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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name : Department Of EducationXXXX Acct XXXX XXXX ( Dept of ED/XXXX  ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX, the Original Guarantor is DEPT ED/XXXX  XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX, XXXX or Equifax. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX, XXXX and Equifax receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Product: Debt collection

This company is practicing UNFAIR LENDING practices AGAIN and not cooperating with information. Ocwen/PHH Mortgage company FORCED us into bankruptcy yrs ago because they REFUSED to accept any late payment. They have continually gone up on house pmt, escrow, Despite us getting our taxes ( appraisal ) lowered. NOW, they are REFUSING to talk with us about our mortage and the discrepancies in the NEW HIGHER pmt, unapplied pmts, and monies is Hold acct. They told us they can't even SPEAK with us without attorney permission Suddenly. This bankruptcy is several years old. They will not say Why the change, if it is Law, etc. Mortgage company will not give us any telephone number, email or contact information. We called the attorney and they were outraged also. 

Loan is under XXXX XXXX XXXX XXXX Account : XXXX My payment was XXXX It is now XXXX and they are saying it just went up AGAIN, even though we are at the top of arm, taxes were lowered and insurance stayed the same. OCWEN/PHH IS A THIEF, everyone knows it. All the lawsuits prove it. And them flat refusing to have a conversation Now even though we are paying on the account and even though it has been in bankruptcy for years is just another stalling tactic. INVESTIGATE
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions was authorized I was charged fees do to lagged posting of charges a credits. This issue aligns with the recent crib findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair an request a investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting
Product: Credit reporting or other personal consumer reports

My phone which was on payment plan with XXXX XXXX XXXX was damaged. I had been paying for a protection plan for the phone and submit a claim with their insurer. The insurer delivered a new phone and a pre-posted return box. I returned the broken phone. I then cancelled my service with XXXX XXXX XXXX in good standing, paid off the remaining balance on the new phone and ported out my number to XXXX XXXX. Three months later, XXXX XXXX XXXX charged my credit card a " non-return fee '' according to their insurance policy. I checked the USPS tracking number and verified that the phone was returned, delivered, and signed for by their returns department. I contacted XXXX XXXX XXXX about this, but they informed me that since I ported out my number they could not locate my account. I disputed the charge with XXXX XXXX, provided all the documentation including showing that my account was paid in full and that the broken phone was returned. XXXX XXXX XXXX rejected the dispute, so I reopened the dispute with XXXX XXXX. XXXXXXXX XXXX  XXXX failed to provide proof that the charge was valid, so the charge back and credit to my account stayed. XXXX XXXX XXXX then hired a series of collections companies to attempt to make me pay for the fraudulent charge. XXXX XXXX XXXX put a derogatory collections account on my Experian and XXXX credit reports. I started a dispute with Experian and provided them with all the evidence proving that the charge was fraudulent and invalod. The outcome of the dispute with Experian was that XXXX XXXX XXXX maintains that the account is past due. They did not offer any contrary evidence supporting the validity of the charge and did not perform an adequate job of investigating and correctly reporting my accounts. This negatively impacts my credit score and obtain credit and financing on favorable terms. The impact to my credit report was going from a score of approximately XXXX down to XXXX.
Product: Credit card or prepaid card

# XXXX XXXX You sent me letter closing above cases due to info requested not supplied I send two documents XX/XX/XXXX to XXXX ( copies attached so please do not make false accusations ) I provided the calcualtions for my bills and why the two disputes Please credit me again and open this dispute I wish to open case again and credit me again my {$17.00} amd XXXXXXXX XXXX from XXXX XXXX that was rebilled purchase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after reviewing my XXXX credit report on ( XX/XX/year> ) 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) 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 nor 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: Checking or savings account

My direct deposit from employer is missing. No access to funds.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - tied up
Product: Student loan

Navient Told me I as in the program to work towards Public Service Forgiveness. I've been paying for 4years and recently found out it was all a lie. And I have to sign up for other program and start the " 10 years all over ....
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). The account in question contains several inaccuracies that must be corrected or removed immediately to comply with federal 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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

