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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau [ CFPB Mailing Address ] XXXX XXXX XXXXXXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections XXXX XXXXXXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely. 
Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974. 
Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law. 
I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.
Product: Credit card or prepaid card

I applied for a credit card at Wells Fargo on XX/XX/XXXX. A week later I received a letter declining my application with a FICO score of XXXX out of 850, an almost perfect credit score. 

My application was denied due to my XXXX last name. If my last name was of a XXXX person, my application would have been immediately approved based on my credit profile. It makes absolutely no sense why my application was declined based on my almost perfect credit score and annual household income of $ XXXX. I was never contacted to substantiate my income or any of their concerns. 

After receiving the letter, thinking it was a mistake based on my over 20 years of immaculate credit history and an household income of $ XXXX, I contacted Wells Fargo to get more information. I was able to speak with their executive office representative and escalated my case. I offered to provide my tax returns and current pay stubs to substantiate my income and to mitigate any risk concerns the credit card analyst had. Additionally, I expressed my concerns that I was a victim of XXXX discrimination due to my last name. 

A week after speaking with the executive office, I received the same exact letter, almost verbatim from the previous letter which means no one in the executive office did anything. I am a victim of XXXX discrimination. I have a long established immaculate credit history with an almost perfect credit score. The only deviation is my last name. The analyst and manager that worked on my application are XXXX  and proper action needs to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX Account Number XXXX Account name XXXX XXXX Account Number XXXX Account name XXXX XXXX  Account Number 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 furnish a account without my whiten instructions
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase for a pair of shoes to attend a funeral out of state. I used my Kohl 's XXXX XXXX to make this purchase and the total was {$69.00} after the item had not arrived after a week I called to inquire about my purchase and was told my order had been lost. I asked that they refund the entire amount back to my Kohl 's charge which would have made the balance on my account {$0.00} on XX/XX/2021 Kohl 's refunded {$59.00} leaving a balance of {$9.00} which was determined to be the shipping charge plus tax on shipping. When I saw this I made XXXX phone calls to Kohls to resolve this issue and was told it would be XXXX  days before the credit would be issued due to system policies. Waiting XXXX days would mean that I would be late on the payment to my account and that I would have to pay for a service that I never received. I asked to speak to a supervisor was placed on hold for XXXX minutes and when returned to a live agent again was told not to worry, though this is my credit history and credit reporting we are talking about. I asked why it was taking so long and why I had to go through so much work to get my refund when it wasn't done correctly to begin with. They didn't seem to care. So now I have the payment scheduled for the due date so that I do not get a late fee or a hit to my credit report. All I am asking is that a consumer not have to wait XXXX days for a refund on a store credit card when they control the system. I feel as if they are being deceptive in business practices and forcing consumers to pay unjust late fees or to just pay a fee to make money off of them.
Product: Debt collection

A debt collector named Maury Cobb located in XXXX alabama claiming to be a lawyer collecting around XXXX dollars. A robot message calls every day sometimes twice. It was a medical bill that Medicare has already payed XXXX XXXX XXXX and they have been told this and asked to stop. My name is XXXX XXXX XXXX.
Product: Mortgage

My mortgagee was transferred to Nationstar/Mr. Cooper effective XX/XX/XXXX. When it was transferred I had a FHA loan. Nationstar/Mr. Cooper reported on my credit report that I had Conventional Real Estate MTG mortgage and Conventional Re Mortgage, Date Opened XX/XX/XXXX this is untrue. On XX/XX/XXXX, I never opened a Conventional Real Estate MTG mortgage or Conventional Re Mortgage, Ever. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting of my credit information.
Product: Credit card or prepaid card

I bought several mice from XXXX XXXX and later found that they had problems, so I returned them all to XXXX XXXX. XXXX XXXX promised me that they would refund me the full amount within XXXX weeks, but I have not received any money for almost 2 months. 

Because I have not received anything, and XXXX XXXX has never refunded me, I have disputed the purchase with my Discover credit card. However, Discover is being unreasonable and despite providing complete and clear evidence that XXXX  has received my return a long time ago, they have refused my dispute. 

They are requiring me to prove that XXXX XXXX  's policy would have refunded me the full amount in this situation and that the refund would have been credited back to my account. These demands are clearly unreasonable and I am entitled to dispute the payment, I have not received anything, and have proven that I have returned the significantly flawed mice in full. I also attempted to find XXXX XXXX  's policy and sent it to discover, they do indeed promise a 30-day no-questions-asked refund and state that they will refund back to the credit card within XXXX weeks. But discover argue that these terms are not clear enough and do not guarantee a full refund and do not represent a return to the original credit card. 

In my opinion, this is clearly an irresponsible and malicious obstruction. I believe that in this situation, I have actually provided evidence beyond what is normally required for a dispute, and I have communicated as best as I can, but Discover is pushing all the burden of proof on me, I am very disappointed and hope that the CFPB can intervene and investigate so that consumer rights can truly be protected. 

-- -- -- -- -- -- - Here are the XXXX XXXX. detail : XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Merchandise {$46.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Monday, XX/XX/XXXX Transaction Date Monday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Merchandise {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Saturday, XX/XX/XXXX Transaction Date Saturday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE
Product: Checking or savings account

Refunds not dispersed XXXX XXXX Transfers never deposited since XXXX and never got any refunds or reimbursements for multiple transactions since the year XXXX. Money continues to disappear and despite my complaints and multiple times of trying to resolve issues. I never get a response or never get my money.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their inclusion on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA Section 605B [ 15 U.S.C. 1681c-2 ] requires the blocking of information resulting from fraud or a data breach.

FCRA Section 604 [ 15 U.S.C. 1681b ] limits the permissible purposes for accessing and reporting consumer credit information, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed immediately. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. 

I expect immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond promptly in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

This XXXX, I was shocked to see inaccurate accounts appearing on my credit report, and I cant understand why. I regularly check my credit report, and this time, there were unexpected discrepancies. I even tried refreshing the browser, thinking it was a glitch, but the incorrect information stayed. I am deeply concerned and request that the documents I sent be thoroughly reviewed so I can avoid this XXXX  in the future.
Product: Debt collection

My wages were garnished. I called XXXX XXXX XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them XXXX XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and XXXX duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.
Product: Debt collection

I believe the account is invalid. WILLIAMS RUSH & ASSOCIATION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WILLRUSH  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card

My balance on my XXXXXXXX XXXX XXXX was due XX/XX/XXXX. I had previously made a payment but purchased other items throughout the month. I logged on, on my due date to pay may entire balance, which I did. However, when my new statement came out I was charged around {$55.00} XXXX  for the XXXX balance. My entire statement was for only interest. Every credit card I have talked to since has confirmed that if your balance is paid off on or before the due date you should not have an interest fee. However, I called twice to try to get this resolved. One person told me that's the way credit cards operate, which I have had numerous cards over the past 30 plus years and this is the first card to operate this way. The other time I called I was informed that they charge interest for two consecutive months regardless of the balance. What? I then tried to email three times, the first two no response. The last time, after typing a huge email I was informed there was technical difficulties and my email did not go through.
Product: Credit reporting or other personal consumer reports

I originally reported a XXXX credit card ending in XXXX, I don't have the full number for I never had an account ending in XXXX. I informed XXXX on several occasions this is not my account. I found out from credit investigation that it was originally opened up by a XXXX XXXX XXXX XXXX. 

My name is XXXX XXXX XXXX. I had fraud about 2 years ago or so, I reported it to the sheriffs office in XXXX XXXX Florida. I then reported it to XXXX and I have complained on multiple occasions. I then receive letters in the mail stating the " account is valid '' when it is not and complete fraud as I have reported for over 2 years now. 

XXXX is ruining my credit and I want this unlawful fraud removed from my credit report. I am asking the CFPB to step in and help for XXXX does nothing to help. 

I have attached all my proofs of identity proving I am not the owner of the XXXX account.
Product: Student loan

Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) wrongly reported a delinquency / non payment on my credit report multiple times for XXXX student loan issue that was paid and resolved. 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. 3. The XXXX account at issue was wrongly reported negatively under multiple account numbers when the issue involved only XXXX Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Product: Mortgage

We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. I also would like to know what PNC rule is for flood insurance, they have had me pay for a total rebuild, not for the loan amount like other banks? I have been in contact with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number 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 furnish a account without my written instructions 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.
Product: Bank account or service

I had a successful Navy Federal Credit Union account from XXXX to XXXX. Unfortunately I fell victim, and prey to identity theft, which my accounts closed, inactive, dormant. My line of credit was terminated and moved to consumer loans in the amount of XXXX, and my credit card maxed out to XXXX as a charge off. Due to this mishap, and veteran identity was compromised from my access # XXXX the only remaining account is my savings where I can deposit money in the account only with no access to other accounts. 
A representative made contact with NFCU Security where I have a level XXXX on my so called delinquent accounts since XXXX/XXXX/XXXX. Navy Federal Credit Union sold my accounts to XXXX XXXX, and also to XXXX XXXX. I think I disputed these companies in the past with no such luck until I came across CFPB.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX HARD INQUIRY ON XXXX  HAS BE DELETED
Product: Student loan

Issue with Navient Student Loans - I refinanced my mortgage and closed XXXX XXXX, 2016. The escrow company sent checks to pay off my wife 's student loans. Navient cashed XXXX check, lost the XXXX one, and we found out a month later they did n't credit any of the monies against her account. But we had to call to have them send back the money they kept. 

We 've called like 10 times, spoken to supervisors, been sent to other departments, etc. 

Navient then returned some funds, so we sent XXXX more checks XX/XX/XXXX to clear the account. They cashed the checks but did not credit the accounts for the monies they 've received. My wife 's account then went into default, so we did a forbearance. 

A month later they said they sent out the checks to escrow. Three weeks later we called again and they said no they had n't sent the checks but were sending them out. Then weeks went by, no checks, and they said they still had n't sent them out, but they would. 

Now it 's XX/XX/XXXX, no checks, they said they sent the checks out again and no one has seen the checks. 

We just want them to take the money they have of ours and credit her account, credit her with the interest they 've overcharged her while they had her money, and be done with this and Navient! 

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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

TransUnion willfully and purposely leaves an illegal and erroneous collections account on my TransUnion credit file. XXXX XXXX collection in the amount of {$300.00} is still on my credit report. They also have illegally added this tradeline on my credit report. TransUnion has received my mailings confirming XXXX XXXX has not validated the debt nor has responded to me in over 60 days after repeated steps. 

All TransUnion does is " investigates it '' by allowing XXXX XXXX to update via e-oscar while verifying nothing and leaving this frivolous charge off on my credit report. 

TransUnion continues to cause financial harm by leaving this erroneous unverifiable charge off on my credit report.