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

I pulled my credit report from Experian and an unauthorized account from XXXX XXXX  XXXX reporting in the amount of XXXX. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. EXPERIAN has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting EXPERIAN regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, Experian did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open an account with Swiss Colony two years ago and the present. I called and asked why I was turned down. They said, it was because of an account in the year 2000 and it was placed with a third party. I explained to them that I didn't remember an account back then and was not contacted by a third party. This was 19 years ago. I have several accounts that Swiss Colony is grouped with and are paid on time. For some reason, Swiss Colony keeps turning me down. Something doesn't sound right about this. And I'd like to know why do they go back to something that was 19 years ago?
Product: Credit reporting or other personal consumer reports

I asked for documentation an the forward flow agreement an a wet signature, an I didnt get any of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that aren't mine. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the XXXX XXXX  on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. XXXX, XXXX and TransUnion records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

2. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called CREDIT CONTROL LLC. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX  and they were taking $ XXXXon the XXXX of each month i made 3 payments then i get this letter from XXXX XXXX XXXX who says i owe {$1800.00} i have disputed this many times sent the documents
Product: Credit card

I received a letter dated XX/XX/XXXX from CHASE requesting additional documentation to complete an application for a CHASE Freedom Flex World Elite Credit Card. I DID NOT submit an application for a card and thus did not provide the requested documentation ( driver 's license, current billing address proof ) Per CHASE The XX/XX/XXXX application was denied. However, a card was issued per CHASE representative after the imposter submitted a second on-line application on XX/XX/XXXX using my personal information that was on the first application that had been previously denied but this time CHASE automatically system approved the request for a credit card. I have subsequently closed the account and updated my credit reports but CHASE should have NEVER issued a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer who's aware there are inaccuracies being furnished on their consumer report, please review my attachments to see my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine 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 public record not mine US BKPT CT XXXX XXXX
Product: Checking or savings account

I hope this message finds you well. I am writing to formally address a troubling issue regarding a fraudulent transaction on my account and the subsequent handling of my case. 

On the evening of XX/XX/year>, a transaction of {$190.00} was processed as a debit card purchase. I immediately contacted KeyBank and was informed that until the transaction fully processed, no action could be taken. 

The next morning, XX/XX/XXXX, the transaction was completed as a check. The representative noted this was unusual and indicated that the original transaction had been canceled and processed again as a check. I explained that neither transaction was authorized, and the agent agreed to flag it as fraud and issued me a new debit card. 

On XX/XX/XXXX, I reached out again, concerned that the funds had not been returned to my account, and my balance remained negative, now incurring NTF fees. The representative explained that while a new debit card had been issued, outgoing charges had not been halted due to automatic payments being processed. He assured me he would rectify this error and asked for my mailing address for the new card. 

I inquired about the difference in procedures for debit versus credit cards, as federal regulations require credit cards to be sent to a physical address rather than a XXXX XXXX XXXX By this time, my case had been under investigation for nearly four days. 

I later noticed a provisional credit posted to my account ; however, upon review, it did not impact my balance. Despite my notification of fraud, the bank allowed the transactions to process. Additional provisional credits appeared on XX/XX/XXXX ( {$66.00} ), XX/XX/XXXX, XX/XX/XXXX, and deductions occurred on XX/XX/XXXX, further complicating my account status. 

Most recently, on XX/XX/XXXX, I received a credit from the merchant involved in the fraudulent charge. However, on XX/XX/XXXX, I was informed that I was being charged for this credit, despite it being for a fraudulent transaction that I did not authorize. I was assured on XX/XX/XXXX that the funds would not be deducted from my account due to the ongoing investigation. 