( statement of pertinent facts ) Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an account opened at XXXX on XX/XX/XXXX under the account number ( private ), and another account opened at XXXX Funding on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned personal loan accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The problem started with the inability to pay my account online. I was on hold with client support for over an hr. They took my name and number and were going to call me back within 24 hours. That was on a Friday in XXXX. I called back on Monday as I had not heard from them. The person I spoke with was unaware of the issue. I tired to make the payment again online, but the same issues were present. They again said they would escalate it to their IT team and get back to me. The following Wednesday I called and for a third time, it was the same issue. On the following Friday, I received a phone call from the creditor advising me that my payment was late. I explained the issue and was willing to pay the account in full but I did not want to pay the fee for making a phone payment. I also said I did not want the late payment to report to my credit as it was not my fault their system was down. The person I spoke to and their supervisor both said they were " unable '' to remove the 30 day late on my credit. I adamantly said " if you do not remove the late on my credit, I want the account closed ''. The closed the account that day. However, it has reported late on my credit every month since XXXX. From 30, 60, 90, 120 etc. It has lowered my score significantly.
Product: Credit reporting or other personal consumer reports

Unrecognized Hard XXXX  listed below : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX  Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Dealers, New XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account was charged {$960.00} to my Paypal card. I filed multiple claims and appeals and have not gotten this resolved. I was told to file a police report in which I did. I was then told no further information was provided and I would not be refunded. This is a large charge in the middle of a pandemic I did not purchase. PayPal refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX    Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with  XXXX  and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
Product: Mortgage

I escrow my homeowner 's insurance, which was due on XXXX/XXXX/2015.The check from my mortage company arrived XXXX/XXXX/2015. I had to pay {$660.00} of my own money to keep the policy in effect ( which my insurance company will now refund me ). My morgage company ( XXXX XXXX XXXX XXXX uses XXXX ) representatives have been very nasty and unhelpful. They claim that they never got a bill from XXXX XXXX XXXX before XXXX/XXXX/2015. XXXX XXXX said that they sent bills on XXXX/XXXX/15, XXXX/XXXX/15, and again on XXXX/XXXX/15 which they then paid.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Equifax maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it  from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research as known as XXXX. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in  court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues failing forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Checking or savings account

On XX/XX/22 I accidentally transferred {$7000.00} dollars from my Wells Fargo Checking account using Online Bill Pay to an old/closed credit card with XXXX XXXX XXXX XXXX This card has not been used in >8 years ( maybe more ). Per XXXX XXXX XXXX they have not received the money since the credit card has been long closed, and there is no accompanying bank account associated with the credit card. I have spent hours on the phone with Wells Fargo talking to low-level call center employees who tell me that they have to " research '' the issue. However, it has now been XXXX month and Wells Fargo has not returned the money to my account. They are unable/unwilling to give me a receipt or any other proof that the money was indeed sent to and received by XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's ( Transunion, XXXX, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX
Product: Debt collection

I was contacted regarding a debt from 2001. I was sent a letter by XXXX and XXXX out of California. I did an XXXX search and no results found. I believe it is fraud. They threatened a lien.
Product: Checking or savings account

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Product: Checking or savings account

Venmo has frozen my account for transferring from venmo to paypal. They froze it 7 times for the same action sending money from venmo to my paypal. I've done it several times before now thy are having me wait 6+ days to offer any help. I want to access my money for doctor appointment and can't. I am closing my account once I can transfer my money over to paypal. No information is different or has changed.
Product: Consumer Loan

receiptI wen t to Conns and w as approved to purchase a computer from there on credit. I accepted the terms of the agreement and also purchased insurance to protect the computer. After having it for about 6 months to a year ( give or take ) I started having issues with the computer and remembered I had purchased insurance on it for the length of the contract. I brought it to the store in  XXXX  Texas and drop it off for repairs. I spoke with and handed it to my salesman  XXXX   XXXX . I receive a receipt and wa told they would call me once it was repaired. Nearly a month went by and I called and asked was the computer ready, I was told they would have to call me back and advise as they would need to call to check the status as electronics had to be shipped out. I did not receive a call so I went to the store the next day to make my payment and ask again. They were still unable to give me an answer. I advised them at this time that I would NOT make the payment on an item I did not have due to them loosing it. I spoke with my saleman aga in (   XXXX    XXXX    ) a nd he said he would do everything he could to get this take care of. I called their corporate office in  XXXX  to advise of the issues and was told they to would reach out to me once it was resolved but still to date I have not been contacted. Also, I am unsure as to why this is still reporting to my credit file due to the age of which the first " late payment '' was in reality verses what they show.