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

I checked my credit report last year in XXXX of XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from Equifax, XXXX, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.
Product: Debt collection

Ad Astra Recovery Services is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with Ad Astra Recovery so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

Attached is my license, my recent credit report, my cable bill, and a picture of my license. The last complaint I made against Equifax, they asked for these thing and my complaint was closed which was fraudulent.
Product: Checking or savings account

I kept calling trying to resolve this issue but they kept telling me i have to wait for a letter which i did after a week i got the letter i called and provide them the reference number they requested the agent i was talking to unblock my account after passing all the security tests not even XXXX later they blocked my account again when i called them they told me citibank decided to end the relationship with no explanation to why
Product: Credit reporting or other personal consumer reports

Wednesday XXXX XXXX XX/XX/XXXX and the XXXX or XXXX day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.
Product: Mortgage

We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. 
On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. 
On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. 
On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. 
Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. 
We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. 
XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. 
XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. 
This company feels fraudulent and I feel like I have no recourse. Please help! thank you
Product: Student loan

On XXXX XXXX I requested to be moved to the fixed extended repayment program for my federal loans through my servicer EDFinancial. That day, I received email confirmation that my request was being processed and I should expect to see my new payment XXXX XXXX XXXX XXXX in 7 to 10 business days. 

My payment is now due on XXXX XXXX, and my account still shows my loans on the IDR plan with a monthly payment of {$310.00}. 

I have unsuccessfully tried to contact EDFinancial three times this week and am hung up on instantly when receiving a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1800.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Received unsolicited prepaid debit card from Netspend ( a subsidiary of XXXX ) via mail. Apparently you are able to link the card to direct deposit or add funds at a store. This is not the sort of thing that should be mailed unsolicited as it is ripe for identity theft and fraud. Attempted to contact the bank to close/cancel the account but there was no way to do so without first activating the card.
Product: Credit card

I repeatedly have to come here and do complaints because the self reps that's are overseas arent trained to answer basic queastions!!! PLEASE TRAIN THEM PROPERLY! And everytime i ask to speak to a manager none is ever available. 


XXXX. I asked when will i be receiving my self credit card? I meet the requirements. The rep kept talking about my old self credit card XXXX  What is the exact date it will be mailed? The app also needs.to have me transparency and tell is these dates. 

XXXX the credit builder I you numerous messages it will report to the credit beaurus " soon '' a day after payments.WHAT DATE WILL THIS START HAPPENING? Again transparency. Will the self credit card do the same? IF SO WHAT DATE????
Product: Student loan

My loan was transferred to Navient from XXXX. I contacted Navient to set up a payment plan or deferment. I was told to use the website to handle this. I submitted my paperwork and was told that I was denied because I submitted the wrong paperwork. I then resubmitted the correct paperwork and was given a forbearance. My complaint is that they have 90 & 120 days late on my credit report six times because I have XXXX loans. The time they are reporting late, I requested it go back because I was miss informed. In addition, the months reported are XX/XX/XXXX and XX/XX/2016, but XX/XX/XXXX and XX/XX/XXXX report OK. This is severely affecting my credit score in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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: Credit card or prepaid card

I have a current capital one card which I use monthly, through that card they offered me another card. I applied for the card, was approved and sent the card. When I got the card it had a restriction. When I called they told me that to life the restriction they needed a hard copy of my drivers license, my social security card, and proof of residency which I could either email, fax, or USPS mail. This is unacceptable, and I will NOT provide that information to anyone and I have never had to provide that before. 
The contact information for XXXX XXXX goes to their call center in what I assume to be off shore, I was transferred a few times but no one took my complaint. 

If I were to provide that it opens me to more risk. In addition why would they not ask for that information up front. I have never had to provide this information in paper form.
Product: Money transfer, virtual currency, or money service

I added money and it overdrafted and made me negative {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received 2 alerts from my credit monitoring service that my credit was obtained from XXXX  and Wells Fargo. I have tried to contact the agencies and they both deny the claim. I am not shopping for a new car
Product: Bank account or service

on XXXX/XXXX/15 Chase Bank sent email regarding suspicious charges on my debit card. I spoke to a representative ( woman ). We went over the charges, I told her which were fraudulent and which were not. Then checked my husbands charges-all good there. She told me not to worry that I would get my credit back shortly. The next day I get an email saying that the charges stand because a pin was used. Can anybody say " XXXX ''. I called and spoke to XXXX, Who advised me that the case was closed. I asked how can they resolve this issue in less than 24 hours and she said it 's " because of your spending history '' Really, who are you to judge me. I told her to show me proof that it was me. The biggest charge was from XXXX, they have cameras everywhere.She said she would re-submit for a new review. Not only do they lie to the public and do n't take responsibility they turn around and disparage my character by calling me a thief in trying to defraud a bank. Well it 's been 2 months and I have not gotten my {$250.00} back and not even a phone call or email with the proof that I requested. We all know that the case workers are given a bonus to deny claims just like the Insurance Underwriters are and normally that 's not my problem, but they are making it my problem. If I do n't get a satisfactory result I 'm hiring an attorney and going to every news and social media regarding the practices of this financial institute and how the government agencies who are suppose to keep them in line are not.
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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX 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 purpose.
Product: Vehicle loan or lease

