23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I had a chance to check out my credit report & noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. its my understanding that you will investigate these items listed. Here is the accounts I am asking you to verity accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  reporting negative reporting on my credit reports despite DC police XXXX. XXXX XXXX report that shows fraudently charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am building a home and needed my credit ran for a pre-approval. They are saying Experian is the only one not showing a credit score. What is going on?
Product: Mortgage

I have been on a COVID forbearance since XX/XX/XXXX due to me no longer working due to COVID. I received a letter from Homestar/The money source advising my escrow was short and demanded {$3000.00} because they paid out for homeowners insurance 3 times. I borrowed the funds and mailed the escrow payment in XXXX. The payment came in 2 checks with escrow deposit written all over it with the escrow coupon. Homestar/the money source held the checks for over 1 week before actually showing on the account. I called daily to find out what was going on because the money had already come out my account but they didn't post it until XX/XX/XXXX and did not it towards escrow as they should have. The posted the month as 2 payments because its behind which doesnt matter if Im requesting funds be placed back in my escrow that was paid out three time by you people. MY MONEY SHOULD BE PUT TOWARDS THE ESCROW AS REQUESTED. YOU DO NOT DETERMINED HOW FUNDS ARE APPLIED. MY LOAN IS OWED BY XXXX  XXXX  AND NOTHING TATES I CANT PUT FUNDS TOWARDS ESCROW. THEY DEMANDED THESE FUNDS AND THEN TOOK IT AND APPLIED AS THEY WANTED TO. I AM IN A FORBEARANCE. The representative talk to me like I'm beneath them because im behind on my mortgage which is not due to any fault of my own. They do nothing to help but tell me Im past due. I feel so ashamed!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions.

15 U.S.C 1692C ( The following collection accounts and inquiries were reported on my credit profile accounts under the following three credit bureaus ( Experian, XXXX, XXXX ) Experian Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Constant phone calls from Navient from morning til night. Spoke with representatives and was told there is no forbearance for private loans and no escaping payment
Product: Checking or savings account

Wells Fargo is structuring the deposits into and payments out of my checking account in a way that causes overdraft fees unfairly. I understand that this is not illegal but it is immoral and a I would like to officially file a complaint.
Product: Debt collection

I spoke with creditor and informed creditor that I'm a resident of the State of Texas, that the debt the creditor is attempting to collect is XXXX yrs old and past the statue of limitations and can not legally be collected. The creditor reported the charged-off account as a lost to the XXXX and was issued credit for the lost, yet they refuse to issue me a XXXX upon my request showing the debt discharged. I REFUSE TO PAY THIS OLD DEBT. This company is reporting the debt on my credit report with a balance owed and charged off. I REFUSE TO PAY THIS OLD DEBT. Because the creditor received a tax credit from the IRS for this charged/written off account, reporting the account as charged-off and with a balance violates the FCRA USC 1681 et seq. I REFUSE TO PAY THIS OLD DEBT. The creditor admitted to me during a phone conversation that the account was reported to the IRS as a lost and the company received a credit from the XXXX due to the lost of income. Federal law mandates that the creditor issue me a XXXX. IT '' S THE LAW!! I must file this as income on my tax return whether I receive the XXXX or not.
Product: Credit reporting or other personal consumer reports

RE : Formal Complaint Regarding Illegally Opened Credit Card and Unresolved Payment Issues Dear Citibank Best Buy Credit Card Department, I am writing to formally express my concerns and dissatisfaction regarding a credit card account that was illegally opened in someone elses name, with my social security and credit attached to it, without my authorization. Despite my repeated efforts to address this matter, Citibank has failed to take appropriate corrective action. I have made numerous attempts to resolve this issue since XX/XX/year>, but my concerns remain unaddressed. 

First, I made a payment of {$1100.00} towards the balance on the card, and Citibank has failed to apply this payment to the account. Despite providing proof of this payment, the credit has not been reflected, and the outstanding balance remains unchanged. 

Furthermore, Citibank has failed to remove charges from the account that I did not make. On multiple occasions, I have requested proof of the charges made to this card, including those that Citibank alleges I have made, but no such proof has been provided. The lack of transparency and refusal to supply this documentation is deeply concerning. 

In addition, despite providing proof of my payment, Citibank continues to disregard it and has refused to credit the account. The refusal to correct this error, despite clear evidence, is unacceptable. 

I have had numerous telephone conversations with Citibank representatives since XX/XX/year>, and during these calls, I have repeatedly requested adjustments to correct the errors on the account. Despite these efforts, Citibank has refused to make the necessary changes. 

As a result of Citibanks refusal to resolve this matter, I have been subjected to numerous late fees and interest charges, which have been unfairly added to the account. These unjustified fees, combined with the unresolved issues, have had adverse effects on my credit scorXXXX and reports, causing significant harm to my financial standing. 

I urge Citibank to immediately investigate this matter, remove the fraudulent charges, apply my payment to the account, and reverse the late fees and interest charges that have been unfairly added. Failure to resolve this issue will leave me with no choice but to escalate this matter to the relevant regulatory authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
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
Product: Checking or savings account

My debit was use in unauthorized charges total in XXXX from XXXX chime is who I bank with take really don't dispute anything my card was stolen was awere I sent emails to the merchant for request a charge back I file the same day I noticed unauthorized transaction with was 2 days better yet XXXX  is not legally authorized to take tranzsation from chime they don't do bizzsiness with XXXX make it and illegal transaction
Product: Debt collection

Midland funding was XXXX company to buy bad debt, there legal agreement purchase was signed on XX/XX/XXXX13.There paper has many dates on it looks like a roto copy but no signature until XXXX/XXXX/13 Midland turned me into the credit bureau on XXXX/XXXX/13. They did not wait to send me a notice or to verify the account was mine. They also filed a judgement against me and I was never notify they where going to sue me until i was served
Product: Checking or savings account

I had mailed a check to my lawyer at the end of XXXX. On XX/XX/XXXX, I opened my Capital One checking account and realized {$8300.00} had been withdrawn NOT authorized by me. I noticed a check for that amount in my account, which was not written by me or in my handwriting. It was a check number from my account and that I had recently written check XXXX for {$10000.00} out to my lawyer XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and mailed it in a XXXX XXXX XXXX at XXXX and XXXX. My best guess is that someone must have intercepted and made a copy of my check and wrote it out payable to XXXX XXXX for {$8300.00}, which was not authorized by me. It is clearly a fraudulent check with no watermark on the back or area for the person to sign. I called Capital One to report immediately and froze my checking account to prevent any more fraud. As of today XX/XX/29, I am still waiting for Capital One to finish the investigation and return my money. I just learned that legally banks have a 10 day window to determine a fraud outcome. It has now been 25 days, and I have called numerous time to find out the status and Capital One has been of no help. I filed a police report, a XXXX fraud report, and XXXX Report, and an FTC report. 

Police Report # XXXX XXXX XXXX Request # XXXX FTC Report # XXXX
Product: Debt collection

Today, XX/XX/2017 I received a missed call from an ( XXXX ) telephone number. There was no voicemail left so I returned the call. Once on the line, the collector verified my name and proceeded to inform me of a " debt. '' Throughout the call we went back and forth regarding Paying of said debt where I informed him that I did not have any money to do so. Nor did I plan to pay off the debt at all. He then threatened to escalate the matter to the companies legal team. I began to back pedal and explain to him that I never put right said that I will not pay but that I am considering why I should pay. He then started to speak to me in a condescending manner. At which point I asked if this call is being recorded, and he replied yes. I then asked why he did n't tell me at the beginning of the call nor did he tell me this communication is an attempt to collect a debt and any information obtained will be used for that purpose. He began to explain to me that his company has a different way of addressing the mini Miranda and that it does not have to be stated exactly that way. Yet, it was never stated. I only knew we were discussing an alleged debt. I got angry and hung up.
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was reporting incorrect info on my credit report and this problem was very difficult to communicate with on the phone.       XXXX   and   XXXX   removed the incorrect information while  Equifax  did not.     I also believe they are implementing fraudulent business practices by advertising a low introductory rate on their website and then giving an error code after you submit your request. Then when you call the number they give for assistance they tell you they can only give you a higher rate over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX DPT EDXXXX XXXX DPTED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive called Experian to remove addresses that Ive never lived at and a second time was told they refuse to remove these addresses. As a Consumer this is a direct violation of my rights to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NOT SOLICIT XXXX, XXXX XXXXXXXX I can not receive mail or any correspondence nor do I have access to any of these addresses that I never lived at. Please delete these Fraudulent addresses and update the address with the one above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Experian is allowing fraudulent information to be reported on my credit report by doing this in violation of the : Fair Credit Reporting Act ( FCRA ), including FCRA Section 623, as well as relevant case law, including the precedent set by XXXX XXXX XXXX XXXX XXXX, Court of Appeals for the XXXX XXXX, Case No. XXXX XXXX XXXX ( XX/XX/1997 ), filed under XXXX XXXX XXXXXXXX. It has come to my attention that despite repeated attempts to rectify the inaccuracies on my credit reports by providing documented proof of the errors, Experian has failed to take appropriate action to correct the information under the FCRA but also constitutes defamation and willful injury to my financial reputation, as established by the precedent set in XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove immediately thank you!! XXXX XXXX XXXX XXXX tx XXXX also XXXX XXXX XXXX XXXX tx XXXX # XXXX
Product: Debt collection

I have previously contracted Summit Financial and requested the information re the debt they placed on my credit report for approximately 3-4K dollars. I had a loan with XXXX and the car was brand new and was a lemon I gave them the vechicle to sell in the auction and the debit was to be free and clear. After speaking with Summit and trying to discuss the account and request documentation of the validity of the debt they refused to provide me with information and I have been requesting it for the past year. I have called and they refuse to take my calls. They turned around and changed the balance owed from 3-4K to XXXX and now its rising day after day. This is inaccurate information and not a liable debt, Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau XXXX, XXXX and Experian about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit card or prepaid card

I have had a XXXX balance on my Capital One card since XX/XX/2021. My account is restricted, and I can not use the card. If Capital One will not allow me to use the card with an account that has not gone into collections, this account is of no value to me. It continues to hold derogatory remarks on my credit report. I have done my due diligence to bring the account to XXXX  balance with a {$1500.00} limit.
Product: Payday loan, title loan, personal loan, or advance loan

my loan was sold to Exeter finance higher interest rate than it was originally agreed on and it didn't have car repairs in the loan which the originally had in, why I chose that institution for my title loan industry XXXX interest rate is too high never able to pay it off originated original loan amount was {$7000.00} and now its {$12000.00}, my is cars in the shop now for three months I can't paid for the loan and the car repairs Exeter finance will not help me they keep throwing more money on the back end of the loan
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I XXXX  money to a XXXX for work on my property. However it was the wrong XXXX I contacted him and he went to his bank which I believe is Chase bank and requested that they return the funds to me. I have Chase also. They removed the funds from his bank account and stated it would take XXXX to XXXX business days to return it to my account! I have all the documents. Chase bank never but the funds back into my account. They withdrew the funds from him and kept them, I have called XXXX  times because it is XXXX. Chase customer service just tells me they dont guarantee they return the funds. We have the same bank Chase literally stole the money from me after the gentleman returned the money to me! Chase closed my claim on the XXXX of XXXX the day the funds were withdrawn from XXXX
Product: Debt collection

I was put into collection for a utility bill that was not mine. I notified them in writing and by phone and they reported it to the credit bureaus in spit of that notification. They used that as a tool for force me to pay the outstanding amount in order to have it removed from my credit reports. I paid the amount in full and they have refused to remove it from my reports and will only report it as " Paid ''. They used deceptive promises ( which they recorded ) to get me to pay a debt that was not mine and then have refused to remove it from the credit reports as they assured.
Product: Student loan

Edfinancial has said multiple times over the phone that it will take 6 months to a year to process my loan refund request. These calls were around XX/XX/XXXX and XX/XX/XXXX. Other servicers are completing this in at most 6-8 weeks and I've heard from multiple people that they already have their refunds.
Product: Credit reporting or other personal consumer reports

This collection was open in XXXX  and has been closed and removed and they are reporting it back on my credit report