23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im checking my credit and see it went down tremendously and I see a medical record that clearly isnt mines.Thankful I have NOT been to a hospital or gotten sick to have to. Strange enough the medical place is in XXXX, I love In a totally different state now. Anyway I called stalling financial to inquiry this fake medical record .. Finally after two attempts I got thru to someone. I called and let him know I need information on this debt you guys trying to collect and messed up my credit for. I think have him the information he needed and WALLAH! I wasnt even in the system and my name wasnt coming up ... Interesting strangely they didnt even have my name on file and told me to call the original debtor which is XXXX XXXX XXXX ( XXXX ). I called the the XXXX  and they had no clue about what Im talking bout or whats going on then hung up in my face Twice. I called Stallings back to let them know that what they wanted doesnt exist and they still couldnt find my information and told me to contact the credit companies. I dont even have an account number to begin with!! They didnt even have the account number, nor a bill to even provide bc its all fake hmmm how STRANGE!!! Im upset, stressed and angry!! Wasted a wholleeee day!! I need answers and dont have them!! This is bad on both companies part and I will be reporting XXXX XXXX XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my ChexSystems Consumer Report. 
'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks.

'Statement that the inquiry remains in my ChexSystems File for up to ( 3 ) years or until " the XXXX XXXX XXXX  and the XXXX XXXX XXXX only!!! makes ( Verbal or Written request ) to ChexSystems for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and Consumer ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the XXXX XXXX XXXX was as to why " I have a Security Freeze and Fraud Alert in place on my ChexSystems Report. 
'Explanation that I have been unable to open a Money Market Savings Account with XXXX XXXX  during the last year because " the XXXX XXXX XXXX  refuses to remove the Inquiry on my ChexSystems Consumer report.
Product: Debt collection

The collection agency XXXX XXXX XXXX called me at XXXX. The first young man was nice when I told him that I wanted to settle the account with the original creditor since they offered to settle with me for a lower amount. He told me he could ask his supervisor to match the amount and transferred me. The lady kept pressuring me to make a payment plan, so I agreed to make on next month since I dont have any money at the moment. The lady became irate and kept telling me that I couldnt settle with the original creditor, even though the creditor said I could. I told her to call me in about a month to give me time to 1 ) get money since I just started my new job and 2 ) could reach out to the original creditor. The lady continued to ask for my card information ( I would never do this over the phone and told her to email me online payment information ). I told her no and to call me in a month. She got angry and hung up on me. I was polite during the whole conversation. I could have hung up the phone too, but I didnt.
Product: Checking or savings account

I think they trying to close my account but I owe them money but I can't sign in to my banking to pay or add money to my account
Product: Credit card or prepaid card

Citibank and XXXX XXXX XXXX have determined they will discriminate against law abiding citizens exercising their second amendment rights under the constitution by taking political, non-business-like actions to inhibit citizens rights. As second amendment advocates, we take exception to this marxist, political grandstanding and expect the CFPB to take action against these banks to prevent this political grandstanding. Further, as we work to take action against these banks, and, in turn, expect the CFPB to do the same, we are proceeding to terminate a more than 30-year relationship with Citibank and open accounts with their non-discriminating competitors. Your assistance and actions against this discrimination are essential. We need your help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX 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

Name XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a XXXX XXXX at XXXX University, XXXX, MA. On XXXX XXXX, XXXX, I became a victim of a scam and identity theft and I ended up losing {$3000.00} in gift card purchase ( {$2500.00} on Barclays credit card and {$500.00} cash ) after being threatened with arrest and deportation. I am a US XXXX XXXX and in hindsight, should n't have bothered to listen to the scammer who posed as the police sergeant from XXXX with all my personal info and convinced me on the phone that I had committed some unlawful act by not completing form XXXX. I filed a police report and referred to the following FTC link XXXX : XXXX which clearly states that in the case of stolen or fraudulent transactions, the user is not liable. As the police report clearly states, this is a case of " Larceny under false pretenses '' since the purchases were done against my will and under the influence of the scammer 's wrong claims. As a XXXX XXXX, I can not afford to spend more than a few hundred dollars each month and so a bulk charge of {$2500.00} should have been blocked by Barclays right away going by my spend history. Despite opening a dispute with Barclays and  sending them the police report, they have declined to regard that and hold me accountable for the {$2500.00}. I would kindly and humbly request you to intervene and help me in this case by letting Barclays know of consumer rights and help recover my {$2500.00} back and try and nab the real culprits. The scam artist made me purchase XXXX gift cards from the XXXX XXXX store in XXXX, MA using my Barclays card. Please note the gift card numbers below : XXXX XXXX XXXX XXXX XXXX The XXXX XXXX store manager was n't able to fully verify if those cards had been redeemed but said there was no way to recover the money or trace the redeemers. Please help! Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'am a member of Navy Federal Credit Union , I have an account with them for some time now, I completed all of banking with them. not to long ago I had NFCU dispute some fraudulent charges on my account in which they did investigate and give me my funds back, once the funds were in my account, I spent the money. After a few weeks, NFCU took the money back and this put my account in the negative {$8000.00} +., XXXX of my direct deposit checks were also deposited during this time and this deficit took my check. this severely impacted my livelihood and forced me to go into debt with numerous other companies. Navy Federal has since charged this debt off, are still asking me to pay them back. IRS identifies a charge off as income, Navy federal has yet to provide me with a XXXX, Navy Federal are conducting illegal acts with my account and have infringed on my rights.
Product: Credit reporting or other personal consumer reports

This morning, I saw that my credit report included incorrect accounts, and I dont know why. When I checked my report as usual, unexpected errors appeared. I refreshed my browser, thinking it might be a minor glitch, but the inaccuracies didnt disappear. Im now asking for a detailed review of the documents I submitted to prevent this issue from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about 2 issues with Transunion not having my writing instruction to report items on my consumer report & Tranunion reporting incorrect information on my consumer report. 

This section is very clear that Transunion must have my written instruction. And they dont have my instruction to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  on my credit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Secondly, Transunion is reporting XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX on my consumer report as Charge off 's after they file 1099C. Charge off is defined as Gross Income by IRS. And they have already received income from IRS for the alleged debt. And income is not suppose to be reporting on my consumer reports.
Product: Vehicle loan or lease

InXX/XX/XXXX, I paid off a boat loan that originated with XXXX XXXX, but taken over by Yamaha Motor Finance in  XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX showing that the loan had been paid off and the account was closed. I still had not received the title as of that time. I had contacted Yamaha Customer Service in XXXX after I received confirmation that the money I sent to pay off the loan had cleared my bank. I asked how I could expect before I received the title and was told 30-45 days. When I still had not received the title by XXXX, I contacted Yamaha again and spoke to a supervisor. He told me that he had placed another request in to the department that takes care of titles to see where it was and why it was taking so long. I waited the allotted time that the supervisor told me to wait and still no title, no phone call or no email. I called Customer Service again and asked to speak to the same supervisor. He was there and told me that the only thing he could do was place another requisition to the collateral department and told me that he would absolutely contact me back with 24-48 hours to give me an update. He also informed me that the only way he could converse to the collateral department was through company email, that he could not call them directly. I waited four days and no return call or information. I began researching online for Yamaha Motor financing and was able to locate an email address for the collateral department. I gave them all the pertinent information about my account and the problem I was having with the title. As of today, I still have had no call back, no notification, no outreach or comment from Yamaha or their collateral department. It has been four months now since this process began and no email or contact from Yamaha. The sale of this boat to an individual is pending the delivery of the title. I am already very displeased with the service I am receiving from the company. If the gentleman backs out of the purchase of my boat, I will be extremely upset as it will intensify my already struggling financial situation. I am unable to attach a copy of the email sent to the collateral department, as well as the email I received from XXXX XXXX. I can inform you that the email from me to the collateral department was made XX/XX/2020 and the email from XXXX XXXX showing the account had be closed was received by me on XX/XX/2020.
Product: Payday loan, title loan, or personal loan

BROOKWOOD ( USING SELECT  MGT. ) HAS ON NUMEROUS OCCASIONS CALLED ME AT WORK AGAINST MY EXPLICIT INSTRUCTIONS TO STOP CALLING ME AT WORK. IN THE PROCESS, THEY HAVE REVEALED TO MY EMPLOYEES THAT I HAVE A LOAN AND THEY ARE A COLLECTION AGENCY. THEY EVEN TRIED TO VERIFY MY EMPLOYMENT ON  XXXX / XXXX / 17 . THEY HAVE BEEN AGGRESSIVE AND THREATENING WHEN I HAVE SPOKEN TO THEIR  COLLECTORS  THREATENING LEGAL ACTION. I HAVE ATTACHED PHOTOS OF THE CALLER ID AT MY WORK. THEY WO N'T STOP CALLING MY WORKAND EMBARRASSING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$740.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$32000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and someone has used my personal information to open accounts under my name and when I tried to report it to the reporting agency they kept telling me it was accurate and they would not remove these fraud accounts off my credit report.
Product: Student loan

