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

On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to LVNV FUNDING LLC. LVNV FUNDING LLC was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX  XXXX XXXX  responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX  addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from XXXX XXXX XXXX stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that LVNV Funding owns the debt AND not to mention LVNV Funding LLC is reporting this erroneous information to my credit report but they don't even own this debt!
Product: Credit reporting or other personal consumer reports

In accordance with fair reporting act, this creditor has violated my rights under 15usc1681 section 602 states : I have the right to privacy ; 15usc1681 section 604a/section 2, it also states : a consumer reporting agency can not furnish an account without my written instructions ; under 15usc1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

With out notice J.P. Morgan Chase restricted my account by my debit card Tuesday XX/XX/2019. On Thursday XX/XX/2019 I went into A branch after being advised by a customer service representative that my account would actually be closed. I went into the branch to see how I can remove the funds that are in there currently in as well as if my direct deposit from my place of employment would be returned. The bank associate and the customer service representative assured me that the funds would Post but they may take an additional business day. That Saturday I attempted to go inside of a branch yet again to retrieve my funds that actually did post on Friday, XX/XX/2019. Upon looking at my account I realize that the funds have been reversed and no longer were present on my current statement. Ive been called and I was told that it may take two business day stating Tuesday, XX/XX/XXXX would be the date that my funds would be available to withdraw from a bank teller only. Now, Chase is informing me that I will be mailed a check into the three business days to recover the funds that are owed to me and left in my account currently. Unfortunately, This has put me in an additional financial bind do two fees from late rent late car payments, etc. I am not being a short or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. I am not being a shored or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. This situation is truly affecting my livelihood and they dont seem to want to deal with Me professionally. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I learned that Equifax was hacked. I went on their site and learned that my information was released. Two problems here : apparently I can not sue Equifax now that I have checked this information, and there is no recourse as to how to shut down my information. Let me tell you, I have had my information stolen before, and it is a nightmare to clean it up. I can not imagine how much more difficult it will be now that HALF THE UNITED STATES was hacked. Help us please.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.
Product: Debt collection

The alleged account is from Macys account # XXXX open on XX/XX/year> in the amount of {$500.00} in my name I dont recall opening this account and sought proof that this account was opened with my information and signature by verification and validation and never received any response from the creditors on this account
Product: Credit card

I joined XXXX to check my credit score. I have a delinquent/derogatory Bank of America credit card account listed. I 've never had a BOA credit card. The account was opened in XXXX, I was born in XXXX. It was closed in XXXX. How do I get this removed from my report?
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX on the dates XXXX, XXXX AND XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The XXXX XXXX was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the XXXX XXXX. 
I have previously contacted XXXX and requested that my account status be corrected to reflect a status of " PAID/AGREED 'XXXX XXXX XXXX XXXX  '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. The following accounts are reported on my credit report inaccurately : XXXX- {$5800.00} Collection debt from XXXX XXXX that has interest being added monthly is inaccurate and against the FCRA guidelines, XXXX XXXX XXXX XXXX XXXX - {$670.00} inaccurate, XXXX XXXX XXXX XXXX-inaccurate , XXXX- {$10000.00} inaccurate, XXXX XXXX- {$1500.00} inaccurate, XXXX XXXX {$980.00} ( medical collection ) inaccurate, I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. In addition to this request for correction, I would like to address the potential for civil liability under 15 U.S.C. 1681o, which outlines that a consumer reporting agency may be held liable for negligence if it fails to comply with the requirements of the FCRA. Should your investigation fail to correct these errors or adhere to the legal timelines and procedures for resolving disputes, I will consider pursuing legal action under this provision for any damages caused by your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

Never received my refund and they are trying to charge extra for services I never received.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.
Product: Student loan

On XXXX XXXX I noticedon my XXXX XXXX  accountthatI was charged both {$190.00} and {$360.00} with description '' DEPT EDUCATION. '' I made {$180.00} for XXXX payment but *not* a {$360.00} payment. 
I immediatelycalled MOHELA. 
I was told that on their end the {$360.00} was still pending. I explained that I did not make a payment of {$360.00} becauseon XX/XX/XXXX, I called to confirm that my new payment is now {$190.00}. MOHELA was able to stop the payment of {$360.00}. But my bank statementas of XX/XX/XXXX, does not show a refund. 
On XX/XX/year> I noticed on my XXXX XXXX  Statement that I was double charged {$360.00} both on XXXX XXXX XXXX of XXXX immediatelycalled MOHELA.It was explained to me that I would receivea refund of {$730.00} for the double charge made XX/XX/XXXX and XX/XX/XXXX. I am still waitingto receivethat refund. 
On XX/XX/XXXX, I was told that I " should '' receivethe refund on XX/XX/XXXX for the {$360.00} taken out of my account on XXXX. I have not receivednotice on my XXXX XXXX  statement of a refund. I was also told on XX/XX/XXXX, that I " should '' receivemy refund of {$730.00} on XX/XX/XXXX. I was directed to call MOHELA on XX/XX/XXXX if I do not receivemy refund. 
It was explained to me that my case is now being investigated on their end.I asked for confirmation # for my expected refunds : XXXX XXXX XXXX XXXX I was told that accounting is behind and that my process will be a " waiting game '' and call for an update by XX/XX/XXXX. I will be doing so especially if I do not see a refund with the maybe-dates they provided. 
I was also told not to schedule advancepayments. I was reminded that I don't have to make payments at this time. I responded that it is my choice to continue to make payments or not. I choose to make a {$190.00} payment. 
I kept asking them, " How is it possible that MOHELA is able to take money out of my account without my authorization? I made a {$190.00} payment on XX/XX/XXXX, but not {$360.00}. How is your institution able to automatically take payments out of my account when I have not set up auto pay. '' They could not provide an answer. They only told me this case will be investigated.
Product: Credit card or prepaid card

When I had to do some electrical work at my house, the electrician I worked with offered a no interest loan/credit card for 18 months. I use both descriptors because I'm not sure what it was and it's reporting all different information on my credit report. 

