23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I lodged a complaint against XXXX, XXXX, and TransUnion. The reason behind this action stemmed from my individual disputes with each of these credit bureaus in XX/XX/XXXX. At that time, I had informed them that I had fallen victim to identity theft that I noticed after being released from prison. Upon reviewing my credit reports, I noticed several items that were inaccurately attributed to me. Despite submitting my police report, identity theft report, and government-issued identification to support my claim, I did not receive any response from the credit bureaus. 

As a result of their lack of communication and action, on XX/XX/XXXX, I escalated the matter by filing a complaint with you. In my complaint, I requested that the credit bureaus provide evidence of their investigation into the disputed items. I also demanded that they either remove the erroneous entries from my credit report as mandated by law ( which I referenced in my complaint ) or substantiate the validity of these accounts by presenting supporting documents such as contracts or signatures within a specified timeframe of 15 days. While some deletions were observed on my credit report subsequently, I did not receive any formal response from the credit bureaus regarding the resolution of the dispute. 

On XX/XX/XXXX, I submitted another complaint against these XXXX companies requesting once again the deletion of the disputed items within XXXX days or proof be provided within 15 days. Despite noticing some deletions, there was still no response, and some items remained. 

On XX/XX/XXXX, XXXX responded to the original complaint from XX/XX/XXXX. They stated that they had contacted the furnisher of each disputed item, including XXXX ( XXXX XXXX XXXX ), First Premier, XXXX XXXX XXXX, and disputed inquiries and stated that these items were verified as being mine but unlike my XXXX prior requests and law states have not provided any proof regarding their investigation or how they were able to verify this debt. 

The lack of response on these remaining items could be a cause for concern and may require further follow-up with XXXX or the respective companies involved. Failure to do this will leave me no choice but to take legal action because they are suppose to verify each item reported prior to reporting, and I have the right to have each item validated and receive proof of each validation.
Product: Student loan

Prior to XX/XX/2013, I was submitting student loan payments manually via NelNet.com to my loan servicer, NelNet. In XX/XX/2013 I set up auto-debit. Because the auto debit would take time to take effect, I was told to submit a final payment manually via nelnet.com, I did. My loan was never delinquent during this time, this has been confirmed by NelNet. 
However, NelNet put my loan into forbearance without my request, and despite my loan payments being up to date. They redisclosed my loan and my monthly payments rose by a small amount. I have been paying them since 2013. 

I noticed this recently, and called NelNet. After they assigned a specialist to look at my case, they agreed to retroactively to remove the forbearance that occurred back in 2013, acknowledging that this forbearance was unnecessary ( it was never requested, and never applicable, because my loan never went into delinquency - it as a technicality that occurred as a result of me setting up auto debit ) but they WILL NOT retroactively adjust for the redisclosure that was triggered by the forbearance. Therefore, I have had a higher principle balance that I have been paying diligently for 3 years. 

My loan servicer put my loan into forbearance despite my on-time payments, and redisclosed my loan without giving me an explanation as to why this was happening. My monthly payments rose due to a technicality from me setting up auto-debit, and they failed to notice this or resolve it. I had the best of intentions by setting up auto-debit, and was penalized by NelNet.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am filing a complaint against Navy Federal Credit Union, concerning a fraud claim for card num ending in # XXXX of {$190.00}. 

Navy Federals investigation determined an agreement that an error occurred as I asserted and that a provisional credit was applied that was not applied temporarily while they await information from the merchant that supports the validity of the disputed charges. 

It clearly states in the provided letter that : if the merchant does not provide information within 45 days from the date of the letter, their determination that the error occurred as I asserted will be final and the provisional credit that I did not receive would become permanent. 

It has been well off past 45 days and Navy Federal has failed to communicate and refund the money back to my account regarding my claim. The merchant has not sent any information within the timeframe stated in the certified letter within this claim ( See Attachments ). Navy Federal states that when their investigation was completed I would be notified of a determination stating whether the provisional credit that I did not receive during their investigation was removed or permanent. 

RESOLUTION : Therefore, I am filing a complaint with an expectation of authorization action to be taking place for the return of my funds to be expedited back to my new credit card account ending in # XXXX. 

I am also a victim of disable discrimination with a XXXX XXXX  and demand a resolution for those of disabilities to be advocated for under the American of Disability Act to be able to use their reasonable accommodations regarding and claims and consult with a customer service provider as a Private ClienXXXX base on their disability needs. 


