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

XXXX XXXX XXXX charged my credit card {$450.00} in XXXX XXXX and was to have completed my account within 6 months. I watched from my online account and saw XXXX activity, contacted them and all the information I had sent them via emails were supposedly not received and started all over at that time. It 's been since XXXX and once again I have heard nothing so I tried to reach them via email and phone and none of my messages are getting through. 

XXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX XXXX ext. XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEM REFUSEL TO SEND ME THE ORIGINAL LEASE AGREEGMENT I CO-SGINED ON LEASE ONE YEAR FOR MY DAUGHTER WHEN SHE WAS IN COLLEGE STAYING XXXX XXXX XXXX THE LEASE WAS PAID AS AGREE AND PAID OUT IN FULL ADVANCE FOR ONE YEAR. ALSO XXXX XXXX XXXX NO LONGER IN BUISNESS. I NEVER CO-SIGNED LEASE AGREEMENT WITH XXXX XXXX XXXX XXXX. I HAVE REQUEST FOR THE ORIGINAL LEASE AGREEMENT FEW TIMES TO BE SENT ME I NEVER RECEIVED.
Product: Credit reporting or other personal consumer reports

To whom this may concern I have been dealing with navy federal bank for XXXX of last 2023 they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraudulent account name : XXXX XXXX which Experian is currently reporting and keeps updating without showing me actual method of verification of how they got the account updated
Product: Checking or savings account

I bank with Pnc bank. A charge came in for {$14.00} then another {$15.00} overdrawing my account by {$29.00}. I had funds in another account that shouldve been used. Pnc chose to transfer only XXXX and XXXX from another account allowing two overdraft fees of {$36.00} totaling {$72.00} to accrue against my checking account. When I recognized the issue, I immediately transferred the money to rectify the shortage. I thought the bank would have provided this courtesy. Instead it appears that the bank is only trying to take money from the customer during a economic hard pressed time.
Product: Mortgage

My mortgage was foreclosed on in XX/XX/XXXX. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in XXXX, XXXX, and XXXX. Real time response was that it would be corrected and removed by XX/XX/XXXX. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because they Realtime is doing this as they ca n't legally come after me. This is XXXX way to keep my credit report flawed.
Product: Mortgage

I sent a XXXX XXXX letter with XXXX and XXXX payment for my mortgage with PHH, Check number XXXX in the amount of XXXX. Received by PHHon XX/XX/XXXX and signed for by XXXX XXXX. Today is XX/XX/XXXX and the check has still not been posted to me account, I have emailed XXXX XXXX, account manager and XXXX, 3 TIMES and have received no response. None. I have called four times to speak with an agent and I am told to be patient. This is the most disgusting company, completely unethical. I am on hold now with agent XXXX, an escalation manager asking why it has not posted. He explained it is with the ombudsman department and the funds are in suspense. Cashiering has not processed. This is unacceptable. The agent XXXX said he will call me back 3-5 days which I said is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on all XXXX credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and TransUnion, XXXX and XXXX refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!
Product: Student loan

On XX/XX/2023, I requested to have my student loan payments refunded. 

About a month after. I saw my student loan amount increased from XXXX to {$11000.00}. To me this would tell me the refund went through and my account reflects that. 

It has been 5 months since and I have no received those funds, I called and each time was told that the process was simply slow. However 2 weeks ago I called again and simply asked them to cancel my refund and have my account reflect what it should be, they told me it got approved.

Last week I received a call from Nelnet stating that there's no refund to cancel, so it appears like the refund was processed on their end, but the funds were not handled properly.

I attempted calling multiple times after my previous call and each time waited about 40 minutes before the call disconnected on it's own.
Product: Debt collection

" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer
Product: Debt collection

I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the XXXX XXXX XXXX. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact MS SERVICES LLC on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, XXXX XXXX XXXX XXXX and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had XXXX unauthorized hard inquiries done. XXXX on XXXX. XXXX ; the other on XX/XX/XXXX. Both inquiries were done by XXXX. When I tried calling the bank, I heard a message saying that the number is invalid.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

Dept of EDXXXX refuses to give me any information on an alleged account that's under my name.

according to 15 USC 1692G there are four things asked Aidvantage to send me about this alleged debt. 1.detailed list of the history of payments made by me on this account. 2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.3.Im asking to see has any insurance claim file
d on this and lastly, I want proof that you have the chain of title to collect on this debt if you can not verify or send me these things I demand you remove this debt from my credit report under 15 USC 16 92g . they continue to report three different inaccurate reports in the same months to three different bureaus They refused and said they could not help me and are reporting three different things on my credit report violating my rights. I have submitted the proof of the cop XXXX XXXX of how its being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SERVICES INQUIRIES ON MY CREDIT REPORT IN THE AMOUNT 0F : $  XXXX . XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has decided to once again add fraudulent information that was originally submitted as identity theft back onto my credit report. I have to call them almost every month to get this resolved, and transunion continues to change the name of this credit account and then re add this back. 

