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

I am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to Transunion, XXXX, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint about transunion. They said they will send another dispute however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them. I recorded a conversation with XXXX XXXX with her knowledge and she admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them.
Product: Debt collection

I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report Equifax have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a Pay As You Earn Loan/Teacher Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX Dept. Of Ed/Nelnet reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.
Product: Credit card or prepaid card

Similar to a previous complaint, Capital One continues to allow personal information to go into the hands of intruders. They recently sent a letter to me that claimed someone else tried to open an account in my name for their XXXX service they provide as part of their online XXXX XXXX XXXX, so they closed the account for XXXX. Capital One is in breach of many security measures and unfortunately, their bizarre actions and missteps are a reflection of the XXXX XXXX that took place in 2019 under their watch. I think allowing Capital One to continue operating as a XXXX XXXX is forcing a thin line upon borrowers. Until Capital One can truly invest in being trustworthy, there should be severe restrictions on their business, and perhaps prison time for those within the company who failed to properly equip the company with those necessary lawful preventative means.
Product: Checking or savings account

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used was debit card was at XXXX XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish my XXXX shopping. Thanks
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting

Equifax is reporting inaccurate information on my credit report that is a violation of the Fair Credit Reporting Act. 

I disputed XXXX XXXX XXXX XXXX accounts on my credit report, XXXX and XXXX and the accounts were never marked as in dispute. This is a huge violation of the Fair Credit Report Act where I can be entitled to {$1000.00} for each violation. Please delete XXXX of these accounts from my credit report. 

Another big problem is that Equifax continues to report XXXX Chapter XXXX bankruptcies on my credit report which is a huge mistake. How can that be possible? Chapter XXXX Bankruptcy with docket number XXXX states it was dismissed so why is it reporting on my credit report? 

In regards to Chapter XXXX Bankruptcy docket number XXXX, they are listing the asset amount and exempt amount as {$0.00}. That is so incorrect. How can they get away with reporting this inaccurate information when I have disputed it multiple times with them? 

Now for the biggest violation of all. 

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1200.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX, XXXX Balance : {$5700.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1500.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$5600.00} All XXXX of these judgments need to be deleted from my credit report.
Product: Credit card or prepaid card

CITI AADVANTAGE PLATINUM SELECT CARD. They had a promotional offer for XXXX miles towards XXXX XXXX for signing up for the card. I apply for the offer on XXXX and have not receive the miles yet. I apply over the phone and they told me I was eligible to get the miles. In addition, I have call them a couple times to resolve the issue and they always came up with a different excuse for not giving me the miles. 

Original Account information last 4 digits are XXXX. This account was change to current number last 4 digits XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because, in spite of my multiple disputes, they have consistently reported false information on my credit report. My rights under the Fair Credit Reporting Act ( FCRA ) are being directly violated by this. 

All of the aforementioned creditors and collection agencies are obligated by the FCRA to look into disputed material within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I discovered a collection on my credit report ( s ) from I.C. System, Inc. in the amount of XXXX XXXX, XXXX XXXX, XXXX Dollars and XXXX XXXX  ( {$1100.00} ). I sent two separate debt validation request letters to I.C. System, Inc., both of which were sent via certified mail with return receipt requested. The first letter was sent on XX/XX/XXXX, and the second letter was sent as a follow-up on XX/XX/XXXX. Despite following the appropriate legal requirements for requesting debt validation, I have yet to receive any response from I.C. System, Inc. This lack of response raises serious concerns about the validity and accuracy of the debt in question. The FDCPA clearly stipulates that debt collectors must provide consumers with certain information upon requesting that I.C. System, Inc. prove that they are in compliance to collect such debt including the original contract with my signature of the debt, the name of the original creditor, and the amount owed. By failing to respond to my debt validation letters, I.C. System, Inc. is in violation of these provisions. I would like to emphasize that my intention is not to evade legitimate debts or disrupt lawful collection efforts. Instead, I seek transparency, accuracy, and fairness in the debt collection process. As a consumer, I have the right to verify the legitimacy of any debt being pursued.
Product: Credit card

I was recently contacted by my bank, PNC Bank, headquartered in XXXX, PA. At the time, I had XXXX checking accounts and XXXX savings account with the bank. They contacted me to convince me to open a credit card account. They said the new credit card account had XXXX features 1 ) no interest for the 1st 18 months on new purchases 2 ) no interest on balance transfers for the 1st 18 months. I did my own analysis and decided, based on these facts, to accept the invitation to open the credit card account. A few months after I opened the account, I decided to transfer a {$9000.00} balance from another credit card account. 
When the transfer finally posted on my new PNC credit card account, there was an additional {$270.00} charge as well associated with the transfer. 
I immediately called the bank and was told that there is a 3 % charge on all balance transfers. They claim it was in the literature that they sent me. It simply ca n't be fair for a bank to aggressively try to cross-sell a customer a new product and not disclose this type of term until the customer has already accepted the new account. This is what happened to me and PNC had refused to refund the {$270.00}, so I 've filed this complaint.
Product: Student loan

