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

I have tried to contact these companies and advise they have the wrong person, and nothing happens. 
Below are a list of these companies, this error is keeping me from buying a home. 

1 ) XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1400.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX Balance {$590.00} XXXX ) XXXX XXXX XX/XX/XXXX Amount {$2100.00} 4 ) XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Amount {$1400.00} 5 ) XXXX XXXX XXXX  XX/XX/XXXX Amount {$550.00} 6 ) XXXX XXXX {$1400.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XX/XX/2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and Transunion are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.
Product: Checking or savings account

I dont exactly remember the days but quite a few times my account has been hacked twice I did have the company tried to reimburse me for that amount but I did see some other feet on my account and I didnt complain but they said they will handle it, but it never has been solve
Product: Credit reporting or other personal consumer reports

I see multiple accounts on my report that are inaccurate and the credit bureau are violating my rights by not properly verifying and providing documentation of method of verification for my dispute. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) and 15 USC 1681 a2ai of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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 XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose
Product: Debt collection

n accordance with the Fair Credit Reporting act 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: Debt collection

They called many members of my family and friends. Telling them that I am delinquent and my house is going to have a lien put on it. this went on for many months. Telling many people about this situation. After they contacted my father. I called her and she advised she was with legal, and she wants to stop a litigation. Which I have received no information on. She said they will put a lien on my home. This credit is not on my credit report. I was very scared, so I paid it. Yet now I know there was no debt, and very illegal for what they did. My credit report did not even change.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

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

On XXXX XXXX XXXX, my bank account & all of my details were mysteriously unlinked from my cashapp account & replaced with details from an unknown person. I didn't recognize the details, nor do I know how they gained access to my account. Everytime I tried to remove their info & replace it with mine, they changed it back. Infuriatingly cashapp has no option to log out of other devices or see what devices have been logged into the account. Eventually, my account was locked a few hours later. 

I got an email on XXXX XXXX, XXXX saying my account was unlocked, however in actuality my account was just deleted, causing me to lose my previous balance. I previously had {$170.00} in the cash app balance, {$100.00} worth of XXXX XXXX, & {$20.00} worth of XXXX XXXX XXXX stock all through the app. 

I have made multiple attempts to contact cashapp customer support but each time they say they will investigate the claim & then never get back to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! XXXX bless you!
Product: Credit reporting or other personal consumer reports

I noticed my school loan account was reporting to all XXXX  of my reports. I was able to get it disputed off of XXXX credit reports, which is XXXX XXXX and XXXX. They refused to take it off of XXXX. And if you take it off of XXXX by law, you have to take it off of all. I've called in and requested for them to remove the account for my credit report, even though it's past statue of limitations, they still will not remove it. I've sent them proof that they need to remove it. They still have not removed. I disputed the account. They still have not removed it. I've done everything in my power to try to get this account removed and there's still no progress. So I am coming. to the CFPB to dispute the account that I have. on my credit report. account numbers, # XXXX, # XXXX original Creditor : Us department of Ed / XXXX Transferred to : Nelnet Loan Servicing
Product: Debt collection

This is the XXXX time I have tried to resolve this and this is now placed back on my credit by this company Eastern for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I called into experian today on XXXX XXXX 2024 in order to dispute some inquires on my credit report. I was transferred to the XXXX department in order to speak with XXXX about these inquires on my credit report. I explained to XXXX i was involved in XXXX data breaches in the last XXXX years that i was unaware of. I also let him know i did not apply for any XXXX LOANS IN 2023. After this XXXX proceeded to cut me off and let me know i couldnt dispute this info with EXPERIAN due to them not being the ones who placed the inquiry. He told me that he couldnt verify weather these inquires were valid or not. I then advised XXXX it is under the FAIR CREDIT REPORTING ACT HE SHOULD REPORT ACCURATE AND VERIFIED INFORMATION ON MY REPORT. He then proceed to advise he couldnt help me with this issue.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year>, I applied to refinance my truck through AutoPay after receiving an outstanding recommendation on XXXX XXXX Autopay called me and offered a significantly higher rate that what was offered in XXXX XXXX. When I spoke to the agent, I was told that my Experian Credit Score was much less than what shows in the Experian App which was updated through today. This is a bait and switch situation and not fair. Ive spent years rebuilding my credit to have unnecessary hits to it.
Product: Mortgage

I refinanced my existing loan with Mutual of Omaha Mortgage in XXXX - they sent me a letter that they were transferring my mortgage effect XX/XX/2021. 

I had called them a couple times to verify this and because I was having an issue with an escrow payment. XXXX XXXX originally didn't have the correct amounts or escrow money and was told that XXXX would get the correct info on XX/XX/XXXX. 

I asked specifically if I should pay Mutual of Omaha for the XX/XX/XXXX payment and they said definitely not to wait till XXXX XXXX had the correct info and pay them. 

So I paid XXXX XXXX on XX/XX/XXXX. XXXX of XXXX took out an auto payment on XX/XX/XXXX as well, even though I had XXXX autopayments in early XXXX so this wouldn't happen, since it had just happened to me when the refinancing happened. 

I called on XX/XX/XXXX when I saw they had taken out the payment they shouldn't have. First the initial person, not sure of her name, said it was because they still had my loan. which I argued with because they had sent me a letter saying as f XX/XX/XXXX it belonged to XXXX XXXX and they had specific told me on the phone to pay XXXX XXXX not to pay them. She then gave me to a customer service supervisor, XXXX ( spelling? ) who said the same thing that they still had the loan which I argued with her again that I was told specifically not to pay them and that to pay XXXX, I then asked her why they took out my auto pay when I turned off auto pay on the website, she acknowledged that it said do not draft but didn't have an answer to why it was taken.. She said she would contact the drafting department to turn it off an issue me a refund, She said she would call in XXXX to 2 days to let me know the refund was coming. 

On XX/XX/XXXX I hadn't heard anything from her and called back. After explaining to the initial customer service rep I was again transferred to a customer service supervisor, XXXX was her name. After explaining this again to her she said that she saw my call from the second but that it didn't look like the original supervisor had done anything about it. She said she put in a request to cancel my auto draft and to send back my money. That typically they would just send it to the new servicer but since I paid the new servicer they would refund it to me. She said it takes 24hours for the drafting team to process the request and then 2-3 days from them to refund my money electronically. 

Now its the XXXX, I still have no written documentation that they took my money by mistake. I can still log onto Mutual of Omaha 's website and it still says that I have an active mortgage with them and still have automatic payments turned on.
Product: Debt collection

I would like to make a formal complaint for Medical Revenue Services, also known as XXXX XXXX XXXX. This debt collection agency has been calling me from my place of employment at least 15 times per day ( I have phone records to show ). I have reached out to them multiple times to request that they seize all phone communications and asked to send any correspondences to my home address. I let the agents know that this was my work number, and the amount of calls that I was receiving per day is disruptive and compromising my job. One of the agent even stated that she saw the account was noted no contact and did not know why I was been contacted so many times. I asked them to remove my work number from their list and reiterated that they do not call me at work. Presently, I am still getting calls at work, multiple times per day and still being harassed. 

Their address is XXXX XXXX, XXXX Alabama XXXX XXXX Phone # XXXX
Product: Checking or savings account