Respectfully Submitted, XXXX XXXX XXXX
Product: Debt collection

I have sent a letter to Northstar Location Services informing them of a do not call and disputing the debt. We received phone calls repeatedly almost every half hour each day and leaving multiple messages. Just today on XX/XX/2016 at XXXX, I received a phone call at my place of work which is a government complex and did not give them consent to do so. This company and violated the FDCPA by contacting my place of work which is a government institution and should not be receiving outside calls such as this.
Product: Debt collection

Received a letter from Online Informations services debt collector Client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive called Online services they gave me 2 options. At the moment your the 1st option to let you know that this is fraudulent Identity theft Ive never lived in Texas were this account is/was being used. 

Please let me know what the next steps are to clear my name and my credit from this company and from my credit as this is an identity theft situation Thanks
Product: Money transfer, virtual currency, or money service

My account had unauthorized access with unauthorized charges sent from my cash app account to individuals I do not know. Every time my husband would send money via cash app, for rent and bills, it would disappear. When it came time to make bill transactions, it was noticed the funds had been transferred to XXXX separate parties. When it was apparent my account got compromised, I was informed to request a refund from the party responsible that initiated the transfers, the request were declined after sitting a few days. The next step was to contact Cash App Support if responsible party did not cooperate with the request. When I did contact customer service of Cash App, the representative did not seem interested in the fraudulent activity despite having evidence to provide showing there has been unauthorized use on my account. When checking my security in the cash app account it was noticed and screen shot I had multiple unknown devices logged into my account, when there should only been an XXXX. It was also noticed I had security settings changed. With submission of the documentation and complaint, CASH APP did nothing to secure my monies and responded at a later date with a few different responses. The responses were I knew the person which no I do not, and then I received a second notice stating it was denied because I never responded. Responded to what? I sent all documentation and proofs of fraudulent activity yet, they still will not take responsibility for my stolen money. Cash App is advertising they are an FDIC bank. When bringing to Cash Apps attention about being an FDIC entity, & should be covered as a customer to this sort of activity, their response was theres nothing they can do about my account being compromised. So it appears to me Cash App is falsely advertising & representing there customers as FDIC insured. I had {$1000.00} stolen from my account for bills, Cash App is letting the fraudsters get away with it stating I know the people. They will not take any other action despite the proofs of evidence that I do not. What do I do?? Cash App is just as guilty as the parties responsible for just overlooking the situation entirely and making an excuse to not be responsible for the theft. How can they represent themselves as FDIC but dont back it in the times their business failed a customers protection. Please let me know what I can do to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

SHOWING INACCURATE INFORMATION THAT VIOLATES MY RIGHTS
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Email XXXX Cell # XXXX To whom it may concern I am writing this letter to complaint about a closed account with Discover Credit Card Company. 

This account was open XX/XX/XXXX with the account of {$7000.00} and it's now at {$6700.00} I was making all my payments until I had some financial difficulties in XXXX I Consolidate all my debts into one except Discover because they had already file a claim in court, By this time I lose my apartment and job, in XXXX I started to work and still couldn't afford to make any payments. In XXXX the company took me to court and I was ordered/settle to make monthly payments, and I did so but once again the XXXX of XX/XX/XXXX I lost my job again so I failed to make payments, I haven't able to work/get a job because COVID19 arrived soon after with that said a couple months ago I reach out to Discover about my account and was told I could not access my account because a 3rd party was involved which was not true. The Customer Representative mentioned to me they will get in contact with the 3rd party and get back to me, which they never did and even recommended that I do so as well. I called Century Debt Solution to confirm this information and the information that was provided to me by Century customer service my Discover Credit Card account was never applied to my Debt Consolidation, I don't understand why I am getting the run around on this account/issue I would like for someone to reach out to me please I am trying to resolve this issue on my credit.
Product: Mortgage