- Buyout payment was received by XXXXF  on XX/XX/XXXX along with odometer statement - XXXX  cashed the check on XX/XX/XXXX - I was told it would take 3 business days for the account to be updated - On XXXX customer service told me they did not have the odometer statement so I uploaded it to the website - On XXXX I was told the account was closed and the title would be mailed out today XX/XX/XXXX - Today, I called and they told me they can not release the title until they have an odometer statement, which I already submitted twice - I am unable to speak to anyone in titling and it seems customer service is unable to communicate directly with them either.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Equifax on XX/XX/year> requesting the removal of fraudulent information from my credit report pursuant to FCRA 605B. I request that Equifax block the identified fraudulent accounts, collections, and hard inquiries from my credit file within four business days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to address the erroneous late payment ( XXXX ) reported on my credit report for the account that has been paid off. I have never been late on this account, and I demand that you provide documentation showing proof of any late payments.In accordance with the Fair Credit Reporting Act ( FCRA ) you have XXXX days for this to be rectified. I expect your full cooperation in investigating this matter. If you can not provide the necessary documentation to substantiate the late payments, I demand that you promptly delete these inaccuracies from my credit report.
Product: Money transfer, virtual currency, or money service

I requested a money transfer on XX/XX/XXXX and received a Transfer Confirmation Receipt pdf which showed both the Funded and Paid Out dates asXX/XX/2019. However, the recipient is yet to receive the transfer. I called TransferWise customer assistance on XX/XX/XXXX and was advised to tell recipient to go to his bank with the receipt for collection. On XX/XX/XXXX, the recipients bank informed him that the money had not made it over to the bank, and that he needed a different form to be able to collect the transfer. The bank also informed the recipient that he would have to collect the money in XXXX, even though his bank is in XXXX where he lives. I called TransferWise back on XX/XX/XXXX to request a cancelation of the transfer. However I was told that it could not be canceled, and they are unable to determine when the transfer would be completed at this point. I was asked by the representative to wait and they would contact me via phone and/or email whenever they are able to determine that the transfer is truly complete and ready for collection. It has been 8 days since I made the original request. The time it takes for transfer was falsely represented by TransferWise and now I have no way to know how much longer it might take. I find this rather unacceptable.
Product: Debt collection

I financed a trailer/dumpster with XXXX XXXX. Each month I would receive a bill showing minimum payment, amount paid previous month, and payoff amount with the date that payoff amount would be good through. Last year I was able to payoff the loan. I sent in the payoff amount shown on the bill and made sure XXXX XXXX would receive the check before the date listed on the bill. I waited about a week, I called to make sure that XXXX XXXX  received my payment and that it would payoff the loan. They assured me that I had paid off the loan and they would send me the title to the trailer/dumpster. After several weeks, I received the title in the mail. Apparently they have a glitch in their system because I still get bills from them showing Total Amount Due {$130.00} with Payment Date XX/XX/19. I have called to resolve the issue but have not been able to talk to anyone that can take care of the situation. The loan is paid off. They need to stop billing me and trying to collect on a charge that is incorrect.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS ACCT # : XXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C & 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX  failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. Removal of this account. 

I did not give permission for this agency to have my personal information or address. Nor did I sign a contract with this agency. 

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I disputed this account on XX/XX/year> for being inaccurate. XXXX completed their investigation on XX/XX/XXXX XXXX.I am requesting XXXX deletes this account immediately for inaccurate information on my credit report.
Product: Checking or savings account

Ive reached out multiple times to Wells Fargo bank to ask if their was any assistance program to help during our financial struggles during the pandemic. They told me no, as a husband and breadwinner of a family of 5 I used multiple resources to earn money and or keep my family from starving. Including automatic payment installments etc. I get my income has teamed a hit and made Wells Fargo aware but they continue to charge me {$35.00} on a {$4.00} transaction sometimes. I get it, but they probably have charged me {$2000.00} in if fees for covering not never half that. They have never not got a direct deposit for me that covers my bills every 2 weeks. And they keep taking my child care credit and then refunding it back with the stipulation of recharging me fees at a later date. This is robbery at its best.
Product: Debt collection

I was in the intensive care unit when the hospital brought in a XXXX for XXXX, I was diagnosed with XXXX. I had XXXX and XXXX for hospital coverage at the time. Why should I be penalized for this debt because the doctor was not in the network?
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security NumberXX/XX/XXXXXX/XX/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 EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an XX/XX/XXXXaccount opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XX/XX/XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XX/XX/XXXXXXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 US 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

XXXX, XXXX, and Equifax have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably investigate information I disputed on my credit report, leaving inaccuracies and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax, and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers adequately of dispute outcomes. These failures align with my experience, where XXXX, Equifax, and XXXX have 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 XXXX, Equifax, and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I recently received a credit monitoring notification that a new collection has been added to my credit report. After reviewing the collection i immediately noticed that I have no account with this company & no knowledge of this account. I reached out to both the credit reporting agency as well as the company attempting to collect the debt for proof that they verified the identity at the time that the account was opened, proof of signature, & all steps & documents required to prove the identity. I was notified that they had deemed the account accurate but they have not provided me with any documentation as to how they did verify the account as accurate. This account is completely inaccurate, does not belong to me, & is negatively affecting my personal credit report.