I never opened an account with XXXX XXXX. I do not own this account, This account was opened as a Result of Identity theft. Someone stole my wallet, and then used my information to open this account. You already have an FTC Identity Theft Law enforcement affidavit on file with your Specialized Fraud team yet you still continue to re add this back onto my credit file after previously blocking this account. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} Owed < - This is not my account. Originally two months ago this was XXXX, then it went to XXXX and then to now XXXX XXXX. This account is fraudulent and should be permanently blocked per FCRA Law.  Please review my Identity Theft Affidavit that you already have on file. 
XXXX XXXX XXXX CARD SERVICES XXXX, GA XXXX Additionally Transunion allowed an inquiry from XXXX XXXX on XX/XX/2018 and XX/XX/2018 this is a fraudulent inquiry that I DID NOT AUTHORIZE.
Product: Prepaid card

I self-enrolled for the Wisely Prepaid Debit card in XXXX XXXX XXXX for my paycheck direct deposit and in XXXX XXXX XXXX I requested that wisely close the account and it shows the card as inactive with no indication of account closed, just inactive. I Sent a written request to wisely to close the online account and I received no response or communication from them. I called their customer support hotline and they said that I need to " Delete the app '' and i told them that doesn't delete my account and i can still login to my account, the rep hung up on me and all I want is for wisely to close the account permanently and remove any and all of my personal information from the online account ( Login and any and all access ).
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX XXXXXXXX customer service representative XXXX 

I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Product: Credit card or prepaid card

Thank you for taking the time to read this. 

I had an account opened over 5 years ago ending in XXXX and another one I had around the same time. This account was for about $ XXXX the other one about {$350.00} which I closed because I was just using this account. 

I am an XXXX best seller the name is dolce crafts you can find me there and see what I sell, my season its usually XXXX to XXXX, where I will buy everything I need in my credit card and pay right away, I have the cash but I use the card for security. 

I did that for 2020 and the year before, my card is used usually to the maximum but I pay right away too. 

I opened a checking account with XXXXXXXX XXXX  account and I send the payment to capital one which kept being taken away from my account and returned by capital one. They did this three times and closed my account for fraudulent activity. I spoke to both banks XXXX told me they have the money and didnt know why the capital one returned it. 

I called the bank and they just basically told me that my account was closed for fraudulent activity, with no explanation at all and nothing I could do. I was a customer for over 5 years and because of this they just closed my account. My account is in $ XXXX because it got paid before being closed. 

Than I opened a new account because I needed a credit card, this week they did the same so I tried to open a checking account and they denied it for the same reason. I was trying to just have checking account with them but I guess because of the same reason now I cant and now Im fed up. Because I havent done anything other then paying in time like I will be able to show you in the attachments. 

I think this is a really bad way of doing business. 
Attached is also my 1099T from XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Failure to Provide Verification Missouri Higher Education Loan Accounts Description of the Issue : I am filing this complaint against XXXX and the Missouri Higher Education Loan Authority ( MOHELA ) for failing to address my disputes regarding inaccurate information on my credit file. Despite multiple formal disputes and requests for documentation under the Fair Credit Reporting Act ( FCRA ), the inaccuracies remain unresolved, and no proper verification has been provided. 

The inaccuracies pertain to the following accounts reported by MOHELA under " Missouri Higher Education Loan '' : Account Ending in XXXX : Reported balance : {$8800.00} Last payment date : XX/XX/XXXX Account Ending in XXXX : Reported balance : {$2100.00} Last payment date : XX/XX/XXXX Account Ending in XXXX : Reported balance : {$1500.00} Last payment date : XX/XX/XXXX Account Ending in XXXX : Reported balance : {$3400.00} Last payment date : XX/XX/XXXX Specific Violations of the FCRA : Failure to Maintain Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The balances, payment statuses, and last payment dates of these accounts are inconsistent and unverifiable. 

