23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient representative named XXXX called my work phone number today, XX/XX/2022 around XXXX. I have never provided Navient with my work number because I do not want them to contact me at work.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of XXXX XXXX  and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX on XXXX XXXX, 2021 under account number XXXX. 

I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
XXXX XXXX  Verification : I have filed an XXXX XXXX  Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, [ Name of XXXX XXXX XXXX ], block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Debt collection

THESE BIG COMPANIES XXXX XXXX  ETC XXXX CONTINUE TO INTENTIONALLY AND UNETHICALLY STRONGHOLD YOU PAY A BILL/EQUIPMENT THAT HAS ALREADY BEEN TURNED IN/PAID IN LIEU OF GIVING BACK A REFUND!!!! A SLIMY TACTIC!!! 
I have contacted XXXX and the debt collector before that XXXX  ASSIGNED ME TO with PROOF & FACTS. EVERYTIME I REQUEST MY LONG OVERDUE REFUND FROM XXXX XXXX  THEY ASSIGN ME TO ANOTHER DEBT COLLECTOR. IN LIEU OF GIVING ME MY {$150.00} REFUND PLUS INTEREST!
Product: Credit card or prepaid card

# XXXX I have a Neiman Marcus credit card not able to make the high payment and capital one will not work with me due to unemployment because of COVID 19. I can't afford to pay the minimum first payment was XXXX and I gave XXXX. Now I owe a payment on XX/XX/XXXX I have to pay XXXX. I can't afford that amount. I spoke with a customer service rep ( XXXX ) who worked with Capital one bank. She told me the account was closed and there wasn't anything they would be able to do. She said because Neiman Marcus has strict guidelines it wasn't much can be done. She stated since the account is closed I can make any payment I can. She stated I will be still given a late fee and reported to the three credit agencies as of late payment. I need help and be willing to make a payment I can't afford XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax critical personal information pertaining to my credit report have been compromised in the hack of their servers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting multiple accounts on Equifax that XXXX XXXX is reporting. This practice must stop as it hindered my financial growth and dramatically decrease my XXXX  and XXXX  score This makes it difficult for any creditors to see the real scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3.  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've applied for a XXXX XXXX American Express card and my company has over {$1.00} million in annual revenues and my annual income is over $ XXXX. I've applied twice and both times I've been declined and when I request to see the details related to the declination all I receive is the message below. My applications were over 2 weeks apart so I find it untruthful that their systems have been updating for over 2 weeks. I've tried back after 24, 48 and 72 hours and I still receive the same message so the basically decline my application and do not provide the reason why. 

" We're Sorry Our systems are currently updating ; please check back on this site in 24 hours. Sometimes, clicking on one of the navigational links can resolve the problem. If this doesnt work, please try again later. Or, if you would prefer immediate assistance, you can call us at XXXX ( Mon-Fri XXXX XXXX XXXX 

For card applications, click here for some of most frequently asked questions. 
For American Express XXXX XXXX click here for some of most frequently asked questions. 
For American Express XXXX XXXX, click here for some of most frequently asked questions.
Product: Debt collection

The debt collector placed an unidentified collection debt on my credit report, which, upon contacting them, they admitted they did not have record of my name or any information of the debt in their systems. They advised that I dispute the negative mark on my own, through the credit bureaus, and simply told me to figure it out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  , DC XXXX Subject : Complaint Against U.S. Bank Inaccurate Charge-Off Reported to XXXX Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against U.S. Bank for its mishandling of my account and for inaccurately reporting a charge-off to XXXX, which has negatively impacted my financial standing for more than XXXX years. 

The complaint pertains to U.S. Bank account number XXXX. On XX/XX/XXXX, I visited the U.S. Bank branch at XXXX XXXX XXXX XXXX, XXXX, OH XXXX after discovering my account was showing a negative balance. I made a deposit through the drive-through teller, but the funds were mistakenly deposited into the wrong account. Despite bringing this issue to the attention of the branch manager, XXXX XXXX, who assured me it would be resolved, the issue was never corrected. 

As a result of this error, the account was closed and a charge-off was wrongly reported to XXXX. The issue stemmed from the failure of U.S. Bank employee XXXX XXXX, who did not credit the funds to the correct account before it was closed. Despite this being an internal error by the bank, the charge-off remains listed as settled on my XXXX report , which is inaccurate and unfair. 

I have attached supporting documentation, including communication records and a copy of the XXXX report. This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires financial institutions to report only accurate and substantiated information. U.S. Bank has failed to fulfill this obligation, and this has caused ongoing harm to my financial credibility. 

I respectfully request that the CFPB investigate this matter and take appropriate regulatory action to : Require U.S. Bank to immediately correct and remove the inaccurate charge-off from XXXX. 

Ensure U.S. Bank updates its internal practices to prevent further incidents of misreporting due to staff errors. 

Provide me with written confirmation of the resolution. 

If this matter is not addressed in a timely manner, I will also pursue complaints with the Office of the Comptroller of the Currency XXXX XXXX ), and consider legal remedies to recover damages incurred due to this false reporting. 

I request a response within 10 business days from the date of this complaint. I am available to provide any additional documentation or information needed to assist with this investigation. 

Thank you for your attention to this matter. 

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

I am writing to file a formal complaint against XXXX regarding their negligence in updating my credit report to remove an account with XXXX that shows as closed due to XXXX  XXXX bankruptcy, when in fact the bankruptcy was denied by the court. Despite my numerous requests for removal, XXXX has not taken any action to update my credit report and this has caused significant harm to my financial standing. 

I have made several attempts to dispute this erroneous information with XXXX. I have uploaded supporting documents through their dispute center, sent certified mail, and contacted their customer service department multiple times, but the issue has not been resolved. The bankruptcy was denied by the court, and there is no record of it in the public record. However, XXXX continues to report the account with XXXX as closed due to bankruptcy, which is causing significant harm to my credit score and financial standing. 

I demand that XXXX immediately update my credit report to remove the account with XXXX that shows as closed due to XXXX  XXXX bankruptcy. I also request that XXXX compensate me for any damages that I have suffered as a result of their negligence. 

Their failure to update my credit report has caused me significant financial harm, and I believe that XXXX should be held accountable for their negligence. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates. 
Clerical or Processing Error : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as 30 and 60 days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

lexis nexis reported to the three credit agencies that i had a bankruptcy in my name. i disputed this and they say its verified, but i go to the supposed court house that its with and they say two things. 1 they do not provide information to any third parties, 2. my name and social security and date of birth do not match any of their records. so how can they possibly be getting my information from the courts. they must maintain information through the original company for full socials and date of births.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : Sender tried to send me {$500.00} through XXXX XXXX bank using my cell number. Just as they hit send, they noticed that the name that came up was not mine XX/XX/XXXX : Sender filed a dispute with XXXX to retrieve the money. It was deposited in to an account with XXXX that was not mine, but had my cell number registered with the bank and XXXX I have not used XXXX before, but I have since learned that to register XXXX, a person would receive an activation code sent to their cell which they would need to input to their bank to confirm it is their number. I've spent three weeks speaking with XXXX, XXXX and my bank ( XXXX ) to keep asking how someone could have registered my cell number, as it appears that this is a security/fraud issue. 

XXXX has been active for about a year and a half, and I have had the cell number for two and a half years, so this person would never have received an activation number to be able to register the cell number with their bank. 

XXXX has confirmed that the money went in to this person 's account with them. The sender has put in two disputes with XXXX, but they will not do anything to retrieve the funds and send them back. They have said that it is the sender 's fault for not noticing the person 's name when they hit send. However, this would not have happened in the first place had someone else not been able to register my phone number. 

XXXX has told me this is a bank issue. XXXX won't help me as I am not a customer of theirs, and XXXX won't help me with this because they were not involved with the payment. I don't know how to get help with this. To me, the main issue is how this person could ever have registered my number without the activation code. 

Secondly, XXXX asked me if my cell number had received the notification that money was sent to that number. I told them that no, I did not received any notification, which apparently I should have received that as that was the number the money was sent to, even though it was linked to another account. Apparently when money is sent you to, the number receives notification, and a link to accept the money. My number did not receive that, so I can't see how the money was then apparently sent through that number. 

These are the questions that XXXX nor the banks will answer - how did someone register my number without the activation code, and if that is the number the money was sent through then why wasn't notification sent to that number. 

I would really appreciate your help with this. It has been awful trying to get these places to help me, constantly being bounced back and forth, and no-one recognizing that they don't know how someone else registered my number. How many other people could this happen to?
Product: Mortgage

In early XXXX Rocket Mortgage called me suggesting I refinance. They promised on several occasions the closing cost would be below {$2300.00} and promised it be between $ 1400-1700. They promised the mortgage would be between {$1200.00} and {$1300.00} a month. They promised the interest rate would be 2.25 % XXXX XXXX XXXX XXXX  mortgage banker promised all these things several occasions throughout XXXX and XXXX. Then THE DAY BEFORE CLOSE they raised the closing costs from approximately {$1700.00} to {$2900.00}. A near {$1100.00} difference on the day of. So I refused and told them to get it back to the agreed upon amount. 

The did. And we agreed to close on XX/XX/XXXX. On XX/XX/XXXX I tested positive for covid. I asked SEVERAL TIMES on the phone if we can postpone 1 month. THEY PROMISED each and every time I called while sick my loan wouldnt close and IF IT DID I would easily be able to reapply and GET THE SAME RATES!!!! They lied on several phone calls between several people and specifically by text by XXXX XXXX the entirety of XXXX and XXXX. 

I got better and called XX/XX/26 to reschedule the close. They called me back XXXX to tell me they closed the loan application. Told me it was 100 % federal government regulations fault. And then proceeded to tell me in the last 5 days the interest rate sky rocketed and if I wanted to get the mortgage rate I wanted, I would have to pay well over {$13000.00} They lied an incredulous amount of times. They stalled. They changed the prices. I want what was promised
Product: Money transfer, virtual currency, or money service

The response by Paypal to my complaint # XXXX is horrible and plenty of false and misleading data. I am also very dissapointed with that CFPB closed that complaint as it should remain open. Therefore, this new complaint is a follow-up complaint. The first lie from Paypal is about an alleged email message supposedly sent to me on XXXX XXXX, 2015 stating the reason for the lifting. However, no explanatory message was emailed to me from Paypal. I also must deny that a copy of my XXXX XXXX was not submitted as I faxed it 3 times at least and its reception was confirmed in a phone call, which was answered by a VERY RUDE Paypal operator ( an usual trait in Paypal agents ). I am a US XXXX and the fact that during a period of time I logued in from outside the US was due to the fact that I had to travel overseas for the serious illness my mother was suffering. It is a BIG FALLACY from Paypal to conclude that I am a resident of another country because of the login sessions to Paypal .... for instance, it is not necessary to be a computer specialist to know that many Internet providers work with international IP addresses. Perhaps immigration offices should determine resident status based on Paypal loguin sessions : - ) Really Paypal behaves in a very stupid and childish way ( not to mention their self-opinionated ego ). Paypal did NOT act in good faith!! ALL the information I provided is true and valid and as a proof Paypal verified both US bank account and credit card. It is a BIG FALLACY and LIE from Paypal to state that there is risk associated with my account as I never had any dispute or payment challenged. My account is COMPLETELY risk-free as Paypal will never experience any loss with my account.
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required. 

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter. 

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account. 

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities. 
Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In early XXXX of this year, I reviewed my credit and noticed a delinquent account that does not belong to me. I filed a police report the same day for fraud and impersonation and contacted XXXX XXXX of XXXX the next day and spoke with the manager, XXXX who advised me to come in to complete a fraud affidavit. He asked for personal information over the phone which I didnt feel comfortable providing as Ive never done business with this company and was very alarmed as to how they obtained my information to begin with. I went to XXXX XXXX and completed the Fraud Affidavit certifying that the account they have on record does not belong to me. The manager showed me a copy of a check which was somehow digitally deposited into a Truist bank account but was completely blank on the back without any endorsements. The manager told me the matter should be resolved in about 14 days and removed from my credit. Ive waited that time and called the manager again and even went back there to be told it will take about 30 days in total. This is unacceptable, as my credit has been drastically affected, my mail and identity compromised and I want a thorough investigation of these companies, XXXX XXXX of XXXX and Truist so that this doesnt happen to me or anyone else again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$770.00}
Product: Credit reporting or other personal consumer reports

I have called XXXX who oversees the XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX. 
each rep tells me something different on reporting. None of them really know. 
I have bee waiting for this card to be updated for a loan for 30 days and still waiting. 
I was told legally they have 30 days others tell me there 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX several times after they installed the satellite XXXX  in the past. I should not owe them any money. The contract was recalled before the deadline ( I was given so many days to get out of the contract with the company ). I had to move out of my apartment and I asked XXXX XXXX to void the contract and come retrieve their equipment. I also asked IC Systems ( creditor ) to remove this information from my credit report and they refused. I never used the services but XXXX XXXX sent me a bill for well over {$1500.00}. They then listed it on my credit as owing {$580.00}. 

IC Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Checking or savings account

Wells Fargo XXXX  my checking accounts, mortgages and auto loans, with some of the misconduct happening as recently as this year. XXXX XXXX XXXX. I have been a Wells Fargo customer and account holder for over XXXX  years.