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

I am writing to file a complaint regarding a recent dispute with Equifax on XXXX XXXX   ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) Despite my request for Method of Verification information on XX/XX/XXXX  ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) In relation to items on my consumer report I have not received the necessary details. The disputed item is in regards to late payments being reported on my consumer report from my XXXX XXXX XXXX XXXX ending in XXXX and I believe that obtaining the detailed step by step Method of Verification is essential to ensure the accuracy of the information reported. I have previously submitted a dispute with Equifax on the above stated date. Although Equifax responded with a stall letter on XX/XX/XXXX  simply updating the account as it was with no changes which is a failure to provide the detailed method of verification with specifics, and has reached the extended amount of time In which the original letter was sent out on XX/XX/. This delayed process is hindering my ability to resolve this matter effectively. I kindly request that the CFPB intervene in this situation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). Your assistance in compelling Equifax to provide the necessary Method of Verification will be greatly appreciated. Thank you for your attention to this matter. I can be reached at XXXX for any for further clarification or documentation needed.
Product: Checking or savings account

At the beginning of the month I had my phone in my wallet taken out of my car and I disputed the charges on my card XXXX  days later when I finally found out what had occurred and chime will not replace the money they keep denying my claims I rebutted them XXXX times but because of that I don't have the same phone for them to verify that it's me I can't get into my email because I'm locked out of it and they won't change any of my stuff on the computer because they can't verify that it's me I've sent them documents after documents after documents that it is me tax papers birth certificate ID you name it I've done it probably XXXX times this month and I still can not get into my account nor has any of my money been replaced it was stolen by a man XXXX XXXX showed me the footage it's insane to me that these XXXX pardon my French won't fix it something needs to be done about these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

I was a Phishing victim from FB Marketplace on XXXX XXXX with loss of {$1000.00} sent via XXXX at U. S. Bank for a deposit to buy a used car from my daughters good friend who had been hacked. My daughter contacted her friend and learned of the hacking so I Immediately contacted the fraud department at U S Bank but was told too late. They filled out an Investigation claim which was denied x XXXX even though the XXXX account had the name and phone number of the hacker. U. S. Bank has all the information. I even went to the bank and requested the details of how they investigated and was told I couldnt get them.
Product: Credit card

Capital One Credit Card services closed my long running credit card account with no warning and for no reason. At the time of account closure, I have {$310.00} in unredeemed and pending rewards and Capital One refused to issue my remaining awards.
Product: Debt collection

On XXXX/XXXX/XXXX I returned a call to a number that I did n't know and the lady identified herself as an agent for " Commonwealth '' ( XXXX ). The lady had some of my information and some old information. She stated that I owed on a debt and that I had 72 hours in order to either make some kind of settlement or pay a large amount or they would start the procedures to garnish my wages. I asked her for something in writing verifying this loan was mine. She told me that she could not and would not do this because I only had 72 hours to resolve this or they would garnish my wages and issue liens. I told her that I knew my rights and that they must provide me with some sort of verification and I had 30 days to either verify or dispute. I gave her my current address so that she could sent me verification. She started arguing with me and said that she would n't send me anything and that the case would be sent to litigation. I called back several times, was told that the case was flagged for litigation, trying to see what the name of the company was that they said I owed. On the XXXX call I was transferred to someone I think they said was a manager and he told me it was a debt from XXXX and gave me the name of the credit card. First he offered me a payment plan to hold the account for a little over {$1000.00} by Wednesday XXXX XXXX/XXXX/XXXX XXXX and then when I told him I could n't he said he would give me to Friday ( XXXX/XXXX/XXXX ) and we hung up. Thinking this was some kind of phishing scam I looked them up on the internet and have found several people who have gotten the exact same speech and that if you call back you get a scare tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice someone checked my credit report who I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 i was under the impression that my mortgage payment was processed with cmg financial. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called cmg financial to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called cmg a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. 
FXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy and confidentiality. 
15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality.

15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent.

15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information provided is inaccurate.
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that you are in violation for reporting this inaccurate item on my credit report. My XXXX  XXXX  rates are very XXXX  because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX
Product: Credit reporting

I have asked Equifax to please correct the items on my credit report. The filing dates and amounts are incorrect for the tax liens. They have refused to adjust although I have sent them supporting documents. I have also advised them the agency that they have provided for me to make contact with advised they can not give them any information on my case as they do not support XXXX XXXX. Also on the credit report the amount {$18000.00} is listed as an individual lien item however that amount is also included in the lien for XXXX. Which means this lien has been reported twice. Please investigate and advise
Product: Credit reporting, credit repair services, or other personal consumer reports

My home mortgage was transferred to nation star, now Mr. Cooper in XX/XX/XXXX from XXXX XXXX. When it was transferred I had a check in the amount XXXX that was cashed by XXXX XXXX but not transferred to Mr. Cooper mortgage. I began by calling Mr. Cooper and then XXXX and back and forth I finally wrote a letter because I was not getting an any answers. I have a letter dated XX/XX/XXXX that I wrote to XXXX XXXX ... now Mr. Cooper. I explained the problem and asked that they find my money and apply it to my account. My usual house payment is XXXX, however I often doubled or more my payment so I had more than 2 payments lost in the transition. I asked that they find my money and correct my records. They assured me there was a grace period for my payments in this transition and that no problems with my credit would occur because of this. I received a letter from Mr. Cooper on XX/XX/XXXX explained that they had found my money and that the payment was applied to my account. At that date I was paid until XX/XX/XXXX. I continued to make my payments at the exact amount of the payments. I did not trust it to make over payments with mr Cooper since their record keeping seemed poor. after some more back an forth my records were corrected and I was sent a history of my payments at my request. I was assured that I was in good standing and that nothing was late. in the middle of XX/XX/XXXXthis popped up on my credit report and Mr. Cooper had reported that I had made two payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX. That is untrue. I am trying to buy a house right now and it took my credit rating from above an 800 to the mid to low 700 's. My closing date has been set for XX/XX/XXXXand I have called and written to Mr. Cooper to ask that they correct this, Yesterday I received a letter from them that it would be at least another 30 days before they would get back to me. By that time my house will have closed and my credit will have determined another loan percent for me. I have explained this to Mr. Cooper on more than one occasion. I need to have this cleared up before my closing date and in time for my lender to have an accurate credit report on me. I have records scanned in to send to you. verifying what I have said to you in this letter. I need help and it needs to be quickly to make a difference in my loan. I am very unhappy with the responses from Mr. Cooper. This is not the only problem I have had with their service. I want to file a complaint. Thanks you in advance for any help you can give me with this very frustrating experience.
Product: Student loan

I graduated inXX/XX/2010 and have been repaying on this ( approximately {$50000.00} ) loan faithfully for over five years now. My balance is **still** {$47000.00}. This is criminal! These dirty student loans were deliberately designed never to be repaid. I am incredibly angry. How can this behavior be allowed to continue? Why is this not illegal? 

Total Payment Amount : {$18000.00} Applied to principal : {$3600.00} ( really?! ) Applied to interest : XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 contacted the credit bureau on XX/XX/year> regarding unauthorized inquiries on my report due to a data breach at my XXXX office and provided the adequate documentation. They completed their investigation on XX/XX/year> and removed the inquiries following a dispute resolution process. Here it is XX/XX/year> I go to check my credit report and see that these same inquiries have been placed back on my credit report.
Product: Checking or savings account

Our family XXXX has XXXX accounts with Key Bank in XXXX, XXXX A XXXX  account and XXXX XXXX  account. My mother has resigned from the XXXX due to XXXX issues and we have provided Key Bank with all the necessary legal documents for the co-trustees to assume the financial responsibilities of the XXXX. Key Bank is refusing access to the accounts. 

They have been provided with all properly executed forms. We have tried numerous times to resolve this issue and Key Bank has basically ignored us and has held our funds hostage. 

See the attached letter for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for my personal information to be updated with the Credit Company multiple times. I am currently getting denied for other products due to the inaccuracy of my personal information. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX DELETE Employers : XXXX. 
XXXX XXXX XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have attached letters for my new complaint to the bureaus.
Product: Checking or savings account

Last week, several transactions were made from my XXXX account without my authorization. Money was sent to a country I had never sent money to before and to people I did not know. Although I have previously used XXXX to send money to XXXX, this time, the platform was used to send money to XXXX country I had no prior connections with. XXXX failed to protect my data stored in their app and did not conduct adequate security checks, as shown in the documents attached. Additionally, they refused to help me with this matter. 

The folowing amouts where taken from my Wells Fargo Bank Account. : XX/XX/year> - {$100.00} XX/XX/year> - {$890.00} XX/XX/year> - {$250.00} XX/XX/year> - {$110.00} XX/XX/year> - {$1600.00}
Product: Debt collection

I have requested to be on the DO NOT CALL LIST including all forms of contact with my auto finance company ( MIKE CARLSON MOTOR COMPANY ) as of XXXX 2016. I keep getting multiple collection calls and emails, I talked to the reps and a supervisor about the issue but nothing has changed. I had to change my phone number last weekd due to all the calls. I am seeking to file a lawsuit against MCMC for violations of the FDCPA laws.
Product: Debt collection

Company named XXXX XXXX XXXX XXXX XXXX XXXX called me and my relatives today leaving a message that i would be sued if i did not contact them. When i did reach them they said i owed {$600.00} and would cost me 3 times that amount in court if i did not pay them.Caller stated they wanted to set up a time when i could be served at my residence or the would have to serve me at my work. They gave an address from 10 years ago, and a bank that was never used. I asked them how they acquired all the phone numbers, but they would not tell me, i told them not to call me or my relatives again. But the calls kept going out to my relatives. This an embarrassment to me to have to explain the matter to my relatives.
Product: Student loan

I want to file a formal complaint against Sallie Mae/Navient. When I completed college in 1999, they recommended I consolidate my loans with my husbands loans. They stated it would be better for us. All it did was lock us in at a high interest rate and they would not allow us to refinance or switch to another borrower with a lower rates, I tried several times over the past 15 years. They also recommended we defer our payments in the beginning, tacking on a ton of interest and fees to our loans. They also put all of our loans in my husbands name, not mine. I am a public employee in law enforcement for 15 years and I am eligible for a payback program but they never would allow me to enroll for the payback program due to them putting all my loans in my husbands name. Most of the loans are mine not my husbands. I have contacted them multiple times over the past 15 years and have received no help. The last contact was a few months ago and they said they would get back with me and never did. I have been paying almost {$500.00} a month on my loans for at least 17 years and my balance has barely gone down. I would like someone to investigate them. I am making the payments they say and my balance barely goes down. Where is my money going?