Ex-husband used my information to get a parent loan for his biological daughter under my information and social security number. This did not come to be known until we were in midst of divorce and it showed up on my credit report. It was agreed to and acknowledge by the judge and in our divorce decree and court judgement that he would be responsible to pay this loan off and get it out of my name and off my credit report as it was fraudulently obtained without my knowledge and/or agreement. I have notified the " loan plus '' hotline and they have in the past put a hold/deferment on this loan as my ex-husband is currently in default of the court order and has been held in contempt of court. 

I do not understand why I being penalized for his fraudulent behavior and why this is still attached to my social secruity number, " my debt ratio '', and i have to manage this on my credit report when it was not my doing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for, and was granted, Covid-19 mortgage relief. The first payment relief date was XX/XX/XXXX. 

At that time I was still current on my loan. The investor was XXXX XXXX & my loan was being serviced by XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX XXXX sold the loan. Im not sure who the new investor is. The relief period ended in XXXX, XXXX. I made all 3 of the trial payments on timeXXXX, XXXX and XX/XX/XXXX. My mortgage account servicer, Shellpoint Mortgage Servicing, reported my loan past due for XXXX, XXXX, and XXXX. All 3 of those payments were made on or before the due date. 

My mortgage account is with Shellpoint Mortgage Servicing. 

I have complied, on time, with all of the conditions of my loan agreement ( s ). 

I believe this is very unfair and against the intent of the US Governments Guidelines regarding Covid-19 forbearance policy.
Product: Credit card or prepaid card

I need a new card issued and I was on hold 5 hours!!! Lady answers she ca't help me. I followed the step that it said to follow to get the new card and to change the address.. WHAT DO YOU MEAN YOU CAN'T HELP.. sorry .. On to the next call 3 hours later system down ... NO HELP AGAIN.. had them try to call me.. Ok, this would work if the people calling you back would let you answer before they hang up.. NO JOKE HAD MY PHONE IN MY HAND 2 times and went to answer.. they hung up before i could push the button.. I have now been on hold again for 2 hours .. Lady answer.. GUESS WHAT.. She can't help transferred me to another location now I have been on hold for 2 more hours.. OHHHH WAIT.. she told me just to do this with automated system on line.. NO XXXX XXXX XXXX XXXX .. If my card was not lost and I would do that!!!!! I ask her for my account # she can't give that to me for security reason. DEAR LORD HELP ME!!! lol First, I want to say I know times are hard and I do appreciate everything people are doing to help .. But WHY is this so hard just to get a new card issued!!
Product: Credit reporting or other personal consumer reports

I paid the account in XX/XX/year>. They offered to settle the account for {$210.00}. I paid what they agreed to and I asked them at the time of payment will this be removed from my credit reports all 3 bureaus : XXXX, XXXX and XXXX, the representative said yes in 90 Days. If its still reflecting on my credit reports after 90 Days to call them back and request for it to be deleted from all 3 Credit Bureaus. Ive called several times and now theyre saying they cant remove it. XXXX, XXXX and XXXX have all told me Capital One has to request to remove the account from my credit reports and they do have the ability to request for this negative item to be deleted from my credit report. I want Capital One to have their account information deleted from all 3 Credit Bureaus : XXXX, XXXX and XXXX. It is preventing me from finding a place to rent and to establish good credit history. I tried disputing this with the credit bureaus unsuccessful.
Product: Checking or savings account

We closed on our home XX/XX/2020 and received a cashiers check from the title company on a local bank. We deposited the check with Wells Fargo XX/XX/XXXX. The manager XXXX said there would be a few days hold on it and he would call and check on it and get back to use. He didnt. Its been 8 days so I called title who called the bank and they said its been available since XX/XX/XXXX. So the manager lied again. 3 lies : it wasnt released in a couple of days, he did not get back to us ( I had to call him ), he never followed up, he never called the bank as he said he did. We are frustrated Wells Fargo has lied and still not given us our money. 

The Wells Fargo office involved is at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The manager we are having the problem with is XXXX. 

We also called Wells Fargo corporate who said they would work on it and there never should have been a hold on a cashiers check.