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

Greetings credit reporting agencies, my name is XXXX XXXX and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my information without my written consent according to 15 U.S.C. 1681 Section 602A and 15 U.S.C. 602A Section 2. please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report and I as a consumer whose rights have been violated. I fully am expecting to see positive changes to my report immediately thank you. 

In accordance with the Fair Credit Reporting Act. 
U S DEPT OF EDXXXX Account XXXX XXXX has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because, I, as a consumer, have the right to privacy, and the creditors are clearly not respecting my rights. This is very unacceptable and action needs to be taken immediately in the works of fixing my consumer report. 

15 U.S.C. 1681 Section 602A. States, I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states, that a a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

XXXX calls and sends debt collection letters for something that was removed from my credit history due to dispute. It is not my debt that they are harassing me about.
Product: Mortgage

In XX/XX/year> XXXX had assisted with 7 Monthy payments to bring account current from XXXX, XXXX to XXXX of XXXX  the harassing calls started in XXXX of XXXX  they has started the Foreclosure process while I let then know I was applying for assistance. I stayed in constant contact Via email, Phone calls gave me XXXX From the threatening tones every phone call.
Product: Debt collection

Loan account just opened at XX/XX/year> by someone stealing my information ( maybe ex-spouse ) and I didn't know about it. Until this month XXXX, I realized that my account credit decreased low only XXXX point. I checked XXXX and I filed depute with them that loan {$110.00} was not mine but it not resolved. That why I submit complaint with you. Please help me, thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017, I attempted to have TransUnion startup an investigation into inaccurate and/or incomplete information they are reporting as public record. Rather than investigate my dispute as to who was the Trustee in an alleged bankruptcy case they attempted to give me the run around, and refused to investigate my complaint. I further requested the Court Number which they refused to investigate. When I informed them that I would file a Federal consumer complaint and asked where to file my complaint, they intentionally misguided me telling me to file with the BBB, not the CFPB.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Checking or savings account

XXXX I went to the atm on XXXX XXXX around XXXX and attempted to deposit {$380.00} when the machine started to malfunction, it took my money all but {$5.00} from which it kept spitting the {$5.00} back out..Than a box popped up on the stating it was an error ... I then started to press buttons because I assumed the screen was frozen, then I pressed withdraw to try to get the atm to work but It DID NOT withdraw anything then my I attempted to put the {$5.00} back into the machine and it would not take it finally the atm kicked out a receipt telling me to call a number I went home and called customer service to confirm that the atm had accepted my transaction, after XXXX hours of being hung up XXXX, not believed, nor documenting what I told them that happened they took it into their own intuition to write the claim up like they wanted to, they stated lies because the atm said that I didnt deposit anything and it said that I had withdrew money which was a lie, I didnt withdraw a dime, I was depositing money to buy a coat and pay my child support.. Not until Friday XX/XX/XXXX did I finally find a rep to help me out and document what had happened to me, now they have denied my claim they gave me a temp credit on the {$170.00} but I am still missing {$200.00} because Boa would not credit it for some unknown reason that was money that was going toward my child support, which if it not paid this week it will cost me my license suspension and possibly jail time, if they do not hurry up and research this and see that I did not withdraw any money but did I deposited XXXX on top of what was in the account.This situation will need assistance of a camera or a professional to overlook this situation because if that XXXX that Boa owes me is not paid by wed XX/XX/XXXX XXXX this ... child support and license situation is going to cost Boa more than the XXXX that I am owed, and they stated the machine did not malfunction then why do I have this receipt telling me to call this XXXX number...... if this isnt resolved better by tomorrow fdic, federal reserve, ombudsman, will be contacted XXXX because Im at a point in my life where Im refuse to get upset im just not going to allow these trillion companies to XXXX me, and if I stated that I lost {$370.00} why would you just credit a portion of it ... .but if your csr and supervisors would have done a better job then this would have been resolved instead I had to talk to XXXX individuals who did not want to help me, 3 days later I found 1 person that believed me enough to document this correctly, once this Is over or I have my money back in my possession or this is resolved then I will be looking for a more trustworthy bank that doesnt try to turn me into the XXXX when their system fails Thank you, XXXX XXXX claim # XXXX
Product: Student loan

