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

I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time I attempt tp have the credit bureaus do their job before I go to court with them.
Product: Credit reporting or other personal consumer reports

i did not authorize this company or any other company to pull my credit repor. they are reporting false information. I did authorize XXXX  XXXX  XXXX to pull my report. i did not apply for a loan. they are reporting false information on my credit report.
Product: Debt collection

This company, Resurgent keeps harassing me, through all communication, over a canceled debt, from a company ( XXXX ), that no longer exist. The debt would be over 10 years old. Past Texas ' statue of limitations, anyway. I told them to stop emailing/calling me. So, they started sending letters. I was also, told it was two debts, cause one company had bought the other. Though, one no longer exists.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only XXXX XXXX XXXX XXXX  only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX  {$720.00} XX/XX/XXXX
Product: Credit card or prepaid card

Care credit card is horrible. I paid off what I owed on the card on time and more than the minimum balance, and when I went to use the card they had automatically closed off my account. Did not send me a letter explaining why and when I called customer service they were beyond rude and hung up the phone on me. All they told me was that although I had a good history with them because I did not use they card constantly they closed it. They also told me to re apply but if i don't use the card regularly it will be closed again. Every time you apply for them it affects your credit report even if you are approved. Its a credit card that can only be used for medical visits, medication, glasses ... etc, it's not something you are going to use everyday or month.
Product: Checking or savings account

At the end of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amongst receiving the check ( {$150.00} ) I held on to it for 4 days. Within those four days the church switched accounts and didn't communicate with any of the workers that receive checks. After those 4 days I attempted to cash the check ( {$150.00} ) and the {$150.00} check bounced, I assume that I made a mistake with the writing on the back of the check so I checked the endorsement and tried to retake the image for the deposit. The deposit initially went through and said to hold the check for a certain amount of Days, so I did. After the allotted Days, I got a notification on XXXX XXXX XXXX that the check bounced and that the account holding {$1800.00} is restricted and will be closed WHEN PENDING TRANSACTIONS FINISHED... LIES .... At this point, I called to try to get some information on why my account is restricted and was met with a rude " I'm not obligated to give you any information ''. After 2 months of going back and forth, I have still not made any progress or heard of any progress in the release of my funds, MY ACCOUNT IS STILL RESTRICTED AND THEY STILL HAVE {$1800.00} THAT THEY REFUSE TO RELEASE. They're saying that there's an indefinite hold on my account and they can not tell me when I will receive my money or when the {$1800.00} account will be closed. I've tried to resolve this issue with SOFI BANK on a total of 7 times and got rudely dismissed and told that I can NOT speak with a supervisor, this bank is a criminal organization.
Product: Credit reporting or other personal consumer reports

I moved out of my last apartment ( XXXX XXXX ) XXXX XXXX XXXX in XXXX XXXX, XXXX  and never got any information regarding my deposit and when I went to return my keys I was informed that I owed {$300.00}. They were not able to provide anything and I left the apartment better than I arrived so there was no reason to take my deposit let alone have a balance owed. Fast forward I check my credit report and see a local collection company ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX  is trying to recover this debt, but I still haven't heard from anyone via mail, phone or email. So I have been disputing this for months now to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a Credit Card payment to Wal-Mart. I called to see if my payment was received because I did not want to incurr a late fee. I was told by the representative that my payment was not received. So I made another payment in the amount of {$85.00} over the phone. I asked the representative when my first payment in the amount {$85.00} is received, I want a refund back. She told me when I received my statement call back, I said ok. When I received my statement I called back as the representative said. The representative told me I should receive a check in 15 days for {$85.00}. On XX/XX/XXXX When I did receive the check it was in the amount of {$63.00}. I called back and I spoke to someone named XXXX, she told me she`s putting in a request for the {$22.00} and gave me a confirmation # XXXX and that the refund is going to take 7-10 business days. Still have not received my refund. I called back and spoke to another representative named XXXX, he stated that the reason I have not received my full refund is because my payment was {$100.00}. On XX/XX/XXXX I spoke to XXXX and she told me to pay {$85.00} only because I was giving wro ng information ; They adjusted my payment from {$100.00} to {$85.00}. I told XXXX what was said by XXXX, he said he`s putting a request in for the {$22.00}. Never received it. I have been calling and talking to several representatives from Wal-Mart in regards to this. On XX/XX/XXXX was my last a tempted to retrieve my refund. I spoke to XXXX an account Manger, I played the recording of XXXX explaining why they made the adjust on my account for the {$85.00}. He said, he`s going to put in for the refund, never received it. I make my payments on time to Wal-Mart. I am not understanding why I have to go through all of this to get my refund of {$22.00}. Everyone of the representatives from Wal-Mart say been dishonesty in their speech. If I take my {$22.00} out of my payment I will have to pay a penalty. Just as they want their money every month I want mine. When you value your customers you respect and speak truth to them. I have recorded conversation with these representatives. Lastly they are not even trying to put my refund towards my account. I could not submit my recorded conversation with the WalMart representative this is XXXX WalMart representative explaining why my account was adjusted and her confirming the Supervisor telling me to pay {$85.00}. The supervisor name is XXXX and XXXX is reading from her notes in regards to the adjustment of the {$100.00} to {$85.00}, because of wrong information as I already mentioned in my complaint. The date again is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm trying to contact Ally Financial, because I received an adverse information by Ally Financial in my account credit report that is a fraudulent information, it's kind of defamation and damaging my integrity of my family. 

