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

XXXX XXXX closed my account with no notice and has made it impossible for me to make a payment or access my credit card statements. They have submitted information to the credit bureaus that have tremendously lowered my credit score and has drastically effected my life. I have been trying to get this resolved with XXXX XXXX since XX/XX/2023. The one and only letter I received in XXXX to why my account would be closed has incorrect information on it. Whomever the " XXXX XXXX '' is has not contacted me, although I have requested to be contacted several times via XXXX supervisors. The general supervisors would like to assist me but are unable to assist because the account is restricted from them being able to do anything. They can only send an email, there is no phone number for them to get in touch with the " XXXX XXXX '' that should be fixing my account. 

The only thing that has been done by the " XXXX XXXX '' is reporting that my account was closed with a balance owing of {$1000.00} and in XXXX that the account was 30-60 days past due. The account being closed and the balance not being paid has been out of my control and all due to the fault of XXXX. 

Please see my attached uploaded detailed notes of the actions I have taken to get this matter resolved. 

Today I submitted a dispute to experian and equifax, also trying to get this matter resolved.
Product: Credit reporting or other personal consumer reports

Failure to Investigate Dispute Violation of FCRA To Whom It May Concern, I am filing this complaint against Equifax, Experian, and TransUnion for failing to properly investigate and respond to my credit report dispute, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 


Within the last 6 months, I have submitted multiple disputes regarding inaccurate information on my credit report ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Specifically, late payments on XXXX XXXXXXXX XXXX XXXX XXXX closed, charge-off, and collection accounts : XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

Under the FCRA, the credit bureau is required to complete its investigation within 30 days ( or 45 days if additional information was provided ) and notify me of the results. However, the credit bureau failed to conduct a proper investigation and verified inaccurate information and disputed information remains unchanged without proper justification. CFPB has recently filed a lawsuit against the credit bureaus for failing to investigate consumer disputes properly, remove errors, and prevent inaccurate information from being reinserted into credit reports. 


I request that the CFPB investigate this matter and require Equifax/Experian/TransUnion to take immediate action to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights. Please require the bureaus to ensure compliance with FCRA dispute resolution requirements going forward.

Failure to address this issue may result in further action, including legal remedies. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate his account properly and your neglect has violated my rights. I am demanding a deletion of the following account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I have a home loan with Select Portfolio Servicing. Prior to onset of Covid 19 that resulted in California being shut down ( XX/XX/2020 ) I had not been late in making my mortgage payments. I own a XXXX XXXX XXXX and due to the Corona Virus and the lockdown, I suffered significant financial loss and at the end of XXXX of 2020 I applied for a loan modification. After some back and forth and providing them all the documents they requested I was turned down for a modification. I am still unable to pay my mortgage as my business has not returned to normal ... .people are working from home and there is little need for XXXX XXXX XXXX. I have tried to negotiate with SPS but they refused to modify my loan saying only that I do not meet the guidelines of the investor/noteholder but then do not outline what those guidelines are. I have repeatedly requested what those guidelines are but do not get an answer. I was given a forebearance of 3 months. At the end of that 3 month period and while my loan modification was in process, SPS demanded a balloon payment of {$10000.00} due on XX/XX/2020. This was impossible to pay, resulting in my being in default and I now fear they will foreclose on my home. Additionally I believe SPS to be in violation of the CARES act.
Product: Vehicle loan or lease

We paid off my lease by trading in on a different car. We were positive equity on our lease and in fact, we were overpaid on the lease by several XXXX dollars. We traded the vehicle in on XX/XX/2020. The dealer paid off the lease and secured title. 

We have been trying for the past 3 months to get our overpayment of several XXXX dollars back from Kia Motor Finance. Every call we have made except for 1, we get an automated message that they are to busy and to call back at a later time.

The 1 and only time we spoke to a real person, they said there in fact were 15 vouchers for us to get our money back, apparently one for each over payment we had. That was 6 weeks ago, and still no refunds.

We only want the money that was paid in excess of the lease, and feel that in 90 days, they should have been able to send our refund.
Product: Credit reporting

Based on the agreement/settlement between the states attorney and the credit reporting agencies on XXXX XXXX that they will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.Beginning in XXXX XXXX, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. I previously disputed them and was told that they was not parking tickets. I have provided that they are parking tickets in the attached documents from the City of XXXX XXXX Parking Administration. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX
Product: Checking or savings account

I have had an ongoing issue with my phones, not being in my account and funds being moved from my account without my authorization. This is happened on multiple occasions Wells Fargo has a policy that they have 10 business days to investigate a fraud dispute. Today is the 10th business today, and I have not received any communication regarding the dispute or have a received a provisional credit for the amount that I disputed I have a child and I have bills the holidays are coming up and I have tried to be patient but I can not longer wait on my money
Product: Debt collection