My student loan is still acruing interest despite me being in the save plan and in forbearance. I let Nelnet know last month. The customer service agent at Nelnet said it would be corrected. I checked my balance and my loan is still acruing interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank CAPITAL ONE AUTO FINANCE is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was contacted by a company referring to themselves as commonwealth associates. The person I talked first to said he was lawyer and didnt give me his name. He had all of my personal information SNN, addresses, and email. They informed that I was being sued due to a debt that went unpaid for a private student loan. I asked for information but was greeted with rudeness and threats for arrest and court summons then he hung up on me after refusal to pay on the phone. I called back to try and working things out. I asked them for verification of debt, but was met with refusal. I told them I wasnt paying anything until I got verficiation. They sent me a so called stipulation via email without telling me what it was. The original debtor was XXXX XXXX which is an online college I attended. The last person I talked went by the name XXXX XXXX, and he informed that they were looking into garnishing my wages or taking my tax or they would send a court summons. I cut him off before he started asking me questions. I told him he wasnt getting any personal information from me. He said Ill take that as you want me to send out the court summons then and hung up. I reached out to XXXX to confirm the debt, and was told by one of their representatives that there was no private loan debt of {$3700.00}. I also asked if I had anything sent to collection and she said no other the {$2700.00} that I already paid in full. I then reached out to XXXX XXXX XXXX which was the original company that XXXX has sent the debt to. The representative there stated that I paid in full. I told her about the situation. She said that its a scam and she will file a report with her company. Commonwealth Associates also contact my parents and gave it my SSN to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving XXXX since XXXX  I've been on XXXX since XXXX XXXX XXXX Medical Bills have been covered since XXXX To this date I have reports on my credit score the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the XXXX XXXX, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local jail... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, this company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for this account. This debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, this company has violated my rights as a consumer and I am requesting action to have this account removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My credit file appears to have been compromised again. Upon reviewing my records, I found numerous items that do not belong to me. According to my research, under Section 605b of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. These disputed items do not belong to me. Please remove them. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : - XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$25.00} XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$150.00} XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I, XXXX XXXX, tried to activate my Netspend card and they wouldnt let me, I provided all my information needed and they wouldnt give me a refund or activate my card, Im out of XXXX dollars right now because their company is terrible, they asked for all this information that I provided but still said it was incorrect, I bought a gift card for XXXX dollars and they expect the gift card to have a name and social security number on it? How does that make sense its a prepaid gift card! Ive been trying to get a refund for weeks but no luck
Product: Credit reporting or other personal consumer reports

This is to follow up in regrads of the repeated failure to remove the fraud items from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$11000.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XX/XX/year>.
Product: Vehicle loan or lease

I had auto Loan account Loan was for is for {$15000.00} Amount I paid entire loan {$29000.00}. Loan contract was signed on XX/XX/XXXX Original Rate on agreement was XXXX. % for 60 month terms that would have matured in XX/XX/XXXX. Santander bank misrepresented the terms of the Extensions and did not state that my rate would increase. The Respondent misrepresented to me the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C.

I did contact the Executive Complaints office that reopened my account to be settled as I was not informed on the filing of the charge from the Attorney General as they did not send me any information due to not confirming my correct address which i always updated. I was never provided any information on this case and how I was clearly a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is not reporting payments accurately. The following payments are not on my credit report as paid.
XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Product: Checking or savings account

Yesterday ATM attached to my bank, ( Santander Bank ) malfunctioned after counting my {$470.00} cash deposit. It read can not complete and spit my card out. I immediately pulled up, parked and ran in to tell teller. Teller told me she cant help. Call customer service #. I did that immediately still at the bank. Was told by customer service they would look into it. Will take up to 90 days. May qualify for a provisional but not sure. Called today and was told nothing more other than they will try to get this straightened out. Also mentioned not all claims are refunded. Horrible and now feel out of {$470.00}. No help
Product: Credit card or prepaid card

Barclays Credit Card - continuation of CFPB Complaint # XXXX After reviewing their resolution multiply errors were founded in their response regarding bank debits and credits and the numbers of transactions without providing additional tracking information beyond general statements. The initial payment was accepted by Barclays on XX/XX/XXXX ( the automatic payment date ) and taken out of my bank account of {$2100.00}. Yes a stop payment was placed on the duplicate bill of {$2100.00}. Their statement of Period of XX/XX/XXXX - XX/XX/XXXX states payment received on XX/XX/XXXX. The stop payment of duplicate payment took place on XX/XX/XXXX. I feel Barclays did not provided inaccurate documentation and tracking off payment. My credit union provided Barclays with tracking numbers and the necessary information. Barclays have provided me with information that clearly does not match my bank statements. Barclays did state that duplicate billing issues occurred during this time period and I feel their system reflects errors of payment. 

