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

I have reached out to each reporting agency for a resolution but was not able to achieve one. I have asked to send me copies of documentations to show that these depts belong to me but have not received any. I have sent information that I person by the name of XXXX XXXX XXXX is using my social security number. Below are the accounts that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} 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 and number of Closed accounts that needs to be removed.

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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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: Mortgage

Company refuses to unblock account. 
This is a dead loan. 
This company illegally bought the dead loan. 
Company continues to notify via mail to ex husband and grown children who no longer live here. 
Harassing daily with phone calls and letters Company needs to quit illegally foreclosing and trying to auction home this is the XXXX time in XXXX  years and judge has found in my favor every time we have been to court. 
I am XXXX and now have a XXXX son. 
Illegally trying to modify and change loan that was already in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same two companies twice and they keep saying that the findings are accurate and they are not. I have never used or owned a credit card. Yet they keep insisting that I have. I'm trying to start my own business and this is hindering me from doing so. It's not right for them to keep saying the information is accurate when it's not
Product: Student loan

Navient sent out the misconduct information and i filled it out and returned it with documents via mail. I received a letter saying that my discharge was denied for a variety of factors but not one factor was listed. Navient has to tell me why and give me time to fix it and they did not. This response is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two seperate letters to Experian & XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian & XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian & XXXX act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...
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. 

US DEPT OF EDXXXX XXXX , US DEPT OF ED/XXXX/XXXX XXXX, US DEPT OF ED/XXXX/XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new immigrant, and I didn't know about the country 's credit system.

The three accounts about because of events in life, I live in the United States at that time, my father is XXXX years old living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back.

They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult.

I believe that the credit report is more for education and correction, not just for punishment.

I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XXXX Of 2021 I applied for a loan with XXXX. Now in reference to there responses, the company website clearly mentioned no credit check meaning the contract states the company can report or check credit scores but online it doesnt mentioned anything as such. The company needs to provide a full explanation explaining why the website states one thing and the physical contract says another. No credit check means no credit check and Ive dealt with leasing companies in the past that advertises no credit check and its not on my credit report at all. Stop falsely advertising your website if its a actually credit check and Im still reporting this company to the Attorney General for an complete investigation because they are ripping consumers off with fees if you can not pay within 90 days of signing the agreement.
Product: Mortgage

I have made timely payments on my mortgage. Yet the mortgage servicing company ( Axos bank ) has reported a late payment ( 30-60 days past due to the credit bureau ) . This has damaged my credit score.

I am attaching the credit report showing the missed payment, as well as evidence of timely payment ( Payment cleared from my checking account ).
Product: Checking or savings account

I deposited A XXXX  XXXX XXXX check into my M and T account. I was told by M and T my Funds would be released within 5 buisness days it was deposited on the 7th of this month.XXXX XXXX XXXXXXXX told me that M and T bank cashed the check for XXXXM and T says they have an investigation they're giving me no information XXXX transparency.I simply want my money so u can close out this account..M and T clearly does shady buisness, and I'll never deal with them again..I 've given M and T all the information proving the check is legitimate... Not to mention they've already cashed the check and received my money as XXXX XXXX XXXXXXXX revealed that to me..not M and T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled my XX/XX/XXXX payment on XXXX XXXX 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that XXXX XXXX tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in XXXX day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that XXXX XXXX resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX XXXX time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to XXXX XXXX requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX XXXX XXXX reported a 30 day lateness on my credit file on Experian. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error. 
On XX/XX/XXXX my husband spoke to XXXX XXXX Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct my credit report.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : AMERICAN MANAGEMENT XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many complaints with Consumer Financial Protection Bureau. One complaint was with XXXX XXXX, XXXX, and Transunion who unlawfully accessed my credit report without my permission that led to two forgery and fraudulent auto loans. I have repeatedly requested the permission used to access my credit AND XXXX XXXX still refuses by labeling the complaints as duplicates. They send an incomplete application as evidence that they accessed my credit lawfully. It is attached. This application simply states at the top that INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. Can XXXX XXXX, XXXX, and Transunion read? If this complaint is being reviewed by an overseas country that has language barriers ; I demand they send this complaint back to the US for review. XXXX XXXX will ignore this complaint by simply labeling as a duplicate complaint. Therefore I expect Transunion and XXXX to adhere to the FCRAs requirements If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. Does Transunion and XXXX  understand this requirement of the FCRA? Can Transunion and XXXX read the attached application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can XXXX  and Transunion read at the top where it states that incomplete applications will not be processed? Can Transunion and XXXX  see where it is not dated? Can Transunion and XXXX  examine the application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can Transunion and XXXX verify the application for completeness and accuracy that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Will Transunion and XXXX  assume the responsibility given by the FCRA and remove the XXXX XXXX listing from my report? I received the attached LONG form response from XXXX  that totally misses XXXX XXXX and mind numbing. Transunion and XXXX continually asks XXXX XXXX to verify the attached application which is incomplete. Can Transunion and XXXX  verify since XXXX XXXX will ignore label this complaint as a duplicate?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called Cashapp on the matter of unauthorized transaction for the amount {$260.00}. I ask all the questions to make sure that all pasted cards were canceled and no long in service. After that, I call the XXXX XXXX XXXX customer service to get them to help me, and this was a blame game with them. Even after the conversation with both parties and ensuring that is would not happen again. Now it is XX/XX/XXXX, I wake up to an alert from Cashapp for unauthorized transaction of {$140.00}. Now I am back on the phone with XXXX XXXX XXXX customer service, asking them what they are trying to take funds off my Cash App card again, since I do not havean account with them and for the second time the blame game is on me. But I told them that I don't have an account with them and my car that I own and pay with cash. Then I call Cashapp and asked them why this unauthorized transaction happened again. To make a long story short, I requested letter to support their finding, and even the letter was not correct and was way off in the field. 


Here is the complaint number XXXX
Product: Checking or savings account

I sent Hancock Whitney my durable power of attorney which they denied and would not explain the reason. From my understanding, my notification was just for recording purposes and for permission. I have notified Hancock Whitney of the agreement that I have with my trust with a commercial security agreement and trespass and cure. Whitney then notified me that they were closing my account after almost XXXX years without explanation. As hurtful as this is, I wrote them back conditionally accepting the offer to which they double down on closing my account. After I had my XXXX payments sent to that account that they returned after processing my credits as debits. Hancock Whitney has failed to provide me with my interest and proceeds to them utilizing my deposits. I requested to see both sides of the ledger which was refused. In addition to I wrote a letter to XXXX of the Board of Directors. I am not sure of what may be the issue. I am sure that there is some misunderstanding. In addition to many of my payments were reject, which then caused me to fail to perform my obligations. UCC 3-305 says I have a right to payment whether the bank has an issue with processing or not.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance ; {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX - XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$120.00XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting this formal complaint to the CFPB regarding several fraudulent accounts and inquiries that have been inaccurately reported on my credit report. Despite multiple attempts to resolve these issues directly with the credit bureaus, the inaccuracies persist. The fraudulent entries in question have significantly damaged my credit profile, causing undue stress and financial difficulties. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX ( XXXX inquiries ) XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry XXXX : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX These entries have no basis in my personal or financial history and clearly violate the Fair Credit Reporting Act ( 15 USC 1681 ). The presence of these fraudulent accounts and inquiries on my credit report not only defames my character but has also caused severe emotional distress and financial hardship. They have negatively impacted my ability to secure housing, credit, and other essential services. 

Legal Basis for Dispute : The following legal provisions have been violated : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and fairness in credit reporting.

Section 609 ( a ) ( 1 ) ( A ) : Right to dispute inaccurate information.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates clear, conspicuous, and accurate information reporting.

15 USC 1692c, 15 USC 1601, 15 USC 1602p, and 15 USC 168 : Protect consumers from unfair, deceptive, and abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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: Credit card or prepaid card

In spite of the fact that month by month I 've been lowering the balance on a particular credit card, the credit-card company charges me ( minimum paymen t ) more  and more each month. I tried calling them to ask them to reduce the minimum payments per month, but I got a run around and was told " It 's because the interest charged goes up each month. '' Yes, that 's true, but that along with any charges on my card is covered by each month 's minimum payment. They wo n't listen to me. Now, I am on a very low fixed income, and though some months I have had some extra earned income, the last few months that income has dropped to nearly  XXXX , thanks to the economy. My last payment to this card, on  XXXX / XXXX / 2017 , was {$200.00}. After paying that and other bills on  XXXX / XXXX / 2017 , I have almost nothing left to cover my food, medications, and other necessary expenses for  XXXX . I desperately need help in holding those payments to no more than $  XXXX /month for a while, less if possible. Can you act as an intermediate or ombudsman to help in this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen in XXXX XXXX last year, few weeks later I noticed a hard inquiry from XXXX for a credit card which I did not initiate. I sent proof to XXXX of the theft and police report and they agreed that this was fraudulent, they told me they would notify Equifax which they did. Equifax still has not removed the hard inquiry from my credit report. I have sent all supporting documents to Equifax via XXXX XXXX and I have not had this issue corrected.
Product: Mortgage

To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,
Product: Credit card or prepaid card

On XX/XX/2021, I opened a credit card account with Wells Fargo ( Active Cash ). As a condition of opening this account, I was eligible to receive a {$200.00} bonus if I spend {$1000.00} within the next three months. By XXXX, XXXX, 2021 I spend over {$2400.00}, I reached that objective, and called Wells Fargo By XXXX, 2021 to inquire about when I would receive the {$200.00} bonus. The customer service rep I spoke to said she did not know when I would receive the bonus but told me I should get an answer in the next ten days. This despite the fact that I had paid my bills with the account every single timeI been seen some unusual activity on the account I have closed it for about 2 times, unusual charges i have the suspicious that is simply because I achieved the goal to receive the {$200.00} bonus.