I was contacted last year XXXX XXXX XXXX by a debt collector working for XXXX XXXX XXXX about an outstanding debt ( XXXX ) which was not due by me. Bill was under my name but I had left the country ( Job in XXXX ) in XXXX XXXX. My ex husband did n't pay his Internet bill and the bill was under my name : as a result, the debt collector contacted me and I paid {$100.00}, last year XXXX XXXX XXXX ) but the debt collection shows on my credit report and will up to 7 years. The Debt collector does n't want to delete the debt collection file so it affects my credit score. I want them to remove that debt collection from my credit report because I paid and settled that debt which was not mine. 
Thank you fr helping me with that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never later with my payment Capital one this is not my account XXXX XXXX  account
Product: Mortgage

I have been having serious problems with Freedom Mortgage escrow department. They are the most incompetent company I have ever done business with. A few months ago they double paid my taxes. I demanded that they remove escrow from my mortgage and I will pay my own taxes and insurance so that more errors in payment do not happen. Freedom Mortgage sent me a letter on XX/XX/XXXX stating that escrow will be removed from my account starting XX/XX/XXXX and that I am now responsible to pay for all my taxes and insurance. I then went ahead and paid my house insurance bill personally. Come to my surprise on XX/XX/XXXX Freedom Mortgage RE OPENS my Closed escrow account without my permission steals {$970.00} from me and sends it as a double payment on my insurance. Now Freedom Mortgage shows I have an Escrow Balance of Negative {$970.00}. I contact freedom mortgage spend 2 hours on the phone to be told it was there error but they still have not fixed my account yet!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Possible Finance , Inc. for Violation of Texas Finance Code and Inaccurate Credit Reporting.

I am writing to file a formal complaint against Possible Finance , Inc. for potential violations of the Texas Finance Code, specifically Chapter 392 related to debt collection and the surety bond requirement as outlined in Section 392.101. Additionally, I would like to address the specific inaccuracies in the credit reporting practices by Possible Finance , Inc. on my XXXX credit reports.

According to Section 392.101 of the Texas Finance Code, a third-party debt collector or credit bureau is prohibited from engaging in debt collection activities unless they have obtained a surety bond issued by a surety company authorized to do business in the state. The bond must be in favor of any person who is damaged by a violation of the chapter and the state for the benefit of any person who is damaged by a violation of the chapter. Furthermore, the bond must be in the amount of {$10000.00}.

I demand that Possible Finance , Inc. provide proof of the surety bond required by Section 392.101 of the Texas Finance Code to collect on this debt and report this account to the credit bureaus. Additionally, I demand that this account be deleted for inaccurate reporting. The following specific inaccuracies are present in the credit reporting by Possible Finance , Inc. on my XXXX credit reports : The payment status of the account is showing as 30 days late, despite the payment history from XX/XX/year> to XX/XX/year> indicating that the account was never late. ( See attached documents ) These inaccuracies are damaging my credit score and financial reputation, and I request immediate correction and deletion of this inaccurate information.

Furthermore, I believe that Possible Finance , Inc. and XXXX may be violating several federal laws by continuing to report conflicting and inaccurate information on this account after it has been disputed. These potential violations may include but are not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I urge the Consumer Financial Protection Bureau to investigate Possible Finance , Inc. and XXXX for potential violations of federal laws and inaccurate credit reporting practices. I request that appropriate enforcement actions be taken to rectify the situation and protect consumers ' rights. Despite multiple disputes raised with XXXX and Possible Finance , Inc., the inaccuracies persist, highlighting the urgent need for corrective action and accountability in accordance with consumer protection regulations.

I have attached relevant documents and information to support my complaint. Please feel free to contact me if you require any further details.

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I made two different transactions for selling my virtual currency Bitcoin and Litcoin through coinbase. 

The first transaction was for {$260.00} of bitcoin -reference # XXXX The second transaction was for {$130.00} of litcoin XXXX reference # XXXX The money was supposed to be directly deposited into my checking account. The company has not responded to this issue.
Product: Credit card or prepaid card

Since XXXX of 2020, my company has received calls every few months about purchases made on prepaid mastercards and visa cards in the name of our company. We are a digital marketing agency and have no way of charging consumer credit cards and have not received funds of any of these mentioned debits, but someone seems to be using our company name in their prepaid debit card scam. The amounts have varied, as have the locations of the prepaid card holders. Many seemed to have purchased the prepaid debit cards at their local grocery store ( XXXX is one that has been mentioned several times ). Since we are not actually processing the charges, someone is just using our companies name on these transactions, we are unable to refund the prepaid card users. We have called our local police precinct, but they are unable to help us, as the financial loss is not ours and thus in their eyes no crime has been committed. We have also called the credit/debit card companies to report this fraud.
Product: Credit card

So, I had fraud on my account and they cancelled my card and sent me a new one. It took a week and a half to GET a NEW credit card. Then on XX/XX/23 there was a fraudulent transaction that I tried to address on their APP and website AND, they cancelled my credit card again! Said they would send a new one. 

1. I have not received a new card yet.

2.They have not addressed the false charge that was not me and they won't give me a credit.
Product: Checking or savings account

In XX/XX/2022, I deposited a check for the amount of {$1300.00} and in XXXX I deposited another check for the amount of {$1300.00}. The same month, Citibank sent me a letter that the check for {$1300.00} was deposited twice, but they were two different checks. I went to the citibank office and after looking at the records they saw that it was a system error and that they were going to solve the problem with the two checks in 5 days, the 5 days passed and nothing after a week I called again and told them about the problem and they saw the record and that they were going to solve it in 15 days. The 15 days passed and I called again and another 15 days to date, they dont have returned the two check still waiting
Product: Mortgage

In XXXX, XXXX, I applied for a mortgage modification with Select Portfolio Servicing due the Winter Freeze in XXXX, XXXX, recent health issues to where I got behind on my mortgage. I was told at the time that I qualified for a modification so I proceeded with the application process. I went online to check the status of the loan modification and was given a repayment plan for a year in the amount {$1200.00} which is way beyond what I can afford. I clear only {$2100.00} but I have a car payment at {$450.00}, car insurance at {$160.00}, high utility bill which we are getting gouged from the Winter Storm and there is no money left for transportation to work and food. I feel that they made this payment plan unaffordable with the intention to take my home away. It's beyond unconscionable for them to do this. I was willing to continue paying the {$950.00} or the original {$860.00} payment if they would defer the arrears to the end of the term. I am not trying to not pay for what I owe but I need help! Due to the Coronavirus, my employment is on a pay freeze and I am unable to increase my income due a back injury from a car accident back in XXXX. SPS is a such a shady mortgage company, they charge all kinds of fees and act like they will help but when it comes down to it, they are always threatening to foreclose. I fight them every time and I am stuck with them holding my mortgage. I am working on my credit but it's a long process since I am still trying to clean up old debt from my job layoff in XXXX and XXXX. I am hoping once I get my credit good, I can refinance with my bank to get my home away from SPS. Can you help and maybe get them to put the arrears at the end of my term or modify my loan. 

Thank you for your attention in this matter and God Bless you. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Follow up complaint to the previous Complaint I submitted. Once again, I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Money transfer, virtual currency, or money service

I ordered an item from XXXX that turned out to be defective. I Tried to dispute the charge first with XXXX, then with PayPal. Talked with both companies and was sent back and forth multiple times, but finally was told that I had to contact Paypal to dispute a charge. PayPal immediately marked the case as closed and its help information told me I can appeal their decision, but they did not have a functioning dispute/appeal process in place and they only give XXXX  days to appeal. The resolution page has not been working correctly, so I can not appeal and they have no way to contact them available.
Product: Student loan

I have attempted to make payment arrangements on many times and I was always put on a forebearance which has made repayment very long and costly. I never was offered other suggestions or repayment options. I was a single mother trying to assist my son with college and took out a XXXX XXXX Parent Plus loan the first in XXXX/XXXX/XXXX in the amoutn of {$15000.00} at rate of 3.45. I took a {$9000.00} loan at rate of 8.50 on XXXX/XXXX/XXXX and {$4500.00} at rate of 8.50 on XXXX/XXXX/XXXX. I was grateful each year my son received academic scholarships and I took less.The XXXX XXXX loan was eventually taken over by Navient. The current balance with interest is {$31000.00}. I called them recently when they increased the monthly payment to {$700.00} which I could not afford. Throughout the years I continued to make payments but whenever I called to get assistance or suggestions with payment arrangements I was always put in forebearance. It seems like this loan will never go away. I work full time as an RN and I pay a mortgage payment as well as other household expenses as head of my household/single mother. I feel grateful my credit rating has not been jeopordized in any way due to the outstanding balance on Parent Plus Navient loan. I have called XXXX XXXX currently Navient many times since XXXX always in an attempt for payment arrangements or to discuss the loan. I feel that Navient has steered me a struggling borrower and single mother of XXXX sons toward paying more than I should have on these XXXX Navient Loans. I believe that Navient also obscured information needed to assist me in maintaining and being able to afford lower payments. Navient harmed my credit since I was declined on two attempts to refinance my high mortgage rate in obtaining a lower interest when mortgage rates dropped which would have saved me XXXX of dollars in mortgage interest and given me a more affordable mortgage payment. I feel XXXX a financially vulnerable borrow, single parent of XXXX college aged sons these practices prevented med from securing some or all of the benefits of the plans that were intended to ease the burden of unaffordable student debt. Navient also misreported information to consumer reporting agencies which is the cause of my mortgage refinance to be declined on XXXX separate attempts.