Given the lack of resolution and clarity regarding these transactions, I request a thorough review of my case and a prompt refund of the unauthorized charges. I believe the initial representative did not adequately address my concerns, resulting in continued confusion and financial strain. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Unhappy KeyBank Customer
Product: Credit reporting or other personal consumer reports

I am aware that you will help in correcting the negative reporting on this account which is reporting inaccurate information. This companies action are causing statutory damages to my credit report and preventing me from acquiring shelter for my children. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CBE Group called 10 times in as many days. Only once was there a person on the line, all other times there was no one there. The one person I spoke to wanted confidential personal information from me ( SSN ) and I refused. When I finally tired of the repeated calls, I called back. Again I was asked for my SSN, and again I refused, which got me transferred to a human. That person asked me to verify an address that was not mine, then asked me to verify the last four digits of my SSN which were again not mine. They then said they had the wrong person. CBE Groups inability to correctly identify their debtors gives them no right to call me daily and ask for confidential personal information. They also made me concerned that my identity had been stolen. My phone number is on the federaldo not call list and I have no business relationship with CBE Group, making their repeated calls to me illegal. CBE Group needs to be held accountable for their illegal harassment.
Product: Credit reporting

For some reason Experian always hinders my credit score. My score with XXXX is XXXX as of XXXX/XXXX/2016. I was talking with XXXX Bank and they reported a XXXX score by Experian.That is XXXX points less. This happens with a regular basis and consistently holds back minorities ability to purchase a home.Consumer Financial Protection needs to look into why is there such a discrepancy.
Product: Debt collection

Some debt collectors harassed my disturbed peace by calling my number and ask for someone to speak. I suspect that they are getting or collecting insider information from cfpb reference number XXXX. I am not at liberty to tell my findings on the murder for hire or retaliatory punishment ring which is getting check from US government, states or companies against the rules and regulations of the OMB. As a matter of fact, I am not submitting this complaint against cfpb., but I am not afraid to speak up. You know what I mean?
Product: Debt collection

Disputed the collection and ask the company to provide any information to prove its me the person who obtained the credit card like me holding ID to prove its me who applied for the credit card or through third parties who identified the person and since then they ask for police report which I told them I dont have one since the u received over 25 different numbers from them and some of those I was in meetings and cause me aggravation and Disturb
Product: Mortgage

we have our loan serviced with Shellpoint Mortgage. 

I am emailing today as we are protected under a US natural disaster & to have the legal fee of {$2100.00} Removed from our account. 

How it got there? We were in agreement with Shellpoint to make a large payment to catch our account up. I called in to make the payment with an account that I had a checking account number, a routing account number & a visa debit card. 
I called in & made the payment. 

The next day XXXX XXXX devastated my area. Our power, internet & cell service were out for a week. 
We lost all contact with the outside world. 
When we finally got power back - I logged into my bank account & saw the money was still in my account. 
I immediately called Shellpoint- to which they let me know the money did not go thru it does not accept the bank that I used & they have proceeded with foreclosure. 

I immediately escalated the situation & paid using a different bank account. They allowed this but stated they would have the fee on my account for the life of the loan. 

I hope you can see how this situation was out of my hands & forgive the fee in the amount of {$2100.00} Off of our account. This fee blocks us from making additional payments towards our loan. 

In addition to this the company requires additional wind insurance on our loan in addition to the XXXX insurance coverages we already have on our loan. 
In research I can see that for years Shellpoint has had many lawsuits over this wind insurance fraud & we would like it removed. We pay hundreds of additional dollars for this wind insurance Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

Today, XX/XX//25, I paid the remaining " fees for ownership '' to this company, completing what they believe I owe them. 

To be clear, I'm no longer making payments because I gave them the money they asked for. 

But I feel this was a scam, and would like help to get money back from them. 

I don't know the exact numbers as I write this now, but the ballpark is that I was expecting to pay about {$750.00} for tires and ended up paying nearly {$1800.00}. 

When I spoke with them today, XX/XX/25, about this massive difference in what I was expecting to pay vs. what I ended up paying they said it was because I didn't understand the terms of the contract. 

I researched about Usery Laws and thought they were certainly breaking them, but they said that they were protected because instead of charging " interest '', they were charging " leasing fees ''. 

They believe they are protected, but I am looking for help as this is clearly scapegoating the intention of the Usery Law that protects consumers. 

This apparently enables them to collect much more than would otherwise be permitted by law. 

I offered that we settle with a win-win situation, where they could charge me 20 % interest, still make a profit, and they could return the difference of what I had already paid as that would be fair. They were firm that I should pay over 100 % of the value that was financed, so I did, and am now looking for help to fight back. 

I'm looking for help to get money back from them and get them shut down to protect others. 

I believe this practice is a scam and should not be permitted so everyday people are protected and more agencies similar to this do not survive, expand, or expand in numbers. 

I saw that others have also submitted complaints against them using the CFPB, and that they were able to recover money using the help of the CFPB, and I'm hoping for the same result. 

Thank you. 

P.S. I'm writing this after seeing the next steps where you asked for my loan number. I went to their website and now they are saying I have no open loan and no closed loans. I can provide the payment history from my bank account, if needed. I have the confirmation emails from my payments as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitting this complaint against EXPERIAN there is no third party involved. EXPERIAN dBA ' EXPERiAN INFORMATION 'SOLTIONS INC , has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND EXPERIAN TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. EXPERIAN is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which EXPERIAN failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Student loan

I have been working in a XXXX XXXX for the last 9 years. My loan was sold from XXXX XXXX to Navient in XX/XX/XXXX. I was under the impression from Navient, starting in XX/XX/XXXX that I was making payments under the IBR ( Income Based Repayment ) plan, and these payments would go towards the Loan Forgiveness program for being employees through a XXXX XXXX  that is in a high risk community. They assured me and provided a spread sheet showing IBR payments and tallying how many towards the 120 payments that were required. Then,XX/XX/XXXX, I filled out the government form to track how many payments were left, since I made about 96 payments, so I could have my loan forgiven and I was told that there was no record of my payments, and I was supposed to consolidate with XXXX XXXX even though Navient miss lead me stating that it was consolidated. I consolidated with XXXX, and now Navient is stating that they have no record of any payments made to them, and that I never had an IBR set up. Every year, I filled out the reapplication, sent tax information, etc. to Navient, thinking I was doing what I was supposed to do.
Product: Mortgage

This is a complaint of the timeline provided to close our assumable VA loan. 

Our home has had multiple purchase offers but under the condition that the loan is assumable. Mr.Cooper estimated 4-6 months to close on a third party assuming our loan. 

These timelines are absolutely ridiculous. All of our home 's purchase offers with the stipulation of an assumable loan have backed out. This is a direct result of the outlandish time needed when the average home closes within 30 days. 

Our Realtor has recorded of who she spoke with at Mr.Cooper, XXXX XXXX XXXX on XX/XX/XXXX between XXXX XXXX
Product: Mortgage

On XX/XX/XXXXcalled into Vanderbilt to see why they refused to report my account is current and was current in XX/XX/XXXX and still the company has yet to report XX/XX/XXXX its making my credit score go down its unfair and they seem to not care and are very rude I also can provide recordings of the phone Call
Product: Credit reporting or other personal consumer reports

The information attached to this complaint is identified as identity theft and is not relatable to any transactions made by me. I am a victim of identity theft and did not make these charges I am requesting you block and delete the information my request is not made in error nor is my request is a result of misrepresentation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect cons
Product: Mortgage

My home is being foreclosure on with a robo signed assignment. The loan was acquired by XXXX XXXX, and it was one the loan that was apart of the XXXX XXXX settlement with the Department of Justices. The assignment was created XX/XX/XXXX and the cutoff date for the trust filed with the U.S .SEC was in XX/XX/XXXX. The agreement said it had to conveyed 90 days befor the cut off date. This assignment was conveyed 5 year after the cut off date in section 201 of the pooling and Service agreement. I mailed both XXXX XXXX XXXX XXXX, and Bayview Loan a QWR / Proof of Claim request. I also asked that the loan be restructured with a lower rate, so my payment will be affordable
Product: Debt collection

an account was added to my credit report w by a debt collection agency that i never even had original name XXXX from XX/XX/XXXX which i never even had an account with this bank i closed all of my credit cards in XX/XX/XXXX the company is Portfolio recovery and they keep changing the dates regularly every 6 to 8 months and under the credit reporting act in california after 3 years they are to be removed and that is why they change the dates regularly and a second company XXXX XXXX  is also doing exactly the same thing because neither one of these companies are located in california