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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXXXXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX   XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to Title 15 Chapter XXXX, Santander Consumer USA has committed individual actions against me beginning in 2018. They also involved a 3rd partly, XXXX XXXX, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, Santander Consumer USA has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried Contacting Experien to remove these fraudulent inquires in my report there on the dates as follows XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX  on XX/XX/XXXX and XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX these need to be removed due to the FCRA as I Have no knowledge of these inquires and they are fraudulent.
Product: Debt collection

Good evening, I received a Credit Card debt after doing a XXXX XXXX XXXX credit check under the company " CBNA '' which after researching online, I believe is " Citibank North America '' for {$110.00} on XX/XX/2018. 

Under the same line, it shows the following : CBNA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX You can see it in the picture attached. 

I have never opened up a credit card in my entire life and I am very curious as to why I was charged {$110.00}. I can not find any information about this under my XXXX XXXX bank account. 

Please advise, thank you.
Product: Student loan

My student loans were discharged by PSLF. I received a letter from XXXX XX/XX/XXXX notifying me of loan discharge with an " effective date of XX/XX/XXXX ''. Amount Forgiven was {$66000.00}. There are XXXX negative Outstanding Balances per the letter in the amounts of - {$6500.00} and- {$34000.00}, which I assume are the amounts that should be returned to me, the borrower. I owed less than {$28000.00} on my student loans. I have attached my last billing statement as well from XX/XX/XXXX. I have called EdFinancial many times in regards to over payment or refund amount. They submitted a refund in the amount of {$8700.00}, but will not provide documentation of how they calculated this amount. I received a check from the Department of Treasury today in that amount. Each time I call EdFinancial, they tell me I have to call FSA Federal Student Aid. Then FSA tells me I have to call my Lender. I spent 3 hours on the phone today with EdFin and FSA, even asked to speak to a supervisor at XXXX point, and the rep would not transfer me. She said she would put in a ticket and I could expect a call in XXXX hours. I am not sure if they purposely won't provide information or just incompetent employees. I do not understand how a government entity with electronic documentation can not figure out the amount of refund that is due to a borrower.
Product: Credit card

I signed up for XXXX synchrony car care cards. One with XXXX  XXXX and XXXX with XXXX XXXX I signed up for the online payment option and made payments on both last month online. When i went to log in this month to pay i was blocked from accessing my account. The statement on the website reads " This account may have been closed or blocked. Please contact customer service at the number on the back of your card. '' So i called customer service twice. Both times they refused to unblock the account. The first time, after 45 minutes, they said they were transferring me to tech support. I then spent 2 hours on hold before the call was disconnected. The second time they also refused to help. This time i told them to have tech support call me when they were available as my time is valuable and being a victim of there incompetence is not required to pay a bill. When i asked for paper statements they told me i would be billed for this. I refused to pay. I believe this is intentional to rack up late fees and junk fees. Why would i be required to spend XXXX hours on the phone without getting the situation fixed or pay a fee. Why would i be punished for their incompetence. Why would they block my online payment access and then bill me for it? I am a 100 % XXXX XXXX XXXX Veteran from the war in XXXX and this is triggering my XXXX. I have informed them of my XXXX on multiple occasions. I was forced to ask over 15 times for paper statements before they honored this request. They are very very very intentionally refusing to solve their own issue in order to XXXX late fees and junk fees
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their repeated failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Transunion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report during these correspondences. To aid Transunion in verifying my identity and address, I ensured to include a copy of my photo ID, social security card, and a recent bill with my current address. 

These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing ample documentation to verify my identity and address, Transunion has failed to acknowledge or act upon my disputes within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Transunion 's repeated lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I received a response back from Transunion dated XX/XX/2023 and XX/XX/2023 stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Transunion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Transunion along with Transunion 's response as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, police report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I booked a hotel through XXXX for {$1100.00} and applied for an Affirm loan to pay for it. I quickly cancelled that reservation without realizing that it was a non-refundable booking. I was in a rush and found a better deal on XXXX. I thought the affirm loan was incomplete and did not go through. I tried to back out of the form but did not see that option and assumed the loan did not go through as I had cancelled the reservation. Now Affirm wants payments to start. How can the cancellation fee be the entire amount of the canceled stay?!?!! I have requested XXXX issue a refund to affirm. They said they can request it from XXXX XXXX but I should contact XXXX XXXX. XXXX XXXX said they did not charge me. Affirm asked that I let them know this is being disputed but they are still requesting payment. This is a vicious circle. I want a refund issued to Affirm. I don't have {$400.00} a month to pay Affirm for a stay that did not happen. I stayed at the XXXX XXXX XXXX via XXXX; same dates.
Product: Money transfer, virtual currency, or money service

My complaint is with cash app. I set up an account. They allowed fraud activates such as identity verification compromise my account .My cash app account got hacked due to personal information being ask from cash app chat bot when I was trying to set up an account and verifing my information. Because it was close without me knowing.
Product: Mortgage

We would like to file a complaint on Stewart Title of California for {$55000.00} NSF deposit for Escrow not disclosed to us. On our 21 day escrow per the sales contract originally dated XX/XX/2018 we received confirmation XX/XX/XXXX they had received funds, but were never later notified that the funds were non-sufficient. We and Stewart title moved on with the escrow, we the seller made trips to Arizona for replacement property, hours of time and thousands of dollars were spent on Home Inspections, Pest Inspections and subsequent repairs, packing, renting storage, satisfying escrow and title needs with the knowledge that a deposit was in escrow. The buyer removed all contingencies on XX/XX/2018 and these monies were considered ours as the sellers. We then went on to sign all documents to close escrow at Stewart title in XXXX XXXX, Ca on XX/XX/XXXX assuming our property was sold. It was not until XX/XX/XXXX that Stewart Title notified all parties that they were resigning as title holder and terminating the escrow and at that time we were told that there were no funds to close the deal and the original funds previously acknowledged were not available. 
As the escrow holder being the State Custodian of funds until released per contract which was non-refundable to buyer. Stewart Title violated the Contract, Escrow Agreement and Fiduciary Duties as Escrow Holder. As we were given no update that there were any issues with the escrow or the funding until days after signing the final sale documents, we believe Stewart title is responsible to pay us the complete sum of the liquidated damages of {$55000.00} per the sales contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with Personal Finance Company in XXXX XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then PFC was bought out by Mariner Finance. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into PFC/Mariner in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name Mariner Finance. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with PFC and all loans with Mariner as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. PFC/Mariner, XXXX, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced ( XXXX ) currently being pursued by your agency. Upon review of your communications and actions regarding this debt, it has become apparent that you are in violation of several federal regulations, namely 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations, including the false representation of the character, amount, or legal status of any debt. Your agency has failed to provide adequate documentation validating the debt in question, despite my previous requests for verification. This lack of verification raises serious concerns about the accuracy and validity of your claims.

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that debt collectors must provide consumers with a validation notice containing specific info
rmation about the debt within five days of their initial communication. To date, I have not received any such validation notice from your agency, thereby violating this regulation.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to cease collection activities until they have provided consumers with verification of the debt upon request. Despite my repeated requests for verification, your agency has continued its collection efforts without providing any substantiation of the debt 's validity.

Finally, under 15 USC 1681-S2 ( 7 ) ( A ), debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. Your persistent attempts to collect on an unverified debt, coupled with your failure to comply with federal regulations regarding debt validation, constitute unfair and unconscionable practices. 
In light of these violations, I demand that you immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until such time as you can provide valid verification of the debt in accordance with federal law. 
Furthermore, I expect your agency to provide written confirmation that all collection efforts have ceased and that the debt will no longer be pursued until proper validation is provided. Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the law. 
Please consider this letter as formal notice of my dispute and request for validation of the debt. I expect a prompt and appropriate response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I need Bank of America to update and refresh my direct deposits frequently so i could be able to take out money from XXXX XXXX XXXX when promised.
Product: Debt collection

I am writing to address the recent revelation regarding a debt that I was previously unaware of. Until very recently, I had no knowledge of any outstanding debt associated with my name. It was only upon speaking with a mortgage advisor that I became aware of negative entries on my credit report. 

I want to emphasize that I have never received any communication or correspondence regarding this debt. As a responsible individual, I would expect to be notified if there were any outstanding financial obligations or issues concerning my credit history. However, I can confirm that I did not receive any such communication prior to being informed by the mortgage advisor. 

In response to this situation, I have taken immediate action by filing a police report with the XXXX XXXX. This was done in an effort to address the matter seriously and to seek assistance in understanding the origins and legitimacy of the debt in question. 

I want to make it explicitly clear that I am not aware of this debt and have no knowledge of its origins. I am disputing its existence based on my lack of awareness and the absence of any prior communication regarding it.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX information is not being reported by Experian and XXXX, however it is present on XXXX. 

Credit card age, usage, balance, and payment history is not being reported when I log into Experian and XXXX XXXX. 

I would like that information to be present to increase my credit age, utilization, and payment history so that I can continue to make progress on improving my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from information simply being noted on my credit report. But despite all the complaints I sent to CFPBand Transunion, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I'm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

To whom it may concern I written a complaint in the past in regards to Navient Case number : XXXX. I reached out to them again to see why my payments for the last 2 years have only been going to interest. Someone finally explained. I had interest i owed that i had no way of knowing about for XXXX. However Navient billed every month for the same amount. I was unaware of any unpaid or overdue interest i had to pay on top of my payment. I asked them how was i supposed to know this as i would have taken care of it. They told me that it was on my statement the send to my email. However they do not send statements to my email just payment notification of my upcoming payments that is due. On the email it tells me to login and view my statement. The instruction listed on the email does not apply to the site. I can not still find where you can view your actual statement. The gentlemen on the phone i talk to XX/XX/2017 XXXX states that the statement is attached to the email, which is not true as it give you instructions on how to get your statement, but that also is not true. I been paying interest to this company for the past 2 years. I was wondering why my balances was not going down. American Greed is real and this is sad, that people take advantage of you when you just trying to better your situation. The american dream feels like XXXX, the cost of freedom is high.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that dont belong to me on my report.

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

3. Identity Theft SANTANDER BK Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

5. Identity Theft XXXX  Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine. 7. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Product: Checking or savings account

Overdraft FEES. 
2nd Mortgage. 
Prepaid Credit Card Fees. 
I've been with Wells Fargo since XXXX. 
I've been charged numerous overdraft FEES over the years when I've specifically told them NOT to pay if the funds aren't available. 
I had a prepaid credit card in XXXX that was charged way too many fees even though they had my cash to secure the card. 
My second mortgage was foreclosed on erroneously in XXXX. 
Refund {$340.00} in overdraft FEES and interest into my account.