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

I have a XXXX card through Comenity and the sole reason for having the card is for rewards. They had issues 3 months ago with their website being down and cards not being able to be used. Now, I have not received any rewards for over 3 months ( last date was XX/XX/2022 ). The sole purpose of having this car dis for the rewards and they are not delivering for a ridiculous, extended amount of time. Many people are having the issue with their vast array of cards getting rewards, a simple XXXX  search shows this frustration.
Product: Credit card

Dispute Regarding Improper Reporting and Statute of Limitations Violation by Wells Fargo Bank, N.A. ( WFBNA ) To Whom It May Concern, I am writing to formally dispute inaccurate and improper reporting by Wells Fargo Bank, N.A. ( WFBNA ) on my credit report. Additionally, I believe WFBNA has violated the statute of limitations applicable to this account. I am requesting Heres a properly formatted letter based on the information you provided. Please ensure all details are accurate and complete before sending : Dispute Regarding Improper Reporting and Statute of Limitations Violation by Wells Fargo Bank, N.A. ( WFBNA ) To Whom It May Concern, I am writing to formally dispute inaccurate and improper reporting by Wells Fargo Bank, N.A. ( WFBNA ) on my credit report. Additionally, I believe WFBNA has violated the statute of limitations applicable to this account. I am requesting that the CFPB investigate this matter and ensure that WFBNA corrects its reporting and complies with all applicable laws.

**Account Information : ** - Creditor Name : Wells Fargo Bank , N.A . ( WFBNA ) - Account Number : - Statute of Limitations Expiration Details of the Dispute 1. Improper Reporting : WFBNA is reporting inaccurate information regarding this account on my credit report. Specifically, improper reporting charge off written off and still carries a balance. Debt is not mine. This inaccurate reporting is harming my creditworthiness and ability to obtain credit.

2. Violation of Statute of Limitations : The statute of limitations for this account has expired Under New Jersey state law, the statute of limitations for this type of debt is over 6 years and reporting inaccuracies Despite this, WFBNA continues to report this account and/or pursue collection activities, which is a violation of the law.

- Any correspondence with WFBNA or its representatives regarding this account.

**Requested Actions : ** 1. Investigate WFBNAs reporting practices and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

2. Require WFBNA to correct or remove the inaccurate information from my credit report.

3. Ensure WFBNA ceases all collection activities and reporting on this account, as the statute of limitations has expired.

Please acknowledge receipt of this dispute and provide updates on the status of your investigation. I expect a resolution to this matter as soon as possible.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I called Navient customer service in XXXX regarding extending my covid forbearance and was told by the company 's representatives that they were no longer offering covid forebearance. I called back and was told that in fact they were, but were told to push borrowers toward interest only payments. I was unemployed at the time. In addition, the covid forebearance broke my consistent payment record, resetting my ability to qualify for cosigner release after multiple years of on time payments. Despite applying multiple times for cosigner release, I was also denied because my credit to debt ratio is too which, largely because of the loan in question. I've consistently received bad information from navient, been unable to change the terms of the repayment of my private loan regardless of my financial circumstances, and still owe close to the original amount borrowed despite a decade of on time payments, covid forbearance notwithstanding. I'm not sure if I qualify for the settlement that was just agreed upon but definitely fell victim to predatory lending practices in 2008 when I took the loan out to pay for a for profit college with low graduation rates. Navient is a predatory company and the loan I took out almost 15 years ago still keeps me from being able to afford to buy a house, and is a significant financial burden.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( XXXX  ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

Experian failed to respond within 15 days to CFPB. XXXX This claim number is proof CFPB allowed Experian to respond after the 15 day response period. This is in violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone from XXXX XXXX of XXXX opened an account with credit acceptance without my knowledge and made a whole new contract that I did not sign or see. This matter has been settled in court and credit acceptance has been reporting this fraudulent debt since XXXX on my credit report.
Product: Checking or savings account

Hi XXXX, account and XXXX was charged off in 2022 with a negative balance of {$930.00} I was released and I disputed this because my account was over XXXX when XXXX XXXX XXXX XXXX  prior during the investigation, it was necessary to provide me provisional credit seeing his house account was closed provisional credit was mailed in check # XXXX {$650.00} # XXXX {$650.00} # XXXX {$1100.00} And the credits these are the credits that were processing to get check numbers when I called and got the original check numbers {$1700.00} {$1000.00} {$660.00} {$270.00} {$930.00} The Checks that were told to me that they were mailed and cashed and then I was told that they were never mailed and then I was told that they were mailed and canceled. The only way for me to access updates on these cases Wash 2 call Chase because for some reason their policy requires them to message me through their secure message center which they clearly know I cant access because I have a charged off account and my access has been intentionally blocked even after informing them they still continue to provide Sensitive information like the day to the checks I even asked if they could just combine it in one to make it simpler, they refused. I have been in contact with Chase for over a month getting information every day the most recent being today I have took detailed notes of todays conversation with dates and times as well as employee ID numbers at three XX/XX/XXXX XXXX ID number XXXX as well as agent number XXXX as well as five members from the claims department who refused to give me their numbers told me four stories about the checks ranging from they didnt exist to them, all of which I am not sure of, except that in fact, they do exist. I have provided Chase with more than enough information they have approved denied approved, denied and reverse this decision way too many times. It is clear that XXXX XXXX XXXX XXXX and someone access my account rather than spend the energy trying to figure out who they are trying to hold me liable. Please help me.
Product: Debt collection

Resurgent Capital has never validated the debt they claim against me. It has been over a year of me asking to prove the debt is valid. They have sold the debt after it was removed from my credit for them never being able to validate it, yet buy it back from one of the multiple smaller firms they own. ( They are the parent ) they have had it in a loop of their own companies to keep it active when disputes proved they must legally drop it. I have no documents from them even after 9 individual requests, and many disputes. This is 100 % illegal, and they use the grey area of selling it off to one of their own smaller companies to keep the stain alive. Im getting calls from 6-8 different companies on the debt they claim is mine. All companies are working with resurgent in a ring so the moment you dispute they sell the debt back and forth. This is entirely illegal, and needs to be off my credit and others credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had Discover Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the Discover and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and XXXX XXXX and XXXX did not update my account correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

45 days past and have not heard from equifax concerning inquiries i have certified mail receipt confirmation i have inquires i do not recognize and did not apply for i have asked for a signed contract with signature for these inquires and no response i called an rep name  XXXX  stated they do not remove inquiries Inquires below   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Bank account or service

A bank fraud was committed on XXXX XXXX around XXXX that wiped out {$710.00} from our checking account. An SMS message was sent by Chase 's automated fraud protection at that exact moment and we immediately responded that we did not process a money transfer. Out of concern, we contacted them by phone immediately. They supposedly put some sort of bank hold on the account. 
The next morning, we went into the Chase branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX to close and re-open new bank accounts. A bank officer named XXXX XXXX had us fill out paperwork ( see attachment ) and told us that our monies would be returned in 2 days max. No provisional credit was offered. 
This is where everything went wrong. 
XXXX - No money received from bank. This is 6 days later after reporting the fraud. XXXX re-faxed paperwork and said they would expedite payment. 
XXXX - No money received from bank. XXXX passed us to a different officer name XXXX XXXX. XXXX made phone calls and told us that at a certain Chase division had not received any faxes from their branch. It was re-faxed a third time and XXXX confirmed the receiving of the paperwork and assured a quick resolution. 
XXXX - No money received from bank. XXXX stated that we would have our money by the end of the day. 
XXXX - No money received from bank. XXXX seemed cooperative and determined to get our money, but again nothing happened. 

XXXX - No money received from bank. It is now 13 days since the bank fraud wiped our account. No apologies. No provisional credits. XXXX spoke with a different Chase Dept. who now tells her we would need to wait another 3-5 days for monies to be placed back into our account. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I XXXX have a vast knowledge on internet security and best practices for protecting my accounts. I am not certain how this fraud occurred and Chase Security has n't been forward coming on their information. 
All I know is that Chase was informed of the fraud within the hour of it occurring. Based on my immediate notification of the fraud, Federal Regulation E Section 205.11 states that I should have received my monies within 10 days. This has not happened. 
My time is valuable, and I have now lost more money battling for my funds than anyone should have to endure. 
Chase Bank 's Quick Pay system is to blame for this unauthorized EFT. A feature I have never used and works by sending an email to anyone you want to transfer money to. Obviously, this system is flawed and allows a non-chase bank account holder to quickly receive funds and then close their temporary bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have requested for several years for XXXX to correct long standing errors on my personal credit profile relating to my bank of America credit card. XXXX has refused to do anything at all. I have filed a requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a bank of America credit card since XX/XX/XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. XXXX   refuses to acknowledge the account. I have written, I have called so many times its ridiculous. I have escalated the issue to supervisors and today to a person named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XX/XX/XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had Bank of America use and XX/XX/XXXX verification process. So I called again. Bank of America has no idea what XX/XX/XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help XXXX make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both XXXX and B of A multiple times. At least B of A tries to do something. Unfortunately nothing has worked Bank of America Made yet another request for XXXX to update and report the account. They tried a couple of weeks ago. I received a letter from B of A dated XX/XX/XXXX stating that XXXX would not update they account because they say the account has been off my credit report for 7 years. So again I call XXXX and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. 

I called Bank of America again today and they have again requested XXXX   update the information to be accurate and correct. XXXX so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I have spent months, years and hours upon hours trying to help them fix their own problem and errors. I think it may just be time to be litigious.
Product: Student loan

I received a letter from XXXX stating that my loans were being transferred to FedLoan Servicing because I qualified for PSLF. On XXXX XXXX I received a letter from FedLoan stating that my previous employment had been approved and that I was in a qualifying repayment plan. I was told they would track how many remaining payments I had to satisfy the 120 payments needed for forgiveness. After my account continuously said 0 qualifying payments, I contacted FedLoans to inquire. The customer service representative stated that I had made several late payments outside of the 15 day grace period. I told her this was inaccurate because I had always been on automatic deductions since I started repayment of my federal loans. I was told in XXXX XXXX that it would take 90 days for the information from XXXX to be in their system. After speaking with them on XXXX XXXX, XXXX I was told that they would have to re review it and it would be another 60 days. The customer service rep said that she was not qualified to review my file. This contradicts what I was told in XXXX XXXX when I was told that everything was approved.
Product: Mortgage

I recently filed a complaint on XX/XX/19 with the CFPB ( complaint # XXXX ) which has been closed. I have attached a copy of my original complaint for your review. I do not consider this matter closed as the response from the company is not valid. To make a long story short, Rushmore Loan Management Services has refused to pay an incentive which was offered to me for completion of the Deed in Lieu process ( additional details can be found in my original complaint ).

The response provided by Rushmore 's loss mitigation department was simply that it was a requirement of the offer that the house must be left in " broom swept clean '' condition. As part of my original complaint, I attached an email from my loss mitigation representative, which addressed this very matter before the process was completed. Upon receipt of the offer, I was concerned with this issue because I did not have the financial resources to clean the house. As you will see, she assures me that the offer is a " generic '' letter and that the investor has already agreed to accept the house " as-is '' and the condition of the home will not affect my ability to receive the incentive. She stated that the property had already been secured and this would not be an issue. I have again attached a copy of this email for your review. 

This process cost me time and money. Not only did I miss days at work to deal with issues at this property over the 6 years the banks dragged their feet even thinking about getting the title out of my name ; I also had to pay an attorney to review the paperwork they wanted me to sign. Given that I had already been through a bankruptcy, I had no financial reason to follow through with a deed in lieu. I simply wanted this to be over and was counting on these funds to make up for some of the financial burden I had incurred over the past 6 years. 

The practice of offering incentives to individuals that are obviously having financial difficulties and then attempting to create a " loophole '' not to pay them is clearly an " unfair and deceptive '' act or practice which falls under the scope of UDAAP. Rushmore should be held responsible for this practice.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to follow up you about my issue of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX 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 XXXXXXXX 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 XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, AZ XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Debt collection

Under 15 U.S. Code 1681a ( 4 ), I, as a consumer, have the right to privacy, and it is imperative that this bankruptcy entry is removed from my consumer report. Failure to do so will compel me to seek financial compensation through the small claims court in my city and state.
Product: Debt collection

Resurgent  repeatedly sends us collections notice for an account that was never in collections and paid in full. We had an account with XXXX back in 2018. The last bill be were invoiced and paid in full is dated XX/XX/2018 in the amount of {$190.00}. We paid this bill via direct ACH payment as we always had and received a paid receipt from XXXX via email. Out of the blue, Resurgent started sending collections notices last year where we repeatedly provided evidence the invoice had been paid- we provided a paid receipt from XXXX XXXX a copy of the invoice, and a copy of our bank statement showing this amount was paid in full. Resurgent continues to ignore the evidence provided and harasses us daily- calling, mail, and threatening to destroy our EXCELLENT credit. We would like them to be contacted and investigated for fraudulently trying to get us to pay money that is not due.