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

I purchased TransUnion credit score monitoring all in 3 report. At that time I placed a security lock on my credit file for XXXX. When I logged in on XX/XX/XXXX it was stating that the the service for XXXX was temporarily down. I have not been able to unlock the XXXX report through TransUnion and it is preventing me from doing things with my credit. I have called TransUnion multiple times to get this fixed and they are of no help. They provide NO case numbers so that when I call to follow up, no one knows anything. I was then told it was a technical error, and it needed to be escalated. My subscription with XXXX  cancels onXX/XX/XXXX and I am TERRIFIED that this will never be resolved. My patience is now taxed and the language barrier with the customer service representatives makes this experience even worse. All I want is my credit report UNLOCKED for XXXX through the TransUnion site. This should not be this difficult. It has been saying for almost a month that XXXX is temporarily down.
Product: Debt collection

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

XXXX rental charged over {$19000.00} to my Texas Workforce Commission unemployment prepaid debit card backed by US Bank. US Bank investigated fraudulent activity in XX/XX/2020. They found the fraudulent activity to be true but did NOT refund the money. They closed the case and gave me no recourse.
Product: Credit card

Banamex USA cancelled my credit card number XXXX XXXX XXXX XXXX on XXXX 2015, I reported the issue with CFPB XXXX and did not get a solution to my problem. After that I decided to apply for a credit card in another bank and it appears that my credit report does not include my Banamex USA credit history. I sent a request to Banamex USA to correct this on XXXX/XXXX/2015 and they responded that they could not. 
I need my credit history with Banamex USA to be included on my credit report, my social security number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Finance ) TRUIST DEALER SERVICES ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX5 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Accounts listed bellow : XXXX XXXX XXXX #? 

XXXX was unable to provide me CLEAR and ACCURATE information regarding this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXX  Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO LAW.
Product: Money transfers

Person that I was paying was using a false account, desired amount for {$20.00} and then recipient lost contact with me. I believe that the account was fake and used it to recieve money from me. Money was transferred via Paypal.
Product: Credit reporting

I purchased a car on XXXX XXXX, 2014 from XXXX XXXX in XXXX, IL. I received a contract and drove off with the car that day. On XXXX XXXX, and XXXX XXXX, XXXX decided to run my credit report again to the same finance companies creating a total of XXXX inquiries on my credit report, since I bought the car on XXXX XXXX, 2014. I never gave permission for XXXX to run my credit again and for what. When I explained this to the credit bureau, XXXX XXXX, XXXX, and Experian, they informed me that hard inquiries ca n't be removed, because they were done by the consumer or credit holder. I was very upset, because I never authorized or give permission to those finance companies or XXXX to run my credit on XXXX XXXX, or XXXX XXXX, 2014. My credit score has dropped over XXXX points because of this. When I told XXXX, they said well we were trying to find a different 'finance company, if XXXX XXXX had approved me. I asked them to have it removed in XXXX, but they said I needed to dispute it with the credit bureau. Now I 'm back to here. I ca n't dispute it with the credit bureau, because they wo n't let me. They state that it is a hard inquiry so I ca n't dispute it. Can you please investigate? In the Experian report on pages XXXX shows the inquirees. Please notice the dates for XXXX, 2014 and the multiple inquiries. Thanks!
Product: Bank account or service

On XXXX XXXX, 2015, I went to the Fifth Third Bank in XXXX, IL and closed out my account in person. I was assured that the account was closed. XXXX XXXX re-opened this account after unauthorized and/or fraudulent charges attempted to come through. They did not pay anything, but proceeded to charge upwards of XXXX NSF charges. They never contacted me by phone or mail to let me know the account was re-opened. They simply sent me to a collection agency. In addition, no statements were provided or overdraft letters. Finally, my contractual obligation with the bank ceased when I ended my relationship with them. Finally, how can a bank charge over XXXX NSF fees when they were not out any money??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I requested copies of all documentation on file. All I was sent was the cover signature sheets that show XXXX disbursement amounts and they provided zero documentation showing billing proof of record from XXXX XXXX University or the original contractual agreement from XXXX XXXX. I feel there is some seriously fraudulent activity going on here and I am requesting help from the CFPB to review NorthStar, XXXX and XXXX XXXX University. I reached out to XXXX XXXX University and they only provided XXXX document showing XXXX disbursement on the form. They have no others on file which means the additional are fraudulent and need to be removed unless they can provide me the correct information to support it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year Fraud occured on my account. My wife and I reached out to get this corrected. The fraudulent activity took my checking account into the negative. There was a starting balance of {$0.00} and after the fraud my line of credit absorbed the negative amount and began to accrue interest. I was credited back the wrong amount to cover the fraud. Since XXXX I have attempted to resolve the situation in a polite and respectful manner multiple times. I have gone into a branch, I have spoken with the fraud department, and I have spoken with collections. BBT now Truist has violated the Fair Credit Reporting Act by incorrectly reporting fraudulent activity which is neither fair nor accurate reporting. I have suffered credit damages from this and I demand that the requested adjustments be made. I have contacted legal counsel at this time and though I am not yet represented, we believe that there is a basis for a suit under the Fair Credit Reporting Act. The CFPB is now aware of the situation and I hope a resolution can come to fruition before a suit is filed in Federal District Court. I have also requested that a 10 day payoff be sent to me and I have not received a response in online banking. I will NEVER do business with BBT now Truist and I will actively recommend that people do not use your services based on my experience. I am utterly stunned at the lack of communication, the lack of attentiveness to detail, and finally the lack of customer care in this situation. 

XXXX XXXX at the XXXX branch however has been very helpful in assisting me but the rest of the organization Performs at a sub par level.
Product: Credit card or prepaid card

I called Best Buy credit company several times about updating my available balance and they say it takes 10 days because I made a payment {$500.00}. I fill discriminated because I am XXXX and they think I dont have the funds to pay this amount. The funds have cleared my bank account and they still want update my availability. They updated the balance owed and says no payment due at this time. I even paid my balance two days before due date and they is giving me a hard time.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year> and XX/XX/year> I sent out letters on these days asking Equifax to remove inaccurate information from my credit file. They continue to report an address that has never belonged to me and continue to report a balance of {$12000.00} with a collection company XXXX XXXX that has been paid in full. I have submitted a letter from the company along with the receipt showing this has been paid on 2 occasions. They continue to ignore my requests and do not update/remove the information or send me an updated credit report as requested. I have also asked for the accounts that exceed the statutory time period of more than 7 years since opening the accounts be removed from my report. I have also asked for names of the sources that they received the information from and got nothing.
Product: Debt collection

IN SPEAKING WITH XXXX XXXX AT XXXX., I ADVISED HER TO REMOVE MY WORK NUMBER FROM THEIR LIST. AFTER SPEAKING WITH HER FOR A FEW MOMENTS SHE THEN TOLD ME SHE WOULDNT REMOVE MY WORK NUMBER AND HUNG UP ON ME. ANOTHER EMPLOYEE NAMED XXXX SAID A SUPERVISOR WOULD CALL ME BACK TO ADDRESS THE SITUATION, SHE COULDNT HELP ME. THEY WERE VERY UNPROFFESSIONAL, EVEN YELLING AT ME, " TO PAY MY BILLS ''. WOULD NOT LET ME SPEAK, SHE GOT LOUD WITH ME TO DROWN OUT WHAT I WAS TRYING TO TELL HER. THIS DEBT IS FROM 2000. IS IT STILL LEGAL TO COME AFTER ME IN THIS MANNER?
Product: Student loan

My student loan servicer ( MOHELA ) refuses to remove interest that was incorrectly added to my account and continues sending me inaccurate ( totally random ) billing statements. MOHELA placed me in a " processing forbearance '' while attempting to correct the errors they made on my student loan account ( inaccurate billing statements/ extremely delayed processing of XXXX PSLF application ). During this time, my loans should have been in administrative forbearance. When I called MOHELA about this and the inaccurate interest rate that accumulated on my account, the representative 's response was highly troubling. The following quotes are from the MOHELA rep : " I do not have any information about 'administrative forbearance, ' '' " interest accrues during all forms of forbearance, even administrative forbearance '' ( directed by the DOE ), had " no knowledge '' of the administrative forbearance the DOE instructed MOHELA to place borrowers in who have experienced servicer errors, and " you have to call to request 'processing forbearance ' to be removed. '' MOHELA claims to have no idea about the DOE 's directive to remedy student borrower accounts that were incorrectly billed/ incorrectly had interest added to their principal balance.

Moreover, I never requested a " processing forbearance. '' The processing forbearance is the result of MOHELA 's inability to handle its workload. Why would I have to call to ask to have it removed? They did not even communicate with me to let me know I was in " processing forbearance. '' The representative was useless. She refused to connect me to a supervisor, would not document our conversation, nor provide me with any documentation about the policies she allegedly referenced. The rep said all she could do was " escalate my claim. '' This is entirely unacceptable.
Product: Credit reporting or other personal consumer reports

Unifin Inc. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account XXXX XXXXXXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account XXXX # XXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Money transfer, virtual currency, or money service

got paid never received my check through cash app!
Product: Money transfer, virtual currency, or money service

ordered a Jersey from XXXX shop online. I used Paypal to complete and pay for the transaction. I picked a credit card for paypal to use. noticed the amount changed on XXXX shop so I left paypal to check the order. found order just updated with shipping and taxes added. went back to paypal to finish transaction and closed all browsers upon completion. went to bank to get some cash the next day and noticed my account was XXXX. looked at history and found Paypal used bank funds to pay for XXXX shop order. contacted Paypal and told them their software wasn't working correctly as I picked credit card to make the payment. they kept repeating it was user driven and they had nothing to do with the choices. no matter how many times I explained it they kept saying user driven, user driven, etc etc. They would take no responsibility for their bad software. Now I have over draft fees to pay due to Paypals inadept system.
Product: Mortgage

On XX/XX/year>, I spoke on the phone with a representative for my mortgage holder, Freedom Mortgage. I explained that I had mailed my payment XXXX weeks before the due date yet I was charged a late fee. This has happened multiple times. The representative stated he would remove the late charges. Next mortgage statement arrived with those late fees of {$62.00} still shown as due. On XX/XX/XXXX and XXXX, I attempted multiple times to speak with a representative and was repeatedly left on hold despite telling them I was due back at work. When they told me they couldn't help me, I requested to speak to a supervisor multiple times and was ignored and then cut off. 

This company has also refused to remove the mortgage insurance they charge me each month despite the fact that the property is valued ( property tax document ) at almost {$900000.00} and I owe less than {$300000.00}.
Product: Debt collection

In XXXX, 2010 I purchased a foreclosed home from Bank of America XXXX BofA XXXX. BofA still thinks that it owns the home and is mailing me debt collection notices and sending debt collectors to my house.
Product: Checking or savings account

Discover Bank harasses me sends people to spy on me violates confidentiality agreement gives out confidential info behind my back and slanders me with it
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the dectrine of estoppel by silence, Engelhardt v. Gravens ( 09 ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 
These following collections are to be deleted per LAW. 

XXXX XXXX XXXX : {$220.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX : {$720.00} Original creditor : XXXX XXXX XXXX  XXXX
Product: Debt collection

Victoria Secrets Store Credit Card was CURRENT with a small balance of {$400.00}. Then Victoria Secrets went out of business, closed there storefront in Maryland where payments were made, & Victoria Secrets declared Bankruptcy. This was XXXX XXXX. So, then I get contacted by a 3rd party XXXX XXXX claiming they are working for Victoria Secret to collect XXXX XXXXXXXX & its a lawsuit of some sort. Its a completely wrong amount more than double the balance left on the card when Victoria Secrets went Out of Business and filed Bankruptcy. They completely disregarded multiple payments made on the Credit Card. I actually think theyre a fraud XXXX company, and I feel a bit like a XXXX XXXX  in XXXXXXXX XXXX XXXXXXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

STERN RECOVERY SERVICES IS REPORTING AND TRYING TO COLLECTED ON A FRAUD ACCOUNT. FIRST HEALTH HAS KNOWN AND HAS AMITED THAT THE ACCOUNT IS FRAUD. POLICE REPORT HAS BEEN REPORT AND UPDATED TO ADD STERNS RECOVERY SERVICES HAS FRAUD NOW NORTH CAROLINA XXXX XXXX HAS BEEN CONTACTED SINCE STERNS RECOVERY SERVICES HAD KNOWLEDGE FROM SEVERAL OTHER ACCOUNTS WITH FIRST HEALTH THAT WERE FRAUD ... IM A CHIEF FEDERAL JUDGE IN XXXX NC AND XXXX SC AND A INVESTIGATION WILL BE PLACED TO SEE IF THERE IS FRAUD WITHIN STERNS RECOVERY SERVICES.
Product: Money transfer, virtual currency, or money service

The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to complain against the Navy Federal Credit Union XXXX 
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I would like to draw your attention to XXXX XXXX I sent my complaint letter to Navy Federal , in which I clearly stated how this scam has affected me personallyXXXX XXXX and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Navy Federal never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or about XXXX XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Navy Federal account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federals custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ;