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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX haS violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Recently, on or about XX/XX/2022, was guaranteed a loan modification by a staff member. 
XXXX of 2022, Sent in an appeal and never got a reply, as promised. Instead, got a notice of foreclosure. 
Numerous occasions, was assigned a Relationship Manager with a " supposedly '' direct phone number to this person, and every time, the phone was answered by a collection agent. I was told on XX/XX/2022, that when a customer requested to speak with the Relationship Manager, that the collection agent was not allowed to connect the customer with their Relationship Manager. 
Was told on multiple occasions that I was not to make a payment on my mortgage until the modification process was complete. This has been going on for over three years. 
Having to tell and retell my story over and over again, in excess of 50 times as they did not keep notes as to what my problem was and why I was calling.
Product: Student loan

I refinanced my loans away from FedLoan. A payment was made in the amount of {$10000.00}, however FedLoan misapplied the payment equally across all of my loans rather than paying off the higher interest loans I intended and instructed it to. It should have instead been applied towards paying off the following loans, in full, in order : XX/XX/XXXX Direct Sub Stafford Loan ( 5.75 % ), XX/XX/XXXX Direct Sub Stafford Loan ( 5.35 % ), and XX/XX/XXXX Direct Sub Stafford Loan ( 4.25 % ). It should NOT have been applied to the XXXX Direct Sub Stafford Loan ( 3.15 % ). This will cost me much money in the long term, as now the higher interest loans have not been paid off as instructed while the lower interest one has, earning FedLoan more money than they are entitled to ( at my expense ). Please fix this payment issue and correctly apply the payments to the loans as they should have been applied in the first place.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting to transunion and XXXX my students loans twice to the credit agencies... Once with the correct loan balance and a second time with an outrageous loan balance of about XXXX k. I disputed this stating this exactly and after a month the dispute said it was resolved yet nothing was removed from my credit report. They simply put " accuracy-other '' and updated my loan balance remove about XXXX dollars from the balance of the original loan balance. They left the incorrect loan balance on my credit report. So as of now I have two loan balances on my credit report still. One that is my actual federal student loan balance and another completely wrong one in the amount of XXXX XXXX dollars that is completely wrong and I have nothing to do with. I have never taken out half a XXXX dollars with the federal government.
Product: Credit card or prepaid card

On XX/XX/20 I called to file a complaint about overcharged amounts from XXXX. They placed me on hold for over 6 hours. Yesterday I finally got through to an agent in the fraud department who answered like I woke her up, was extremely rude and hung up on me. Today I held for another 6 plus hours and in the process of speaking to someone in the fraud department mid conversation I was disconnected again because it was after XXXX and that department closes at 9. You can not get through or receive a call back. I want this issue with XXXX  resolved and to close out this account and receive my State funds in another way. This is a financial institution and you can not physical go to any location or reach anyone via phone or email to resolve issues.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Product: Debt collection

They keep calling me about my cousin debt and I have asked them to stop calling me, the XXXX XXXX threated to contact my girlfriend and send mail to her regarding this. Once again this is not my debt.
Product: Checking or savings account

I placed orders with merchants XXXX XXXX transactions and XXXX XXXX transaction on XX/XX/year>, as of today XX/XX/XXXX transactions are still pending. Cashapp said they allow merchants XXXX  days, yet they still will not settle these transactions. Holding my funds. And XXXX merchant XXXX owes me a {$19.00} refund. I sent a screenshot of the proof I was to receive a refund and Cashapp still wont do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and a victim of the XX/XX/XXXX Equifax data breach. The following accounts and credit inquiries are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX , XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. These fraudulent accounts and credit inquiries are from my personal information being compromised from the Equifax data breach in XX/XX/XXXX.
Product: Checking or savings account

FDIC Ref. No. : XXXX Two months ago, I was opening new disputes, and my checking account was good to use. But Two weeks or, my checking account was restricted due to my unusual activities. At the same time, i received one letter from capital one, and it said they wan na end relationship with me. I tried to ask capital one why my account was restricted and why they wan na end relationship. They said I have mutiple unusual activities. I didn't know why they did it, and they didn't tell me more. I tried to call them mutiple times, and i wan na get my money back. They said once my claim was closed, they would send me close-out check. Why? I couldn't wait. That's my family 's money, and i need it today or right now. Why can't i get it back. That's ridiculous, and what capital one did made me disappointed and angry. No matter what, i wan na get them back. That's why i am here to complain the capital one. 

