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

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy 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 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 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
Product: Debt collection

On XX/XX/XXXX, I received an alert on my credit report that a new debt had been added. The debt was for {$97.00} and was from XXXX XXXX XXXX XXXX. I called the debt collector ( Amsher Collection Services ) on XX/XX/XXXX. The representative was ready to take payment by phone despite my informing her that I had paid the debt, well over a year ago. The representative also stated that notices had been sent to my address. I told her I had not received any notifications and asked to confirm if they had the correct address. The representative gave a wrong address and when I tried to correct her, she transferred to her manager. The manager told me that I would be able to dispute the claim when they send me the information in the mail. My next call was to XXXX XXXX XXXX and they confirmed that the debt had been paid. I was upset and contacted Amsher Collection Services. They stated it would take around 30 days to confirm and remove the debt from my report. The frustrating part was that Amsher Collection just added the debt without confirming it's authenticity. They were unreasonable and acted like it was no fault of theirs. I searched online reviews of Amsher and the reviews stated that they were notorious for adding debts to credit reports with no justification. That practice is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

they run my credit without my permission capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Inquiry Type : Individual
Product: Debt collection

On XX/XX/22 I called Credit Control of XXXX XXXX Arkansas and spoke to a representative about a medical bill that was sent to the wrong address by the original creditor the company has threatened to damage my credit and placed it for collection with the wrong amount, now it has ruined my scores and my credit worthiness the original creditor agreed to remove the collection while the Insurance has been filed but credit control has damaged by credit profile purposely
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Product: Checking or savings account

Suttell & Hammer debt collectors garnished my account for an unauthorized user
Product: Credit reporting or other personal consumer reports

There is incorrect information on a recent credit report from Experian indicating I have multiple delinquencies on several accounts that have severely damaged my credit score. I have never had a late payment. I tried to view the report but could not do so without creating an account with Experian. The site would not let me create an account due to not being able to verify my identity. Calling requires jumping through many hoops through a robot. After finally reaching a human, I was informed that there was a discrepancy on their site and that I do not have any delinquencies. The agent at Experian said they fixed my issue and I should see a change reflected in 24 hours. After the wait, nothing was resolved and all my issues remain. I try to contact them again by phone, only to be told they are transferring me to a human representative and that the wait time is under 3 minutes. I have been waiting for over 2 hours with no means of speaking to a person. Their website says to call and when I call they say to complete everything online. Experians inaccurate information, poor customer service, and overall unavailability has wasted hours of my time and severely adversely affected my credit.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX and Experian with my information but they havent responded in over 40 days
Product: Mortgage

I originally closed on my condominium in XX/XX/XXXX. Approximately in XX/XX/XXXX my mortgage was sold to a company, XXXX XXXX. Since my mortgage has been sold we have been running into numerous issues resulting in lender mandated fees which wont come off and increasing our monthly payments by {$500.00}! 

In XX/XX/XXXX we received a letter requesting our insurance increase to {$250000.00} coverage. 

In XX/XX/XXXX I changed banking account information and it took two weeks to have my banking information updated. While attempting to update my account I noticed my monthly payments were going to be increased by {$500.00} due to a lender placed fee for flood insurance. I called an explained that I am on the 4th flood so Im not within flood level. The company then requested my building flood policy. I submitted XX/XX/XXXX. I called the company either XX/XX/XXXX or XX/XX/XXXX and they havent reviewed or processed my documents yet and I was requested to call back AGAIN. I called back on XX/XX/XXXX and the mortgage company confirmed they have the master flood policy but are now requesting a previous building flood policy along with a building hazard policy and refuse to remove the lender placed fee even though they never informed me of these requested documents. I requested AGAIN to have the lender placed fee removed as I wasnt told of these documents and my mortgage with additional {$500.00} of payment is due within 10 days ( XX/XX/XXXX ). The representative said she couldnt do anything but did inform me that they overcharged me for the previous escrow due to my insurance company and will be refunding me money but couldnt tell me how or when. This company is targeting customers and making a practice of continuously over charging customers and not providing information and appropriate customer service to facilitate quick solutions. Home owners shouldnt have to beg not to get over charged on their mortgage!
Product: Student loan

This was parent plus loan for my son. Someone kept calling and offering to consolidate my loan. I, contacted them the rep explained the way it would work so I did do everything on my phone i canceled the consolidation process. Loan, hero /Monterey  sent ou t papers. I called them to inform them I had canceled the consolidation. She told me I would have to contact federal student which I did. He informed me I will have to pay the loan because I had 5 days to cancel.   It 's not fair for me to be paying for a loan I have never received.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint and XXXX agreed to remove the inaccurate information from my credit report, its still reporting incorrect information. According to the FCRA this should be considered a violation.
Product: Credit reporting or other personal consumer reports

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.

US DEPT OF EDXXXX # XXXX has violated my rights. THis account has been paid however on Experian they are reflecting negative i demand that the full completeness of these accounts be updated there are XXXX student loans with same account number they are reflecting paid on time on each other credit agency 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

Chapters
Product: Debt collection

Recently last year I was XXXX  from my job and was XXXX  for seven months straight. I During this period i was XXXX  for three months and had no money/income coming in to pay anything. I got behind on this credit card and they closed my account and charged off the debt.The amount that is now owed is {$16000.00} and that is due to the excessive interest they continued to charge me after i told them i could not afford to pay them because of my recent XXXX  job.I was put in a hard place and i dont feel like they were trying to work with me.
Product: Checking or savings account

I started an account with Chase Bank roughly a little over 3 years there. I am a military veteran so they said oh we have military banking you can get free checks, no atm fees and a free safety deposit box. It took about a year to get the safety deposit box, they called and asked if I still wanted it about a year later. So its been free for 2 years now. Today I check my account and they took {$55.00} out of my checking account for rent on my safety deposit box i immediately went to the bank and gave them my safety deposit box keys back and closed the account. I have the documentation to support the closing of the safety deposit box. I then asked for my {$55.00} back, they said they will not refund it. Now as far as I know when you rent something you pay for it before you occupy it. So Chase bank just took my {$55.00} with no explanation other then some smug manager saying oh its in litigation and we arent giving refunds This is not acceptable and I would appreciate any help that you can give me on this matter. 

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

My name is XXXX XXXX i have disputed these items on my credit report going on for 6 months no. I have contacted the credit and TransUnion about these fraud accounts XXXX XXXX account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX US Bankruptcy Court of XXXX Docket # XXXX
Product: Mortgage

I am filing a complaint and requesting an investigation because of the unethical tactics used by Wells Fargo for years to deny my modification requests for Home Mortgage I should be included in the settlement and be financially compensated like the other customers who were mistreated by Wells Fargo. 

In the beginning of my loan modification process I made several calls and sent documents to Americas Servicing Company ( ASC  ) /Wells Fargos Mortgage Loan Modification department XXXX It always seemed to be a different ASC/Wells Fargo contact on the phone, who would tell me one thing on the phone and then I received letters in the mail that didnt reference or confirm the things they mentioned on the phone. 
I was once told by a Wells Fargo agent that was I approved for a loan modification and I was told to not pay next months mortgage because they were sending my modification documents in the mail. Weeks later I received a letter denying the loan modification and Wells Fargo reported me 30 days late to the credit bureaus. At that point in the process I hadnt missed a mortgage payment and it was the first blemish on my credit report in decades. 
The agents also requested the same documents over and over and then I get a letter stating the documents didnt come in time. After nearly two years of Wells Fargo stating that they didnt receive documents on time and the requests for more and more documents, the same documents over and over again, I recruited the help of the XXXX Home Preservation program to serve as a witness to XXXX XXXX illegal tactics to avoid loan modification. 
In 2010 I began working with XXXX but ASC/Wells Fargo continued to send requests to me directly via mail. I responded and sent documents to Wells Fargo via the XXXX system as proof that documents were submitted and submitted on time.
Product: Checking or savings account

My complaint is about Capital One 360. 
On XX/XX/2022, I noticed two unauthorized transactions on my account. These transactions were XXXX transfers to a certain XXXX XXXX amounting to {$130.00} + {$300.00} = {$430.00}. 
I immediately called and alerted the bank, which took note and promised to reinstate a temporary credit to my account. 

Meanwhile, on XX/XX/2022, the bank credited my account with {$430.00} but denied me access to the funds. Several calls I made with them couldn't give me access to my money. 
At some point, I was told that I should expect a check in the disputed amount and any other balance in my account and that Capital One 360 had resolved to close my account and discontinue doing business with me in the future. I won't be allowed to bank with them going forward. 

On XX/XX/2022, the credited amount of {$430.00} was reversed by Capital One 360 and deducted from my account. 


Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account number XXXX, I have disputed this with Experian and collection does not belong to me.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees i incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially being available. I believe these practices are unfair and request an investigation into my accounts.
Product: Credit card or prepaid card

I have Discovery Credit Card for almost 3 years and I find out several charges to my account, charges the I never authorized. I contact Discovery and reported those transactions one for a company XXXX XXXX a membership they start deducting every month for several months {$49.00} and the other transactions are a membership from XXXX for the amounts of {$13.00} for several months also. When I found out I contactDiscovery  and reported, they send me new card but Never stop the NOT authorized transactions. They say they investigated but they asume the transactions are valid???? Im the customer and I never authorized those transaction, was a fraud transactions and Discovery dont protect customers against fraud. I stop the card to prevent more transactions go to my account, I lost a lot money because Discovery doesnt protect my credit allowing fraud transactions and I never stop making payments,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry Portfolio Services is reporting a very old debt ( probably XXXX yrs old ) on my credit report as a collections item claiming it originated in XXXX. This is FALSE. XXXX was the year that XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX, but this was not the original date of the debt, which was from XXXX in or around XXXX. 

This account also shows as OPEN and since XXXX no longer exists, it is definitely closed. I also received an attempt to collect on the debt in the form of a bill from them, and it confirms that the debt is too old to be sued for it. I have not opened ANY credit card accounts with a $ XXXX balance in at LEAST XXXX YEARS. 

This item and the recent " COLLECTIONS '' status needs to be removed from my credit report. It is the only derogatory I have and messing me up to refinance my house. AND THEY JUST REPORTED IT AGAIN ON XXXX, XXXX!!! ARRRGH. 

Thank you for your assistance. I really appreciate it.
Product: Mortgage

My date scheduled to close on a house was Friday, XX/XX/2018 at XXXX XXXX The closing could not go forward because, the appraisal was for a conventional loan and it should have been for an FHA loan. As a result, I lost {$500.00} for an appraisal that could not be used at settlement. I would like to be reimbursed for the money I spent for my appraisal.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.
Product: Student loan

XXXX XXXX  repayments resumed in XXXX. My loans are currently handled through Nelnet. My first payment was due XX/XX/XXXX in the amount of {$270.00}. To cover this payment, on XX/XX/XXXX I made a payment of {$520.00}. On XX/XX/XXXX I checked the account to see that the payment I had made had been applied to the account, but was not considered applied to the XXXX bill. Therefore, my account showed XX/XX/XXXX as a missed payment. 

My account now shows I owe {$540.00} on XX/XX/XXXX because they combined the " missed '' XXXX payment in with my payment due in XXXX, and I now have a missed loan payment on my record and credit report. 

I called customer service. After an unreasonably long hold time of XXXX hours and XXXX minutes I was told they'd file an account adjustment form, but that the form would take XXXX weeks to process which means I'm still stuck paying the {$540.00} I just will no longer have the missed payment on my credit report. 

With student loan payments resuming its unacceptable for them to be so short staffed that wait times are north of XXXX hours. It's also frustrating that there's essentially a {$270.00} extra payment I'll be forced to make. Despite it being applied to the loans it's unplanned and tough on a budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022,