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

I am writing to formally file a complaint against Experian RentBureau regarding their refusal to comply with my request to freeze my credit report, despite their classification as a credit bureau under federal regulations.

I mailed a written request to Experian RentBureau requesting a credit report freeze, as permitted under the Fair Credit Reporting Act ( FCRA ). However, I did not receive any response from them regarding my request. Subsequently, I contacted their customer service department via phone to follow up on the matter. During the call, a representative informed me that they do not freeze credit reports, which contradicts their obligations as a recognized credit bureau.

I believe Experian RentBureaus refusal to freeze my credit report is in violation of my consumer rights under federal law. As a fair resolution, I am requesting that Experian RentBureau promptly freeze my credit report as originally requested and provide written confirmation of the freeze.

I kindly ask for your assistance in investigating this matter and ensuring that Experian RentBureau complies with federal regulations and consumer rights.
Product: Student loan

I am currently going through XXXX. XXXX XXXX sent emails on Portal about completing Income Base Driven forms. Due to my health, XXXX, and XXXX I was not able to fill out the forms. Fed loans substracted {$1200.00} from my banking account, even though I have never had to pay before because of my income. I have trying calling to get assistance and they rush me off the phone. I am at a lost and don't know what to do. They won't give me the information about getting a refund.
Product: Debt collection

After sending a letter to Hunter Warfield requesting validation of a debt that was placed on my credit report, they have failed to respond after numerous attempts to contact them. This debt was satisfied to the original creditor XX/XX/2015.
Product: Credit card or prepaid card

While I was on a work trip in XXXX, FL I lost my wallet, credit and debit cards that were inside it. When I couldn't find it, I thought it was just in my XXXX  XXXX  XXXX  XXXX  rental. Soon thereafter I realized it was indeed lost. There were a couple of scattered fraudulent transactions across my cards. 
One of the biggest hits was to my target card. 
My trip was XXXX XXXX XXXX 
When reporting the issue, they asked how it was possible they could have used the account since it is pin code protected. I had written that on the card as it was different than my other pin numbers. 
They told me to include that in my report, they would be mailing a form to feel out, so I included that in my report. 
After I did that, shortly thereafter they sent me the letter attached saying it is valid due to the pin being used. Disregarding the fact that I stated the pin number was written on the card. Conducting no investigations into that matter, that was warranted. Adding back the total disputed amount without a proper inquiry. 
I sent the attached letter via certified post to the address a representative gave me on the phone if I was not satisfied with their findings, still noting that the agent over my account was currently unavailable. 
The tracking for said letter is USPS : XXXX XXXX XXXX XXXX XXXX Since doing so, no response of any kind, and the agent is not available for calls. When I tried to call prior to the letter, I called and was told she would call be back within 48 hours which never happened.
Product: Vehicle loan or lease

I, XXXX XXXX, recently purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX, Wells Fargo finance the vehicle. Purchased date XX/XX/XXXX. This vehicle has had problematic from a bad car battery, the ball joints collapsed, and the dealership told me that they replaced the brakes on the vehicle. Wrong. The vehicle needs rear brakes and rotor. The dealership refuses to reimburse for the repairs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been abusing credit report. They are not report any payments and constantly reporting me as late
Product: Debt collection

I recieved a notification from XXXX from a company called Consumer Adjustment Company stating that I owe them XXXX dollars for debt from a Company called XXXX XXXX which dropped my credit score. I have no knowledge of this debt and never recieved anything from XXXX  XXXX in any attempts to collect money from me. This collection company never sent me a letter or anything stating that I have debt with this company which by law they are required to do in order to collect from me. I have researched this colletion compant and this is a common practice that they do to people by putting collection on their credit report and never sending them anything to shows that owe this debt. I am a vitcim of fraud and last year I had the same thing happen to me. This is not my debt and this is not legal to put something on someones credit without prrof of debt and no attempt to reach them to allow them to dispute the matter or even see if its legit which it is not. I dont know how they got my information but I want this removed from my credit report. I will be disputing this with the credit braeu as well.
Product: Bank account or service

I am a single mother of XXXX boys. I work hard everyday and live paycheck to paycheck and for years, BBT has been charging me with overdraft fees when a deposit or direct deposit has been made. I have been told that all debits come out first before credits and have tried numerous time to have my fees refunded. I have started taking screen shots with my phone to keep check on my account and have taken my phone to show these screen shots of my account to be told that debit comes out first before credits. I have talked to numerous people that bank with BBT as well as comments left online from other people that bank with BBT that they are gouging people with fees. I am at my wits ends and feel so used by my bank institution. Just so sad and disappointing that these banks feel that they can charge fees left and right from working class people who struggle to make ends meet and some of those are single parents.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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: Student loan

