23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian continues to report i formation they can not validate. XXXX and XXXX have already removed the XXXX erroneous accounts from their credit reporting. Experian will not provide me with any documentaion or proof to substantiate these debts. They have now stopped taking my disputes and continue to report this negative information. I am seeking out every way possible to rectify this.
Product: Debt collection

Received a phone call from XXXX lady said she was from apex and I was to call XXXX XXXX XXXX I called spoke to XXXX XXXX He said he was from a litigation group in XXXX XXXX XXXX said I gave him the collection number I was given XXXX said that he was trying to collect from a debt XX/XX/XXXX from Providian Credit cards Said was written off XX/XX/XXXX. This was well over the 4 year Statue of Limitation in XXXX. I told him that I did not know anything about this and that he needed to send me any information in the mail certified. He also said that he was going to sue me in court regarding this matter.
Product: Mortgage

I lost my husband XXXX yrs ago and qualified for a loan mod XXXX program my payments were more affordable and I was able to stay in my home In my loan balance at that time was XXXX when the loan mod was finalized my principal went to XXXX. They placed XXXX on the end of the loan as a balloon payment. I ran into some health issues starting about a year ago and became behind I tried talking to them but the cash demand was more than I could afford. I have tried XXXX modifications and denied each time because with the new modification they are only allowed XXXX on the end of the loan making to XXXX. They have denied my payments since XXXX and now want XXXX to bring current and an additional XXXX for late fees and charges for an appraisal and someone taking pictures of my house and car in driveway. Making sure I have n't abandoned the home. I do not even want a payment decrease just help getting caught up. Not sure where to turn Even if I pay interest only for the behind amount but they say no theres nothing they can This has been a nitemare. Everytime I talk to them there a different amount usually higher
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Mortgage

I see on my XXXX  report that on XX/XX/XXXX XXXX XXXX did a hard inquiry on my credit and opened an account. I have NO knowledge of dealing with Will Bend Mortgage nor have I opened any account. They say I paid a XXXX, XXXX, XXXX, XXXX and XXXX of XXXX payment and payments are correct and timely. There is a XXXX credit line of which XXXX is owed. 
I have never made any payment to Willowbend or XXXX XXXX or have applied for any credit with them. 
This is in correct information on my account and would like it removed. 

Thank you
Product: Student loan

Hello, Per the CAREs act I submitted a refund request for payments done after XX/XX/XXXX to Great Lakes on XX/XX/XXXX. While the payment went through initially, I was called a couple of days later by a rep stating that since some of the payments had been done from a third-party they were not able to issue a refund. 

I contacted the Federal Student Aid office and they told me that Great Lakes is required to refund me the total amount even if the payment was done by a third party. They asked me to share with them the following Q & A ( Attached ) : Important part ( " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' ) https : //studentaid.gov/debt-relief-announcement/one-time-cancellation
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX  XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX, Equifax Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? 
I have sent several letters to ( XXXX, XXXX, Equifax Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally. 
If you have any questions please feel free to contact at the number listed above. 


Please review inaccuracies that are being reported. Its your job to VERIFY and provide PROOF. As per the FDCPA, I have the right to request a validation of all debt. I request you to prove that I am indeed the party who is by contract obligated to pay off debts specifically for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts as well as all others. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal XXXX Trade Commission ( FTC ) and other state/federal. See attachment which shows almost every account doesnt match the active last day or open account date and some have different monthly payments. ALL inaccuracies must be deleted immediately. Until verification and validation of these accounts attached all MATCH and accurate you must delete. Honestly my entire report has inaccuracies between XXXX, XXXX and Equifax it is YOUR job to investigate and provide ACCURATE data. If you cant produce accurate data then you must delete it off my credit report! I have attached examples of how every single account listed doesnt match another credit bureau reporting. They MUST MATCH & BE ACCURATE. Thats your job not mine. In the meantime, Im requesting for the 6th time to delete the accounts listed and update to only one address and you do not have my consent to run my SSN TRACe, monitoring alerts which adds negative alerts to creditors as inOPT OUT OF SHARING MY DATA any further as I opt out of that right due to your negative fraudulent reporting for the credit bureaus
Product: Vehicle loan or lease

Westlake portfolio has been harassing me since XX/XX/XXXX I was with Us auto sales since XXXX I payed my car off in XX/XX/XXXX Soon after paying car of the transferred my information to WESTLAKE PORTFOLIO I have proof of my car being paid of the have constantly called be about a balance owed which is constantly increasing everyday since the transfer XXXX unable to receive title to my XXXX XXXX WESTLAKE PORTFOLIO constantly threatening me with repossession after showing the proof the car was paid off they have a hold on my title and unfairly not releasing it. I dont owe westlake portfolio any thing they are bullies with unfair practices!!! I am asking the for the release of my title
Product: Credit card or prepaid card

Had 2 capital one cards that were closed without notice and my points vanished. No idea why. When I called they said it was their prerogative to close at any given time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC Report and remove the account XXXX XXXX from my credit report. I have already tried to fix this with the credit bureaus, and they failed to conduct a thorough investigation. If they had, they would have known that the company is not credible and that each of the bureaus were reporting different agency names for the same account. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc.
Product: Checking or savings account

I saw an advertisement for opening a new personal checking account and cash insentive of {$250.00}. I applied online and did the part I could for opening the account online. Then a few weeks later I received paperwork to go in the branch to finish setting up the account. My direct deposits were made and ten transactions debited once I received my debit card and account officially authorized. I call in XX/XX/XXXXand they said it was not enough time. Then I called this XX/XX/XXXX and said they didnt see any promotions. They were going to submit a form. Now a couple weeks later they still have not given me the incentive of {$250.00}. No one can answer why and this form did nothing.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I checked my PNC Bank account and saw that my balance was {$1000.00} lower than I had expected. I called PNC Bank, and they told me that someone had used my identity and walked into a PNC Bank branch on Wednesday, XX/XX/XXXX, and withdrew {$1000.00} from my checking account. The fraud services representative at PNC Bank then compared the signature from the {$1000.00} withdrawal against my signature on file from when I opened the account, and noted that they did not match. Upon further investigation, PNC Bank called me later that week and told me that this incident occurred at the branch on XXXX XXXX XXXX. I was told by the fraud services representative that the {$1000.00} that was taken from my bank account would be returned to me within 3 days of my initial phone call to them on XX/XX/XXXX. I have not yet received the money, and have made repeated phone calls asking why. Each time, PNC 's response is vague and and unhelpful, and I am concerned that the {$1000.00} that was taken from my bank account will never be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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  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 : It also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, XX/XX/2023, I opened disputes online with Experian because I noticed 17 addresses that were attached to my name but do not belong to me. So I began to dispute the incorrect personal information. Some information they would not allow me to dispute some online for unknown reasons, so I was able to dispute all of the information. 

Today the disputes were concluded and I noticed that even though I listed the addresses as inaccurate, Experian is attempting to hold onto information by simply updating the data instead of deleting it and I do not know why. 

The following information is not mine or has been updated from data that was stated to be inaccurate previously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, Experian does not allow personal disputes for personal details and I do not know how else to remove personal information that is not mine. At this moment, I know my rights are being violated and I have attached proof of this below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to link my Capital One checking account to my XXXX XXXX monitoring service and Capital one is blocking external applications I'm being told by XXXX XXXX.
Product: Payday loan, title loan, or personal loan

HELLO MY NAME IS XXXX XXXX AND I WOULD LIKE TO MAKE A FORMAL COMPLAINT AGAIST DAVE BECAUSE DAVE KNOWS I AM ON A FIXED INCOME AND I ONLY GET PAID ON THE FIRST OF EVERY MONTH AND I AM XXXX, BUT, YET THE LAST SEVERAL MONTHS XXXX HAS BEEN GOING IN TO MY ACCOUNT AFTER ONLY A COUPLE OF DAYS LITERALLY, THEN DAVE GOES INTO MY BANK ACCOUNT AND RETRIEVES THEIR MONEY. EXAMPLE I TOOK A DAVE ADVANCE ON XX/XX/XXXX AND THEY TOOK PAYMENT THIS MORNING XXXX XXXX, AFTER ONLY XXXX DAYS, WHEN DAVE KNOWS I DONT GET PAID AGAIN UNTIL XX/XX/XXXX. I HAD NO CHOOSE BUT TO RETAKE ANOTHER ADVANCE THIS MORNING AND THIS TIME IT SAYS ONLINE DUE ON XX/XX/XXXX WHICH ISNT MY CORRECT DUE DATE EITHER, I FEEL DAVE IS EXTORTING MONEY FROM ME BECAUSE THIS IS THE SECOND MONTH IN A ROW THAT XXXX WENT INTO MY BANK ACCOUNT AND TOOK MY FOOD MONEY BECUSE THEY TOOK MY MONEY BEFORE IT SHOULD HAVE BEEN TAKEN, WHICH IS ON THE XXXX OF EVERY MONEY. SO NOW DAVE IS TAKING DOUBLE FEES FROM ME BECUSE DAVE IS LITERALLY MAKING ME TAKE XXXX ADVANCES WHEN I SHOULD ONLY HAVE TO TAKE XXXX BECAUSE I AM ON A FIXED INCOME AND I ONLY GET PAID XXXX TIME PER MONTH ON THE XXXX XXXX OF EVERY MONTH. I HAVE BEEN CALLING THEM EVERY MONTH COMPLAINING FOR MONTHS ABOUT THIS NOW AND NOW THAT THEY ARE GETTING DOUBLE MONEY IN FEES OUT OF ME THEN THEY SHOULD LEGALLY BE GETTING. EVERY MONTH I CALL AND COMPLAIN THEY SAY WE CAN SEE THAT YOUR PAYDATE IS ON THE XXXX OF EVERY MONTH BUT THEY ARE SORRY AND THEY BLAME IT ON AN ERROR IN THE APP AND THEN THEY SAY THERE IS NOTHING THEY CAN DO, THEY CANT GIVE ME MY FEES OR MONEY BACK BUT I CAN RETAKE DAVE WHEN THE APP SAYS YOU CAN CHECK THE APP FOR INFO. PLEASE HELP ME BECAUSE DAVE IS LITTERALLY TAKING ADVANTAGE OF ME AND I NEED HELP THIS HAS BEEN GOING ON FOR MONTHS THANK YOU
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$8800.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXXXX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian mixed my file with another individual with a similar name. A credit bureau is responsible for maintaining individual reports properly and correctly under the FCRA. Experian 's mishandling and mixing of my individual credit information DECREASED my credit score by over 100+ points. Experian 's incorrect report was over a 100+ points lower than the other two credit bureaus. Unfortunately, this information came to light after I submitted a credit card application with one of my banks. My application was denied based on Experian 's incorrect credit report, and I lost a {$200.00} cash-bonus opportunity. 

On XXXX XXXX XXXX, I reported the improper information listed on my credit report, and the representative informed me that Experian had mistakenly mixed my file with another individual residing in California. While Experian " re-evaluated '' after fixing the relevant issues, I was still denied the opportunity to benefit from a cash-bonus offered by my bank. 
Experian clearly violated their statutory and regulatory requirements under the FCRA by mixing my file with an individual with a similar name -- evidencing that their filing procedures and protocols are not compliant with FCRA requirements.
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I was client from XXXX XXXX XXXX XXXX, were I took a loan to purchase a vehicle in XX/XX/XXXX. 
My payment were always paid on time. Later in XX/XX/XXXX XXXX XXXX XXXX XXXX, were underinvestigation from the XXXX County Prosecuting office for money laundering. XX/XX/XXXX, a company called XXXX XXXX, contacted me via phone explaining that they 've purchased the right to collect the remaining balance of my loan which it was a little over {$9000.00}. They also explained that two payment were never received by XXXX XXXX XXXX XXXX, in the amount {$1000.00}. I spoke with XXXX XXXX, and explained that my payments were up to date, and they refused to accept my receipts to show proof of my payments. I was still in communication with XXXX XXXX, to forward proof of my payments via fax. While in communication they dispatched a tow truck company a week later to repossessed my vehicle in the middle of the night. This was XX/XX/XXXX. My kids XXXX gifts were in the vehicle and XXXX {$1.00} XXXX silver coins, given to my sons as a gift from their grandfather which were stolen from inside of my vehicle by the tow truck company together with my kids XXXX gifts. I contacted XXXX XXXX, in the morning and they said if you do n't pay the {$1000.00} we will put the car in a auction. The tow truck company charged me {$750.00} for over night storage which the vehicle was only there for less than 5 hours. While trying to recover my vehicle in the morning I was forced to pay {$1000.00} + XXXX totaling {$1800.00} dollars. I recently checked my credit report, and found a negative nonpayment and delinquent report.
Product: Student loan

I got a loan with Navient for school. When it came time to pay i had set up automatic payments with them from my bank. They stated it would be more easier that way and also save me a percentage on the loan through lower interest with on time payments. XXXX payment was made this way and after that they said i was late in paying which was impossible because it was automatically set up and the funds were there. I fully believe they manipulated the payment some how just to stick me with higher interest through FALSE/DECEITFUL business practices. Im very upset with them but stuck with Navient until my loan is paid in full. When i inquired about another copy of the letter they sent me telling me about my rejection from the program they were not forthcoming.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Checking or savings account

Our online account was hacked and they wiped out our checking and savings accounts- {$160000.00}. Since it was wire transfers and I had to give them a code, Wells Fargo closed the case and will not give us back anything. It started by hacking Wells Fargo and getting in our and knowing all our information. They went through transactions because they were in my account, they called from Wells Fargo numbers, they sent text like Wells Fargo. This has been a HUGE life changing loss and Im looking for anyone to help. I was in a Wells Fargo branch Worthing 45 minutes of 2 of the transfers and they couldnt figure out how to login and stop the transfers. They did not communicate during the process and basically told us tough luck. Its been a horrible experience and Im looking to see if anyone can help.
Product: Debt collection

Company has refused to comply with validation of debt requests. XXXX states they dont have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 demand sent XX/XX/2023. These non-validated debts are still being reported erroneously on my credit report. No reponse to my request has been provided and 30 days has expired. They were supposed to remove the debt from my credit reports during the 30 day period given and failed to comply with my request/demand and the law referenced above,
Product: Bank account or service

I recently had a beauty product company to take money from my banking account. Regions has not been instrumental in being able to assist me retrieving my funds. I have been a consumer with Regions for over 30 years. 
I feel like the lack of service has been un- acceptable.