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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the EQUIFAX data breach, I was informed and have verified my info was used fraudulantly. I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX is a business building and XXXX XXXX XXXX XXXX XXXXXXXX XXXX is a XXXX XXXX according to XXXX XXXX. I was told by XXXX they don't do investigations and wouldn't help. 15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. I believe my rights have been violated. I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. I have enclosed my original FTC ID Theft Affidavit along with my EQUIFAX settlemnt Claim # for proof. 

XXXX XXXX Opened XX/XX/2017 {$8900.00} was reported to XXXX and XXXX. 
XXXX and XXXX have deleted the accounts already. 
XXXX  xxxxxxxxxxxx XXXX Opened XXXX {$8900.00} was reported to Equifax how can it be accurate when clearly it's XXXX different information. 

Remove this account and stop viloating my rights by inputting erroneous info.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under 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.

1. Account Name : XXXX XXXX Account Number : XXXX 51 US.C. 1681 section 602 .A States I have the right to privacy.

51 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation. 


Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I discovered a duplicate withdrawal for {$120.00} from my bank account for an XXXX XXXX XXXX service payment. This resulted in an overdraft and caused significant financial inconvenience. I immediately contacted my bank to dispute the charge and was informed it would take XXXX business days to resolve. 

To prevent further issues, I contacted XXXX XXXX XXXX on XX/XX/year>, to report the double payment and cancel my autopay authorization. I was disappointed to learn that XXXX XXXX XXXX lacks a system to prevent duplicate payments and was informed that the refund process could also take several days. 

This incident has caused me significant financial hardship and stress, as I was unable to meet other financial obligations due to the unexpected overdraft. I believe both my bank and XXXX XXXX XXXX share responsibility for this situation and should take immediate steps to rectify the issue and prevent similar occurrences in the future. 

Please refer to the attached complaint letter for a detailed account of the events, including specific concerns regarding the lack of consumer protections and the need for improved practices by both companies.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX 's disclosures are confusing and they force the borrower to get a " co-signer '' without ever having any lending agreement with the co-signer. Then send the loan to the co-signer. The original borrower is responsible for payments but if more is paid in advance they stop collecting. on the auto pay and let the interest bring the total owed to more than before the large payment was made. They have threatened the " co-signer '' without ever having any signed loan agreement with that individual.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and as a result, a fraudulent account has been added to my credit file. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent account be blocked and deleted from my credit report : Fraudulent Account to Be Blocked and Deleted : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00}
Product: Debt collection

Midland Credit Management calls me daily, attempting to collect a debt *for someone else*, a person that I do not know. I have told the reps who call MANY TIMES that I am not that person, I do not know that person, that I do not need their services, and to STOP CALLING ME. They will share information about the person 's ( they are looking for ) debt ( a violation of collection practices ), even after I inform them I am NOT that person. I block the number they call from, only to have them call from another number. I have tried getting them to understand that they have the wrong number, but they KEEP CALLING. I no longer answer their calls, but do immediately block the number when they find another to harass me from. How do I get them to stop?!?! Today 's call ( XXXX EST ) came from XXXX. To date, I have received their badgering phone calls from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
1.XXXX  XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct XXXX XXXX 4. XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX XXXX Acct # XXXX 7. XXXX XXXX  Acct # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions! 15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years! 15 USC. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian, and XXXX informing them that charge offs are considered income and should be removed off of my consumer report immediately and permanently.
Product: Credit card or prepaid card

purchase 2 cards on XX/XX/23, cards wouldnt work, called XX/XX/23, cards were verified as not loaded, started a formal case with a case number, provided all requested information. Waited 20 days, called in, put on hold and call disconnected by vendor. 
Please force refund thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax and they have told me that fraudulent items were off of my credit report and they were supposed to send me an updated report but they did not. I checked on XX/XX/2020 and they told me when it updated I would see the changes and yet it's even worse than it was before because there are accounts that were removed that are now back on my report. I am including proof of this and they simply need to remove these fraudulent accounts as there are only 2 active accounts on my file and 2 closed accounts on my file, XXXX and XXXX XXXX, active, and XXXX XXXX  and XXXX  mastercard closed. 
Equifax needs to correct this within 4 business days from the XXXX of XXXX to the XXXX of XXXX, 2020.
Product: Mortgage

XXXX XXXX - Loan # XXXX XXXX XXXX XXXX currently has a reverse mortgage with XXXX XXXX formerly Nationstar Mortgage LLC. I took a reverse mortgage on my property on XX/XX/XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind on my taxes due to a hospitalization that lasted longer than expected. I fell behind and was not able to get caught up due to living on a fixed income. I reached out to Nationstar and XXXX in XX/XX/XXXX with my daughters assistance. For three months they stated that they were sending the forms out and I never received them in the mail, finally in XX/XX/XXXX, I received the forms that needed to be filled out for a HUD at Risk Extension. I filed my paperwork in XX/XX/XXXXand sent additional information over in XX/XX/XXXX. On XX/XX/XXXXm I my extension was approved and then on XX/XX/XXXX the law Firm XXXX XXXX, XXXX entered a civil case against me. I was then served paperwork and had to appear for court on XX/XX/XXXX. I do not understand why the lawsuit was filed against me on the XX/XX/XXXX when the HUD At Risk Extension approval was completed on XX/XX/XXXX. If the mortgage company would of provided me with a the documents requested in XXXX then I would not of received the law suit. I was approved for the HUD At Risk Extension on XX/XX/XXXX and XXXX XXXX generated and sent me a letter on XX/XX/XXXX, almost two weeks after I was approved. Which this allowed for enough time for the law firm to file the law suit against me.
Product: Checking or savings account

To Whom It May Concern, I am filing a complaint against Capital One regarding their failure to distribute my direct deposit, which has caused significant inconvenience and financial hardship. 

I expected my direct deposit to be credited to my account on XX/XX/year>, but as of XX/XX/year>, it has not been made available. I have contacted Capital One multiple times and have not received a satisfactory resolution. Their failure to process the deposit has disrupted my financial obligations, including my mortgage, electricity, car, and grocery bill. 

This delay violates the terms of service and fails to meet industry standards for processing direct deposits. I request the CFPBs assistance to ensure that Capital One promptly distributes the funds and prevents this from happening in the future. 

Contact with Bank : XX/XX/year>XXXX  and XX/XX/year>. 
I would appreciate your prompt attention to this matter.
Product: Student loan

In early XX/XX/year>, I noticed my student loan balance shoot up over {$31000.00}, despite no loans being disbursed. My loan servicer is Ed Financial. 

I had made a payment of {$30000.00} and a few other payments that Ed Financial claimed were reversed to my savings account. I checked my savings account AND called my bank ; there were no payment reversals applied to my account. I am out at least {$31000.00}. Moreover, the interest since XXXX has been accruing on a larger, incorrect amount of principal. I also don't feel comfortable sending payments to Ed Financial, so interest is again accruing unnecessarily ( I am able to make payments, but I don't feel my money is safe if I transfer funds to Ed Financial. 

I have been calling Ed Financial almost every couple weeks ; on XX/XX/XXXX, they moved the complaint to emergency status but no update since then.
Product: Debt collection

XXXX XX/XX/2024 XXXX  through XXXX  XXXX. It was paid with last month of insurance payment XXXX $ and now they have a second company Harris & Harris XX/XX/2024 trying to collect XXXX $ for the same payment. I have not given either of these companys authorization to use my information and it has been paid off says XXXX  and I asked for a 1099 form and was hung up on. I wait both of these removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
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

I have one student loan account it is in good standing I talk to XXXX  On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX
Product: Credit card or prepaid card