Not just that, one supervisor of protection resolution team talked to me, i tried to need help from him, but he hung up without listening to my help suddenly.
Product: Checking or savings account

Thursday XX/XX/23 I received an email from Chime stating all three of accounts were being closed immediately. My checking, savings and credit accounts. This is after my paycheck ws deposited. I called the number provided and was told they could not help me because it was a decision from XXXX. They also could not provide me with a phone number. I was told they only do email correspondence. So I have been doing that, but no one has been able to provide me with the reason my accounts were closed and now I must wait 30 days to get my money mailed to me in a check form. I also have no way of knowing what my balances are since I can not get into the system. 
The last email I sent was at XXXX XXXX and has gone unanswered. 
I have been banking with Chime for years and only had one other minor hiccup that they fixed immediately. This though is unexcusable. I work for a government agency and my direct deposits come from that so I do not know how something like this can happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Equifax to confirm the disputed accounts and take out them if unable to show that the accounts are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Equifax is guaranteed to fulfill with the FCRA regulation section 605b but regardless of all my labours to notify Equifax about the theft of my Individuality and that the accounts were never mine, Equifax never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. I am determined to take legal action against them but I will be lavish enough to give Equifax a couple more chances to verify me wrong about my conclusion.Once again, I am urging Equifax to get rid of the following accounts completely from my File with or without appropriate verification since the time set to the Credit Bureaus to examine was already done. I need the following accounts removed now! 

XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Student loan

Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Once I had a steady income coming in I started making payments consistently and pay more than amount due. I've tried to get a goodwill adjustment for my student loans two years ago with no success. During this time I was building and correcting my credit report so my wife and I may purchase a home. In XXXX of XXXX we were able to do that. Now we are looking to refinance to receive a better rate but I would need the late payments removed. I would like to have the late payments removed or at least adjusted to one per month.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Inaccurate Credit Reporting Dear CFPB, I am writing to file a complaint against Experian regarding the inaccurate information being reported on my credit report. 

Today, I spoke with XXXX XXXX XXXX at XXXX PM, and they confirmed that the loan I settled with them on XX/XX/year>, is not a charge-off account. They received their payment on XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ), any inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days. A charge-off occurs when a creditor determines that a borrower is unlikely to repay several months of missed payments and subsequently writes off the unpaid debt as a loss. Such negative marksincluding missed payments, charge-offs, and collectionscan significantly harm a consumers creditworthiness. 

Given that XXXX XXXX XXXX has confirmed the status of my account, I respectfully request that you compel Experian to remove this account from my credit report due to inaccurate reporting. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card

I had a FirstUSA credit card for a very long time. Somehow in XXXX or XXXX XXXX, Chase took over and issued my credit card statement without giving me a notice. I have never received a chase credit card and the customer service claimed that after Chase and FirstUSA merged, they tried to send me a card but was returned. Chase charged me interest about $ 50- {$60.00} a month from XXXX XXXX until today. In XXXX XXXX, I sent out {$1000.00} payment so my balance reduced to {$3300.00} in XXXX. After this XXXX statement, I did NOT receive any account statements. Instead, Chase sent me a letter saying that I authorized them to deduct $ 100 monthly out of my XXXX Bank account from XXXX XXXX. I do NOT recall that I have ever given such authorization and Chase bank refused to provide any form or proof. Moreover, after the allegedly end month of the authorization in XXXX, Chase continuously cease $ XXXX {$60.00} a month without giving me any statement or notification. I found out about this in XXXX XXXX and I stop XXXX Bank from making any further payment. Chase bank customer service team start calling me on Saturday morning and keep sending me mails about the returned payment, but still did NOT provide any statements or authorization form that I requested long ago. 

Chase failed to notify me that they were taking over FirstUSA 's credit card business. 
Chase claimed that they could not mail me the card because they do not have my address, but they can send me all the debt collection related mail to the same address without any problems. 
Chase failed to prove that I have authorized payment between XXXX XXXX. 
Chase failed to provide account statement and failed to notify me the remaining amount of my debt, which cost me additional interest over these year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ;
Product: Credit reporting or other personal consumer reports

I am sure that you aware that current Federal case law states that, Consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed 1681 ( a ) ( 4 ). I have reviewed all three of my reports an noticed inaccurate information that I have asked to be verified an HAVE NOT been properly or formally notified which is against METRO 2 COMPLIANCE. They have NOT provided me, as requested in my first letter a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; 611 ( a ) ( 5 ) ( A ) ( a consumer contract bearing MY signature ) and under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. 

Account : XXXX. XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Experian : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the egregious neglect and procedural failure of the major credit bureausEquifax, Experian, and XXXX addressing and correcting blatantly inaccurate information on my credit reports. Despite multiple attempts to resolve these discrepancies, the bureaus have failed to take any corrective action or even acknowledge my disputes, which is both unacceptable and damaging to my financial well-being. 

I have disputed this information with the bureaus 4 times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, now XX/XX/XXXX. The Credit Bureaus NEVER sent letters back to notify me of changes or my updated Credit report according to XXXX XXXX. When I called each one, I was dealing with an automated response that would hang up after XXXX minutes I did not want to have to involve the CFPB, but feel I am left with no choice. Myself, being an older Veteran, can not keep spinning my wheels getting nowhere. 

The XXXX items in question are XXXX XXXX  XXXX - XXXX XXXX - XXXX and XXXX. 

Each time, I provided comprehensive documentation proving the inaccuracies and outlining the corrections needed. However, the credit bureaus have just ignored my disputes, and when I try and call, the automated system hangs up. I feel they are taking advantage of Consumers.

This repeated failure to address my disputes is not only a violation of the Fair Credit Reporting Act but also a gross negligence of the duty to ensure the accuracy and integrity of consumer credit information. I urge the CFPB to investigate this matter immediately and hold the credit bureaus accountable for their persistent failure to uphold their responsibilities. 

I trust that the CFPB will address this matter with the urgency and seriousness it warrants. My financial reputation and peace of mind are at stake, and I look forward to your prompt resolution of this issue.
Product: Money transfer, virtual currency, or money service

Beginning on or around XX/XX/XXXX, I contacted my bank -- XXXX -- to alert them to fraud on my account. This fraud involved a wire transfer in the amount of {$3500.00} from XXXX to Wells Fargo. 

I am a victim of employment fraud. After signing a contract, I was given instructions to buy office equipment to set up my home office and was sent XXXX checks via email to deposit into my XXXX account. I did so and then sent the wire transfer and cash transactions to the account number they sent me to pay for the equipment. 

The claims team at XXXX recorded my complaint and provided a case number. They began a wire recall request, which was denied because I had willingly sent the money. I received a letter from XXXX on XX/XX/XXXX to that effect. When I called XXXX back, I was told Wells Fargo responded to them, basically saying unless the funds recipient contacted them and gave permission to return the funds to me, the bank would not. 

My financial services advisor called Wells Fargo after speaking with XXXX, and despite being told the funds recipient obtained the funds illegally, my guy was informed " there is nothing we can do. '' I have filed both a police report and an FBI report and am working with a detective on the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts COUNTY OF XXXX XXXX, XXXX XXXX  XXXX, were not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.