From XXXX I had a XXXX, and this is a XXXX. I DON'T HAD ANY PROPERTY THAT I AM KNOWN, he had XXXX XXXX. 

Please, I am encouraging you in good faith to send all the information to review, since I don't have any. 

I will appreciate your input to avoid more damage
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed HARD INQUIRES on my Consumer Credit Report published by a credit reporting agency are fraudulent, and I have never been associated with giving express written permission to run these listed Hard Inquiries or are they associated with any accounts I own. As per the Fair Credit Reporting and 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction states that these item shall not be reported or listed on any consumer credit report or version thereof. 

I have personally called each credit reporting agencies customer services phone number and also fraud departments, where I was treated like a criminal, and spoken to very rudely including hostile language about these items. The outcome has not changed or removed this fraudulent information. The credit reporting agency also made it very difficult to discuss with the right department, nor have the ability to request deletion on their paid subscription services for my own personal credit report. 

HARD INQUIRES : XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Consumer Loan

my car loan company County financial is charging me {$2000.00} more on interest even when I have send an extra amount for late fee.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXXXXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXXXXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. 

I have proof attached where these XXXX accounts are deleted from my XXXX credit report. Please do the same for my TransUnion report and delete them from there.
Product: Debt collection

I receive repeated phone calls from a XXXX XXXX number 6-8 times a day. I spoke with a woman one time and explained Im not paying anything until I get something on paper. She then proceeds to say bye XXXX. I have asked several people to please quit calling me and they havent. This debt theyre speaking of is not on my credit report. They also text me as well saying to please give them a call using different names.
Product: Mortgage

: " I XXXX XXXX and XXXX XXXX ( XXXX and XXXX years of age ), contacted XXXX XXXX, in reference to the hardship I was going through. He met us at my property located at XXXX XXXX. XXXX XXXX XXXX, Fl XXXX. XXXX XXXX XXXX introduced us to XXXX XXXX XXXX, Ready Mortgage, who offered me a reverse Mortgage, based on our economic situation and age. ( Please see attached document dated ). Throughout the 3 months delay Ready Mortgage was processing our Reverse Mortgage. We had to pay late fees approx. {$300.00}, to our Mortgage company, XXXX XXXX. Also Affected my credit at the Credit Bureau. Due to their 3 months delay, we had our house in danger of foreclosure. We had to pay to XXXX XXXX more than {$4000.00} dollars due to their delay on closing our Reverse Mortgage. We also had to pay the appraisal fees of {$320.00} plus upfront expenses. In addition, they wanted us to pay another additional appraisal fees, but we said " No ''. During the Reverse Mortgage process they requested some changes to our Home Property Title for us to qualify. The title change was made for a fee of {$800.00} dollars. Then, we had to get our Home Property Title rewritten correctly for another extra expense which we had to pay. The documentation requested in XXXX was never provided. " Due to Ready Mortgage delays and process our Reverse Mortgage they almost cause to put our property in foreclosure Affecting my credit at the credit bureaus with a bad note due to me. 

On 2014 though a XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX advertise to assist us consumers. 
I contacted XXXX XXXX, in reference to the hardship I was going through From his meeting at my property located at XXXX XXXX. XXXX XXXX, Fl XXXX XXXX XXXX XXXX to, XXXX XXXX, Ready Mortgage, they offer me Reverse Mortgage.
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 financial institution 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 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

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX ( XXXX XXXX XX/XX/year> ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with CFBB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On XX/XX/XXXX a check was deposited by way of an ATM into my checking account which is photographed and entered electronically by the ATM machine. A couple of days later when checking my balance, it showed in available funds approx. {$5500.00}. As the next couple of weeks went by, I utilized a majority of my available funds. On XX/XX/21 I received a letter noting the bank error of over-crediting my account of {$4500.00} and that my account was deducted {$4500.00}. I notified the bank of my rights as a consumer and filed a dispute requesting my {$500.00} plus dollars from checking, along with my {$940.00} social security check that was taken as well as access to my {$500.00} plus dollars in my savings being that they locked my debit card, explaining that I am not responsible for bank errors. My claim was denied. I again contacted Wells Fargo on XXXX to dispute the denial and to escalate the claim to higher-up authorities.
Product: Payday loan, title loan, or personal loan

XX/XX/19- ONLINE Lender XXXX Loan ID # XXXX Unable to pay online- option is not able to function with no explanation from company as to WHY last month XX/XX/2019 or this month XX/XX/2019. Unable to CHANGE VIEW VERIFY full banking acct info. unable to CHANGE VIEW VERIFY email address on file. Same issue XX/XX/2019 and I was told this would be resolved. It is not. Prior complaint stated that I told company not to email me. I did not. FOR THE RECORD THE COMPANY CAN email me ANYTIME DAY OR NIGHT AT XXXX XX/XX/19 I just called again, spoke to XXXX whom assured me this issue would be escalated, so I can check back in few days for access to my account information. Prior complaints filed, as Co. is  difficult to work with/lack of integrity in fairly dealing with consumer/prevent you from paying or knowing about amounts due, no notices, but no access to account either. I get emails sometimes, but in last complaint they stated I requested no email contact from them. I DID NOT. NEVER Happened. Only get emails when convenient for company. They want your account to go past due to add on more fees. Blocking me from accessing account is violation of the FDCPA.. YOU ARE preventing me from paying online and seeing what you are really doing with my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 a 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 # ( XXXX ) 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 card

I went into the local Regions bank amen my credit card was lost and asked them to replace my card. They closed out my account.