I dispute that my XX/XX/XXXX statement was not payed or this case should not have been closed.
Product: Credit reporting

Due to difficulty obtaining my Experian credit report, I filed complaint XXXX and received a copy. At the end of the report under social security number an incorrect social security number is list with the last XXXX numbers XXXX. My last XXXX numbers are XXXX so the listed social security number is not mine and should not be discussed in my credit report. During the past two years I have had a mistaken identity issue which is documented in a series of complaints that I recently filed with CFPB. The mistaken social security number gets reported to the credit reporting agencies along with the erroneous information such as collection actions that I have previously documented and had removed. As a result of these complaints, the mistaken identity name and social security number have been removed from my other XXXX credit reports. It needs to be removed from the Experian report.
Product: Mortgage

On XX/XX/2020, M & T Bank accepted a completed form to request automated payments to the HELOC. They have never initiated the automatic payment service and they continue to send bills that are incorrect and show additional money due. M & T is also charging late fees for the amount that they claim has not been paid. In the mean time the correct payments are being made each month. The minimum monthly payment is about XXXX, the fees are XXXX per month, payments of XXXX per month are being made but the bank still claims the payments are not adequate.
Product: Debt collection

As i checking my credit score, The bureaus debt solution has bought my debt but sold it to debt XXXX XXXX. But on my credit report the bureaus still reporting i owe them money and it's was first started on XXXX I lived in XXXX  and i believed that this debt should not be in my credit.. its been 8 years
Product: Credit reporting or other personal consumer reports

I AM BECOMING VERY ANGRY WITH THE LENDER AND TRANSUNION!!!!!!!!!!! 
I HAVE BEEN SUBMITTING THIS ACCOUNT FOR OVER THREE MONTHS GOING ON FOUR THIS IS RIDICULOUS AND IS DESTROYING MY CREDIT HISTORY! I AM DEMANDING REMOVAL I WILL NOT LIE ABOUT PAYING A VECHILE OFF. THE CAR WAS TOTALED AND I PAIDED THE BALANCE. IF THIS ISN'T REMOVED FROM MY CREDIT REPORT BY THE MONTH OF XXXX I'LL BE FORCED TO TAKE FURTHER ACTION BECAUSE THIS IS ILLEGAL TO HOLD SUCH ACCOUNT AGAINST ME WHEN IT HAS BEEN PAID.
Product: Mortgage

Loan depot placed insurance at {$12000.00} on XX/XX/XXXX. 
I supplied full coverage from XX/XX/XXXX till date to Loandepot Loandepot refunded {$6500.00} for the coverage starting from XX/XX/XXXX. 
Loandepot refused to refund the remaining part saying they never charged ( have recorded phone conversation with Loandepot insurance department )
Product: Checking or savings account

On XXXX/XXXX/XXXX I saw a pending XXXX XXXX transaction for {$1000.00}. I immediately called Chase and advised them of the fraudulent transaction. Chase deposited the provisional credit on XXXX/XXXX/XXXX and sent me a final resolution on XXXX/XXXX/XXXX. They advised that my fraud claim was denied because they were unable to validate their chargeback. The letter stated the provisional credit will be reversed because " the compelling evidence did not allow them to validate the claim ''. Chase stated because they were not able to chargeback the transaction that Reg E allows them to reverse the credit. In XXXX/XXXX/XXXX the provisional credit was removed from my account. Chase confirmed that the transaction was done online and unless I can prove I did n't do it they do not have to give me back the fraudulently deducted funds. They further advised the funds were sent to XXXX. I do n't even have a passport, please help me. 

The kickers is that I have not authorized chase to overdraft my account, this transaction overdrew my account. I later was informed that someone at Chase overwrote the overdraft decision to allow this transaction to proceed.
Chase Claim # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Below are the details of the disputed account : Name of Account and Account Number : XXXX - : XXXX