I had two subsidized loans from EdFinancial Services that I paid in full on XX/XX/2020. One for the amount of {$3500.00} and another for {$2000.00}. Although the money was withdrawn from my checking account EdFinancials Services is not recording my payments on their portal and they are charging me the loans in full. I have tried reaching out by email and phone calls but I can not get a hold of them as they are always busy. I have my bank statement and payment confirmation from EdFinancials as proof of payment.
Product: Mortgage

Mortgage was paid in full XX/XX/2021. Today, XX/XX/2021, received a letter dated XX/XX/2021 indicating that they received a request for transfer of deed in lieu. I contacted Champion mortgage to return the unused portion of the insurance premium a few days after closing. Almost 6 weeks passed and I called again because it hasn't been received and was told that it was sent to the wrong address after I have received NUMEROUS documents from them. They are withholding the unused insurance premium and sending documents for me to sign for a deed in Lieu when the property has had a new owner since XX/XX/2021 and they have had payment in FULL. 
This is the worst servicer I have ever dealt with and I work in the mortgage banking field!
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 to present I've submitted disputes to XXXX XXXX  and XXXX  regarding my XXXX XXXX Account reporting past due for the month of XX/XX/2020. XXXX   provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that XXXX XXXX never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted XXXX XXXX  and explained that the letter had a different account number. According to XXXX XXXX, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On  XXXX / XXXX /  XXXX   I looked up the balance to m y American Express Gift Card,  and the record showed that it had been used fraudulently. I received this card months ago as a holiday gift, and it had not left my wallet.     The charge that I disputed was made at a   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , CA with a transaction date of  XXXX / XXXX /  XXXX   and a post date of  XXXX / XXXX /  XXXX  . The disputed amount was {$21.00}.     I contacte d American Express customer services, gift card division, and they said that my o nly recourse was to contact the merchant directly. The merchant could do nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit file being marked delinquent every month since XXXX. This account should not be reporting as such being that collection activity has stopped due to Covid and also school related University of XXXX has been found to be doing illegal things. I also qualify to have this removed under the borrowers defense
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau Dear CFPB, I am writing to file a formal complaint regarding [ XXXX ] and its improper handling of my car title loan account, which has led to inaccurate credit reporting and possible violations of consumer protection laws. 

Details of the Issue : XXXX and XXXX XXXX : I took out a title loan with [ XXXX  XXXX ] My vehicle was repossessed due to non-payment, and it was sold at auction. 
After the repossession, I was informed that my loan balance was [ incorrect balance, e.g., {$11000.00} ], which is inconsistent with the original loan terms and payments made. 
Incorrect Credit Reporting : [ XXXX XXXX XXXX XXXX ] is inaccurately reporting my account as being late for XXXX, XXXX, XXXX, and XXXX  days, even though these payments were either made or the account was improperly processed after the repossession. 
Under the Fair Credit Reporting Act ( FCRA ), inaccurate or misleading reporting is prohibited. This incorrect reporting is violating my rights under 15 U.S.C. 1681b, which requires accurate and complete reporting to credit agencies.

Possible Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681b, a credit reporting agency or a lender must ensure the accuracy of reported information, which has not occurred in my case. 
The loan company has failed to properly update or correct the reported information after the vehicle was repossessed, and they are still reporting false late payments. 
Violation of the Truth in Lending Act ( TILA ) : According to the Truth in Lending Act ( TILA ), the terms of the loan must be clearly disclosed to the borrower, including any changes after the repossession, and accurate statements of the balance. 
My balance after repossession is inaccurately reported as much higher than it should be, which suggests potential violations of the law under TILA.

