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

Credit Collection Services is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Credit Collection Services is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) TRANSUNION HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX ( 1682 ) 15 USC 1681 section 602 A 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 accounts without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Diversified Consultants has been inaccurately reporting a collection account that should have been deleted from my credit files since XXXX 2015. They ignore my calls and refuse to rectify the situation.
Product: Credit card or prepaid card

I have a recurrent monthly charge being placed on a Bank of America credit card from XXXX  for {$19.00}. This has occurred for 3 years. We have repeatedly call and filed a fraud alert with BOA and XXXX  has repeatedly said we have no account with them. So far BOA has not refunded these fraudulent charges and suggested we contact your site.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$210.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CRE XX/XX/XXXX
Product: Checking or savings account

I opened an account with BOA, which I had in good standing for several years. I had never had any negative occurrences with my account. My account was compromised and as soon as I notified the bank they shut the account down. I reported to the police as well as the bank of what happened. 
As a result of this I was listed in XXXX XXXX XXXX & XXXX as fraud activity. Which to other institutions it looks as though I committed fraud which was not what happened. I have contacted the fraud department submitted a dispute and explained thoroughly what happened without any changes as a result I am not able to open a checking account. 
I was not aware of CFPB so I did n't file a complaint when all this first happened.
Product: Credit card or prepaid card

Synchrony bank closed my Lowes store card which I financed my fence and countertop with. I have always made payments on time. I had signed up for a card protection program for this Lowes card to protect me in case I lost my job. It charged me {$1.00} per {$100.00} I owed on the card. This was added in monthly minimum payments which had been {$99.00} and with an additional {$160.00} added to the min payment for the card protection. So I canceled the card security and expected to go back to {$99.00} a month min payments but the min payment still included the cost of the card security but I decided it did not make sense to still pay since I canceled it well ahead of time. I paid {$99.00} instead. And I was given a late fee. I got the late fee refunded on the grounds I had cancelled the card insurance. But then I was being told I missed a payment and that this was an attempt to collect a debt. I found out when my card was declined while in line shopping at Lowes. I looked at the card yesterday no problem at all. Then the fact that they are treating me as if I made no payment at all and As if I had been passed due for 3 months. The due date was no more than two weeks ago and I paid {$99.00}. I was never late nor had I ever missed a payment. Synchrony bank has reduced the limit on 3 of my other cards and now they have closed my Lowes cards. I was never late or missed a payment other than this one although I think its against my rights not to lower the minimum payment after I canceled the card protection. I feel they are targeting myself and other people in lower middle class as financial profiling. They do not want normal people like myself owning their cards. They unfairly did not correctly reduce the minimum payment which after canceling the card security program should have been done. This is a clear violation of my rights under the fair credit act. They did not reduce the minimum payment and then when I paid what I felt was due they said that I completely missed a payment and then they closed my card, thus impacting my credit score negatively! I know they are also targeting me because my wife is well past due on many of her cards. This is also incredibly discriminatory and I will filing a class action law suit for the numerous violations they have made on my rights as a consumer!
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX  XXXX Account # 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 reporting or other personal consumer reports

I have attempted to resolve this issue with Transunion, however they have Not proper investigate information being reported on my credit report. This Violate Law 1681i ( a ) they must properly investigate consumer disputes.
Product: Student loan

On XX/XX/XXXX, I received an email from the Department of Education stating that I am a member of the XXXXXXXX XXXX XXXXXXXX lawsuit. 

On XX/XX/XXXX, I received a letter from MOHELA stating that my consolidated student loans had been discharged on XX/XX/XXXX. Shortly thereafter, this was reflected at StudentAid.gov and in my credit report. At the time of the discharge, my balance was roughly $ XXXX. 

On XX/XX/XXXX, I received a letter from MOHELA stating my loans were delinquent. My balance on the website was now roughly $ XXXX. Shortly thereafter, my loans reappeared on my credit report. My StudentAid.gov balance was about $ XXXX on XX/XX/XXXX, but soon matched MOHELA 's $ XXXX. I have messaged MOHELA multiple times but they have not been forthcoming. ( Due to their track record, I prefer to communicate with MOHELA in writing. ) In early XXXX, I received a paper letter from MOHELA ( dated XX/XX/XXXX ) asking me for contact information for myself. I found this letter quite bizarre, as they clearly have my contact information in their files if they are able to send me a letter. 

On XX/XX/XXXX, I received a deposit of {$8300.00} from the US Treasury. No memo accompanied the deposit. I suspect it is related to my student loan situation, but no information is available at MOHELA or StudentAid.gov. 

I attach : ( 1 ) Email re : XXXX XXXX membership ( received XX/XX/XXXX ) ( 2 ) Letter from MOHELA re : loan discharge ( received XX/XX/XXXX, dated XX/XX/XXXXXXXX  ) ( 3 ) Letter from MOHELA re : loan delinquency ( received XX/XX/XXXX, dated XX/XX/XXXX ) ( 4 ) Letter from MOHELA re : contact information ( received XXXX  XXXX, dated XX/XX/XXXX ) ( 5-6 ) Messages with MOHELA ( XX/XX/XXXX, XX/XX/XXXX ) ( 7-9 ) XXXX files ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Debt collection

Over the past few months, XXXX XXXX has been contacting me about a {$140.00} debt I had already resolved years ago with a rental property company, formerly XXXX XXXX in XXXX XXXX, TX. 

Last week, I emailed XXXX XXXX at XXXX, providing them with the ledger from the rental property that clearly demonstrates I do not owe any balance. Despite this, they have not responded and instead sent another " reminder '' to pay this amount. 

I strongly suspect that this company may be engaging in fraudulent practices to extract money from individuals.
Product: Debt collection

Sequium Asset Solutions , LLC on behalf of XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX XXXX. {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( XXXX XXXX XXXX XXXX. - Acct. # xxxxxxxxxxXXXX ).
Product: Credit reporting or other personal consumer reports

XXXX  will not remove unauthorized inquiries. I did not give CBNA any permission to do a hard pull on my credit. I did not receive any product and service from this company. This is identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Date : XXXX XXXX To : Credit Reporting Agencies Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$2700.00} from XXXXXXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XXXXXXXX XXXX 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I did an instant transfer to my Venmo account for {$600.00}. I transferred this money from my XXXXXXXX XXXX account. Even though my XXXX statement was negative {$600.00}, the money didn't appear in my Venmo balance. 24 hours later, it still wasn't there nor was it back in my bank account. When I contacted Venmo as soon as it happened, they were no help, telling me what I already knew. That they didn't have the money nor did they know what happened to it. They said it would most likely go back into my bank. Well, it didn't. I did an immediate transfer because theat money was needed IMMEDIATELY. Not having it has caused a storm of problems for me and with everyday that goes by that I still don't have it, things for me are getting worse. It was needed to get my car from a mechanic who is going to tow my vehicle if they aren't paid by Wednesday. This caused me to be stranded and have to walk HOURS AND HOURS to get back home. I wasn't able to pick up my kids which has caused issues between my ex and I and he is refusing to give my children back to me because he doesn't believe that this is actually what has happened. This happens A LOT with venmo. It's happened to me before, just not for such a large amount of money. Venmo told me that I'll most likely have to file a dispute which could take up to weeks and this is absurd. I didn't transfer that money to an unknown person, I transferred it to them so how and why don't they have it and why does this happen so often with them? They should be out out of out business immediately. It is not ok that this is an ongoing thing with them. I should have been refunded by them IMMEDIATELY when I showed them my bank statement that said the money was sent to them, even though they didn't have it. I shouldn't have to wait weeks on end for a problem get caused. An ongoing problem. This is illegal on so many levels.
Product: Credit card or prepaid card

XXXX XXXX I purchased a shower curtain from XXXX XXXX. On XX/XX/XXXX at XXXX When the item came in it was the wrong color and curtain. I tried calling customer service and was on hold for a very long time. On XX/XX/XXXX I email customer service at ( XXXX ) told them I received the wrong curtain they sent me a fedex return authorization and was told a credit will be issued in full merchandise and shipping total is {$29.00}. On XX/XX/XXXX I tried calling again to speak with a live person and was on hold for a very long time. they are charging me fees of {$26.00} for a wrong item that was returned. 
I did not pay anything becuase the item was returned and waiting for the full credit on the next statement which never happened.. 
XXXX XXXX did not credit the shippling or tax like I was told. I got a late fee of {$25.00} which is more the what the shower curtain was and interest of {$1.00}. I spoke with XXXX XXXX customer service today XX/XX/XXXX at XXXX the women told me she is issuing a credit on the shipping. I asked customer service at XXXX XXXX to contact the credit card on my behalf and help and they said NO. I Contacted Commenity Bank-XXXX XXXX told me she would issue a one time credit on the interest and late fee but I still have to make a payment. WHY??? If they issue a credit and XXXX XXXX issues the credit the balance is XXXX. This is not right or fair... This was not my error this was XXXX XXXX error in shipping the wrong item. 
If the item was sent in error I should not be.penalized for this. Something needs to be done with these credit card campanies and their high fees. 

This was the first and last time I shop at XXXX XXXX on line. 
Customer service is poor and no help. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX  XXXX Balance Owed : {$160.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Checking or savings account

Dear Sirs, Chase is having problems with their Electronic Fund Transfer, online payment on my account and I am thereby not able to have access to my funds or to send a payment from my internet using XXXX XXXX or XXXX browser. This has been going on for at least 24 hours or more. I need to have access to my money and make payments or otherwise, I will be penalized by my creditors. 

Their mobile app is not affected. 

I am a veteran. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loan servicer, FedLoan, has n't been properly designating payments of mine as qualifying for the Public Student Loan Forgiveness Program. Currently, FedLoan only has one payment on XXXX loan properly credited, when I know I have made dozens of qualifying payments. I asked FedLoan to look into this and correct the situation over 2 months ago ( I had also made a request over the phone prior to this, but I do n't remember the date ), but after following up a couple times, they still have n't corrected this. They indicated that it would take 90 business days to look into this and complete my request -- 90 business days is more than 4 calendar months!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian, XXXX and XXXX credit bureaus. I should not have to " opt out '' from these companies using/selling/sharing my information with anyone. Why does the government allow these " opt out '' items in agreements/policies of these companies. It should be an opt-in if you want your information disclosed. These companies do not inform the public that you have to " opt-out '' for these companies to stop disclosing their information.
Product: Checking or savings account

Wells Fargo after 34 years, as a satisfied customer, has chosen to severe the long term relationship. Due to the fact, that someone apparently, cashed two counterfeit checks without my knowledge. I am XXXX years, in my right mind but XXXX XXXX and XXXX XXXX XXXX XXXX 

I understand it's considered a security breach. I get that I can still understand and comprehend why this is taking place. Wells Fargo elected to close the account. 

I asked for an extension because I have a large overdraft fee that would have been completely resolved by my first two monthly direct deposits in XX/XX/2022. The account is suppose to be opened to XX/XX/2022. But the reality is that this account is not functional. What I have learned is that because the Loss Prevention Department placed a hard stop on the account. It blocks any deposits, transfer of funds from other accounts from being credited toward this debt. I wish I had completely understood this caveat before requesting the extension on the account. As it has proven to be a waste of my time and efforts to cure this debt. 

I wanted to do my due diligence to cure the debt. But Wells Fargo won't allow me to do so. Which means that eventually this account will be sent to collections. Which makes me look like I purposely did not intend to cure the debt. When the truth is Wells Fargo has blocked me from paying what is owed. 

I want it on record that Wells Fargo will not permit me to cure my debt. I never heard of such foolishness in my XXXX years of life. 

Sending it to collections on purpose when I have tried to pay is mean. Is this allowed? 

XXXX XXXX XXXX 34 year former Wells Fargo Account Holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies involved : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX, OR XXXX ; ( XXXX ) XXXX Equifax I submitted a complaint to Equifax, stating that XXXX incorrectly reported that I missed a payment for my auto loan on XXXX, 2020. 

I received notice from Equifax ( Confirmation # XXXX ) on XX/XX/2020, stating that XXXX denies inaccurate reporting and my complaint case has been closed. This is incorrect. 

In XXXX, 2020, I was granted permission by XXXX to skip XXXX and XXXX payments due to hardship from the COVID-19 pandemic. They were not supposed to report negatively to credit  bureaus. Oddly enough, they report XXXX in good standing. 

I have never missed or been late on a payment prior to, or after, the pandemic grace period that XXXX gave me. It is unconscionable that a company would pretend to give hardship relief during the COVID-19 pandemic, then turn around and report consumers as delinquent.
Product: Student loan

My cosigner died XX/XX/XXXX and Navient is attempting to call the note due, contrary to their public statement they would cease doing so. My payments have never hit 30 days late in 3 years but I have been turned down for cosigner release or refinance due to credit issues ( mainly stemming from prioritizing the 10 year repayment on this cosigned loan so as to never miss that payment ). 

The auto default clause is still actively being enforced.
Product: Money transfer, virtual currency, or money service

I need a detailed assistance with Reference ID : XXXX. 

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

Scammers scammed money for job offerings and house purchases. 

One transaction is a check deposit, from Wells Fargo to the XXXX XXXX XXXX. 

Date : XX/XX/2020. {$3000.00}. Check # XXXX XXXX XXXX Deposit into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX