to respond may constitute willful or negligent non-compliance, which entitles me to damages, legal fees, and corrective action.

FCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If TransUnion fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. 1681n and 1681o.

I request an urgent review of this matter and expect a formal response within 15 days, as required for CFPB complaints. 

Sincerely, XXXX XXXX [ XXXX ]
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Money transfer, virtual currency, or money service

PayPal is facilitating fraud. I am a recent victim of an online scam involving XXXX XXXX. The seller uses PayPal 's " purchase protection '' to give buyers confidence in moving forward with fraudulent transaction. They do this because they know how easy it is to XXXX PayPal 's purchase protection controls. The fraudulent seller simply submits an unrelated tracking number and PayPal closes the claim. 

I've already proven to PayPal, via an email from XXXX, that the seller is using an unrelated tracking number as " proof of shipment ''. They reopened the case after I provided the email, then the seller sent another fake proof of shipment and PayPal immediately closed my case again. Each time the fraudster provides a tracking number, the departing location and addressee are different. They use tracking numbers with the same destination city as my current address. PayPal does no due diligence in investigating fraud and is opening up all of their customers to potentially big financial losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my account that does not belong to me.
Product: Credit reporting or other personal consumer reports

pLease see attached police report, I have been a victim of identity theft
Product: Credit card or prepaid card

I learned that someone had attempted to apply for credit with Elan Financial on XX/XX/. I called Elan Financial and they told me Fulton Bank has funding through Elan Financial. I spoke to XXXX at Fulton Bank. He stated the fraudster presented what looked like a legitimate drivers license. 

I, along with my representative from XXXX XXXX XXXX ( XXXX ) called Fulton Bank at XXXX and spoke to XXXX about the inquiry on XX/XX/. They have an investigation about the application that was put in on the 9th and they pulled the credit report again on the 12th to decline it. They flagged the account for fraud. A bank account was opened also that is now closed. The investigator at Elan Financial is XXXX XXXX at number XXXX. I was told XXXX XXXX would contact me. I have never heard from him. 

Around XX/XX/ I received two alerts from XXXX XXXX XXXX that a new account was showing on my XXXX and XXXX credit reports for Elan Financial. My XXXX rep and I contacted Elan Financial and spoke to XXXX. We found out an another account had been opened with a {$20000.00} credit limit and NOT CREDIT CHECK BEING RUN. 

THIS IS UNACCEPTABLE!!! I did my due diligence to make sure this account was NOT opened by putting a freeze on my credit through all 3 bureau 's, and yet Elan Financial opened it anyway. 

CONTACT INFO : Fulton Bank XXXX XXXX ) XXXX Elan Financial ( XXXX XXXX - Fraud Investigator ) XXXX
Product: Credit reporting or other personal consumer reports

Please check the documents that I've sent. There are inaccurate accounts on my credit report.
Product: Debt collection

I had XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX. There was a patient copay, and I was notified - I believ BY TEXT about the amount due. I don't recall ever getting a hard copy bill. 
In any event, I set up a payment plan with XXXX XXXX XXXX for $ XXXX, to be withdrawn from my checkng account. 
XX/XX/XXXX I received a DEBT COLLECTION NOTICE from XXXX XXXX for {$32.00}. I have not been to XXXX XXXX since XXXX, so I called the Law Office to see what it was for. It apparently is part of the XXXX XXXX last payment. I have NEVER received a bill in the mail for this {$32.00} at all. I am confused as to WHY this amount went to a debt collector when I had a payment plan already set up and from which XXXX XXXX has been withdrawing payments. 
Fortuneately I do not see a charge from the debt collector, or I would be REALLY aggravated with the lack of billing notices from XXXX XXXX and would refuse to pay that portion. Please find out WHY they could not just send ME the bill, or better yet, take it out of the account, as before. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within

thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Mortgage

My wife loss her job a year ago XXXX of 2018 and it caused a hardship. During this time I reached out to Wells Fargo to request a loan modification I was told that I couldnt apply until XXXX of this year due to the previous loan modification I had a few years ago. So XXXX finally came and I went ahead and applied. The Representative that was assigned to me spoke with me once before the application was submitted then I never heard from him again. I got the notice in the mail stating that the loan modification was denied due to the fact that I was in bankruptcy and they couldnt raise the payment. I have been trying to understand their decision because I could have taken the home out of bankruptcy or they could have lowered the interest rate. I sent in appeal but I was told the appeal was denied and they couldnt give me a reason why it was denied. I have been trying to reach the Representative assigned to my case but He hasnt returned any of my calls. I have also tried to reach his manager and still no response! I feel that Wells Fargo see an opportunity to take the house so therefore, they are ignoring me.
Product: Mortgage

I closed on a mortgage with XXXX who has the servicing with Selene Finance. They held payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not to start paying payments until XX/XX/XXXX. However, they withdrew a payment on XX/XX/XXXX. I have contacted the company twice and XXXX at XXXX also contacted them twice. We were told that they would be returning the payment, however, to date, they have not. My payment is {$2300.00} That is a very large amount to my monthly debt to be taken in error and not returned. They have said sorry, they will handle it and then nothing.
Product: Vehicle loan or lease

Had a car loan with Wells Fargo. They did not apply my payments correctly. I had a repo man come to my house at 8am to repossess my car. I was showing him my Wells Fargo account with current payment status. He had to make calls for an hour in my driveway with his tow truck blocking my car. Then said I was right and hed never seen that before. I was charged fees and caused mental anguish and embarrassment because of this and am looking for my payment from the Wells Fargo settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from XXXX XXXX XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.
Product: Student loan

Navient recently took over servicing my loans from XXXX. XXXX has always handled my loans as XXXX separate loans with different payment schedules. The prior servicing company, XXXX Bank, did the same. XXXX of the loans is subsidized and XXXX of the loans is not subsidized. I have always paid the XXXX loans at different paydown rates, paying down the principal on XXXX loan much faster than the other loan so that someday I would have a reduced payment by only having XXXX of the XXXX loans to pay. Navient 's new payment scheme will combine the loans into XXXX and make it impossible for me to accelerate the payments on XXXX of the loans by itself. Since I am XXXX years old and owe {$100000.00} total, I had always planned to pay off the loan that is now smaller ( due to my accelerated principal payments ) before I retired and started collecting social security. At that time I will not have enough money to pay both loans at the current payment if both loans still exist. This is dishonest, unethical, and I think it is a violation of the original terms of the loan, but Navient so far has refused to send me a copy of the original promissory notes ( I signed XXXX each year I was in school ) and instead insists there is only XXXX promissory note. That is not true.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dispute several attempts to get incorrect information removed and breach of data protection nothing was accomplished
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two written request for incorrect reported items on my credit report with XXXX   and Experian. I take my credit very seriously and I submitted a second written request to XXXX  XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX  in the amount of {$2100.00}. I also submitted a written request to Experian requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both Experian and XXXX.
Product: Credit reporting or other personal consumer reports

Hello and good day, please read this complaint carefully as I would like to bring to your attention these fraudulent credit inquiries that have been placed on my report. This has been stressing me out as I am not aware of these and I do not recognize them, I did not applied to these or gave authorization to have these placed on my credit or for these companies to access my credit report.