23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. The last complaint was closed and I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.
Product: Checking or savings account

My husband died on XX/XX/XXXX. On XX/XX/XXXX, Citizens Bank withdrew his XX/XX/XXXX Social Security payment, which was his benefit for the month of XX/XX/XXXX. Apparently, this is common bank practice, but it is wrong. The banks should know that Social Security is always paid for the previous month, not the current month. I had to spend an hour on the phone with Social Security and needed to complete a form to get the money back. However, it will take 2-3 months for that to happen. 

I have a pension and can get by for a few months without this money. However, if a person relies totally on Social Security and this happens to them, after losing his/her spouse, it would create a terrible hardship for them.
Product: Student loan

Too many dates to document. I was told me several associates at Navient that i could make payments to the principal in addition to the the monthly amount. On several occasions, i would do this. I then started getting bills saying nothing was due. I would call again to find out that the loan was not paid properly EVERY time i would do this method. So several months in a row, i would have to make my payment, make my PO payment and then call back to have it redone correctly with a manager. I have asked to increase my payment from XXXX to pay my loan off faster ( since i was notified today that my XXXX balance wouldnt be paid off until 2035 ). I was advised to not increase it to just call and make additional payments when i could. I also consolidated my loans a while back and tried to get payments in where i could. I have been paying religiously and have BARELY cleared off XXXX. I was putting up to 500 per month on some months.
Product: Credit card

Around XX/XX/XXXX my Best buy account was hacked. ( my best buy credit card linked to my best buy account ) After about XXXX  days they recovery my account. 
After that on XX/XX/XXXX some one bought something for {$850.00} from my best buy credit card.I called to best buy and reported that I don't know this transaction. 
My card was in my possession and did not authorize to use my card.They sent me a new card and removed that amount from my bill. 
Then they sent my case to security operation.They called me and ask me some questions. finally they rebilled it to my account. 
I HAVE POLICE REPORT ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly 120 plus days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) I have scheduled recurring payments on this account with XXXX XXXX. Payments are taken out on the XXXX day of every month. Attached is a copy of the confirmation of payment from XXXX XXXX Customer Service. These late payments appearing on my credit report are false. I make timely payments and have not missed a payment. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.
Product: Debt collection

Resurgent Capital XXXX XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.
Product: Credit card

I opened a checking and savings account at US Bank and during the process I was asked if I wanted a credit card, I stated NO. About 10 days later I get a letter stating my credit card request was not approved due to lacking a identifiable signature. I called the number listed for the fraud dept and went through their questioning then asked for the submitted information and they refused unless I sent them a notarized letter requesting same or go to my local law enforcement and have them fax the request on dept letterhead. They never once mentioned going to the local branch.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as ExhibiXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( XXXX ) The inaccurate reporting of both my account status and payment status by XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Bank account or service

Dear Sir, MadamThursdays are one of my days off. It is also the days I get paid, late in the day to the wee hours of Friday from one of my jobs. Both of my paychecks have always deposited with JP Morgan. Last Thursday being almost virtually with no money but compelled to do my grocery shopping considering the fact that I will be back at my 14 hours a day schedule for the next three days ( Fridays, Saturdays and Sundays ), with no time to do those chores, I waited well into the afternoon and ran these errands. When I do this, JP Morgan Chase will substract the amount of my groceries shopping from the pay checks that were being deposited by my employers. Or this bank could decide to charge me. There is no clear rule as to why it has this option because JP Morgan Chase is the only party that is in the position to say when my checks were deposited and decide to charge penalties or not to charge penalties. And it did charge penalties, three times, last Thursday going into Friday. And it charged me penalties many times due to this fact that the bank is the only one to say whether or not deposits were made before the cut off time : penalties for overdraft on annuities, penalties on tax returns until the IRS issued specific recommendations. So, I believe the latest penalties JP Morgan charged me again are abusive and would like it to refund me those. I am not in a position to check the time it said my pay check was deposited into my account and I suspect many times JP Morgan delayed the time a deposit should be credited to my account in order to charge penalties. I have no way of proving it but it is a strong impression I have. 

Thank you for your time. 

Regards, XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX NV XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/25 I entered Truist Bank to cash a settlement check received from my attorney XXXX XXXX XXXX XXXX for a lawsuit settlement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the death of my son at a XXXXXXXX XXXX XXXX. The check was written on a Truist Account and was verified and cashed by Truist bank XXXX. I then decided to open an account with Truist and deposited {$10000.00} into a checking account. Truist has restricted my account for fraudulent activity. No transactions or withdrawals have been made since the initial deposit. This seems to be fraud on Truists part and I plan to file a lawsuit against this bank and want my account unrestricted immediately
Product: Debt collection

Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX  deleted said account. XXXX and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching a billing statement as proof. 

I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same billing statement referenced earlier. The same happened after I mailed them again on XX/XX/XXXX. 

It seems that Portfolio Recovery Associates, LLC is also attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense, and is illegal. 

It seems they are trying to take advantage of consumers ignorance of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
Product: Debt collection

Due to the circumstances of me moving out of this apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the property manager at the time agreed that there would be no consequences for breaking the lease.
Product: Credit reporting or other personal consumer reports

XXXX has removed XXXX of my account from my credit report without any reason at all Company name XXXX # XXXX XXXX XXXX I owned this account for too many to many years.
Product: Vehicle loan or lease

On Tuesday XXXX XXXX XXXX with Quick track asset XXXX came to my home at around XXXX XXXX to pick up a XXXX XXXX XXXX XXXX XXXX I did not answer door I did not hear him at the door so he took the camper without me signing a voluntary surrender form Which is required for travel trailers in Louisiana. When contacted he came back after XXXX. without the travel trailer asking me to sign a voluntary form I refused because I did not know the condition after he left with it and pulled it to XXXX. This travel trailer should not have been self helped in XXXX. I am aware of this because I am also an agent at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX  According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX  refused to correct the payment history please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XXXX XXXX XXXX letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XXXX XXXX XXXX letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XXXX XXXX XXXX  letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XXXX XXXX XXXX, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I would like to verify that the company is acting in good faith by reviewing the amortization schedule per the loan terms.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to XXXX and or remove these accounts : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the XXXX XXXX stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the XXXX business days allowed with the XXXX & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Mortgage

I have a letter from Wells Fargo dated XX/XX/ that shows my Loan Number XXXX as paid in full that states they would be instructing the county to record the satisfaction/release documents, however, the lien was never released as I am just now finding out. I have contacted Wells Fargo several times and followed their instructions to fax my request to the department that is supposed to handle this but the faxes never seem to get to them. I have several confirmations that the fax was received and I have confirmed that I am using the right number but when I call customer service there is no record of my requests and they can not contact anyone in that department or give me a phone number for that department. The only other option I have been told is to mail a letter to a XXXX XXXX XXXX XXXX XXXX, there is no physical address where I can send my request certified mail with return receipt requested. 

I would appreciate any help you can provide to me in getting the lien released on this loan I paid off 20 years ago.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX XXXX. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We refinanced our home with Celebrity home loans on XX/XX/XXXX. The funding manager came to our home to notarize the refinance documents. She was unable to bring copies and said she would email us the following day of all the papers we signed. On XX/XX/XXXX we still had not received copies of the above documents and I reached out via email to the funding manager. I received a response and was told the loan officer would get us a copy of our closing documents. On XXXX I emailed our loan officer following up and letting them know we received the refund from our previous loan servicer for our remaining escrow and they could cash our closing check. XX/XX/XXXX I sent another email and called the previous day leaving a voicemail with no response. I received an email later that day from the loan officer stating the titling processes that and she would cc them onto the email. XXXX I sent another email to the loan officer as I still did not hear back from the titling department. XXXX I was notified be email that loan officer was no longer with the company and a new agent would be taking over. She stated she would look into the issue. XX/XX/XXXX I still had no resolution regarding the copies of the closing documents. I received a response later that day, " I will light a fire today!!! '' XX/XX/XXXX and still no response so I sent an email stating I was going to file a complaint if the documents were not received by XX/XX/XXXX. I still never received a response to that email as of today nor has our closing check been cashed.
Product: Money transfer, virtual currency, or money service

After using the money transfer service Wise ( formerly TransferWise ) for more than five years, with my bank account at XXXX Bank, it has recently become impossible to do any transfer, while attempting to do so on a numerous occasions, my money is being held by Wise for a few days, then refunded to my account at XXXX. I have not received any meaningful support from Wise representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.