23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

they sent me an email staring in XXXX every XXXX u spend on gas you are supposed to get a XXXX once per month the email states once every month I spend my XXXX XXXX and I still don't have my credit on there yet this is reAlly ridiclous I tried to fight with this with Wells Fargo cooperate offices and no has any idea of whats going on with it and they are just making long time frames of how long it will take the email states once a month and they just making excuses on my 1st complaint XXXX XXXX XXXX closed out my case with the wrong information on an issue I wasn't even complaining about I am getting really upset and want my credits on there ASAP!!!!!
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told First home and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX  of dollars from the error that was made. Ive never been late and I believed first home. I have a top secret security clearance for work and First Jome reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to first home. First home can schedule the payments if they want assurance. First home knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many issues in my Equifax report. I have a re-inserted collections account from CREDIT MANAGEMENT XXXX XXXX - XXXX  for {$120.00}. They took off this account and put it back on. I have 29 Inquiries from sources I do not recognize that Ive disputed multiple times. More times than I can count. FTC forms have been provided and still no response or resolution. Im unable to upload documents online with Equifax in order to facilitate these disputes. They resort to stall tactics, I have to provide full identification as Ive already been doing. I already provide my ID, social, and still nothing. I have record of how many times Ive disputed with no word from Equifax. I also have late payments re-inserted from XXXX XXXX from XX/XX/2021 and XX/XX/2021. They took off the late payments and they put them back on. The account for XXXX XXXX  has never been late and should display as such. XXXX XXXX has late payments that should not be showing either.My complaint closed in 3 days with no changes. Nothing was changed, even though items were reinserted.
Product: Checking or savings account

My account was hacked by someone who charged around {$1400.00} to XXXX. I tried to dispute this with the bank on XX/XX/2018. I was told that the bank wouldn't do this that I had to contact XXXX to do it myself. So I spent 3 days on the phone with XXXX. Emailing, phone calls etc and finally on XX/XX/XXXX I was allowed to file a dispute. When I went in on the XXXX the teller made the comment that there were so many it was going to take forever to do and so I would just need to do it myself. I went to the main branch on the XXXX and was told that my provisional credit would be in my account within 48 hours after filing my dispute. Mind you I have done research and emailing and phone calling to prove this fraud. I have even provided the bank with all documents and access to my personal email to prove this. Right after I left the bank on the XXXX the VP from the other branch where they wouldn't file the dispute called me from her personal phone wanting to know what I was doing. I told her I just got done signing the dispute papers and she wanted to know with who and why. Truly it isn't any of her business but was weird that she called me right after I left the main branch. I have been calling and emailing the bank daily since this has happened wanting to know what is going on. At first they were talking with me and now no one will talk to me at all. When I call the moneyline number there is literally a note in my account to transfer my calls to this branch over here in XXXX and no one is to discuss this with me. They have been very rude and have made me feel very unvalued as a customer. I have done everything I can to help them and have cooperated fully with them and I am being treated like XXXX. They are ignoring me. Today marks the 10th day since my dispute and I have not received my money back or provisional credit at all. And no one will contact me back! This has caused horrible stress on me. I was told by the guy I spoke with on the moneyline and by a lady with the CFPB that the law is 10 days. I am filing this complaint because I do not know what else to do in this matter. I am very angry as would anyone else be. I am sure I am leaving details out but this sums it up. I do have a lawyer as XXXX XXXX XXXX XXXXXXXX so I know how to do my research. I have been researching and investigating myself into this matter on my end and providing the Midfirst Bank with plenty of evidence and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX Capital XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act Convergent All of these accounts have 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX 
ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$1300.00} 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We are requesting your assistance in obtaining our refund from Dovenmuehle Mortgage Inc. ( MI ) of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

Complaint : Dovenmuehle MI failed to comply with our request for refund of excess funds due back to us after closure of our mortgage loan with them. 

Background : In XX/XX/XXXX, we refinanced our VA guaranteed mortgage loan with Dovenmuehle MI ( loan # _____ ) to another mortgage company. 

On XXXX XX/XX/XXXX, we received a letter ( ID ____ ) from Dovenmuehle MI dated XXXX XX/XX/XXXX ( as attached ) stating that a refund check number ____ in the amount of $ XXXX dated XXXX XX/XX/XXXX is unclaimed. To claim this property per direction in the letter, we signed the bottom part of the letter, scanned, and immediately emailed to stated emailed address on XXXX XX/XX/XXXX. 

We emailed Dovenmuehle MI but without any response and called at least six ( 6 ) different times since we received their letter, but gave us run around to include someone to call us back, and lately, that they will cut a check which we should receive within 10 business days. Well that was over a month ago but did not receive any check or communication from Dovenmuehle MI. Dovenmuehle MI themselves have violated their own written promise in their letter, A new check will be issued and mailed within 10 business days of receipt of this properly signed document. 

Unpaid refunds after several years past the closure of any mortgage loan account is way overdue, unacceptable, and it should not be tolerated. We seriously question this practice of Dovenmuehle MI to remain in this Veterans Administration controlled mortgage program catered for veterans including myself. I hoped that fellow veterans and others will not experience the same heartbreaking issue with Dovenmuehle MI.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please see attached documentation for dates. 
1. Student loans paid off in full with XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX reached out regarding refund for any payments during COVID-19 hold on loans. 
3. Loan reinstated with no corresponding check or transfer of funds 4. Loan transferred to Mohela 5. Mohela is not responsive to queries regarding refund.

6. Mohela requests fraudulent loan to be paid and does not respond to phone or electronic contact of support.

Please see attached letter for a more clear description.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit Health.
Product: Student loan

I was told by XXXX that Id receive a refund of PSLF payments I made over the 120 required and that the Treasury would send the payment within 90 days. 90 days has well passed. I made 145 according to their payment counts, so I am expecting 25 overpayments to be refunded. I have contacted XXXX many times only to sit on hold for hours and then never get connected with anyone. I do have a letter from XXXX stating my payment counts are XXXX and that it will take up to 90 days for refunds to be processed. I sent a complaint on XX/XX/24 to the US Department of education asking for help and clarification on the status of my refund as I never received a refund and I have not received any response from my attempts at asking about the refund status from XXXX. The Department of Ed seem just as bad at responding as XXXX as I submitted the complaint on XX/XX/XXXX and an automatic email says they will respond in 30 and Ive received nothing. Ive been working in Public Service since XXXX so how Ive always been told Im in a wrong loan to qualify for PSLF but I finally consolidated into the correct program after being told for many years I cant qualify, and after 23 years of working Ive finally received forgiveness when I should have received after 10 years. This has caused undue stress for my whole working life and now I cant get answers on a refund that I very much should receive as I made 145 payments. 
I appreciate any help in getting answers and getting this resolved without any more excuses of Im in a wrong program, you consolidated after all the payments were made, your loan was discharged so you dont qualify etc ( all excuses Im hearing from others whove been seriously mislead by the Department of Education and the servicers.
Product: Credit reporting or other personal consumer reports

On my credit report XXXX XXXX had repprted my account as past due in XXXX of XXXX back in XXXX they told me i qualified for debt forgivness and told me i qualied for hardship and forgave my debt. Than a year latter they come back trying to report to my credit buro.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting 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. 
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  have 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
e.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/year>, my USAA Federal Savings Bank account was closed without warning after fraudulent charges were made on my account. I immediately filed disputes for the unauthorized transactions, which totaled over {$5000.00}. USAA accepted the disputes and credited the funds back to my account, acknowledging that the transactions were fraudulent. 

However, shortly after, USAA unexpectedly closed my account and began holding the credited funds, totaling over {$5000.00}. Despite repeated requests, I have been locked out of my account and am unable to access or even view my account status. I have asked for access to my account until the funds are released or for a check to be sent, but USAA has not granted either request. 

Their failure to release my funds has caused me significant financial hardship. I run a business and have been unable to access the capital needed to maintain my operations. This has resulted in lost business opportunities, significant delays, and potential damage to my reputation. Ive had no choice but to consult an attorney regarding my legal options, and I am now preparing to file a lawsuit against USAA for the damages theyve caused due to their unfair practices. 

To date, USAA has not offered any resolution, and their refusal to communicate has compounded my financial losses. I am requesting immediate action from USAA to release my funds and provide a fair resolution to the hardship theyve caused me and my family. 

Actions taken : XX/XX/year> : Filed disputes for fraudulent transactions totaling over {$5000.00}. 
XX/XX/year> : USAA credited the funds but then closed my account without explanation. 
Multiple requests have been made for access to my account or to have a check sent, with no response from USAA. 
Consulted an attorney about pursuing legal action for lost business and financial hardship caused by USAAs practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect on items on my credit report. It has been over 30 days and I have yet to get any results or updates.
Product: Debt or credit management

I signed a contract with Derek Williams Law to represent me during my debt consolidation program. Derek Williams took {$7800.00} in fees upfront for this service. I received a letter from Derek Williams law at the end of XXXX 2024 stating that they were currently involved with a lawsuit from the FBI and 7 states and due to this they would have to terminate their services. 

Due to their breach of contract and inability to fulfill their contracted obligations I require the repayment of my fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX ; XXXX  ; XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XX/XX/2021 it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is
defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Money transfer, virtual currency, or money service

I had been using XXXX  to send funds to my wife. We both have accounts with Chase. The money that I had sent had not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off every credit card that I have except XXXX on my XXXX XXXX   and XXXX and transunion are steadly droppping my credit score instead of raising it. All payments were paid before due dates and I at one time had a credit score of XXXX and its dropped stedily since even with on time payments and paying off credit early. Called XXXX and they have no way to check into why is what the girl on the phone told me this morning. Their ID verification doesn't work we tried twice it wouldn't go past the loading phase. So she can't send me my up to date credit report. They can drop your credit at any time at their own disgression and we the consumer have no recourse.
Product: Credit card

I had identify theft where someone used my credit card and created fraudulent charges. The merchant solar reviews supplied information clearly showing that another individual made the fraudulent transactions with their name, phone number, and e-mail address. American Express refuses to issue credit and rebilled my account for fraudulent charges. I B ] refuse to pay these charges and American Express is highly incompetent and unethical they are damaging my credit report on a monthly basis. I have filed identity theft reports with the police, FTC, all ( 3 ) credit bureaus. I am also in the process of filing a civil lawsuit against American Express. I demand they correct all the negative reporting to all ( 3 ) credit bureaus and credit my accounts ( 2 ) in full!
Product: Credit reporting or other personal consumer reports

Someone opened a account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a XXXX credit line, there shipping address was XXXX XXXX XXXX XXXX XXXX XXXX I was able to cancel the card before it was used, the fraud division of Experian needed me to file a complaint to the FTC before they can remove this from my credit report
Product: Debt collection

A company by the name of Arstrat has been calling my in-laws inquiring about me and asking for my address and phone number. The number they called from is XXXX. After researching the name of the company, I discovered that it is a collection company that collects debt for XXXX XXXX. 

I did have a bill of {$5.00} from XXXX and it was paid in XX/XX/2019, which I have proof of as " patient paid '' in XXXX 's portal. However, my in-laws are now getting calls and they aren't even listed as contacts for any bill payments.