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

This was my sixth and a follow up complaint to the XXXX and Equifax Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are are required to block and remove any items not later than 4 business days. Ive already included the identity theft report in my previous letters & I am including it again. Also, the details you provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This is to notify them if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful noncompliance.
Product: Mortgage

I'm trying to work out a short pay offer on my loan with the " mortgage owner '' and the mortgage servicer will not supply me with the name and contact information of the " mortgage owner. The servicing company send me the original note when I ask for the information and they know that the original note holder filed bankruptcy over 20 years ago and is no longer a company. All of the mortgages were bought out by investors but the servicing company that services my loan will not give me the correct information. However, when I apply for mortgage assistance through them they have to contact the investor to get this approved so therefore that tells me they know exactly who holds the lien.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, Dept of EdXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I have been with CHASE BANK for more than XXXX years. 
I had my account overdrawn several times and been able to put money into my account to cover the debt in the day or XXXX never been charged for overdrawn. 
Now if i do n't put money into my account the same day before XXXX i get charged a fee of XXXX dollars. But i do n't receive any call or email that my account is overdrawn for me to be able to cover in time. i get charge XXXX dollars for a payment of XXXX dollars that did n't go through when my check are pending ... 
This is frustrating how bank become so unpersonnal and does n't work with us but feel like they are happy we are doing bad!!! 
What kind of society are we in?
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX XXXX XXXX and I were asked to attend a timeshare presentation for XXXX XXXXXXXX XXXX XXXX Contract # XXXX some of the selling points where false but it did not come up till we tried to sell or exchange so since we where not able to use it due to covid and personal illness*** we stopped paying. 
After repeated attempts to work with XXXX we ended up hiring & paying a attorney almost {$14.00} to cancel the contract under deceptive practice clause. 
XXXX eventually canceled contract but they keep showing us late pay with Experian Secondly I never was refunded the difference on the cancel contract about {$60.00} Thank you for your attention on this matter XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. I am the XXXX  of and appointed representative for my aunt XXXX XXXX. XXXX passed on XX/XX/2023. She had an account with BMO and I have been unable to get these funds released. She had passed before the letter of appointment was sent but I believe an escheatment letter should have been sent to her address on file. The bank has withdrawn the funds in this account on XX/XX/XXXX and they are not showing up on my state treasury as funds so I'm not sure where the money is. BMO has been no help, there is no estate division I am able to reach or anyone willing to give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan XXXX was transferred to XXXX XXXX from XXXX XXXX in 2013. XXXX XXXX is reporting the account had late or past due payments but this is not true since I had " in school '' deferral and XXXX XXXX did not send that information to XXXX. I did settle the account in a lump sum with XXXX   - but I was never late as I had an in-school deferral.
Product: Credit card or prepaid card

My pre-paid debit card was not working at all locations so I called Direct Express and they sent me a new card. When I went to activate new card upon receipt, they are refusing to let me use the account despite verifying my account several times and providing all required documents. They initially requested my Drivers License which I provided and they said they needed more informaiton, and yet, they still will not give me access to my accounts. When calling them - now they want my birth certificate and i'm currently in California visiting my son where they sent my new card to but my birth certificate is where I live in Florida. This is ridiculous and they refuse to share what the issue is with my account. Meanwhile, i'm unable to see my account, withdraw monies or have any access whatsoever despite confirming everything to them. What a fraud of a company.
Product: Debt collection

I recently noticed a collection on my credit report from XXXX XXXX. I have spoked to XXXX, the collection company and the legal firm handling the collection. The date of birth and the email address they have on this account does not match my personal information. 

I have been a client of XXXX for the past 6 years and do not have a XXXX account. This debt does not belong to me. 

We live in a duplex and based on the mortgage documents held by our landlord the side of the property that he lives in has the legal address of XXXX XXXX XXXX XXXX. 

The original balance on this account was {$530.00}, current balance is {$360.00} according to my XXXX  report. 

Please remove this account from my name.
Product: Student loan

I have been attempting to correct my loan servicing PSLF account with Fedloan servicing since XX/XX/XXXX. I have worked at my current government job for 6.5 years ( an approved and eligible government entity per studentaid.gov ). Somewhere my original start date on my paper work changed to XXXX instead of XXXX. I have spoken with fedloan servicing more than 10 times trying to correct this problem.

I have filed paper work signed by my government jobs HR department reflecting a start date of XXXX twice. Once on XX/XX/XXXX and a newer form on XX/XX/XXXX. 
They certified my employment from XX/XX/XXXX to current but refuse to correct payments from XX/XX/XXXX to XX/XX/XXXX, even with proper documentation. I have been told by fedloans to " just wait for it '' each time I contact customer service. 

I spoke with fedloan servicing regarding this matter in XXXX ( date unknown ) and on the following dates : XXXX XXXX XXXX Each time I was told the payments would change to reflect payment. To date they have not. After speaking with a CSR on XX/XX/XXXX, whom claimed they sent an email, I received a letter saying I was no longer eligible for TEPSLF, which I was NOT apart of as I am PSLF according to Studentaid.gov. 
I attempted to contact 3 times today ( XX/XX/XXXX ). Hold times were greater than 20 minutes. I requested a call back. Both times it stated this is the last time we will try to call back " name '' using this call back method and it disconnected. 
I have a total of XXXX eligible payments according to Fedloan servicing PSLF and I would like my account corrected to show the proper employment period with my approved government agency ( per studentaid.gov EIN Search ). 


I was referred to consumer financial protection bureau by the XXXX 
Please help correct this situation. I am hoping my account reflects properly before the servicers change.
Product: Mortgage

We received a reimbursement check from XXXX XXXX which was to us but accidentally included our mortgage company. XXXX XXXX told us to send it to our mortgage company to be endorsed by them and for them to then return the check to us. My husband sent a check for {$440.00} to Flagstar in XX/XX/XXXX with these instructions. 

In XX/XX/XXXX I realized we had never received the check. Emails to Flagstar over the next few months were never answered appropriately by several different people, so we still had no idea where the check was. I contacted XXXX XXXX and they confirmed the check was cashed XX/XX/XXXX, and they sent me a scanned copy of the check. Flagstar did not respond to my email with the image attached. I started checking all our statements and finally found that the check cashed in XX/XX/XXXX was deposited to our mortgage account in XXXX. This was acceptable to me, but it was unacceptable that Flagstar still could not tell me that they had deposited it. Even after I told THEM what they had done, the same person who had received the copy of the cashed check replied with an email asking for a copy of the cashed check and assured me she would look into it, after I had already told her that I now knew where the money was and the issue was resolved. I replied with another copy of the check and asked that they please not do anything else for fear of creating more confusion. 

Our mortgage is paid automatically each month without fail and we hope to pay in full as quickly as possible so we don't have to interact with them again.
Product: Checking or savings account

XX/XX/09 was advised if I drive to a branch a note was placed on account to allow funds to be released. The branch was 5 hrs from me. When the manager called they was not able to release funds. Have been told a number of times conflicting information, told to stop talking, relax and hung up on as well as supervisor call backs that have never came
Product: Credit reporting or other personal consumer reports

I am submitting another complaint to EXPERIAN for allowing SOMEONE ELSE access to my account. Said person on XX/XX/year> added contact information onto my account that is NOT MINE, was able to remove my credit freeze, and due to this BREACH OF SECURITY, they were able to apply and receive another credit report for an account they applied to with my information. I AM APPAULLED that this has happened TWICE in the past XXXX WEEKS! 

I want an actual answer for why phone number ( XXXX ) XXXX has been able to BREAK INTO MY ACCOUNT TWICE.
Product: Debt collection

Collections Agency : Jefferson Capital Systems I did not have an opportunity to request account validation. According to my credit report, this collections account was opened on XX/XX/2019. However, I did not see it until it posted on my credit report on XX/XX/2019. There was a derogatory remark on my credit report because I never had an opportunity to dispute account validity. 

Alleged Amount Owed : {$460.00} This company violated federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX '' '' '' 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Regarding Capital One Case # XXXX I disputed charges from the merchant for the same exact reason I disputed the other charges from the same merchant from the very day before, and they treated that dispute completely different. They sent the dispute to the merchant and asked them to respond, as they were supposed to. That was not the case with this one. Not only did they not send my dispute to the merchant, but they sent me a letter asking me a bunch of questions that had absolutely nothing to do with my dispute!! Mainly asking for a cancellation date ... I never stated I cancelled any services!!! I told just that, and sent the letter back to them ... And, big shock -- They responded back stating that they requested a cancellation date from me and although they received my response, it lacked all of the requested information needed to validate my dispute ... Um, what?!? Are these people completely XXXX  as a rock, or do they just like playing XXXX in order to simply deny everyone 's disputes?? I'm really beginning to question this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry 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
Product: Credit card

I bought a round trip ticket from XXXX on XX/XX/year>. The ticket I bought from XXXX was from XXXX FL ( XXXX ) to XXXX XXXX XXXX, UT ( XXXX ) departing on XX/XX/XXXX and XX/XX/XXXX respectively. 

- I paid a total of {$680.00} for the round trip. 
My " To flight '' went as per the service that was sold to me and the from flight was the problem. 
- On the day of my travel back to XXXX from XXXX, I was not able to check-in using the confirmation number " XXXX '' given by XXXX for XXXX XXXX XXXX. I drove to the XXXX XXXX at airport and checked with them, they said its not a valid confirmation Number and often happens with 3rd party booking. 
- They advised me that the only way out is cancel the current ticket and buy a new one at spot. Which I did, and paid a hefty price, since its same day booking. 
- I checked my credit card statement and did not find XXXX charge on my card but saw XXXX different charges from XXXX XXXX and XXXX. I had NOT AUTHORIZED them to use my credit card, and neither did XXXX ask me if they could pass credit card details to the Airline companies. 
- Informed the Wells Fargo credit card company and disputed the charges. THey did not help me and said this is a fact the XXXX party companies can pass my credit card details to their merchants and I should take this up with Airline companies. 
- But I never interacted with the Airline directly ever, to take up with them. 
- I dispute this charge and will not pay the creditcard company as they should take action on the XXXX and not make me pay charges that I did not authorize. 
- I have highlighted the charges in the attached credit card statement - Also attached proof of purchase from XXXX.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX as well as halsted XXXX are both attempting to collect on me from a debt to XXXX XXXX XXXX thats was already paid the debt letter they sent me stated to pay so I can immediately have it removed from my credit report but the original creditor would still report it monthly XXXX company are both trying to collect on an account and both threatening to sue me. I have asked for validation of debt and recieved nothing but they have not stopped calling or threatening to sue me
Product: Checking or savings account

Customer attempted to use card on XX/XX/2021 and was notified that account was frozen due to suspicious activity. The suspicious activity started on XX/XX/2021 however Wells Fargo failed to notify that this was occurring. Money was transferred from customer 's savings to checking account and multiple withdrawals were taken from ATM for {$1000.00} and multiple purchases at various stores, particularly XXXX in XXXX XXXX and XXXX FL were made where items for less than {$1.00} was purchased and cash withdrawals of {$100.00} were taken. This is a deviation from customer 's account activities. Police report was filed and claimed made however claim was denied by Wells Fargo and no clear indication as to why. Customer was told that she had to prove that she did not take her own money and was filing a claim
Product: Mortgage

On XX/XX/XXXX I submitted a complaint to the CPFB about Loancare and the issue I had with them updating incorrect information on my credit report. I received a letter dated XX/XX/XXXX stating that Loancare was going to correct erroneous information on my credit report and Loancare has updated some negative information but has now been updated with ADDITIONAL ERRONEOUS INFORMATION. My credit report is still reflecting a 120-day late payment on my XXXX for XX/XX/XXXX and another 120-day late on my XXXX Report for XX/XX/XXXX. Loancare removed the 120-day late they had reporting in XXXX of XXXX but added a new one and this is wrong! I have called again to find out what the issue is SINCE I WAS IN AN ACTIVE CARES ACT FORBEARANCE SINCE XX/XX/XXXX AND AN ACTIVE CH. XXXX BANRUPTCY SINCE XX/XX/XXXX and late payments can not be reported and THERE WERE NO LATE PAYMENTS AND DUE TO THE CH. XXXX FILING, NEGATIVE INFORMATION CAN NOT BE REPORTED AND THERE WAS NONE TO REPORT DURING THIS TIME. I attempted to call XXXX XXXX who was the lady that sent the letter that I received from Loancare in regards to my previous complaint but her extension comes back as invalid. I don't know who else to contact about this issue. My next step is to contact senior leadership up to level of the President of the company. While on the phone trying to resolve this issue because I can't reach the lady that sent the letter, I keep getting different answers and it seems no one really knows the rules so they give their best guess. These best guesses again are stopping my from getting a home. I am a single mother and XXXX veteran who can not qualify for a mortgage because of this error me and IT'S WRONG!
Product: Checking or savings account

I received an email offer from Chase promising a {$900.00} cash bonus for opening a new Chase Total Checking account and a new Chase Savings account with qualifying activities. Within the offer period, I followed the link in the email and opened both the checking and savings accounts as instructed. I completed all the qualifying activities, which included depositing {$15000.00} in the savings account and maintaining it for 90 days. During this period, I visited a Chase bank branch to inquire about the status of my cash bonus, and they advised me to wait until the 90 days were up. The day after the 90-day period ended, I visited the local Chase branch again to ask for the cash bonus, but the representatives informed me that the coupon code had not been applied due to a technical issue or a backend error, which they were unsure about, and now it could not be added, thus making me ineligible for the cash bonus. I believe I should still receive my {$900.00} bonus as the failure was not due to any fault of mine, and I did not do anything wrong throughout the process. If the failure was due to a technical issue on Chase bank 's end, I should still be entitled to my cash bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called and offered a settlement on a debt for less then owed. I agreed to do it if they removed the collection from my credit report vs just saying it was paid. They agreed but once payment cleared they only updated it and refuse to remove it from my credit as promised. I feel it 's fraud.
Product: Checking or savings account

On XX/XX/2023 I received a call from Wells Fargo XXXX department. The person who was on the other line said my account was compromised and there was a transaction made the previous day in Alabama for {$320.00} for a flight ticket and an XXXX purchase {$80.00} and an XXXX for {$30.00}. I obviously told the person on the line that it was not me. They then continued to ask me if I would like to cancel my card, which I said yes. They then read back my information, all my personal information, my account number, card number, last four of my social, my email, etc. So I thought it was legit and that this was the bank because the number they called me on was the Wells Fargo fraud number. They then sent a text through Wells Fargos number and told me to read back the number as it was for my claim. I read the number back and they told me not to look on my account for 24 hours due to the incident. I called my mom and told her what happened and she said it was fraud. I then checked my account and the hacker who was using Wells Fargo then proceeded to take {$2000.00} from my account. I called the bank right away and told them what had happened. They opened a claim and I filed a police report. Around 2 weeks later they denied my claim, saying I approved that transaction by reading the claim number. The people who hacked me, which I talked to the bank about, was a money transfer to the XXXX. The bank cancelled my card and issued me a new account number and card to which the people who fraudulently got me the first time wouldnt get me again but they have still been calling me to this day with my new account information trying to get me a second time. I told Wells Fargo about this and they are choosing to ignore the fact that my information is still being compromised. Wells Fargo sent me a letter saying they were sorry I experienced fraud on my account. So they have acknowledged that this is a fraudulent transaction. Yet they still refuse to refund my money. Can you please help me! I am a young lady and im working full time making less then {$600.00} every 2 and a half weeks and this was all the money I had saved. Please help
Product: Credit reporting or other personal consumer reports

According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations. 

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.