Failure to Investigate Disputes : Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable reinvestigation when a dispute is filed. XXXX has failed to provide sufficient documentation or validation of the disputed information. 

Furnisher 's Duty to Investigate : Under 15 U.S.C. 1681s-2 ( b ), furnishers like MOHELA are required to investigate disputed information and report accurate results to the credit bureaus. MOHELA has failed to provide proper validation or address the discrepancies. 

Unauthorized Comments : Comments have been added to my credit file without my consent or approval, further violating my rights under the FCRA. 

Relevant Case Law Supporting My Complaint : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case highlights the requirement for furnishers to conduct reasonable investigations of disputes and provide accurate information to credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : This case emphasizes that failure to verify the accuracy of reported information constitutes a violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case establishes that credit reporting agencies must take meaningful steps to investigate disputed information and can not rely solely on information provided by the furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX  XXXX Balance : {$2800.00}
Product: Checking or savings account

Signed up for account with bonus from First National. During sign up, and even after deposit, they never showed me my account number and I was unable to ever create a login. Spoke to customer service and they would not give me my account number. I never received my debit card, account number and was never able to create an account. 

Its been months, and to this day Im unable to access my account, or my money. Ive requested them to close the account and mail my money multiple times and they refuse. 

This is straight up robbery and unacceptable. 

I belive first national is acting in bad faith, luring customers in with bonus, restricting access to account until they no longer can get the bonus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that it contains incorrect personal information. This has led to the appearance of unknown and inaccurate accounts that are not mine. This situation is extremely concerning and is unfairly impacting my credit.
Product: Debt collection

I disputed a debt on XX/XX/2022 in both email and by certified mail. I indicated a failure to complete my request would result in the claim not being considered. I received nothing in return from this company. Nothing matching any of the reference or account numbers listed on the original contact from them. 

Now I have received a collection letter for the same debt, from a different debt collection agency, who they have seemingly sold it to after failing to validate it. Unacceptable. These new letters also reference nothing related to me. 

Upon further XXXX, the original company has gone out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on your report or you noticed someone applied for something in your name. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!
Product: Debt collection

Today, I am writing to complain about the allege accounting and servicing transferred to you from XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and my need for a thorough understanding along with clarification of various attempted sales, sale dates, transfers, funding sources, alleged legal but illegal beneficial ownerships, current charges, credits, debits, transactions, reversals, actions, payments and analyses of all records related to the servicing of this account from its origination to the present date. To date, the documents and information I have reviewed from XXXX County ( to include my personal documentation on hand ) and the previous conversations with several XXXX service representatives by the name of XXXX XXXX ( Employee # XXXX ) and personal at Carrington Mortgage LLC. and XXXX XXXX by the name of XXXX XXXX who would not provide his employee number and the many other account managers, in which, I continue to have unproductive, evasive conversations and furthermore, have not answered many of my challenging questions. Im currently in possession of two letter ( one from XXXX and the other from Carrington Mortgage and both letter cancel out one another stating that each other company is the servicer, which has left me very confused ). I was also contacted my XXXX XXXX who stated, he allegedly bought my property for {$250.00}, XXXX ( This is constructive fraud ) and he threatened me and then asked if I wanted to buy my property back. Allegedly, my property was attempted to be sold on XXXX XX/XX/XXXX with a notice that I now have in my possession and then I was told that it allegedly was sold on XXXX XX/XX/XXXX. We had people coming to our home in the middle of the night and throughout the day while my kids were at home and looking in windows and placing notes on our door asking to buy our home a notice of a trustee sale on the day of XXXX XX/XX/XXXX. As it now stands, Im asking that this alleged indebtedness be forgiven or discharge immediately through your booking keeping entries and accounting ledgers etc. In addition, that acknowledgement be presented to me in writing within 30 days of receipt of this compliant and also the removal of any future duress ascertained over the past. It is my current understanding that XXXX XXXX XXXX ( of which your company acquired another mortgage note? ) and now your company may have also been accused of engaging in one or more predatory servicing of lending and servicing schemes that XXXX previously engaged.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX PayPal and XXXX  XXXX was fraud I want it off my file plz
Product: Credit reporting or other personal consumer reports

I was initially informed that no payment was due, and this was verified. However, XXXX weeks later, a payment was flagged as due due to a glitch in their system. I ensured the payment was made before the 30-day deadline and contacted corporate, who confirmed that there was no record of a late payment on my account.