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

Trans Union Credit Bureau Numerous Inquiries XXXXXXXX XXXX XXXX Numerous Inquiries XXXXXXXX XXXX XXXX Numerous Inquiries Had a lot of data breach letters in the mail in the last year statinbg my information was compromised from health insurance to medical drs. 

Multiple attempts to pull my credit from the same place have been noticed on my report and all ingquiries should be removed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX XXXX dollars at the ATM closest to my house, the ATM counted my money and did not show me the amount on the screen, so I thought something was wrong. I made the claim and the bank told me today that they are not going to pay my money.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX This company is constantly reporting inaccurate information on all 3 credit bureaus. One bureau says open one say debt buyer then another has payment history with a report of 120 day late payment. Balance keeps going up and down. Which it should not, I have never made a payment to this company or have an open account. After pointing this information out. XXXX, XXXX and XXXX is saying information is accurate. Causing my score to drop. I do not that an contract with this company. The credit bureaus are allowing them to play on my report with constant inaccuracies and no consequences. After i pointed these thing out they should have been removed not verified and updated with more inaccuracies. I want this company removed from my credit report and XXXX, XXXX and XXXX to stop letting this company violate my rights. This is a violation i will pursue legal action next.
Product: Student loan

I went to XXXX XXXX in XXXX New Mexico from XX/XX/XXXX - XX/XX/XXXX. While I was there I earned degrees in XXXX, and my XXXX. XXXX a year I would go in and sign paperwork for my upcoming loans. Never was I given information regarding the interest on the loans, or how much my monthly payments would be. By the time I finished school I had over {$100000.00} in student loan debt principal and another ~ {$50000.00} in interest. Now I pay so much money I ca n't buy a car or a house.
Product: Credit reporting or other personal consumer reports

This complaint is to address a grave issue regarding the erroneous reporting of a bankruptcy on my credit report by the Credit Reporting Agency ( CRA ). Despite a prior complaint regarding this matter, the CRA verified the bankruptcy information using an unnamed public agency without providing essential details of the verification process. The CRA is required by law to provide full documentation that outlines every step taken to validate this information. This includes the exact source of the data, the date it was obtained, and any verification methods used. Without these details, the CRA has failed to demonstrate due diligence in verifying the accuracy of this record, which directly impacts my credit standing. 

As previously stated in my initial complaint, the ( attached ) communication from the Court explicitly confirms that it does not report information to third parties or any other individuals. Therefore, I have substantial grounds to question the legitimacy of the CRA 's verification process. Furthermore, the actions of the CRA and any entity involved in this reporting violate the following federal statutes : 1. Violation of 15 USC 1681b ( 2 ) : This statute mandates that no information should be furnished without written instructions from the consumer. The CRA has failed to prove that any written authorization was provided for this verification process. 

XXXX. Violation of the Privacy Act of 1974 : This law requires that disclosure of any records contained in a system of records be conducted only upon written consent from the individual. I have never provided such consent, nor has the CRA demonstrated that any consent exists authorizing this disclosure or verification. 

The CRAs handling of this bankruptcy report is, therefore, both unlawful and unsubstantiated, violating the boundaries set forth by the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Given these violations, the bankruptcy report is invalid and must be immediately removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I walked into PNC Bank on XX/XX/2021 to make my XX/XX/XXXX. 2021 payment. The teller posted my payment incorrectly. I have called the branch manager, XXXX, XXXX with PNC retail, XXXX and the consumer loan department to try and get this resolved and to date my payment is still not posted correctly. Actually, because the teller posted it incorrectly, I received a late notice on XX/XX/2021, a late fee, and accrued interest. I was told by XXXX, XXXX, and XXXX that a request would be put in to have the payment corrected and it would take 3-5 business days. This was XX/XX/2021. It still has not been posted correctly and I can not get any information when it will be resolved, just that these things take time. There are other payments I have made on this auto loan account that have been posted incorrectly, however, the XX/XX/2021 was the only one that has made me appear LATE. I want this CORRECTED. I worry my account will show late on my credit report. This is all because the teller was not properly trained how to post payments to a simple interest loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given late payments for a chase account from XX/XX/XXXX to XX/XX/XXXX.
Product: Prepaid card

