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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX have 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 furnish an account without my written instructions.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information currently listed on my consumer report, which has resulted in a violation of the Fair Credit Reporting Act ( FCRA ) due to unauthorized use and reporting of my personal information. Despite my efforts to resolve this issue directly with the reporting party, [ Company Name, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc ], they have failed to provide validation or correct the inaccuracies as mandated by the FCRA. 

Almost a year ago now ], I sent a certified mail request to [ Transunion ] asking them to validate the accuracy of the reported information and provide the original creditors information to my place of abode, as required under 15 USC 1692. To date, no such validation has been provided, and the inaccuracies remain uncorrected. Furthermore, I have contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, but no further action has been taken to investigate or rectify the inaccurate information on my consumer report. 

This inaction is a direct violation of the FCRA, which mandates that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of incorrect information on my report is damaging and represents a significant failure to uphold the legal standards intended to protect consumers. 

I am requesting that [ Transunion ] conduct an immediate investigation into the accuracy of the information reported by [ Transunion ] and that any unverifiable or inaccurate information be promptly removed or corrected as required by FCRA. I also request that you provide me with written confirmation of the results of your investigation and any corrective actions taken. 

If you need any additional information from me to facilitate your investigation, please let me know at your earliest convenience. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX All Rights Reserved.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit account with XXXX XXXX XXXX XXXX XX/XX/XXXX acct number XXXX amt- {$2300.00}, XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account under XXXX XXXX XXXX under account number XXXX on XX/XX/XXXX amt- {$2800.00} and at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX XXXX. 

These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer FICO credit report.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

AMSHER COLLECTIONS SE reported s debt of {$1200.00} which I have no knowers of. I have never did business with this company and have never signed any contracts with this company. The date for the collection account is XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMSHER COLLECTIONS SE Code : 15 U.S.C 1681 15 U.S.C 1681a ( 2 ) ( i ) I have a few reports on my credit profile that is incorrect and false. 
Failed to provide a wet signature, contract and documentation to prove the account belongs to myself. I have XXXX knowledge of any of these accounts. 
These Collection accounts violated Code 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments with Fortiva on several occasions without any results from Fortiva for the 3 major credit reporting agencies. I called Fortiva on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Fortiva was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did Fortiva provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months Fortiva is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
Product: Mortgage

In XXXX of 2017 My house burned. I had to have a public adjuster group assist in getting fair value. They took $ 30K of all monies. XXXX gave all monies to the mortgage company Looking at the Freedom Mortgage web I was given {$140000.00}. {$140000.00} - {$30000.00} = {$110000.00} Freedom Mortgage gave me $ 40K and said when done 50 % they would give more. How do I get 50 % done on $ 25 % of the monies. I fought for more. finally got it and completed 55 %. They gave me another $ 25 % and said I get the rest when 100 % done. I fought again How do I finish 100 % on 75 % of the monies. they finally gave me another $ XXXX and I am at 80 % complete. I have been fighting to get the remaining $ XXXX to finish rugs, doors, dining room floor and molding. They will not release it. My mortgage is only {$720.00} per month. In essence Freedom is holding 22 months of mortgage payments. The monies given to Freedom were about $ 40K above the actual mortgage and they did not even put the monies, that were technically mine in an interest bearing account. I take care of a homeless man and his XXXX XXXX XXXX son which also contributes to expensis All the above letters, inspections, and requests to Freedom Mortgage can be found on their web sites. I will supply anyone with the info to log in and see dates and times.
Product: Credit card or prepaid card

When trying to make a payment, UPGRADE, website would not load. This was tried on three different browsers. When I called to make payment over the phone they could not verify any of my bank accounts ( 3 ). This resulted in a 21 day past due/delinquent account. Only after telling them I was reporting them were they able to process a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again XXXX and their XXXX score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document XXXX states my XXXX score is 0, which is outside of the acceptable ranges ). To resolve this situation, I would like XXXX and XXXX  to immediately remedy their system problems so that my XXXX score is not shown as 0, send a copy of the credit report and XXXX score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the XXXX XXXX score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a XXXX score of 0 being given to financial institutions that are unable to process a 0 score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my XXXX score was presented as 0, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 6 inquiries that were not authorized by me. Five inquiries took place on XX/XX/2020. These include : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Another inquiry took place on XX/XX/2020 for XXXX XXXX XXXX XXXX that was not authorized by me. I did not agree to or authorize the listed inquiries.
Product: Checking or savings account

Greetings, On XXXX of 2021 I helped my brother sell his vehicle and received a cashiers check for a little over {$37000.00} USD and went to the bank located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX, United States. I asked the bank teller if it was ok to deposit a cashiers check under my brothers name in my personal bank account. The bank teller proceeds to say, there is no problem as long as my brother knows and signs. The check was cleared within XXXX hours and the bank decided to place a 7 day hold due to the high amount. I said ok, no worries I understand this is a security measure. I call the bank that issued the check ( XXXX XXXX ) and confirmed with them that the check was indeed already cashed and in PNCs possession. Without any certified letters, or emails or calls to notify of a longer hold the bank has held my money FOR ALMOST TWO YEARS NOW!, i went to several branches I spoke to several managers and they only asked me ON A RECORDED PHONE CALL, that me and my brother should walk in the branch with TWO FORMS OF ID and our social security card. After this was done they promised the hold was going to be removed immediately. 

Me and my brother both went to the branch on XXXX XXXX XXXX XXXX, XXXX, IL XXXX, United States. Provided TWO FORMS OF GOVERNMENT ISSUED IDs and a original social security card. Once this was done, they again never notified of any updates. 

I received a call asking me and my brother to go back to the branch for a video call. This is ridiculous. PNC HAS HAS MY {$44000.00} USD on a hold WITHOUT ANY LEGAL REASON! I am tired of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, have notified as communicated to the company XXXX, with letter in mail XX/XX/2021 to cease and desist the 609 letters to CAPITAL ONE ( account # ending in XXXX ), for unauthorized use of reporting to my consumer report without my written consent to do so, which I also believe it is IDENTITY THEFT on Capital One for sending in the documentation to the XXXX reporting company. I am sending this complaint because the XXXX reporting company continues to update 2or3 times each month, which brings my score lower than the normal 1 reporting time each month. The have already violated my rights as a consumer under 15 usc 1692 ( p ) law. I have a privacy right 15 usc 1681 and at this time I am exercising my right by filing this complaint.
Product: Checking or savings account

I deposited my paycheck on Friday and was only credited a small amount, but assumed that the rest would clear on Monday. It did not. I called Wells Fargo and they told me that they were holding my check for another XXXX weeks due to me having prior overdraft charges. I did not have any overdraft fees recently, nor any owed fees, yet Wells Fargo refuses to credit my account. I explained that I have automatic drafted bills coming out this week, and that if they don't credit MY funds to my account, it will cause more overdraft fees. They did not care. I asked how I am to pay my bills, put gas in my car, buy food for myself and my daughter. They did not have an answer nor did they care. They are holding my money XXXX in violation of the law, and have setup what appears to be a scheme which purposely forces overdraft fees to be charged to my account by purposely withholding my money. They refuse to provide any explanation, nor do they have any desire to comply with the law. When I asked the customer service agent how she would pay her bills and buy food in this situation, she hung up on me. I have no way to resolve this, and as of now, it appears that Wells Fargo has stolen my money and will not give it to me. Please help.
Product: Credit card or prepaid card

My statement closed on XX/XX/2020, payment due date was XX/XX/2020. The statement had only 2 charges : XX/XX/2020 {$1200.00} XX/XX/2020 {$1000.00} Both charges were refunded by the merchant before the payment due date : {$1200.00} was refunded on XX/XX/2020 {$1000.00} was refunded on XX/XX/2020 This brings the statement balance to XXXX. Bank of America system didnt identify that the statement charges were " All '' refunded and still showed me that a payment was due. I thought this was a bug in their system that will auto-correct once the new statement closes. To my surprise, my account was marked past due and I was charged a {$25.00} late fee on XX/XX/2020. 

On XX/XX/2020 I chatted with a BoA customer care representative who denied my request to remove the late fee, I requested that my issue be escalated to a supervisor and was told to expect a call within 2-4 hours. I then called ( XXXX ) XXXX XXXX at XXXX XXXX ET and spoke with a customer care representative, she said : I will submit a request to get the {$25.00} late fee refunded. At XXXX XXXX ET, I received a call from a supervisor at BoA, I explained to her what happened, she said she doesnt see any notes on my account that I spoke with anyone and doesnt see a request for the late fee refund. She also denied my request to get the fee refunded. 

What happened is an error in Bank of America system that no other bank has. I own credit cards with All major banks ( XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ), their system automatically deducts refunded charges from the payment due amount. 

Charging customers late fees and expecting them to pay for a statement that has XXXX balance is not legal and Im surprised that BoA didnt get sued yet over this.
Product: Student loan

I have about 45,000. in plus loans with Nelnet . I recently completed chapter XXXX bankruptcy so I have not been able to access my Nelnet documentation while I was in bankruptcy. My bankruptcy trustee made my loan payments and I could not view the Nelnet account online, I have been very careful to make all the payments on time because I was told I should qualify for Public Service loan forgiveness. I spoke with Nelnet and Federal Student Aid prior to starting Chapter XXXX bankruptcy due to a divorce and both parties, Nelnet and Studentloans.gov verified this. My employer has been approved I have that documentation. .Today I called Nelnet because I still can not access my account upon completion of 5 years of bankruptcy and I was told that I don't qualify because I am in the wrong repayment plan and my loans are not all consolidated. I thought my loans had been consolidated when my son finished college in XXXX. My loan balance is currently more than it was when I started the bankruptcy because my payments have only been going to interest. Had I known this I would have taken care of it before the bankruptcy payments began. The student loan payments were made out of my Chapter XXXX payment. I have spoken with several different people at this agency and at Nelnet over the past 10 years as I was planning for my loans to be cancelled. Today I was told that my 10 years would start over when I moved to the income based repayment plan and my loans are consolidated. I don't know how to proceed. At this point I have been out of bankruptcy since late XXXX and I still can not access my account which is why I called. The representative stated that the account was not cleared yet to be released to me so that I can view it. It should be another week or so. I was worried that if I miss payments my forgiveness would be voided. I have had to contact them yearly to get documentation of the interest I have paid for tax purposes. Turns out it doesn't matter anyway. I'm XXXX years old, I plan to retire one day. I have currently had and paid student loan payments most of my adult life. First for me then for my kids. Is there no justice in paying ones bills? I'm not trying to make this a sob story, I'm just so frustrated by the conflicting information that I've received. I honestly thought I had hit the 10 year point in XXXX, at that point I was told I would have to finish my bankruptsy.
Product: Student loan

My loan was in deferment for some time due to me not being able to make my payments. They then reported me to the credit bureau 90 days late in XXXX and XXXX of XXXX. This hurt my credit score tremendously and caused my auto insurance premium to go up a {$120.00} a month. When I contacted Navient they told me I've exhausted my deferment because I am now working and I make a 'good salary '. I make a less than middle working class salary. I've tried to ask them to remove the derogatory marks off of my credit score and told me I need to write them a letter which I have and I have not received any response from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a Creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

PAANL- Paid as Agreed Never Late.
Product: Student loan

Upon graduation I was required by navient to start making payments, when telling them that I did not have steady employment they still placed me on payments even after asking for forbearance. After some time of making the payments when I did not have the proper funds I asked for deferment they told me that it was not possible and forbearance was the only option. After this was ending they began calling me requiring thousands of dollars per month. upon finding out about this claim I logged into my account to review documentation and it has since been deleted. I do have emails where they are requesting anywhere from {$500.00} to {$5000.00} for a monthly payment.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts XXXX XXXX XXXX Acct XXXX date opened XX/XX/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 XXXXXX/XX/XXXX Pleaseblockthisinformationfrommycreditreportwithinfourbusinessdays, pursuantto section605CoftheFairCreditReportingAct Pleasesendmenotificationoftheactionstaken.Iappreciateyourpromptattentiontothis matter.
Product: Debt collection

I was XXXX and on my XXXX I visited XXXX and as a XXXX there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX XXXX year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with XXXX under XXXX XXXX XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX is still showing as a collection and a balance due of {$70.00} with ACS and not XXXX.XXXX is not using due diligence and is ignoring both me and XXXX.
Product: Money transfer, virtual currency, or money service

Citi bank online service, XX/XX/XXXXI pay off check plus {$4800.00} ,XX/XX/XXXXtransfer {$1200.00} to check account, XX/XX/XXXX, transfer $ XXXX,XX/XX/XXXX transfer $ XXXX,XX/XX/XXXXtransfer {$3100.00} total will be {$6500.00}, but after I make transfer {$3100.00}, the check plus show the amount I owe is $ XXXX.the mistake different amount about {$900.00}, citi online service always have problem. I complaint citi onXX/XX/XXXX. if service always not incorrect how we can trust, they agree, and told me will correct amount in next statement day, XX/XX/XXXX.I was ask correct right now but they refused, so I need wait untill XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX as well as I C SYSTEM INC : Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address since XX/XX/2021 added to report not by me. Trans union has not fixed this in the last 30 days even after mailing in the information requested for the address to be corrected. Same issue happened to XXXX and XXXX with corrected outcome within the last 30 days completed.