Originally I was told it was a line of credit for $ 12000+. The purchase was only $ 9,000+. The payment due each month was originally {$270.00}. This has been very confusing for the following reasons : 1 ) I  originally thought this was a home improvement line of credit, however, I never received a card from Synchrony. When I requested a card, about 9 months after opening the account, I discovered I could not use the credit card anywhere because it was actually a store credit card. This was never disclosed nor would I have known until I received the card. 

2 ) My payment due has changed from {$270.00} to {$230.00} without any explanation. 

3 ) I have late payments showing on my account. There was a time I had lost my job and stopped making payments HOWEVER at this point I had made {$6000.00} in payments whereas just using making the normal payment I would have owed {$2700.00} so I have far out paid what I agreed to this point. 

4 ) Even though I have over paid, I still had to pay late payment fees on the card amounting to over {$100.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.
Product: Checking or savings account

XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) sent funds to my Bank of America account after the death of my husband but I didnt receive the funds because gave out a wrong routing number for wires XXXX instead of paper and electronic XXXX both belongs to Bank of America XXXX XXXX sent {$400.00} & {$3800.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX and the same amount {$320.00} on the conservative months until XX/XX/XXXX. So I reached out to the bank and they informed me that I didnt receive the money because I gave out a wrong routing number and the money was sent back to XXXX so when I called XXXX they sent me the statements of transfers and confirmed that they havent received the funds back and I should ask the bank to send me the evidence of the transfers because thats the only way they can resend the money. I tried reaching the bank in vain so I went through the XXXX XXXX XXXX XXXX XXXX XXXX and BoA last reached out to me in XX/XX/XXXX through their representative XXXX and promised to email the paper work that showed the money was returned but I never received the email and yes it was not in my spam. I called again and they said they will send it by mail in XXXX business days. I confirmed with them that they have my right mailing address but its been two months and Im yet the documents to send XXXX so I can get my money. 
They did this too in XXXX, XXXX when their representative XXXX XXXX reached out and promised to send me the evidence which I never received. 
This is issue has been going on for more than a year now and its been so frustrating. 
Kindly help.
Product: Credit reporting or other personal consumer reports

I have been disputing it for months, but they have never responded to me for the high and predatory charges on my account, Midland refuses to send the documentation of this account that they bought that was disputed for the charges that exceed those allowed, they only send a Bill, I require the documentation original account of this account, including a complete breakdown of the account ( including applicable interest rates and APR ) and a complete record of all credits and payments attributed to this account. In addition, there are specific inaccuracies related to my credit report. I think the amount you declare and collect is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. XXXX XXXX has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because XXXX XXXX still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from XXXX XXXX. Although I have been trying to refinance with them this makes me want to refinance with a different company once this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against TransUnion consumer solution. 
Company address - XXXX XXXX XXXX XXXX, PA XXXX PHONE # XXXX TRANSUNION CREDIT BUREAU was presented and FTC report based on information on my credit report that's fraudulent company ignored and refuse to remove fraudulent information and incorrect reporting of my report to show these accounts, Acc # XXXX Acc # XXXX Acc # XXXX Acc # XXXX Acc # XXXX Acc # XXXX THESE ACCOUNTS NEED TO BE REMOVED BECAUSE THERE ARE FRAUDULENT ALONG WITH THE INQUIRIES. 

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

In accordance with the Fair Credit Reporting act XXXX bankruptcy XXXX XXXX reference account # XXXX, has violated my rights 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 a account with my written instructions
Product: Mortgage

I had my mortgage with XXXX for 10 years. They sold my account in XXXX to Specialize Loan Services ( SLS ). I was to begin making my monthly mortgage payment to SLS XXXX XXXX, 2015. I called them to verify the amount was the same and to make my first payment over the phone. They could n't accept my payment because their system was down. A few days later I called back to make the payment and was told they could n't process it because they did n't have the rest of the paperwork from XXXX. They said they were waiting on the terms from them. SLS told me they would call me back to accept the payment. Two days later after not hearing back from them, I called again and left a message for my agent to please all me back. I called XXXX, explained to them the situation and was advised by them that everything was " signed, sealed, and delivered '' in XXXX. XXXX told me SLS has everything from our loan. Three days later after no word back, I called SLS yet AGAIN and insisted I speak with someone that would accept my payment. I was again told they were waiting on the rest of the paperwork from XXXX but assured me I had 60 days from the start of the new service with them to make my first payment. They told me I would n't receive any late fees or negative credit reporting. I told them I still wanted them to accept my payment. They said they would have to put it into a suspense account until the loan was finalized. I gave them my bank account info and authorization to deduct my monthly mortgage payment. Upon my request, they said they would email me what was discussed confirming they had not yet received the paperwork from XXXX, their was a 60 day grace period ( which I do n't want ), and they accepted payment that would be placed into a suspense account. Here we are 2 days later and not only have they not emailed me, they HAVENT DEDUCTED THE MONEY FROM MY ACCOUNT! I am very concerned as we are quickly approaching a new month. Several online reviews warn about SLS not accepting payment and instead wanting to force homeowners into foreclosure. I ca n't comprehend this. Please help!