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

In response to my previous dispute/complaint, XXXX claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via XXXX XXXX and ca produce a XXXX  They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have XXXX XXXX XXXX accounts and have only ever had XXXX, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were XXXX bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with CXXXX XXXX, TD Bank XXXX, XXXX XXXX XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

XXXX XXXX XX/XX/2023 TD Bank XXXX / XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having insufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

Trident Home Loans financed my home with fraudulent documents and used my employment paycheck as a payment on the property with the legal written promise it would be signed over into my name.
Product: Credit reporting or other personal consumer reports

My MOHELA outstanding balance was XXXX, but the 2 credit agencies, XXXX XXXX XXXX failed to update my credit despite of numerous disputes. I contacted the EDFINANCIAL but they have no more record regarding my student loan balance because I was given forgiveness on my loan from MOHELA.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a bankruptcy on my credit report by LexisNexis. The Bankruptcy XXXX  has confirmed in writing that they do NOT report to any credit reporting agencies. Despite providing LexisNexis with this official document from the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXt, they have continued to verify the bankruptcy without a legitimate source.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), LexisNexis is required to ensure the maximum possible accuracy of information reported. Since the court itself does not provide this data, LexisNexis must disclose its method of verification per ( 15 U.S.C. 1681i
( a ) ( 6 ) ). Failure to do so means they are inaccurately reporting and violating my consumer rights.

I am requesting that LexisNexis either provide documented proof of their source or delete the bankruptcy from my file immediately. I have attached the letter from the Bankruptcy XXXX confirming that they do not report to any credit agencies.
Product: Debt collection

Kirkland is attempting to collect on a debt for an illegal payday lender named XXXX. They have called my work number after I 've informed XXXX XXXX and another company affiliated with Kirland that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another XXXX of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. Kirland violated the FDCPA by contacting me at work after I 've asked the original creditor, Kirland 's affiliate, and Kirkland not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}
Product: Mortgage

I'm making this complaint for the return of my private mortgage insurance for which I have been paying to XXXX mortgage company from XXXX to XXXX in the amount of {$130.00} dollars a month my research indicates I am qualified and should be refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting of negative information on my accounts an refuse to remove them
Product: Debt collection

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : VANCE AND HUFFMAN LLC Date fraud began : XX/XX/year> Date that I discovered it:XXXX Total fraudulent amount : {$2000.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Credit card or prepaid card

I have had two CitiCard accounts since XX/XX/XXXX (Simplicity, Diamond Preferred) and one since XX/XX/XXXX (ThankYou Rewards).  It was brought to my attention this morning, only after logging in to my accounts, that I have XXXX credit available for purchases and XXXX credit limit listed on the accounts. I was not contacted by CitiCards regarding any changes to my accounts. I have paid CitiCards each and every month since opening these accounts, sometimes twice per month,  and have never been late with a payment. I was advised by CitiCards Client Services to reach out via fax for more information on this discrepancy.  I asked them to please contact me as soon as possible to discuss as this has caused a major disruption, or please provide a contact name and phone number to the person at The Office Of The President so I may reach out to discuss.I haven't received a response and customer service will not speak with me about the accounts.
Product: Debt collection

I have a collections account that was purchased by XXXX XXXX  XXXX for an collections account for XXXX. I have been paying XXXX XXXX  XXXX and processed a settlement with them and Now I have William rush and associates calling me trying to collect on the same debt. I need validation on the debt with William Rush and associate, I need the original sign contract showing penalties that could possibly e applied to the org balance, papers showing the they are the legal of the owner of the debit. I have requested documentation and all they tell me is no, they will take me to court etc.

I need the William rush and associates account removed from my credit since I feel it is not a valid account
Product: Credit card

This is second time this happened at card renewal time Cards never sent to me until I asked and came in XXXX when cards expired in XXXX Why renewal not automatic? 

This complaint involves fraudulent XXXX charge XX/XX/XXXX {$10.00} on my card that should be removed. The other charges XX/XX/XXXX {$13.00} was removed I talked to Fraud Dept 10 days ago and they assured me this charge would be removed and new card sent in 5 business days. 

I have not received cards for renewal XXXX XXXX XXXX  XXXX XXXX as promised as of XX/XX/XXXX In addition {$10.00} XX/XX/XXXX XXXX charge has not been credited
Product: Student loan

