23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been receiving calls everyday since XXXX XXXX, 2018 from Navient. I have asked them to remove my number from their call list because I do not have an account with them. They told me they would fix it in 24 hours and it 's been over 10 days. They are continuing to harrass me. I do n't even know the person they are calling.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, we requested that Remitly.com transfer {$1200.00} XXXX through XXXX XXXX, XXXX, to a dear friend. We authorized our debit card for the transaction. We had done similar transactions monthly since XX/XX/2019 with no problems. 

We received information from XXXX that XXXX had a problem with the transfer. Our intended XXXX recipient phoned XXXX and was told they never received the funds from Remitly. 

We have not received a refund despite their claim refunds will occur within a week if the transaction fails. 

Remitly does not respond to our emails and the phone service ( XXXX ) does not take messages but refers us to their site. The Help site does not allow for cancelling the order - we are told to look at their information and go to the end to hit cancel, but there is no " cancel '' there. 

Thinking that perhaps I erred in my original request, my wife tried also to put through a request, using her slightly different debit card, on XX/XX/XXXX. That was a big mistake. At that time we expected a timely refund of my original request. Now Remitly holds two orders of {$1200.00} and no one at Remitly responds to our phone requests or our emails. 

Yes, we understand their staff is affected by the corona virus. But we desperately need both orders cancelled and our funds received. We can then pay our own bills and still send money another way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom debt relief sent an unsolicited email. In the bottom, the unsubscribe now footer as needed under cupboards guidelines was there, but was a jpeg that opened a new browser that sent me to their site, but no email removal is visible. The only option is to go to contact us and chose generic email addresses and send one to ask to be removed. 

I have done this several times in the past, and still am receiving these unsolicited emails I also did not request anything from a XXXX  account which is fraudulent and wrong
Product: Credit card or prepaid card

I had a fraudulent charge on my US Bank XXXX XXXX card ending in XXXX. 

Their customer service that handles disputes does not even look at each dispute before making a decision. They closed my dispute because they saw a refund that was NOT related to the fraudulent charge. Getting through to customer service is impossible. 

I have a clearly fraudulent charge that US Bank will not even look at anymore because of a refund that is not even related to the fraud charge!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, continues to report inaccurate repossession information on my Equifax Credit file. The FCRA prohibits companies from providing wrong information, when they know or have reason to believe the information is inaccurate. XXXX XXXX XXXX has been ignoring my disputes. The vehicle ( XXXX XXXX  XXXX ) was repoed XX/2013 in ( XXXX XXXX Florida ) but my credit file states I 'm over 180 days past due as of today. It also states I made 45 late payments which is false. After numerous disputes, the account still is reporting open. This is a violation of the FCRA, which requires that companies properly investigate disputes.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting and Non-compliance with the FCRA Dear Sir or Madam, I am submitting this formal complaint against the credit reporting agencies XXXX, XXXX, and Equifax as well as the listed creditors and collection agencies. Despite detailed previous disputes and complaints, responses have often been inadequate, comprising pre-written standard form letters that fail to address the specific merits of each case. Such practices are not only unacceptable but also illegal, as they violate the provisions of 15 U.S.C. 1681i, requiring that each consumer dispute be addressed individually based on its particular merits. 

My communications have been consistently disregarded, and there appears to be a systemic issue with how disputes are processed, often implying an illegal delay based on the erroneous assumption that they are third-party interventions. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX U.S.C. XXXX ), which mandates that all data included in a consumer 's file be accurately documented and validated. 

I demand immediate and thorough validation of the following accounts, which reflect inaccuracies and unsubstantiated derogatory information : XXXX XXXX XXXX  Account Number : XXXX Dispute : Unverified late payments, request for XXXX XXXX XXXX in reporting. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Incorrect reporting of payments, update required to reflect payments made on time. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dispute : Charge-offs and late payments reported without proper documentation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Late payments inaccurately reported. 
XXXX XXXX XXXXXXXX Account Number : XXXX Dispute : Charge-off reported without substantiation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Incorrect charge-off and late payments. 
XXXX XXXX Account Number : XXXX Dispute : Charge-off and balance inaccuracies. 
XXXX XXXX XXXX XXXX  Account Numbers : XXXX, XXXX, XXXX, XXXX Dispute : Multiple discrepancies in charge-off and payment history reports. 
These accounts reflect discrepancies that can not be overlooked, including duplicate reporting, unverified late payments, and charge-offs that significantly impact my creditworthiness. The accuracy of your credit reports is crucial, and the alleged discrepancies listed do not meet federal or state requirements for reporting and can not be substantiated. 

I kindly request that you handle this matter with the utmost care and diligence. Each account mentioned requires verification and validation, including the requisite certifiable Metro 2 Compliant Reporting Format Standards and processes related. If the claims can not be validated, they must be removed immediately from my credit report. Failure to process my requests promptly will compel me to consider legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. I expect a detailed response within the statutory timeframe. 

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

On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Product: Checking or savings account

On XX/XX/22 at XXXX I made a check deposit of $ XXXX was told by the teller the funds would be available XXXX the next day. Subsequently, several hours later I was emailed a notice telling me the check would be put on hold for 10 days due to some obscure reason. 

I went to the local bank the next opening business day which was XX/XX/22 to try to retrieve the check and was told the check was put on hold by their " Back Office '' for reasons unclear to them, it was already mailed out and that I would have to call their customer service for further help with this matter. 

On XX/XX/22 I contacted the issuer of the check to try to get them to cancel that check and wire me the funds since I was in dire need of the cash right away. The issuer of the check ( accounting ) told me the funds had already cleared their account. 

I contacted BOA customer service to get an explanation of why they had to hold my money for 10 days when it's stipulated in their own bylaws that they can hold check 2-7 days. I also needed to know what the reason was for the hold considering the issuer released the funds the day after deposit. The manager I spoke with could not give me a reasonable explanation. All she could say was this is the rule of the bank... there is nothing we can do. 

At best, this is a very shady business practice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA & # XXXX 's. ON XX/XX/2021 I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND XXXX XXXX XXXX FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Product: Credit card

I called the number on my Macy 's credit card in early XX/XX/XXXX to report a fraudulent in-store purchase made in the amount of {$1000.00}. The employee assisting me somehow also included some online purchases that were authorized and made by me. The investigations team for the Credit card company denied my claim because of those online purchases, stating that the items were delivered to the correct address. However, I am trying to file a claim for the fraudulent in-store purchase that was not made by me.

The fraud occurred in-store at a Macy 's store in XXXX California XXXX XX/XX/XXXX for the amount of {$1000.00}. The agent told me the purchase was made by an account look up and they by-passed the signature required. 
The agent closed that card and I was issued a new Macy 's credit card in XXXX. 

Then on XX/XX/XXXX there were two more fraudulent in-store purchases made at a Macy 's store in XXXX for the amount of {$700.00} and Macy 's in XXXX XXXX for the amount of {$390.00}. Both in-store purchases were made by an account look up and again, the signature required to make the payment was by-passed. 

I have been trying to resolve these issues by calling every month since my first fraud claim. They denied my first claim because of the online purchases that I did not report. I called to request that the case be reopened for the fraudulent in-store purchases and was again denied because of the online purchases that were attached, that I did not claim to be fraudulent.
Product: Credit reporting or other personal consumer reports

Company reporting inaccurate information on my consumer credit file. Making it extremely difficult to obtain the necessary essentials. It is the responsibility of the consumer credit agencies to provide information that is fair and equitable to me, the consumer. Per 15 usc 1681a Acurracy and fairness of credit reporting. 

Also it is in the Privacy Act of 1974 that state it is the duty of the company to provide disclosure to the individual, obtain written consent before reporting inaccurate and any information.
Product: Credit reporting or other personal consumer reports

My dispute is for a fraudulent credit card showing on my credit report, which is affecting my credit score and is preventing me from getting a loan. The card was issued by CITICARDS CBNA. It was opened on XX/XX/scrub>XXXX XXXX shows a balance of {$12000.00} and its delinquent. I already disputed it with all three credit bureaus, but XXXX ask me to file a fraud report with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ASSOCIATED CFPB COMPLAINT NUMBERS : XXXX ; XXXX ; XXXX XX/XX/2021 Re : Letter to Correct/ Add Credit Information To Whom It May Concern : On XX/XX/2021, I filed a formal complaint with your office, as well as the Consumer Financial Protection Bureau ( CFPB ), regarding several issues with my Equifax credit report, and incomplete and inaccurate information reported. On XX/XX/2021, Equifax replied to the CFPB complaint, noting that a response will be mailed. To date, no response has been received by me. I received a copy of my credit report and found the following item ( s ) to be missing from my Equifax credit report : The following information is missing from my credit report. I would like it added to my credit history report, as the creditor has verified their reporting to you, and you are not reporting accurate information : XXXX. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX Account Number : XXXX 12. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 13. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 14. XXXXXXXX XXXX XXXX Account Number : XXXX 15. XXXX/XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and added correctly my report. By not accurately reporting my credit standing, Equifax has caused me harm with denial of credit from other lenders. I understand that under federal law, you must complete this reinvestigation within 30 days of receipt of this letter. I am enclosing a copy of my Equifax report that shows this account is missing. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I have requested a thorough investigation to address the discrepancies in my credit report. Thus far, I have not received a clear response, as your replies merely assert that the information has been verified without providing specific answers to my inquiries. These responses seem to be generic templates. However, what about cases where the inaccuracies are not typical? Those questions remain unanswered, and it appears that simply sending the same report is considered an adequate response. I insist on receiving clear and prompt responses to my queries, as well as the completion of my credit report information. Unfortunately, TransUnion has continued to disregard my requests. I have enclosed my most recent letter for your reference. XXXX XXXX XXXX.
Product: Student loan

The first 2 times I called the XXXX  number for MOHELA, after typing in my identifying information, the automated system said MOHELA did not have my application on file or me in the system. The next time I called I was able to make some progress ( they could identify or recognize my account ) but I was disconnected before I was able to talk to a person. The third time I called was XX/XX/XXXX and I talked to a nice young woman who listened to my appeal and put me on hold while she spoke with her supervisor. She returned and said that she was going to transfer me to her supervisor for more help. I remained on hold for 3 hours and 8 minutes but was finally disconnected. Here is my appeal : I applied for the PSLF because I XXXX in XXXX XXXX XXXX for XXXX years. MOHELA says that I have 90 qualifying payments of the required 120. It is my understanding that the first 5 years of my service did not qualify as payments because I had filed a XXXX XXXXXXXX XXXX ( due to failed XXXX XXXX during the great recession of XXXX ) the year before I started XXXX  and was not allowed to make payments during that time. HOWEVER, during my first years of XXXX, the U.S. Department of Education did receive a lump sum {$17000.00} from the bankruptcy courts on my behalf. If I had been making payments during that time based on my income, they would have received approximately {$13000.00} over the 5-year period, much less than the lump sum of {$17000.00}! I could understand that time not eligible if I had filed a XXXX XXXX and no payments were made but I thought I was doing the more honorable option because I wanted to pay as many debtors what I could for as much as I could. The U.S. Department of Education received a substantial amount of money from me through the courts during the first 5 years of my XXXX XXXX. What is especially frustrating and should be considered criminal is that I specifically asked that my student loans NOT be part of the bankruptcy because I wanted to make payments. I even submitted a written request XX/XX/XXXX ( see attachment ) to have the " suspension of loans '' taken off so I could start making payments. I was refused! Under the Limited PSLF waiver, if no payment, late payment and wrong plan counts as eligible why cant payments made during XXXX XXXXXXXX count? Please help me get credit for the first 5 years of my XXXX XXXX ( XX/XX/XXXX to XXXX ). OR AT THE VERY LEAST - credit the remaining 30 payments that I have left on my current PSLF application. I XXXX for 13 years in the poorest of poor neighborhoods, with limited resources, where I gave my heart and soul to those children day after day. Thank you for your time and your kind consideration, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters ( dated XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) to investigate the validity of the account XXXX. They have all been delivered by certified mail. Experian has received my disputes for this account but continues to report inaccurate information ( credit report attached ) which is a violation of FCRA 623 ( a ) ( A ) ( B ) ( i ) ( ii ) AND have failed to mark the notice of dispute on my credit report after many chances to do so. This is a violation of FCRA Section 623 ( a ) ( 3 ) which is the duty of furnishers to provide notice of dispute. 

Tracking # XXXX ( XX/XX/2023 ) Experian received this on XX/XX/XXXX and sent me DISPUTE RESULTS for this account on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX ) Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX NEW INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance : {$670.00}.