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

Over the past XXXX I have contacted this credit bureau and disputed that a XXXX XXXX XXXX account that was reporting on my credit report was reporting inaccurately. They claim that they contacted XXXX XXXX XXXX and that they verified the information on my credit report as accurate and this was a lie. I contacted XXXX  XXXX XXXX and they informed me that this credit bureau never contacted them to verify my account information. These credit bureaus are evil and because of there false reporting I was not able to get a mortgage or get the funds needed to start my business. My lawyers are preparing to file a suit against this credit bureau for damages for each month that this credit bureau continues to report false information on my credit report. I am also send a copy of the letter that I got from XXXXXXXX XXXX XXXX to the Federal TRade Commision so that a fine can be levied against this credit bureau for false credit reporting. For over XXXX  months they reported that they contacted the creditor and that the creditor had verified the information and this was a XXXX XXXX. They are destroying people 's lives for what I don't know. 
I will also be sending all the credit reports received and the false reports from the false investigation that they claim they did but never did. This note is just to notify the CFPB what this credit bureau has done and to expect some documents from me for there illegal action and to levy a fee against them for there illegal actions. 
The CFPB needs to stop these credit bureaus from doing things like this. My attorney XXXX XXXX XXXX will be contacting this credit bureau shortly on behalf.
Product: Credit reporting or other personal consumer reports

Failed to provide consumers copies of signed authorizations : Enova initiated recurring electronic fund transfers from consumers bank accounts without providing the consumer with a copy of a signed authorization identifying the particular bank account that the consumer had authorized for such transfers, in violation of the 2019 order. Also, the account was re-opened then closed again without my knowledge, the amount listed as owed lowered showing Enova in error after they stood by their claims on here, and re-aging debt by reopening an old account to show me missing an additional payment on credit reports without my knowledge of the account being re-opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im asking Chase to stop making credit inquiries every month!!!
Product: Student loan

I applied for 3 private loans while XXXX XXXX at The University XXXX XXXX XXXX. My loans have been serviced through AES : American Education Services. I set up a payment plan and automatic debit for these loans when my first payment was due. I was in school half-time from XXXX, and the school apparently submitted this information to the clearing house and AES deferred my payment, and lowered my payment to a point where it was n't even covering the interest rate. They said they sent me a letter about this, but I do not recall this, nor did I give my permission to do this in the first place, as I thought private loans were n't able to be differed. I was working full time and going to school part time and would have been able to make the student loan payment just fine. Now I 'm looking more closely at my loans and discovered the principal balance on XXXX loan is XXXX more than my original balance. On the XXXX loan is XXXX more than my original balance. I feel that I 've been paying and never had a late payment on these loans, and they have increased my balance when I did n't understand or did n't even know about this deferment.
Product: Debt collection

Ncb called me the other week stating that I owed them some much money but I do not owe that amout they sent me documents but there wrong documents um
Product: Credit reporting or other personal consumer reports

There seem to be some billing errors in my credit report, including late payments that dont match my regular payment history. Please make the necessary adjustments to my account.
Product: Payday loan, title loan, or personal loan

I had already had a loan with company and only owed them XXXX on the loan, and needed more money. so I called in for XXXX and told them I wanted on separate account, but they did not. They refinance the same account and now I owe them XXXX, which is not right, because I did n't borrow nearly that much.
Product: Checking or savings account

I have been a Chase Bank customer for many years and had a checking and pre-paid card with them. In 2014 I called Chase Bank to file a dispute on a fraudulent transaction on my pre-paid card and all my accounts were unexpectedly with no explanations. I reached a Chase representative in the overseas area, and that representative closed all my accounts without advising me that all my accounts were being closed or why, and placed a remark as " excessive claims/disputes '', which I was only notified after contacting Chase by phone. I never had excessive claims or disputes on any of my accounts. Today I contacted Chase Bank to determine how to correct this error and remove this remark, but got nothing accomplished.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF ED/XXXX XXXX XXXX XXXX ) amount : {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX ( # XXXX ) amount : {$140.00} 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As previously disputed this XXXX account is still providing inaccuracy to Equifax credit agency. I will attach a copy of XXXX past dispute response and also a copy of the credit report and whats currently reporting. The company states that the account was 30 days past due in XXXX ( rrefer to attachment ) but they are reporting that XXXX was 30 days past due on the credit report. The information is incorrect and they confirmed in their past statement that this is incorrect. The Account is also reported open and was closed on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the inaccurate information as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> Equifax Subject : Request for Deletion of Collection Account XXXX Dear Equifax I am writing to dispute the collection account reported by [ Collection Agency Name ] on my credit report. The information reported is incomplete and inaccurate, and I am requesting that this account be deleted from my credit report. 

Details of the Disputed Account : Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Updated Balance, No Monthly Reporting The collection account reported does not include complete and accurate monthly updates regarding payments, fees, or the accumulation of the balance. As a result, the information provided is insufficient to verify the validity of the debt and is potentially misleading under the Fair Credit Reporting Act ( FCRA ). 

Since the reporting of this account does not meet the requirements for completeness or accuracy, I am requesting that it be removed from my credit report immediately. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out Over 30 days ago. I never received any letter or any other response.
Product: Checking or savings account

I was charged an overdraft fee by Pnc bank when my balance was positive. 

The overdraft fee itself caused an overdraft on my account otherwise my balance never fell below XXXX. They are refusing to refund this fee. 

I had a charge that brought my balance to {$.00}, I then made a deposit of {$100.00}. I was then charged a {$36.00} overdraft fee by PNC bank despite never going below XXXX until the fee was applied. 

You can see clearly in the attached screenshot from my account that this was a fraudulent fee.
Product: Debt collection

An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner financial, did a hard inquiry on my XXXX credit report on XX/XX/2018 after I spoke with an agent and advised them that I did not want to refinance, because they would run a credit check and my husband and I are in the process of purchasing a new home and I received notification that there was a hard inquiry from Mariner Financial on XX/XX/2018. I have reached out to the credit bureau to have them remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I reached out to The XXXX XXXX XXXX XXXX via certified mail in regards to a collection account for {$1100.00} on my report I have actually reached out to this company twice in regards to validating this debt. I have no contract with this company with my signature.This company doesnt have a license to collect a debt in the state of Michigan XXXX They also did multiple soft pulls on my credit report. This company never responded both times Ive reached out. On XX/XX/2022 I decided to reach out to TransUnion, XXXX, and XXXX via certified mail in regards to the collection account as well as a charge off account from XXXX XXXX and a few other accounts asking all three of the bureaus to validate these accounts. All three credit bureaus stated that the debts were verified I saw this information from the main websites they did not send me any of the documents that I asked for. I feel like the credit bureaus have failed in regards to treating me fairly. This has affected my credit score Tremendously and this has affecting me in regards to obtaining new credit.
Product: Debt collection

Debt Co LLC phone number XXXX has called me before XXXX XXXX  on several occasions. On XX/XX/2023 they called me at XXXX XXXX  & again at XXXX. On XX/XX/2023 they called me at XXXX XXXX  & XXXX XXXX. I informed them of the time locally & warned they called before the legal time. Today, on XX/XX/XXXX, they called me at XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violation 15 US Code 1681i - Procedure in case of disputed accuracy. 
TransUnion was unable to provide a description of the procedure used to determine the accuracy and completeness of the information. 
See all evidence and letters from TransUnion from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX violating my right under Section 1681i. 

Certified Mail : XXXX ( DATED XX/XX/XXXX ) To : Unable to Verify and Complete Investigation in 90 days I requested a full reinvestigation of the following accounts on XX/XX/XXXX and never receive a formal response from TRANSUNION with documents and procedures proving this accounts are accurate. As per my right under Section 1681i, your company is in violation of the Fair Credit Reporting Act, and 15 U.S Code 1681s-2, 15 U.S Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company listing my account as a charge off every single month instead of just the month it was charged off. I have also reached out to this company for debt validation with no response. Please assist me in contacting thr company to get the necessary information. 
Thank you.
Product: Mortgage

I have submitted XXXX packets of information to Wells Fargo to help gain a loan modification back in XXXX XXXX.I have been working with XXXX XXXX XXXX and this was to be a two week process and it is now 5 months. Wells has continually asked for the same information XXXX times and there has never been a resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Friday, a girl named XXXX XXXX texts me that she has an interest in renting the room in my Appartment. She sees the floor plans online and says she's interested and she asked me to send me money as she needed some assurance for it. She says she sent me {$130.00}. Instead she calls my bank and makes a ATM deposit claim of {$1300.00}. After that, my bank credits me {$1300.00} as a temporary credit. She tells me she sent {$1300.00} instead of {$130.00} and send her {$1100.00} back. I did via XXXX transfer. Again that evening she texts me that it wasn't working and she has reverted money back to me, when again she made a second claim on my behalf calling bank of America. I send her the money again. So I send her the money actually from the claim but not the money I thought as she transferrd. I get two messages on my bank of America about the claim, I didn't understand anything. I'm amazed how anyone can call from phone and make a claim without calling from an authorized number from Bank of America. Since it's a XXXX transfer, bank of America will reach out to her account and investigate, but I highly doubt it will work. I want justice against this XXXX and bank of America transfer system which has no fraud protection.
Product: Checking or savings account

An online checking account with Comerica Bank was opened with my information, but I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major identity theft case I have filled a police report identity theft report and have hired a lawyer I havent gotten any help after disputing the item several times there are still inaccuracies reporting on my credit report XXXX XXXX credit card services opened XX/XX/XXXX fraud balance XXXX $ Account number : XXXX name on account : XXXX XXXX XXXX XXXX : XX/XX/XXXX this has affected my family in so many ways I just want justice for the person that did this deserves to be stopped and help accountable.
Product: Mortgage

On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX i did a complaint and this is my third complaint that ive written and XXXX XXXX XXXXl isn't following the law I informed them that they do not have no license to collect a debt in New York state and it doesn't matter that they got a license from a debt that they bought from the original creditor. they keep sending the same answers as such " XXXX XXXX XXXX XXXX has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address XXXX XXXX XXXX XXXX has on file. 
Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. '' now i am informing the CFPB that this CREDITOR is not registered to collect a debt in my state and they are hurting my credit.
Product: Debt collection

Lvnv Funding is seeking to collect a debt from an account that I didn't make an agreement with there company and which they have no signature or authorization from me.
Product: Credit card or prepaid card

In XX/XX/XXXX TD Bank XXXX  issued a credit card to someone in XXXXXXXX XXXX XXXX XXXX XXXX, MD,XXXXXXXX in my name for XXXX XXXX  ( high end watches and jewelry ). I started noticing in XX/XX/XXXX that my credit score going down so I looked up my credit report and found this issue. The scammer charged {$5000.00} on XX/XX/XXXX and never made any payment. I have been living in XXXX for last 32 years which shows on my credit report with the same phone number for last 20 years. No one from TD Bank reached me via call or email if I have applied for the credit card. Any ways in XX/XX/XXXX when I finally realized hat I am an identity theft victim I started making call to TD Bank and submitted fraud application to them. TD bank finally replied on after 4 weeks and wrote they have insufficient evidence to substantiate my claim and attached a receipt which has completely different signature on it. It was in in store purchase in XXXX XXXX XXXX XXXX XXXX, NY XXXX. I called at the store and they told me they can provide in store surveillance video showing the buyer to TD Bank. No response. In fact they turned that fraudulent account to debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Make A Way Worlwide charged me upfront for credit repair services on XX/XX/2023 they charged me XXXX upfront for credit services..I found out I shouldnt have been charged upfront because no services havent been done
Product: Debt collection

I have never had an account with this company, I've never heard of them. If this is my debt why have I never received a bill to my address that I've lived at for the last 16 years. I have had the same energy company which is XXXXXXXX XXXX  XXXX. I feel this is an identity fraud, I reached out to this company by phone and I finally got an answer first it's not a professional business. Said they have no account under my name, then after I gave my phone number she says oh oh wait I found it. She then transfer me without telling me that line rung 15 times then hung up. If this is my account I would like to know under who name, what address was it used for and something a bill showing I ordered this service. I'm upset with XXXX because I have a membership and I feel they didn't research it enough to leave on my account. It was 2 accounts which were from this same company 1 bill for XXXX and the other XXXX. Please research this company it is definitely a fraud attempt. I have no documents because I never had this service.
Product: Credit card or prepaid card

Received an unrequested US Bank Reliacard postmarked XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Block , Inc [ CashApp ] due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Block , Inc [ CashApp ] failed to take timely and effective measures to address issues on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was both unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused significant inconvenience, financial loss, and unnecessary stress, and I am seeking appropriate redress for these issues.
Product: Debt collection

Back in 2023... I financed about {$1800.00} or to have my teeth straightened with smile direct club, with {$250.00} down and {$88.00} a month.. half way through back around XXXX of XXXX I get an email stating smile direct club is no more and has filed for bankruptcy case no. XXXX with the southern district of Texas XXXX XXXX XXXX So no more services could be obtained.. no support, no trays to continue with the straightening of ones teeth or anything. 
Than I began to receive calls, text messages, mailings and withdrawals were taken out my bank account from a company named healthcare finance direct. A company that invested with smile direct. I asked them to stop calling, messaging and sending me mailings, thats fraudulent to try to collect on smile direct behalf when they ended treatment. They wont stop Im not the only one. 
I blocked the company, I blocked my bank account.. but I still get the mailings.. please help I have to start all over Im out of money and my teeth are still not straightened, its not right those company is trying to collect in smile direct behalf and they ended services. 
full address is # XXXX XXXX Healthcare Finance Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}