23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out I had an outstanding student loan this year after I filed my taxes, when my refund was taken. I made contact with the XXXX XXXX loan and the collector.I explained the situation and that I was disputing as the information that they had on file was from over 20 years ago : the address was from when I still lived at home with my parents, my phone number was incorrect, my email was incorrect and I was not aware of having this loan. I was told that I would need to file a dispute and contact them when I heard back - this would have been in XXXX. I started the dispute and requested copies of the paperwork at that time. I was assured that it would be sent. I never received it. 
In XXXX I received apx 20+ calls from number I did not recognize that only left partial recordings on my voicemail- none identified the company, who they were trying to reach, or why. 
In XXXX and XXXX the same. Multiple calls from a robodialer, sometimes minutes apart. None identifying who they were, why they were calling, other than " an important matter '', and a partial message on my voice mail. 
I actually spoke with a XXXX ( or XXXX ) XXXX in XXXX. I answered the phone and was immediately bombarded with rude and abrupt questions and threatened with having my wages garnished if I did n't immediately do as she said. I attempted to explain that I was disputing the loan and her reply was " You 've had enough time, you need to pay this now ''. I asked for her to send me the Promissory note- she told me that she would not. I asked if it could be emailed, no. I asked for her supervisor and was told that he was n't available and that he would n't be able to help me. 
I hung up the phone and called back after work- The Company that has my loan is Accounts Control Technology. I spoke with a XXXX XXXX who claimed to be XXXX Supervisor. I explained the issues I had been having, requested the paperwork again, and was told no problem, he would mail it out. 
It 's been 3 weeks and I still have n't received the paperwork. 
The phone number they have been calling from is XXXX. The extension I was given was XXXX. These people are harassing, threatening, bullying, and intimidating me in an attempt to get money for a loan that I am trying to prove I did not take out to begin with. I have no idea where to go with this.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint to the CFPB and contacted TransUnion to request the removal of inaccurate information reported on my credit file. TransUnion responded to CFPB complaint on XX/XX/year> and my personal inquiry on XX/XX/year>, claiming that the disputed information was not present on my credit report. In response, I provided them with a copy of my credit report highlighting the inaccuracies I requested they remove, along with a detailed letter explaining the discrepancies on XX/XX/year>. I have attached a copy of my response to this complaint, including tracking information as evidence.
Product: Checking or savings account

I have called them several times in the past only to be told that I would hear from them once everything was finalized I have been a customer of navy federal credit union since 2014..
Product: Debt collection

I sent a letter to FIG LOANS TEXAS LLC which the company received on XX/XX/year>, I requested the documents of which I stated below for the company to verify a debt, after XXXX  days I not receive a response from FIG LOANS TEXAS LLC.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. Jefferson capital system account number XXXX. I never heard of this company or ever had a account with XXXX  please delete this account immediately I just sent them a letter on XXXX2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this credit repository through a dispute letter dated XXXX XXXX, 2017 to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? Again, this situation is making me sick! Transunion is not removing or blocking an account per FCRA regulations when I submitted an FTC claiming I was a victim of ID theft. I'm attaching the report for your records. There are XXXX accounts reporting to Transunion which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the banks and they agreed to not report the accounts on my file. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This has a XXXX filed due to a business I was a partner in that closed due to housing market and I lost my job and had to claim bankruptcy. 
I wish to have the bankruptcy and XXXX removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

A wire transfer of XXXX from a XXXX Bank to 5/3rd bank in XXXX Kentucky was initiated on on XXXX. A typographical error caused the transfer to be rejected. The teller at 5/3rd bank, XXXX XXXX XXXX, was placed in direct contact with the XXXX Bank. XXXX XXXX instructed the XXXX institution on the exact name of the bank and routing numbers to use in the second attempt at the XXXX wire transfer which was placed on XXXX. The information provided by XXXX XXXX resulted in the monies being routed over an intermediary bank, XXXX XXXX. The wire transfer failed and a subsequent Federal Reserve investigation ( attached ) revealed 5/3rd rejected the transfer due to 5/3rd as " XXXX - No Account / Unable to locate Account ''. On XXXX XXXX was returned to the XXXX account after the failed transfer. A third attempt at the transfer with the exact same information resulted in a successful transfer. 

5/3rd was contacted via telephone to understand why a difference of XXXX was returned. The customer service agents hung-up on three consecutive phone calls. On the fourth phone call, a customer service representative named XXXX XXXX asked if I was familiar with wire transfer fees. When I responded affirmatively she tried to explain that the difference was a fee. When I pointed out that a {$750.00} fee for an unsuccessful transfer was a bit outrageous, she terminated the phone call. 

Multiple contacts with XXXX and her manager XXXX XXXX, XXXX at 5/3rd in XXXX, Kentucky resulted in not further information or resolution. An inquiry was started with XXXX XXXX with XXXX XXXX XXXX. After 1 month of seeking resolution, 5/3rd and XXXX XXXX became unresponsive and did not return phone calls or seek further resolution. The XXXX institution also attempted to contact XXXX XXXX XXXX, but he was unresponsive to their attempts at contact, as well.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the recent closure of my credit card account with Venmo which occurred without my permission. I was shocked to discover that my account had been closed and subsequently reported to the credit bureaus, adversely impacting my credit score.