Rocket Mort gage (   XXXX   XXXX   ) s ent me an offer to refinance my home loan.   I accepted and everything moved along quite quickly and was approved. Then home loan interest rates jumped up, and than began to stall the process. Finally they fabricated a problem where I owned a property in Kentucky a place I have n't even been to in 37 years.   After delaying another week they admitted that it was an " error ''. Then they brought up other " issues '' about things that were clear from the first day. This allowed them to delay the process until the " lock '' had expired. Rocket mortgage just utilizes fraud as a means.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i attempted to use my paypal credit account to pay for a subscription to the online tutor service XXXX.
Paypal neglected to disclose that some merchants, including course hero, may accept paypal, but not paypal credit.
Subsequently, i was charged XXXX to my paypal account. Had I been aware that XXXX did not accept Paypal credit, I would never have made this purchase. I called Paypal seeking rectification and / or dispute on three occasions throughout XX/XX/XXXX. Each time I was put on hold for upwards of 15 minutes before reaching anyone, each time I was " assisted '' by an individual who spoke too quickly or barely understood English at all, and in the third attempt I was placed on hold " while the agent looked into reversing the charge '', whereupon I was unceremoniously hung up on by said agent.
I have sent emails to paypal through their customer service section no less than six times. The first was a formal dispute of the charge, which paypal refused with no explanation other than " your request does not fit our description of a dispute ''.
The remaining 5 were increasingly-angrily-phrased demands for them to take responsibility for their failings, and ultimately to terminate my account with no further moneys taken from me.
Paypal 's responses to me consisted of an automated " we will contact you in 24 hours '' email ( which they have yet to follow up on three days later ), and a mailed notice stating I had been turned over to a collection agency.
Paypal also committed a violation of the truth in lending act when they decided to forgo completing a purchase I attempted through my Paypal credit account in favor of charging late fees and finance fees to my account. I attempted a purchase when there was more than enough available funds on the account, XXXX XX/XX/XXXX ; Paypal did n't even bother processing it, seeming content to twiddle their proverbial thumbs and then slap XXXX of fees onto my account on XX/XX/XXXX, which they then proceeded to refuse to reverse despite admitting fault for mishandling my transaction.
All attempts at remediation and / or contact with paypal have failed ; their phone systems are a robot-ridden maze of uselessness and their email systems are laughably automated. It 's a wonder anyone has ever gotten through to them at all.
Product: Checking or savings account

US Bank located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has frozen my account and has not provided me of any justifiable reason. The managers at the bank don't understand why it happened and they reached out for more information but were just told it is still under review. 

What i was told what flagged my account was a check i deposited via the mobile deposit in their app. This is a official check from the State Controllers Office with the State of California. I have been receiving checks from them for 8 years now without issue until now. The only difference is that they are usually direct deposit and this one was a paper check i deposited via the mobile app. Im so confused as to why they have disabled my account and are reviewing my account for closure over this. The local bank managers don't seem to understand why it is happening either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Experian and toXXXX CARD, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the companies below ran hard inquiries using my credit report without my authorization XXXX XXXX XXXX XX/XX/2022 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, Experian any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused severe stress and anxiety due to the abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

As per my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All listed with different dates By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion which is the only bureau reporting a state tax lien has not followed the new rules applied to credit bureaus. I disputed this lien several times as it does not contain my name, address, dob and social security number. Please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint through CFPB and they didn't fully deleted all inquiries, even though they weren't made by me.XXXX XXXX XX/XX/XXXXXXXX XXXX "     "XXXX 1XX/XX/XXXXXXXX XXXX XX/XX/XXXX7XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXI want those removed they weren't either fraud OR due to transunion not protecting my privacy. INVESTIGATE with creditors OR delete right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never lived or even been to California but it states on a report made by First Advantage that I currently have either a warrant or was charged for XXXX. This needs to be corrected because it's holding me back from getting hired from everywhere that asks for this background check.
Product: Credit reporting or other personal consumer reports

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

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




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

A payment was due XX/XX/XXXX for regular charges and a balance of {$150.00} of for a non interest bearing promotional purchase. 
A check for {$530.00} was mailed on XX/XX/2021 in the pre addressed payment envelope provided by Citibank in order to cover everything that was due and to avoid any interest charge. 
On XX/XX/2021 ( ten days after the payment was mailed ) an email notice was received indicated they had not received the payment and it was now overdue. As it appeared the payment had somehow been lost, a call was placed to Citibank 's collection department and a {$500.00}. payment was made over the telephone. ( that was the maximum my bank would allow without pre authorization ). 
On XX/XX/2021 ( thirteen days after it was mailed and six days after the payment was due. ) there appeared in my checking account the cancelled check for the payment XXXX said it did not receive. 
Citibank would have me believe it took the post office nearly two weeks to deliver their pre addressed envelope. The result of this I am being assess {$170.00} in fees and interest because the check was not credited in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX  should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently