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

On XX/XX/2020 a letter was sent to Equifax requesting the removal of fraudulent activity. Per 605B of the FCRA, I submitted my personal ID, police report, identity theft form, and a certified signed affidavit and sent these documents via USPS certified mail. These documents were received by Equifax on XX/XX/2020. 

I received no response from Equifax dated 5 days later of them saying that they would look into this matter. 

Per the FCRA, they had 4 days to block the account in question. I did not receive any response from Equifax until XX/XX/2020 that stated that they WILL NOT block these accounts. But instead do an investigation. 

This is a violation of my rights, and I intend to seek legal action IF this account is not blocked per the law. 

I am requesting the CFPB investigate into this matter as Equifax has had many data leaks and while as the consumer, I am seeking to have this fraudulent account removed per the law, this is my legal right. However Equifax has chosen NOT to follow the law. 

Equifax, willfully breaks the law after documented proof and I intend to seek damages as their actions are damaging my reputation. 

Equifax has said they will investigate, for 30 days on a letter that was datedXX/XX/2020. While per the FCRA, this letter should have been sent to me within 5 days after receiving my dispute on XX/XX/2020. 

I intend to hold Equifax, and all parties involved liable.
Product: Student loan

My loans have been in repayment since graduation from XXXX XXXX University in XXXX 2008. Recently the company that manages XXXX of my private loans has been misallocating my payments. As a result, XXXX of these loans continually look like they are delinquent. As a result, I as well as my parents ( the cosigners ) receive a stream of emails and calls threatening my credit rating. We 've tried calling to straighten things out and every time they realize they 've made a mistake, but the error and the ensuing harassment keep happening. Please help.
Product: Debt collection

Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX  for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield & Associates sent a collection letter dated XX/XX/2021 in regards to an alleged debt. I sent a debt validation letter dated XX/XX/2021 via certified mail which they received on XX/XX/2021 asking for proof of debt validation documentation. FDCPA states that a debt collector MUST respond to a request for debt validation letter within 30 days from receipt of that letter. Wakefield has not responded to my request as of XX/XX/2021 which is well pass the 30 days allowed. Wakefield has reported this fraudulent account to my credit report, all 3 major credit bureau which puts them in violation of FDCPA and also reporting inaccurate information on my credit report which is in violation of my rights as a consumer. I have a right to ask for debt verification, and by LAW they must provide documentation proving the debt is mine, that i owe the debt, that i agreed to pay them the debt, and they have the right to collect the debt owed. If wakefield & Associates can not provide proof by law they can not report this debt to my credit report and must remove it immediately. Wakefield & Associates are in violation and I will be filing complaints against Wakefield & Associates with my state attorney general, the FTC, and disputes with all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting a late payment when they shouldnt be PER 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Hi I live in XXXX XXXX California and it's XX/XX/XXXX. 
So I had requested mortgage assistance from my bank, this was around XX/XX/XXXX, but I hadn't heard anything back from them. 
Then in the early morning on XX/XX/XXXX, I was coming in my front gate and saw a notice on top of the community mail box, it basically said my home was going to be possibly set to go to auction on XX/XX/XXXX, I freaked out and immediately called the bank and asked what was going on, I told them I had been waiting to hear back about assistance already, and I was told that if I re-submitted a request for assistance, then my account would be updated. So I did that, and then I got a notice on XX/XX/XXXX from the lender and mortgage servicer that they received my inquiry for assistance and are reviewing my account. 
Then on XX/XX/XXXX I got another letter from the mortgage company saying they confirmed my request for assistance and that it has been forwarded to loss mitigation for further review. 
Then in XXXX I get a notice of a foreclosure eviction from an investment company called XXXX XXXX XXXX, they claim to have bought my home at auction on XX/XX/XXXX, which I had been led to believe was cancelled. Iv been in my residence since XXXX that's almost 20 years, and I have been a loyal mortgaging customer of theirs. I have filed for XXXX XXXX as well and I will be looking for legal remedies If I must. I feel extremely upset and frustrated to say the least. This is my home, and my only home for the last almost 20 years. I feel that it's only right that they cancel and void the sale and reinstate my mortgage account with the missed payments deferred in an extension of the mortgage commitment because they told me my account was under review for loss mitigation. Also the amounts in my escrow and change of payment notice I received on XX/XX/XXXX XXXX compared to my original loan documents are way off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me
Product: Credit card or prepaid card

I made a payment for my XX/XX/2021 bill which was due on XX/XX/2021 on XX/XX/2021. They applied my XXXX payment to the XX/XX/2021 billing cycle, which I had already fulfilled that payment in XXXX. I was charged a late fee because of the of the way they posted my payment. I called and the man explained that I had made it on the last day of the billing cycle and that's why it showed that way and that he would reverse the late fee and he would take care of it. This morning I started getting late payment notices from them. I called again and after not being able to resolve it with the person who answered the phone, asked to speak to a manager. XXXX ( not sure how to spell ) told me that they would NOT change the payment to show that I had paid my XXXX payment AND that I needed to make another payment or they would charge me another late fee and my account would be in arrears. This is unacceptable. No where on the statement does it say that you can not make an early payment. I made my payment early, I have fulfilled my part of the agreement. I would like them to correct my account to show that I have made a payment.
Product: Debt collection

Bank of America I have left repetative messages today, throughout the day. Give a number : By a XXXX, to reach XXXX XXXX XXXX, ext XXXX Mountain central time : XXXX MCT. No one answers ever. goes into a general mail center. I have left my number each time? tells mt, XXXX must make contact before XX/XX/XXXX I believe he said to speak with this XXXX XXXX I am trying but I have appointments as well, MD check ups etc .... I am trying so hard. Tells me they are a debt collection service on message? This is a LOST card. I have been making pays on the {$1500.00} cash withdrawn when I had the card XX/XX/XXXX. ever since plus intrest. of {$75.00}? I believe they had said a XXXX time charge.? never really explained. I made a payment that has already cleared today of another {$85.00}. 


I need some help with these people. Please
Product: Debt collection

They are reporting this account was open in XXXX  the date of delinquency was over XXXX  years ago almost XXXX Ive asked it to be fixed and it hasnt they refuse to send me statements and they called my step mom and have her all my personal info
Product: Credit reporting or other personal consumer reports

I requested thrice for the student loan data related to XXXX XXXX be removed. I had an automatic approval via XXXX Vs XXXX on XX/XX/23 which was a letter provided to them. The settlement in this court order, also provided, advised that the account was to be completely discharged, all trade lines removed as if they never existed and including a full refund. The CRA have all stated that XXXX confirmed this account to be valid when it is in fact NOT. These items are detrimental to my financial wellbeing. The Department of Education has acknowledged to XXXX  via letter ( also attached ) that they missed their deadline and have began to blame servicers, leaving all qualified consumers in the middle.
Product: Debt collection

This is also has been charged off from the company and I didnt receive the proper paperwork to have this matter taken off the report As well as my personal information was leaked in several data breaches
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, opened an account on XX/XX/XXXX ( Account # : XXXX ) with XXXX XXXXXXXX XXXX I defaulted on this account, but later paid it in full after it went to charge off status. I am still disputing this account to be deleted from my credit report because there are multiple violations and inaccuracies, which violates multiple rights of mine. This account has hindered me from acquiring stable housing for me and my child, as well as a satisfactory quality of life for us. I would like for the credit bureaus to remove this account from all of my credit profiles due to the multiple pieces of wrong information and violations I have found. I have reached out to the creditor directly and they continuously urge me to reach out the the bureaus to have this removed, which I have done as well on XX/XX/XXXX. Please see attached the letter I have sent to the creditor and he credit bureaus. I am reaching out to the CFPB because I have received the run around from them for some time regarding this account and if they are not held accountable for violating my rights and reporting multiple inaccuracies, I will be taking them to court. 

Thank you so much for your time
Product: Bank account or service

My XXXX has seen an increased surge in business over the last 6 month, I am a one man show / XXXX. My company has existed for almost 11 years doing $ XXXX+ annual in sales. Due to increased sales i have hit a production limit and been unable to complete transactions in a timely manner ( typical is 3 days, current is 3 weeks, My fault ), However Paypal has decided that I have issued to many refunds ( not chargebacks, standard refunds amicably done between my customers and me ) and have therefor suspended and closed my account and are holding near $ XXXXUSD hostage. They will graciously allow me to process payments for which they will collect and charge thier fees for but will hold ALL FUNDS for 180 days with XXXX release, effectively forcing me to either close down or finance my business for 6 months via other means while they hold my money and charge me fees on it. This is completely unacceptable and I am pleading for help to have my funds released back to my care. I do not want to save relations with them or utilize their services, I simply want MY money back. please help
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I previously submitted a dispute on XXXX XXXX XXXX, regarding JP Morgan Chases handling of a check deposit, but the banks response falsely claimed that I had not filed a claim. I have since filed a formal dispute, yet Chase continues to deny accountability and refuses to provide the requested call recording. On XXXX XXXX XXXX, I deposited a check for {$1200.00} via mobile deposit. The check cleared the next day ( XX/XX/XXXX ), and I called Chase to confirm that the funds were fully available and would not be reversed. The Chase customer agent explicitly assured me that the check was valid, cleared, and would not be removed from my account. Given this confirmation, I proceeded with three XXXX payments totaling {$1200.00} ( {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$250.00} on XX/XX/XXXX ). However, on XX/XX/XXXX, Chase reversed the check deposit, citing that they were unable to accept itdespite their prior verbal confirmation that the funds were secure. As a result, I suffered a financial loss of {$1200.00}. Chase has refused to reimburse me, even though their agent provided misleading assurances that directly influenced my decision to proceed with the transactions. I also filed a complaint with Zelle, but they directed me back to Chase, as the payments were made through my Chase account. Chases claims department stated that because I authorized the Zelle payments, I need to speak with a different department responsible for check clearances, further deflecting responsibility. I relied on Chases verbal confirmation that the check was legitimate and that the funds would not be reversed. This conversation should be recorded, yet Chase refuses to provide access to the call. I am seeking reimbursement for my {$1200.00} loss, as this was a direct result of misinformation from Chase representatives. I request that the Consumer Financial Protection Bureau review this matter and hold Chase accountable for misleading financial guidance that led to my financial loss.
Product: Credit card or prepaid card

I received my XX/XX/XXXX statement from American Express and paid the balance of {$7300.00} in full and on time. I opened my XX/XX/XXXX statement expecting to see a XXXX balance - instead, there was an interest charge of {$60.00}!! I had made no additional purchases, which was confirmed on the statement. I called American Express XX/XX/XXXX and inquired how could I be charged interest on a XXXX  balance? The CSR stated it was trailing interest and I would be charged a late fee if not paid. I specifically asked if I would receive a statement with a XXXX balance and I was told yes, and I mailed the payment, on time. Today is XXXX-19 and I have not received a XXXX balance statement. First of all, I can not believe it is legal to charge interest on a XXXX balance. Secondly, American Express has habitually failed to mail my statements and I have called multiple times over the past 2 years having to request statements. I don't believe American Express is operating in good faith. It seems to me they are deceptive charging interest on a XXXX  balance AND they don't mail statements - which may be to generate late fees. I'm sure collectively, I have spent hours on the phone to request statements. By the way, I never made a late payment, ever.
Product: Student loan

I applied for XXXX XXXX XXXX loan forgiveness per the XXXX XXXX XXXXXXXX settlement and am a full class member. I received a letter in XX/XX/2023 confirming that my loans will be discharged. As a full class member, I am expecting a refund for payments made to my loan servicers. However, my letter lacked mention of an amount to expect. I received a partial refund, but am unable to confirm if anymore is owed to me or how much. 

After the settlement deadline in 2023, EdFinancial, one of my loan servicers, had a prompt on their website about migrating to a new user portal and that users would need to create a new account on the new portal. Prior to this, I could log in and see my payment and loan history. However, after EdFinancial migrated systems, I was never notified to create a new account ( which their notice mentioned would happen ) and I have been unable to create a new account. I have emailed, chatted, and called support regarding this multiple times. My concerns are usually ignored and I have only been confirmed that my loans have been discharged. When I ask about viewing my account activity or history or ask about my refund, I have either been told to reach out to the Department of Educaton ( who has told me to reach out to EdFinancial ), I get the run around, or those concerns are completely ignored. 

Earlier this week, I called customer support again to ask about accessing this information. However, I was told I have no account with EdFinancial, suggesting I have no records to view. I asked the support person to email me what we discussed over the phone so that I could document our conversation and confirmation that I have no account, but was denied. The support person said they can not do that since I don't have an account. All I have are a couple of emails with support regarding my concerns to document my attempts to reach out for help. I don't have phone calls recorded or chat transcripts. 

My concern is with my ability to hold the Department of Education and/or the US Treasury and EdFincancial accountable to the refund I am owed per the XXXX XXXX XXXX settlement . Since I don't have access to this information, I don't know what or how much I am owed.
Product: Checking or savings account

I filled out the report on XXXX that my report number is XXXX on XX/XX/XXXX. I called the dispute XXXX at XXXX XXXXXXXX XXXX and gave my report number to him. Since XX/XX/XXXX, They have not been helping me recover the fund I transferred. 
On XX/XX/XXXX, I transferred a wire to XXXX XXXX XXXX XXXX XXXX through JPMORGAN Chase Bank. The scammers Account number XXXX and Routing number XXXX. XXXX XXXX XXXX XXXXXXXX. 

I was looking for a XXXX with XXXX or XXXX seats on XXXX XXXX and chatted XXXX XXXX. She replied, she posted the ad minivan for her cousin, all she knew the price is {$12000.00}. If I am interested, please contact XXXX XXXX at XXXX. I emailed her that I was interested in buying a XXXX XXXX XXXX XXXX. She replied, she preferred to sell this minivan at the XXXX XXXX and XXXX in XXXX TN. The Customer Service emailed me the purchase agreement and a payment invoice. They shipped XXXX XXXX XXXX XXXX to my house on XX/XX/XXXX, but I havent gotten a new XXXX.
Product: Mortgage

Chase purchased my mortgage on the XXXXXXXX XXXX but didn't bother to get insurance information. The insurance was about to expire and I was notified the evening of the date of expiration of the insurance, that they hadn't paid it from escrow. I spent 3 hours rectifying the situation and paying the insurance myself. I decide at that time that I would then escrow myself and pay the taxes and insurance. They never communicated this to escrow as I haven't received a revised mortgage payment nor the return of rescue. They said they paid the taxes after I said I would. I sent them a copy of the the tax bill on line showing it wasn't paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX DE XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX 2017