Urgent Call for Investigation into Deceptive Overdraft Practices by Major Banks I am writing to express deep concern regarding the misleading and predatory overdraft practices employed by several prominent financial institutions. These practices not only exploit consumers but also undermine trust in our banking system. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate and take corrective action against the following banks : 1. TD Bank XXXX XXXX XXXX 
Overdraft/NSF Revenue : {$470.00} XXXX in XXXX Overdraft Fee : {$35.00} per occurrence Daily Limit : Up to 3 fees per day, totaling {$100.00} Cushion Before Fee : {$50.00} Extended Grace Period : Next day 2. XXXX XXXX Overdraft/NSF Revenue : {$410.00} XXXX in XXXX Overdraft Fee : {$36.00} per occurrence Daily Limit : Up to 3 fees per day, totaling {$100.00} Cushion Before Fee : {$5.00} Extended Grace Period : None 3. XXXX XXXX  XXXX. 
Overdraft/NSF Revenue : {$330.00} XXXX in XXXX Overdraft Fee : {$36.00} per occurrence Daily Limit : Up to 3 fees per day, totaling {$100.00} Cushion Before Fee : {$50.00} Extended Grace Period : Next day 4. XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX in XXXX Overdraft Fee : {$36.00} per occurrence Daily Limit : Up to 3 fees per day, totaling {$100.00} Cushion Before Fee : {$5.00} Extended Grace Period : Next day 5. XXXX XXXX, XXXX. 
Overdraft/NSF Revenue : {$260.00} XXXX in XXXX Overdraft Fee : {$36.00} per occurrence Daily Limit : 1 fee per day, totaling {$36.00} Cushion Before Fee : {$5.00} Extended Grace Period : Next day These banks have amassed substantial revenues through overdraft and non-sufficient funds ( NSF ) fees, often employing tactics that can be considered deceptive and harmful to consumers. Notably : High Fees and Daily Limits : Charging up to {$36.00} per overdraft, with some institutions allowing up to three such fees daily, leading to potential daily charges exceeding {$100.00}. 
Insufficient Fee Cushions : Minimal thresholds ( as low as {$5.00} ) before fees are imposed, increasing the likelihood of consumers incurring charges for minor overages. 
Limited or No Grace Periods : Some banks offer inadequate time for consumers to rectify negative balances before fees are levied, exacerbating financial strain. 

While recent reports indicate a decline in overdraft fee revenues among major banks, with a 25 % reduction in XXXX, the persistent reliance on these fees underscores the need for regulatory intervention. 

I respectfully request that the CFPB investigate these practices to ensure transparency and fairness in consumer banking. Implementing stricter regulations and promoting alternative, consumer-friendly policies will protect individuals from undue financial burdens and foster a more equitable banking environment. 

Thank you for your attention to this critical matter. 

XXXX
Product: Debt collection

The company is XXXX XXXX XXXX XXXX it is for {$250.00} I disputed the debt through all 3 credit bureau 's and it was taken off XXXX, but it is still on XXXX and XXXX. I have never heard of this company nor have I did business with this company, I have asked for a contract that was signed between me and the company XXXX XXXX   XXXX XXXX and they did not provide me with one. I do not owe this company. Please remove this debt from both bureau 's. This reporting is going against my integrity and character. I want this incorrect reporting removed immediately. 
Thanks
Product: Debt collection

I had an account with XXXX  which is owned by XXXX. XXXX  is similar to XXXX, in that you can obtain backgrounds on automobiles by submitting the vehicle VIN. 
My wife sent them a letter on XX/XX/XXXX canceling our account. Which, XXXX  never did. They then told us, that by virtue of our contract, to cancel, we had to pay two months of fees at {$75.00} a month. I told them I did not remember signing any contract and to send me a copy of it. They sent me a copy of a contract that my son had signed in XXXX ( See Attachment ) when we had an XXXX XXXX, named XXXX XXXX That company ( XXXX XXXX ) has not been in business since XX/XX/XXXX. In any event I was paying a, garden variety, consumer rate with the account in question and not a corporate rate, which was much less money. 
Therefore, they are in error. There is NO contract with me personally. They refused to admit they had made a mistake, even after repeated phone calls and emails with a XXXX XXXX, of XXXX, the last of which was XXXX. 
We heard nothing more until a few days ago. We received a letter from Caine & Weiner XXXX XXXX XXXX. XXXX, Texas XXXX demanding {$450.00}. " Which may adversely affect you credit history '' we are told by them, if not paid. Since XXXX is a credit reporting entity we have no doubt that a company that size will not hesitate to ruin our credit, over a bill we do not owe.
Product: Checking or savings account

I received the following text message from this number XXXX ( XXXX ) XXXX pretending to be Citibank. 

Citi-Bank Alert : We have confirmed your recent telephone request to change your Online User ID. visit XXXX XXXX XXXX to report this action. 

Of course I ignored it. Please investigate this scammer. Thanks. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the fair credit reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 instruction.
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). 

( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ). 

( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ) ( XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ) ( XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated.

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 
The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).