XXXX I reached out to CashApp regarding a Visa Debit card sent to me, which I did not request. The company would not help me over the phone. I tried messaging them on XXXX, thy did not help- they kept demanding my email and would not verbally speak with me. I relented and gave them my email address, then sent them copies of the card I was sent and other identifying information. On XXXX I completed a CFPB complaint about their handling of this fraud. I also reached out to the XXXX Police Department to file a stolen identity police report, but they would not complete on without more information, such as the date and time the account was created and any possible IP address used to created. Yesterday I received an email from CashApp saying they closed the account attached to the XXXX card I had been sent. I replied asking for the information that XXXX Police required and got another email back saying I had to take a photo of myself holding my own ID card, and a few other thing, DESPITE already providing proof of who I am ( which is why they sent me the info about the account being closed ).. I need this information as another card was created using my identity at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : Experian, XXXX, and XXXX, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you as well as the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

My minimum payment is due on the XXXX of every month. I always go on at night to make my payment on the XXXX. I recently discovered that I have been accessed a late fee in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all of XXXX. I called Capital One. The rep said I had to make it by XXXX, anything after that time is considered next day. I said what as long as I make my payment by XXXX on the XXXX I have made my payment on time. She said look on my statement next to min payment it says by XXXX. I said I am paperless. She said to avoid it in the future, set up auto pay for min pay. I said I dont need to cause I MAKE MY PAYMENT ON THE XXXX. SO FRUSTRATING... the average person would never think they have to make a payment by XXXX, they would think by XXXX. This is so deceptive and a bad practice. She said she would refund XXXX late fee. what? I feel helpless here so that is why I am filing the complaint! I need help getting the remaining {$180.00} back please I have attached all statements. XXXX was not available online yet but I see on current charges I have been charged another late fee.
Product: Credit reporting or other personal consumer reports

XXXX failure to conduct a proper investigation. Experian XXXX XXXX XXXX XXXX, regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ) in handling disputes on my credit report. I have been attempting to resolve inaccuracies on my credit report for several months, but Experian has failed to properly reinvestigate the disputed accounts and provide the necessary documentation to support their findings. 
I disputed multiple accounts on my credit report that I believe are inaccurate. However, Experian failed to conduct a proper reinvestigation as required under the FCRA Section 611 ( a ). Instead, they incorrectly verified the disputed accounts without providing any evidence or clear explanation of how the verification process was conducted. 
Lack of Transparency in the Dispute Process : When Experian provided the outcome of my dispute, it did not include any specific evidence or explanation of how the disputed accounts were verified. Under FCRA Section 611 ( a ) ( 6 ), I am entitled to a detailed description of the results of the investigation and the evidence supporting their conclusions. This lack of transparency has caused significant concern about the accuracy of the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting inaccurate information on my credit file and i can never submit a dispute online due to inaccurate security questions and answers. I know my personal information and the answers i provide doesnt match up with their inaccurate answers and its been causing damage to my credit.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Credit card or prepaid card

I have on-going monthly charges from XXXX XXXX from approximately XX/XX/2019 through the present for services that I have not requested nor received any services for. I have called XXXX XXXX twice and they told me on both occasions that they have no idea why they are charging me nor can they stop the billing. They suggested I call my credit card company, Chase Southwest card. Over the past two weeks I have both disputed charges through my phone app and made three phone calls to Chase trying to resolve this. I have literally spent several hours on hold ( Today 1 hour 45 minutes ) with no resolution other than I should speak to the fraud department where I was told I would have another hour plus wait to speak with someone. To date the charges to my card are approximately {$800.00}. 
Please help me resolve this matter. It shouldn't take hours to report and resolve fraudulent charges, especially in these days with Corona virus and food shortages.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX Account listed not mine information listed inaccurate 2. Bankruptcy reporting Account listed not mine information listed inaccurate- violation of the Fair Credit Reporting Act.
Product: Debt collection

I received a call at my place of employment XX/XX/2018 stating it was " an urgent matter '' I can not receive calls like this at work and my receptionist informed them of this. I received a call the following day XX/XX/2018, reception again informed them they can not call me here. I have had 1 call on my personal line so far as of XXXX on XX/XX/2018. I received 6 calls on my personal line XX/XX/2018 with no voicemails to call anyone back. This is inappropriate and I would like the calls to stop. I know someone who worked there for a short time and left because of the way they are instructed to harass people and talk to them as though they are garbage. I know they have violated the law by calling my employer a second time after being informed not to. I would like this formal complaint followed through and further action taken against this company. They pride themselves on being bullies, harassing behavior, and intimidation.
Product: Credit card or prepaid card

When I opened a checking account at Wells Fargo in XXXX of 2004, at XXXX years old, they opened a credit card in my name as well without my permission. I noticed it when they were also charging me for their rewards program, for a card I didn't apply for. I called them to stop the charges and had to threaten them to get them to remove the rewards program charges, but the damage was done and the card was opened. Closing the account would only hurt my credit score, so I left it open but never used it once in the almost 11 years it was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and Transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit card or prepaid card

On XX/XX/XXXX I have purchased an automotive part on XXXX from XXXX XXXX using my Mastercard. The part had a one year warranty for a part and 90 days for labor. The part has failed on XX/XX/XXXX and I had a repair done on XX/XX/XXXX with a new part purchased from a different vendor. 
I have contacted XXXX XXXX about getting a refund for the defective part however my communication was ignored. Subsequently I have contacted Citi Mastercard and the company refused to proceed with a dispute stating that the purchase was made over six months. 
1 ) Why is the Mastercard setting a six months limit for any dispute and does this limit complies with the Illinois state and federal laws?
Product: Money transfer, virtual currency, or money service

My roommate paid me through cash app for his portion of the rent, and I have been attempting to cash it out ( {$650.00} ) for 2 weeks. I contacted cash app immediately upon getting an error that there was suspicious activity on my account.

I have spoke to them by phone, chat and email, and it has been more than the 10 days that the EFTA dictates for responding to these types of issues. I still have not been given an explanation or had my funds mad accessible. 
The funds were paid to me on XX/XX/XXXX. I attempted to withdraw the funds on the same day and got an error message. I initiated chat with support and described the issue on XX/XX/XXXX immediately following the message. I received a generic response saying that my issue had been escalated and that the department investigating the issue was only going to communicate by email. 
I received a request for feedback on how they handled my complaint on XX/XX/XXXX, but to date have not received any explanation or updates beyond that.
Product: Mortgage

My wife and I are behind on our home mortgage payments and we had a foreclosure sale date scheduled for XX/XX/2019, which forced us to file bankruptcy to stop. We are not really sure what it will take to keep us from losing our home, but Carrington Mortgage have never provide us any options to get back on track with our mortgage. We think that they are obligated to offer some help to struggling homeowners, but they have never sent us a letter or made a phone call to see how we can work things out. We purchased our home about 15 years ago and when we were in trouble ten years ago we had a modification that helped out tremendously. However, I had a very serious health issue and my wife and I separated for a period of time. This caused us to fall behind on the mortgage, but we are now in a better financial situation and want to get caught back up. We are hopeful that Carrington Mortgage will perform a new review based on our current financial circumstances that will lead to mortgage assistance. There must be a solution that will help get our mortgage back in line, but they have failed to reach out to us to initiate some sort of help. Our current income is sufficient enough to make a reasonable mortgage payment and we would be very appreciative if you could get them to stop the foreclosure proceedings on our home and initiate a proper review to resolve our mortgage issues.