I have a checking, credit card, and brokerage account with Wells Fargo. On XXXX we had an issue with our brokerage account since we were converting it from a cash account to margin. I used my Wells Fargo credit card to pull a cash advance in the amount of $ XXXX and moved it to our brokerage. After finding out I didn't need to do this ( since the margin call was erroneous ), I paid the cash advance back in full XX/XX/XXXX ( before my credit card statement ). I called and spoke to customer service and a supervisor to request leniency and understanding to have the {$350.00} cash advance fee reversed since I paid the amount immediately. They refunded {$20.00}. Then my statement cut and even though I already paid the entire balance before the statement, I was charged {$38.00}. I requested this be refunded on XX/XX/XXXX which was denied. Completely appalling for Wells Fargo to claim that their internal process does not allow fee reversals anymore.
Product: Debt collection

I sent a debt validation letter to LVNV Funding LLC over 30 days ago and have not received a response. It has come to my attention that the collection agency associated with this account, LVNV Funding LLC, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I deposited {$40000.00} check into Chase business account titled XXXX XXXX XXXXXXXX XXXX XXXX which is I own this business account. On XX/XX/2024, Chase bank closed my business account because they suspects the potential fraud and cant verify the person who wrote this check. Chase bank insists to verify this person with cellphone, I gave this persons phone number to Chase, they told me this phone number isnt under this person name. I bring this person to Chase bank with her two ID, one is XXXX XXXX XXXX driver license ID, another one is XXXX passport and try to verify this person with Chase who wrote the check to me. Also I provided my XXXX bill to Chase shows that this person current phone number is under my family plan. However Chase ignored all my legal documents, they told me they wouldnt release {$40000.00} to person until they verity person with cellphone number. XXXX would not be able add another person name on my account. And XXXX told me all cellphone numbers are recycle. During the last XXXX days communication, Chase told me beginning they didnt receive any check, the check was missing, they asked me to filed complaint report at XXXX XXXX , and then they told me theyre holding the check wouldnt give me back until they verified this person with cell phone number. I really need the justice and help from CFPB!
Product: Credit reporting or other personal consumer reports

I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

- XXXX : {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) - XXXX : {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) - XXXX : {$930.00} ( Fraudulent ) - XXXX  XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud
Product: Credit reporting or other personal consumer reports

My business account with Chase was reported late pay on my PERSONAL credit report. I have disputed this with XXXX, however the Business Account stays on my Personal report. 

Product : Chase Business credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing delinquencies that are not factual, from a house that I use to own at XXXX XXXX XXXX XXXX XXXX CA. XXXX. Bank of America sold the loan and did not forward the funds in a timely manner to the new bank and it was reported as late. I paid both banks on time but it is damaging my credit by not being reported accurately. I have sent a certified letter explaining this to XXXX  and asked them to research and respond over 20 days ago I am still waiting to hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their Experian credit report lists me as deceased and wiped all of my information from their record and said they can not change it. They referred me to call XXXX XXXX law firm but Ive tries for months to reach them by email and phone without response. 
Please help. Thanks
Product: Debt collection

Debt Recovery Solution has reported to the CRAs that I owe them {$8600.00}. They stated that the account was opened on XXXX 2015 and that the account had the first major delinquency on XXXX 2015. 

I find out about it when I check my credit report. Since I do not recognize the company or the debt, I called them to obtain information. They told me the debt was mine from an old credit card that I had at some point of my live and that I had stopped making payments several years ago. 

I requested the validation documents, but I never got them. 

Assuming they are right and the debt is actually mine. Since they claim this is an old debt, then the open date can not be XXXX 2015, and the major delinquency date can not be XXXX 2015 and the date of last activity can not be left blank. 

Therefore, Debt Recovery Solutions has parked this account on my credit report, violation of the FCRA. I must be notified they are trying to collect a debt and that they will report to the CRAs. 
The collector has re-age the account, another violation of the FCRA, the collector falsely reported the dates. Finally, up to date the collector has not validated the debt, 3rd violation. 

I filed a dispute with the CRAs. The CRAs did not remove the account because the collector claims the information is accurate.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1000.00}, XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$910.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00}