The sudden closure of my account without any prior notification or consent is both unwarranted and unjustifiable. I respectfully request that you reverse this action and reinstate my credit card account immediately. 

I believe that the unauthorized closure of my account violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Under the FCRA, creditors are required to provide accurate and up-to-date information to credit reporting agencies. Closing my account without valid cause and reporting it to the credit bureaus negatively impacts my creditworthiness and is a clear violation of this requirement. 

Furthermore, the TILA mandates that creditors must provide consumers with notice before taking adverse actions, such as closing an account. By failing to notify me beforehand and closing my account without my consent, your company has disregarded this legal obligation. 

I am requesting that Venmo take 's immediate action to rectify this situation by reversing the closure of my account and ensuring that it is accurately reflected in my credit report. Additionally, I expect to receive written confirmation of the account reinstatement and the removal of any derogatory remarks from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have been victim of the false pre-approval advertisement emails by Credit Karma. I have used them for credit reporting for many years, and was surprised to find that they were falsely advertising to me. I have not complained as of yet, because I did not know that this was happening to other people. I thought it was just my account being messed up. Please let me know how I can submit a claim concerning this issue. 

Thank you and God bless you in your efforts. 

XXXX XXXX
Product: Bank account or service

Recently XXXX unauthorized withdrawals were made from my checking account that I have with Chase Bank. I have been contacting Chase daily to have my money returned to me but they will not give me my money back. The Chase case number is XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XXXX XXXX  and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX I am writing this complaint because Transunion, XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX XXXX, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit XXXX of XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Phoenix Financial service on XXXX XXXX NY, NY says that I have a derogatory account with them for {$460.00} and theyre a debt collection agency. I was told that it was for a XXXX XXXX XXXX XXXX in XXXX, GA for an ER visit XX/XX/2016. I didnt recall and called the hospital myself and the operator told me that there was no record of me in the system. This derogatory account is affecting my credit negatively. After the call to the hospital, I called Phoenix Financial Service back and no one would stay on the line and hung up on me.
Product: Money transfer, virtual currency, or money service

on XXXX amount of XXXX was sent to XXXX but account number when entered was wrong despite given the copy of check again approached the bank on XXXX they again resend the money but again wrong account number they are not ready to listen and harrasing by delaying correction
Product: Payday loan, title loan, or personal loan

XXXX XXXX keeps calling my work and people that put down as references. The problem is they told me I have 10 days after the due date to make a payment. I didn't have enough to make the payment on the XX/XX/XXXX and just made the payment today XX/XX/XXXX. I don't appreciate them calling and harassing me at work or my references. The XX/XX/XXXX is technically the 10th day of the due date. If you go one day after the due date that is when they start calling you and it get irritating. This leads me no choice but to submit a Cease and Desist order through Consumer Complaints website to get this company to stop harassing me. There will be times when I can't pay on the due date, but will have it paid during the 10 day grace period.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning to see inaccurate accounts on my credit report with no explanation. I routinely check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. This whole experience has left me feeling uneasy, and Im requesting a thorough review of my submitted documents to ensure I never have to deal with this again.
Product: Mortgage

Through a phone conversation today with NationStar ( XXXX/XXXX/2015 ) the representative was helping us with figuring out how to drop our PMI ; in which we met all the criteria ( particularly a perfect pay history ) except the XXXX equity ratio. In looking through our file, the representative brought it to our attention that we have been charged " corporate advances ''. When asked what those charges were for, she stated they were for " property inspections '' since they were unable to reach us. We have no record of them reaching out to us nor did we authorize a property inspection to be charged against our account especially when they should have no reason to believe the property is abandoned since they receive on time payment from us. The original loan is through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Name listed : XXXX XXXX The only name that should be listed is XXXXXXXX XXXX XXXXXXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX - only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ** Multiple credit pulls : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Money transfer, virtual currency, or money service

CASHAPP is illegally withholding funds and is not allowing me to rightfully withdraw funds from my account. CASHAPP owned by BLOCK INC has not provided legal documentation to validate the lien on my account by a creditor that has not validated the debt pursuant 15 USC 1692g. According to the law a judgment from a court that has jurisdiction must be presented and accompanied with all documentation validating the debt. CASHAPP and BLOCK INC have caused great financial strain by denying me access to funds that rightfully belong to me. My rights as a consumer are being violated and CASHAPP/BLOCK INC are civilly liable to me for all damages caused by this inconvenience. This is to be considered my only attempt to amicably resolve this issue before I file a civil suit in court to receive remedy for this violation.
Product: Credit reporting or other personal consumer reports

This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and 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 delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer report.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX,2022 I told Equifax to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681everything has to be 100 % Accurate. 

Accounts-
Product: Credit card

Ensuring timely payments on this account has been a consistent priority, ensuring no instances of overdue status. The reasons for the late payment remarks on my accounts remain unclear to me. As per 15 USC 1666b - Billing Error, corrections ought to be implemented.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to contact Experian to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance period. I have late payments on my report that I want to be removed because I am a victim of XXXX  XXXX and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance period.