I had previously taken XXXX loans out with Ascent Funding LLC. Despite roadblocks on Ascent 's part such as refusing to provide pay off loan documentation, I was able to refinance the XXXX loans from Ascent with another servicer at a much better interest rate. In email documentation with my current refinancer, I was told that Ascent received and processed the check for both loans covering the amount the total amount owed. The check was processed and received on XX/XX/year>. Based on the information provided by my refinancer through email, the XXXX loans were identified along with other pertinent information. Ascent has only closed one of the loans and has kept the second loan still open and active. It is still accruing interest and they are attempting to collect on a loan that was paid off. On XX/XX/year>, Ascent was contacted through phone call regarding the previously mentioned issue. Ascent had agreed that a mistake had been made and would be resolved within XXXX business days. I also provided screenshot documentation of the email sent to myself by my current refinancer stating the above information. Ascent was contacted once again on XX/XX/year> regarding the issue not being resolved. Ascent reaffirmed me the issue would be resolved and I would be contacted the following week. I was not contacted, therefore I once again reached out on XX/XX/year>. It was agreed that this issue would be resolved by Friday XX/XX/year>. It has not been and there is a balance still being showed owed to them and it is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It shows XXXX and Equifax scores dropped XX/XX/XXXX from a XXXX dispute with XXXX XXXX. When XXXX XXXX took over our mortgage we were not made aware. Our payments continued to try and route to XXXX XXXX, after numerous attempts to contact XXXX XXXX  to set up a bank draft ( hours/days of waiting and dealing with voice prompts ) we finally spoke with a supervisor to set up our account for auto draft and to date, everything has been copacetic. When XXXX XXXX  bought our mortgage it was a difficult transition with very little transparency and communication with us. Now, it reflects on our credit report for something we had little control over. We have always set up an auto draft to keep our credit scores in good standing and now it has fallen because of a companies lack of communication. 
Respectfully
Product: Prepaid card

I am not able to spend the {$50.00} prepaid card anywhere. Payment is declined.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

3. Validate Account XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

4. The following is an invalid late payment XXXX XXXX BANK XXXX Account Number : XXXX Please remove late payments and update account 5. The following is an invalid late payment XXXX  XXXX XXXX Account Number : XXXX Please remove late payments and update account 6. The following is an invalid late payment XXXX Account Number : XXXX Please remove late payments and update account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a folowing situation - I just legally Immigrated to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 
I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry.

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past.

But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.
Product: Debt collection

Recently, I investigated my credit report and found questionable reporting practices and failure to meet minimal requirements with National Credit Systems. I have written several letters to all three credit bureaus on XX/XX/year> and again on XX/XX/year>. I have sent a letter directly to National Credit Systems asking for a correction and/or prompt removal of incomplete, outdated, or unsupported information. To date, nothing has been updated. As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXX # XXXX {$99.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX J XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX # XXXX {$490.00} The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( XXXX ) ( D ). Plus remove hard inquiries that does not belong to me : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with DEPT OF EDUCATION/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DEPT OF EDUCATION/XXXX  claim I owe. DEPT OF EDUCATION/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Mortgage

My name is XXXX XXXX my social security number is XXXX I have a mortgage loan with bayview loan servicing my loan account number is XXXX the customer service number is XXXX XXXX XXXX their address is XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX .my complaint is that I'm two payment s behind I asked them to go on a repayment plan. They told me that I have to make a payment for XXXX .in which I did then allow sudden they tell me that I have to put more money down like XXXX dollars. I ask them can they accept the payment I made recently for XXXX. I only now owe XXXX and XXXX payment.. Can you please talk to bayview loan Serpvicing to see if they will process my repayment plan with the payment I made recently. I'm trying to work with them. But they won't more money down I'm only two payment s behind since I made XXXX payment. I'm trying to prevent any foreclosure from happening. I'm not in any danger now. Just two payment s behind
Product: Checking or savings account

On XX/XX/2022 I went to the ATM machine right outside the front door of a Wells Fargo bank branch to deposit a check. The ATM took the check into the receiving slot and then displayed a message indicating some sort of error. It indicated the check could not be processed OR returned (! ). I immediately went inside. The teller I spoke to said the check probably could be retrieved. When I asked for that, the manager took over. She went into the secure area accessing the ATM from inside, took about 10 minutes and then came out and told me " there are too many checks to look through ''. She told me to open a complaint with Wells Fargo, she was not at all helpful and was even hesitant to give me the phone number to make the report, which she finally did. I asked for a staff member to be with me while I placed the ca in case the people at the complaint phone number needed information I might not have - she said no staff person was available as they had appointments coming in - but two staff people were free. 
Since then I have been contacted multiple times by various Wells Fargo staff, by phone, emailand regular mail, never requesting additional information simply saying, " We're processing your inquiry. Thank you for your patience. '' On XX/XX/XXXX I received a letter indicating they had processed a " provisional deposit '' for my checks amount of {$2000.00}. 
Today, 6 weeks since the ATM error, I received a letter stating, " no error has occurred '' and that the " provisional credit '' will be deducted. 

I am beyond upset and so disappointed about this. I know what happened. For Wells Fargo to tell me " no error occurred '' is incredible. 


I find it so upsetting to think about the consequences of something like this had I been in desperate need of the money for rent or bills or if I was less able to pursue my complaint. 
I also worry what I would have done had the ATM not been located right outside the branch office or if the bank has been closed. 

I've been told by Wells Fargo that I should have the check reissued. I think that was their game plan all along - to wait it out until I gave up on them and had the check reissued.
Product: Checking or savings account

I I recently use my debit card to complete a purchase on XXXX XXXX  for my XXXX  birthday party the XXXX  ended up scamming me and not writing me back I have proof from text messages and request trying to get my money back no answer I reached out to my bank to dispute the transaction they told me because of the type of transaction that it couldnt be disputed