23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 72 months Payment History XXXX made 78 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

on XX/XX/XXXXXXXX XXXX XXXX XXXX my ssa check was deposited to my chime checking account. I paid a XXXX bills and then overnight all my remaining funds were transfered with out my permission or knowledge and without warning by sms or email. on XX/XX/XXXX I reported the problem and was told my dispute was denied that all the system worked as it was supposed to and they would not do anything about it. 
I called and had the dispute reopened ..now all im getting is a run around, no information and nor temporary funds while they investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander has agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX- XX/XX/XXXX. I would also like to add that they are reporting incorrect information on all three credit bureaus preventing me from opening new accounts and purchasing another vehicle. 

I demand that this account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately.
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX****, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX. 


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: Student loan

Hello. I have XXXX accounts with Nelnet, each reporting XXXX lates to the credit bureaus. I also have several accounts with XXXX. XXXX is reporting my past deferments correctly, with no lates. I have spoken to Nelnet, but they will not not remove the lates, though I thought my loans had been in deferment, and XXXX is again, reporting the past years correctly. Additionally, my father served 4 years in the XXXX, but I have been charged interest on my Nelnet loans. I would like the interest accrued adjusted and the lates removed. I am not happy with the service I have received with Nelnet, but have had no problems with XXXX. Thank you.
Product: Student loan

When I was a struggling single mom, I was lured in to going to XXXX XXXX. ( XXXX XXXX XXXX ) back then, in XXXX. I was told that even though I had not finished High School, that I could attend this Institute and become a XXXX XXXX  and make more than enough for my son and I to survive on our own. I was told they had job placement with many connections in the XXXX XXXX and obtaining employment would not be an issue, after graduation and getting all top marks throughout the program. I returned to the main office to sign up for job placement, I knew I would have to interview and no one was going to hand me a job, but XXXX made it sound like they had people that were willing to take a chance on their graduates. When I arrived I was given a phone book and told to start looking, I was confused. This is not job placement, I could do this myself at home. Once finished the program I tried to obtain employment as a XXXX XXXX  for a very long time but was told the same thing, I needed a High School Diploma or GED and 2 years experience. I never became a XXXX XXXX. I was never able to afford to make payments on my student loans, first with Sallie Mae then eventually sold to Navient. I was on some kind of Deferment program from day one, I was young and didn't feel like all my options were explained to me in these loans. I feel like I was mislead and now I am in a position I can't possibly climb out of, no on made it clear to me that interest still accrued on my loan while on Deferment by the time I found out, I was already in a hole. I'm now XXXX and am applying for permanent XXXX which is a long process and I feel it's going to be impossible to pay back these loans with the amount of interest I owe. I reported to them I was XXXX and XXXX  several times and that I felt like I wasn't receiving the help I needed, I was always met with horrible attitude, uncaring customer service. Condescending comments. It was horrible, I feel like I should be part of the pending suite , I definitely fall under it. They sold my account to a new company but this all started with Naviant.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Checking or savings account

I have had a PayPal account for over 20 years. As of XX/XX/23 I have nearly {$1300.00} in combined my PayPal and PayPal savings account. I had just transferred {$1000.00} to the PayPal savings account on XX/XX/23 and a month later PayPal decided to " limit '' my account and block me from accessing to my own money. 

I was on the phone with four representatives for almost 2 hours to get an explanation. Not only did they not explain why this is happening they refuse to transfer my funds back to my bank. They made an arbitrary internal decision with no warning and no discussion with me before freezing my accounts. This is modern date theft where a XXXX XXXX XXXX company steals from ordinary citizens.
Product: Credit reporting or other personal consumer reports

Hello, I have recently disputed errors on my credit report with Experian and realized the errors on my credit report still exist. The accounts were Verified but no proper verification was provided. I have listed the accounts below that still have multiple errors and inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to Experian, explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner.

I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation.
Product: Credit card or prepaid card

Capital One Charged me 2 fees that shouldnt be charged. 
1 - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXXXXXX XXXX 2 - XX/XX/XXXX - which was on Saturday not a business day. 

I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all. I do not accept the answer, first Capital One retained an amount of XXXX for almost ONE YEAR, I called them several times, spent hours on the phone, they sent the check just one month ago, after I exhausted calling them. The bank took one year to send my money and no penalties applied. Please explain that. 

Lastly, I called for the {$25.00} fee in XXXX and requested to be on automatic pay, the agent disconnected the call and never called back and I ended up being charged a late fee again!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX. Update my credit profile to reflect the correct information as listed above. 
XXXX. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXXXXXX, CA, XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX XXXX XXXX called and left a voice message. Then at XXXX a rep called again and left another voice message. I can understand once a day but calling again is harassment. I still have the voicemails. This isnt just about mortgage. I have several loans with this bank
Product: Credit reporting

I disputed an inaccurate XXXX account with Trans-Union multiple times but they failed to investigate the dispute because of mismatching addresses. This caused many XXXX as I tried verifying my address multiple times to no avail. I decided to contact XXXX and they said they could n't find the account in their database. With that in mind, the XXXX representative named XXXX said that she will contact all XXXX credit bureaus to get the account removed. Today I ordered my Trans-union report and the inaccurate account is still reporting for more than a year ; since I started disputing the account. This is frustrating because XXXX and XXXX are not reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX  ( " XXXX  XXXX '' ). I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. 

I received another letter dated the same date notifying me they coundl not find any record of the inquiry. However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. 

I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. 

EQUIFAX  also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE This is my second complaint. Equifax claims to have sent me a response to this issue, but that us false. What they sent me was a completely different matter that had nothing to di with this XXXX XXXX fraudulent hard inquiry
Product: Credit reporting

I have been identified as XXXX XXXX. I have never used this name. My name is XXXX XXXX.
Product: Credit card or prepaid card

my identity was stolen on or around XX/XX/XXXX, XXXX someone used my capitol one account to buy gift cards then tried to use them to pay account. Someone was using and paying the account and payments were being reversed. Causing me to lose both of my capitol one credit card accounts.
Product: Mortgage

Want to file a CFPB complaint against WellsFargo Bank Mortgage, dating back to XX/XX/XXXX of misrepresenting my mortgage loan for modification loan approval based off decrease in my annual income. Also, during XXXX pandemic between XX/XX/XXXX and XXXX was not allowed modification loan approval, was just given a forbearance and between this time I was forced to file XXXX XXXX bankruptcy through XXXX XXXX on XXXX XX/XX/XXXX, because of the disapproval of a modification of my mortgage loan with WellsFargo dating back to the beginning of XXXX XXXX, also still waiting for approval of modification from video hearing that was held on XXXX XX/XX/XXXX with my attorney XXXX XXXX XXXX I need to be refunded half of my attorney fees and XXXX XXXX fees dated back to XXXX XX/XX/XXXX because WellsFargo force me to file bankruptcy because of not granting a modification approval for my mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX 
This is a violation in the Fair Credit Act. 
Also, XXXX charged the account off in XXXX  Since then, the payment history reported as no data on both Experian and XXXX. 
Well, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. 
Also, the is a federal lawsuit with XXXX fraudulently reporting payment history. This company is aware. Yall have numerous articles on it.

Any inaccuracies reported must be deleted according to the Fair Credit Act.
Product: Mortgage

In XX/XX/XXXX, I entered into an agreement for a FHA loan to purchase XXXX XXXX, XXXX, OH XXXX. My monthly payments were suppose to be {$420.00} per month but were raised to {$790.00} per month. I paid this amount for approximately 43 months when my employer downsized. In XX/XX/XXXX, Fifth Third Bank began foreclosure against me without following the regulation at XXXX CFR XXXX. While I can not make the {$790.00} payment, I 've tried in vain to include XXXX XXXX income as a part of my household and restart the mortgage. Fifth Third has refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, is violating my rights by changing remarks, amounts owed, balance manipulation, each month they are changing statuses, ultimately making newer derogatory remarks, as of XX/XX/2022 they are reporting a new charge off, this was charged off 3 years ago, and account is XXXX XXXX XXXX, now they are reporting a balance of {$1.00} to XXXX. This is moving my score up an down negatively, please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX  XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I am not sure who this company is, however they continue to email after i have asked them over the years to contact me in writing if something is owed
Product: Debt collection

Received an email from a company called " Professional Account Management , LLC a XXXX XXXX XXXX '' claiming that I owe {$240.00} to the Pennsylvania Turnpike Commission. 

I did not respond to the email and immediately called the Turnpike Commission and verified that our account does not not now, nor has it ever, owed a past due balance of any kind and that the information, logos, and verbiage in this email were inaccurate and not a representation of any official from the turnpike commission. Was informed that the only communication the turnpike commission sends out for balances is via USPS, not email. Forwarded this email to " XXXX '' as well as reporting it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, TransUnion or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX XXXX
Product: Debt collection

This company has threatened me and my livelihood and repeatedly calls and harasses me. I have disputed this with them internally and requested that they mail me proof of debt but they continue to call and harass me nearly every day for months now. I asked them to stop calling during the day while I was in classes, and they refused. They refuse to send me any proof of debt via mail.
Product: Checking or savings account

I received an email Chase was closing all my accounts and my Chase credit cards. I thought i was a phishing scam but also received a letter. I called the number on the letter and this was all confirmed. The rep refused to discuss any details of the circumstances.