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

XXXX  has been non-compliant with removing the unverified account ABILITY RECOVERY SERVICES , LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SERVICES , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a company called XXXX XXXX XXXX and I noticed on a Capital One account document it had my wife name on the document that I have sent to you XXXX. Please contact Capital One and have them remove it for once and for all. 
Thanks XXXX XXXX
Product: Checking or savings account

I had been in the hospital since XX/XX/2023 until XX/XX/2023. I had been recovering from bronchitis. When getting out of the hospital I noticed the amount of {$14000.00} being taken from my reserve account on XX/XX/2023. I also notice the amount of {$2900.00} being taken from my reserve account on XX/XX/2023. 

When talking to the fraud XXXX for PNC, I mentioned that it could have been my brother or someone close to me. On XX/XX/2023, they showed photo evidence of the transaction. It was my brother using my debit card and taking my identity. I filed a police report on the person using my identity. PNC is not listening to me and withholding {$16000.00}. I should be FDIC assured if my funds were taken by fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely tired of Experian 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with Experian! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to Experian and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? Experian is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that Experian loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that Experian delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Product: Checking or savings account

I received my XXXX check to the Money Network Bank that is contracted by XXXX. {$900.00} was transferred to a personal account that does not belong to me. I filled a dispute, but they are still refusing to return my money. I have spoke to several employees including managers and supervisors and every single person has given me a different answer. There is no cohesiveness in the responses and they get very defensive when I asked them if it was an internal issue. I received no notification regarding a transfer being sent from my account. The Money Network accounts are suppose to have 2 step login, however I never received a text message with a code or anything. I asked for a receipt of the transaction and they refuse to provide it. They gave me the account and routing number where the money went, I called the institution where the money was sent and was told the account did not exist with them. I was also told that money couldn't be transferred to a third party account, however the money was sent to a XXXX account. I have tried multiple times to get updates on documents and proof I have submitted and the bank agents refuse to provide me any confirmation they received documents. They are now saying that they can not guarantee that I will be receiving that money. I am confused and angry on how this is happening. This is the only money I had for the next XXXX weeks. This incident occurred on XX/XX/24 and we are now 9 days in and they refuse to provide me any updates. They closed my account for fraudulent transaction and if I ever do get my money back, I will need to wait for it to be mailed. I am going crazy because my rent is now 9 days past due and I am in risk if being evicted. Please investigate this bank, this has been happening to multiple people. I contacted XXXX and they can not do anything about it. Please help me. It seems like a scam and they should not exist.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are potentially reporting collections account that I believe is incorrect. 

The name of the collections agency is XXXX XXXX XXXX ( XXXX ). XXXX is not the original creditor of the account they are trying to collect on and failed to validate the debt with all the information I requested for either than a statement or a copy of the contract. 

XXXX did not provide me with information on how the debt was obtained, how much was paid for it and the amount I owe. 

It's possible that insurance covered this debt whiles I could not pay and unemployed
Product: Mortgage

Well we purchased our home in 2007. We ran into financial issues and called Wells Fargo for assistance. They told us of a loan modification program. They said in order to qualify we would have to be behind in our mortgage. We were current at the time but knew we would be falling behind. With that in mind they encouraged us to fall behind ( so we did prematurely ) then called in as instructed. They stated to pay a certain amount which was less than 700 dollars for about 6 months ( along with a financial hardship document with our debt to income information ) and at the end of that they would have a proper mortgage payment for us ( well address it ). We paid that for months half way through the process we received letters talking about our mortgage being behind. We called on several occasions that it was nothing it is just customary to receive those during those times. Well the 6 months ended and they stated they couldnt provide us of new terms yet. They did and set us up for another 6 months shortly after we started the new program we had a Sheriff knock at the door stating we should get out of the house. We were completely blindsided and we were in foreclosure and they stated we werent. They lied about everything. I have everything recorded from my phone that I have transferred over started recording after we started getting the foreclosure letters and they stated everything was fine. What really sucks is that we had to pay an attorney in XXXX who acted on the behalf of Wells Fargo to get the house out of foreclosure which was never really in that process ( according to what they said ). 60 percent of what we paid were attorney fees and Wells Fargo fees. We pulled from our 401 k got penalties there and during the process our credit was run through the mud all of our interest rates went up and closed accounts. I would have never gone down that route if they didnt push me to do it. That process ending up costing us a lot. What is funny when I called the on it they completely removed any record of this on their books. When I asked for a statement they sent me everything but when I was on the program. It is almost like they were trying to cover it up. Wells Fargo should at least give me back my attorney fees for their false process. The measly XXXX the government forced them to pay last year does n't cover the other XXXX in attorney fees. Pain and suffering should be thought of too. I have all of the documents and recordings of Wells Fargo just did n't upload them want to see what can be done first. I have submitted this before they are not telling the truth about what they did and their process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( JP Morgan Chase ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and JP Morgan Chase. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023
Product: Money transfer, virtual currency, or money service

Recieved the response from the company and they lied about why I saw the price I did. Here is my original complaint. 

The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called Shiba Inu ( SHIB ) that I purchased XXXX dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at XXXX USD I SOLD XXXX SHIB  because I thought I was going to reciever XXXX cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made XXXX min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of SHIB, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions XXXX min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a CEX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of XXXX cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally
Product: Credit reporting or other personal consumer reports

Several unrecognizable and unauthorized hard inquiries appear on my report. Ranging from XXXX. 

XX/XX/23 XX/XX/23 etc XXXX mortgage companies.
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 charge fees due to lagged posting of charges and credits. This situation against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe this is an unfair way on how to go about things especially with no knowledge. Today XX/XX/XXXX I have a negative balance of $ XXXX don't know where it came from. Also I have a return check fee of {$XXXX}. That I never heard of. On XX/XX/XXXX I have another returned check fee for {$XXXX}. And on XX/XX/XXXX there was a check deposited into my account the company that sent me the check took the check back and I called their financial department they said it was an issue. I was granted {$XXXX} dollars out of the check but they took that also when I had already used some of that money to pay a bill. How is it that another company can come into my account and take my money that wasn't there anymore.
Product: Debt or credit management

All credit bureaus have me as excellent!! they all took off my bankruptcy that was from XXXX last year. Trans Union also took it off last year!! but last week they put it back on and deducted XXXX points from my credit score with no explanation. 
total misinformation about my years of credit cards, the amount of credit that I even had and why they put the bankruptcy back on after a year when no other credit bureau has done that. They did not give me any points for having XXXX XXXX years of XXXX XXXX on time payments and having a much higher credit limit than they originally thought. 
They acted unprofessional because I have worked so hard to build my credit and all the other of the bureaus had me as excellent so instead of giving me more points for correct information they put the bankruptcy back on and took away those XXXX points
Product: Credit reporting or other personal consumer reports

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'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it 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 you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting. 

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have not been properly investigating a inaccurate account on my credit report. They were notified of the issues with this account on my credit report on XX/XX/2022, and I still have not received a response or any resolution. They are stalling and are harming my reputation and violating my privacy in the midst of it all. The following accounts are to be permanently deleted : XXXX EXPERIAN and XXXX never verified that this information was accurate before placing it on my credit report. I have the right to fair and accurate credit reporting pursuant to the FCRA ; this negative inaccurate and unverified information listed on my credit report is exact opposite. Experian and XXXX was supposed to let me know that this account was going to be reported before it even hit my report and was supposed to give me the opportunity to direct that such information not hit my report. These transaction were not a matter of public knowledge or record and it is an invasion of my privacy which Congress says that I have a right to. Congress also says that they only have 30 days and it has been well over 30 days and I have not received any response. Pursuant to 15 USC 1681i, I want a description of the investigation procedure that took place as it relates to the above-mentioned accounts ; who did you all speak with, what are their addresses, what was asked, what was said, and when did this take place?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. 

The only times I ever spoke with someone was XXXX. They confirmed the account was closed, but it remains open. 

Every other time I spoke with a person who said theyre would forward my information to someone to call me back for help, but never received a call. 


I had to go and find the form myself and submitted it on XXXX, but still no closure XXXX weeks later.
Product: Student loan

XXXX Please reference this case. 

There are a lot of misinformation given. After receiving your decision I called back Nelnet to get a better understanding of what happened in case I just was n't understanding. 

-The response on XXXX/XXXX/XXXX said that my per Diem was {$14.00} but when I called Nelnet the adviser told me my per Diem had gone up to {$14.00} and said that the report given to CFPB was not accurate. Same day response. 

-When I switched to a traditional payment plan they steered me to forbearance for over 30 days to allow the system to process and raised my back due interest to {$1700.00} as of XXXX XXXX. My payment will be {$530.00} which of that {$440.00} was going to be the interest portion and the rest was principle. I said I intended to pay {$600.00} per month and they informed me that any money above and beyond had to pay the back interest of {$1700.00} which means it will take me 2.5 years approximately to pay off that interest they steered me towards. 

I feel like I 'm in this situation due to them steering me toward the forbearance. 

That 's my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed Regional Acceptance from my credit report just recently and I had a dispute with XXXX to remove this closed account but they said it will remain. How can they not remove it when its removed off of XXXX. It is suppose to be removed from all credit reports.
Product: Debt collection

I had know knowledge and try to work with them but they refuse and very rude also I try to have them remove off my credit report because say charged off
Product: Mortgage

My loan is through PennyMac. I pay it at the end of the month - that is when I have money to pay it. I have always paid it at that time. I have had multiple conversations where they acknowledge the request and that I am less than 30 days past the expected pay date. They keep calling me during the day, at work, during the month about that payment. They say the only way that I can get them to stop calling me at work, while I am working, on the only phone I possess ( a cell phone ) is to file a " cease and desist '' letter. 

I have to pay a lawyer to get them to not call me at work, during the day. That is unacceptaable.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the Security Breach at Equifax Credit Reporting Agency, I signed up for their Trusted ID Premier Website to monitor my Credit Report in XX/XX/XXXX. OnXX/XX/XXXX, I received 2 letters from XXXX XXXX one dated XX/XX/XXXX requesting additional information on my account about a dispute that I sent to one of the credit bureaus & one on XX/XX/XXXX requesting the same information on my 2nd account with XXXX XXXX. These accounts are definitely mine & are in good standing with no missed or late payments. I did not send any dispute letters to any Credit Reporting Agency disputing anything with XXXX XXXX. Yet, on XX/XX/XXXX I received from Equifax Credit Reporting Agency a credit file datedXX/XX/XXXX stating that these 2 accounts were mine as a result of their investigation/re-investigation. They also placed a comment of disputed by consumer as a result of investigation/ re-investigation on my credit report. This is fraudulent activity being done by Equifax with my Credit Report.
Product: Debt collection

They call from different numbers up to 8 or more times a day. Their frequent calls is not going to put money in my bank account to pay them.