I have been working for Public Service Loan Forgiveness since graduating from medical school in XXXX. I consolidated my loans and set up automatic payments ( usually by XXXX XXXX House ) direct from my bank accounts. I changed my loan servicer from XXXX XXXX, whom I found very capable, to FedLoan. By XXXX of XXXX, I noticed that their count of my qualifying payments seemed to be far short of what I expected. I asked them to review. They counted it as a request to see if I qualify and told me I did not. I called again, asked for help, was told a ticket was being opened, and received a packet in the mail with copies of payments from previous loan servicers, such as XXXX XXXX, XXXX, and even DirectLoans, I believe. There was nothing to help me understand the codes listed, what the information actually was, or how it translated to the count that FedLoan was telling me. I submitted paperwork again to certify my payment count around the end of XXXX, and was told I had not made enough payments. I called customer service to ask for help, and from that call was sent a letter documenting balances and payments made in XXXX and XXXX ( most of the payments I believe are being counted erroneously are from XXXX to XXXX ). So those were useless. I called again ( I am not sure which month, estimate around XXXX or XXXX ), and did finally speak with a CSR who agreed that because of the reason for the payments not counting, " Out of Window '', ie paid after the due date for that particular payment, all in a row, for nearly every loan, that it looked like essentially something had been shifted in terms of what due date a specific payment was being associated with. Those account for 3 years worth of payments. Another 7 payments ( x XXXX loan account numbers ) don't qualify because they could not find a bill for that particular payment. It seemed like at least the Out of Window payments would be manually reviewed and reconsidered as qualifying. I then received notice on XX/XX/XXXX that they felt all counts were correct. I called again on XX/XX/XXXX, and was told the only option was to request a manual review again, so I did. I am still waiting to hear back from that, but am not confident that they will do it correctly the second time around. I have been caring for underserved patients for 11 years now, paying off my loans the entire time. FedLoan is incompetently handling my PSLF and is bailing out anyway in XXXX.
Product: Student loan

I am requesting forgiveness of my student loan in the amount of {$88000.00}. I am currently facing significant financial hardship that has made it impossible for me to repay this debt, and I would like to explain my situation in detail. 
Due to my low XXXX XXXX, I have been unable to obtain higher-paying jobs that would allow me to manage my loan payments effectively. Furthermore, I am not eligible to return to graduate school at XXXXXXXX XXXX to improve my academic record and career prospects, as my XXXX XXXX does not meet their graduate admission requirements. 
With the current cost of living and an annual salary of {$40000.00}, I am struggling to make ends meet. This financial strain is exacerbated by the burden of my student loan. The presence of this debt on my credit report has severely impacted my debt-to-income ratio, preventing me from purchasing a car or renting an apartment. This situation has placed me in a precarious financial position and has limited my ability to improve my quality of life and pursue better opportunities.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : The XXXX XXXX  XXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted to send money to XXXX as I had several times before using the WESTERN UNION ( WU ) Online website. They suspended my use of the website ( XX/XX/XXXX ) without explanation or resolution. I was then forced to use a WU store agent to complete any further transaction. A store transfer ( XX/XX/XXXX ) was also cancelled after using that method several times, again, without reason being given, or any way to resolve the issue, of WHY the cancellation occurred. <P/> I again attempted to use the online site to transfer money internationally on XX/XX/XXXX, WU send me an email that said the transfer had been approved and was available for pick-up, but that too was cancelled on the same day.
<P/>
No one at WU will provide a good, or even ANY reason why they have terminated my use of their services, to a person known to me. I have attempted many time to solicite a reason from WU customer care representatives via the phone, and they cite " regulations ''. What regulations is a total mystery. I can not even get which Federal Reg. is being used to cancel my service requests. I have also emailed XXXX without replay, three times. If they require ID, or any other documentation from me to authorize transfers, they have NOT asked for it, nor have they indicated a method by which to resolve the issue. Oh, they did refund the money I attempted to send. I did not want the money refunded. I was sending it for a personal reason! This is absolutely an atrocious situation. In fact, cancelling my transactions is a violation of my Constitutional Rights, without having the case heard in a court of law.
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 consumter rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXXXXXX # XXXX Account- XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX has violated my rights. I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( 2 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

this account doesnt belong to me these need to be removed asap
Product: Checking or savings account

Hello. I was the victim of tax related identity theft in the year XXXX. Someone used the XXXX tax year to file a fraudulent tax return in my name, and they changed the banking information I had on file with the IRS from my bank, Bank Mobile Vibe ( now XXXX ) to XXXX XXXX XXXX. As a result, the first Economic Impact Payment of {$1200.00} was deposited into XXXX instead of XXXX. 

After more than three years of getting the run around from the IRS and XXXX, yesterday I received a check in the mail in the amount of {$1200.00} from XXXX XXXX XXXX as compensation for the stolen EIP. 

However, when I tried to deposit it into my Bank Mobile account by remote check capture, XXXX rejected the check. The stated reason was, " we have reason to believe the check is uncollectible. '' But beyond that " reason '' they did not provide a " reason '' they believe the check is uncollectible. Do they know something about XXXX that I don't? Has XXXX filed for bankruptcy and Bank Mobile " believes '' the check will not clear? 

I am under the impression this is a compliance violation. Now I must go the entire week end being left in the dark about funds I urgently need. I have met with considerable difficulty and resistance just getting the check. It has been such an abusive experience treating me like I am supposed to live without money, as if I can spin gold out of straw, to have my needs go unmet, obtusely, and abusively, by the financial services industry. 

I will attach a copy of the check and letter from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wells Fargo Credit card has not report since XX/XX/2020. Since that time Wells Fargo should have reported twice. It is still showing my outstanding balance as {$7600.00} from that date. Since then I have paid my account down to {$2800.00}. I have called Wells Fargo last month and this month and they have not been able to rectify this situation. I have also sent them a letter 0n XXXX XXXX concerning this situation and there hasn't been any response from them.