Request for Resolution : I request that the CFPB investigates the following : That [ XXXX XXXX ] corrects the incorrect balance and payment history reported to the credit bureaus. 
That any inaccurate reporting of my loan account is removed or corrected to reflect the proper status after repossession. 
A review of the title loan company 's practices to ensure they are compliant with the Fair Credit Reporting Act and the Truth in Lending Act. 
Additional Documentation : Attached are the following documents to support my claim : Loan Agreement Repossession Notice Auction Sale Information Copies of my credit reports showing incorrect reporting I would appreciate your prompt attention to this matter and look forward to your assistance in resolving these [ XXXX XXXX [ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I pulled my credit report and noticed inquiries on my credit report that I did not authorize it was from XXXX of a company by the name of XXXX XXXX, I contacted Transunion because I was not able to dispute the information online the system stated I had to call in, upon calling I was denied being able to dispute my information online and over the phone. I explained i did not apply for any credit and that my information has been exposed due to a breach from an employer and my social security, bank account and personal information was exposed, I received notice to contact the bureaus if I noticed anything suspicious on my credit report. TransUnion refused to remove the inquiries from this matter.
Product: Credit card or prepaid card

On Vacation in XXXX with family I frequent a lot of hotels, attractions and restaurants making cash transaction to keep spending habits low. After leaving XXXX to XXXX to catch my flight home to XXXX XXXX I noticed my wallet was missing losing my Drivers Lisence, Chase Credit and Debit cards, and Bank account pin numbers. On XXXX XXXX 2021 while driving I use my Chase Mobile App to monitor my finances, and notice an alarming fraudulent charge for XXXX XXXX for {$4100.00}. It was unbelievable so I immediately called Chase XXXX XXXX XX/XX/2021. On XX/XX/2021 the gave me a credit for {$4100.00} during the investigation. 

I received a follow up call from Chase XXXX XXXXXXXX XXXX but NO Voicemail was given. I log into my Chase Mobile App to see the fraud amount reapplied to my statement. I called Chase Fraud depart after multiple unsuccessful attempts to clarify the mistake. 

XXXX XXXX XXXX The investigation was completely poorly done and noted the verdict was based on the receipt name matched the credit card name. 
XX/XX/XXXX, XXXX forwarded Chase Fraud department proof of my Driver Licence being reissued because my wallet was stolen and asked if I should file a police report for more validity on my end. I asked if they checked security camera footage and the purchaser use the correct address, and chase fraud representative said " we dont know ''. Also the XXXX representative did not follow policy by taking a photo copy of the ID prior to issuing the sale, and Chase responded " we dont know. '' At this point Chase Fraud does not have any information to give and want to settle by having me, a loyal 7 year loyal customer and U.S. Veteran with their unwarranted bill. 

They refuse to remove the {$4100.00} balance from my statement that I refuse to pay and I am afraid this will destroy credit score which I worked valiantly to protect for years. Also interest fees will be added to my Credit from waiting for Chase to fix the issue. 

I have not heard back form Chase Fraud since XX/XX/2021. Please help assist me!
Product: Checking or savings account

I had to close my fresh start checking that had no overdraft privilege 's due to the fact of COVID and fraud. Someone filed a fake claim for unemployment in my husbands name, our emails, XXXX, dark web and passwords were all exposed. I notified Bank of the West of this problem. My Husband and I opened a regular account this time, last time I was not approved. Literally after opening I have had problems with them holding deposits, charging me overdraft fees when the item that cleared and I was clearly not negative at the time of it clearing. 
This all started on XXXX the XXXX, which I called in and they refunded two overdraft fees. Since then I have been charged numerous times, because they held an automatic deposit FROM XXXX ON THE XXXX and charged overdraft when I had the money present in my account I have called my branch, the call center, and have even been hung up on.
Product: Debt collection

I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.
Product: Credit reporting

Unable to report as they do not have anyone available to speak XXXX and when attempting to get address via online direct to Equifax their website said the information submitted was incorrect. I believe they have my date of birth incorrect and this has caused me to not be able to apply for any type of credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Balanced {$0.00}
Product: Checking or savings account

I have a place of residence in XXXX XXXX, FL. I also manage a business from this residence. In recent months before XXXX, i was in and out of the state due to my grandma being XXXX. Unfortunately she had passed in XXXX which i departed in the first week to my country leaving behind my Florida phone and accounts. I recently returned ( XX/XX/2024 ) and noticed my business phone along with my notepad of information was missing. I contacted the police and filed a report and reported a plethora of unauthorized charges on ALL my cards linked to my phone. The most used merchant was XXXX XXXX. I called chase made a claim and also submitted the police report. I explained it was possibly one of my workers and advised my icloud email was also compromised where most of my information was stored. i requested for new cards and new login information. After a few days i was told my claim was denied due to an issue that the first XXXX noted that was not valid. He did not report my phone was taken and not in my possession. I spoke to a supervisor " XXXX '' where she reopened my claim with all the correct information. Unfortunately it was denied again even after submitting the police report and everything else. I contacted chase again, where any further action was denied and advised i should look for legal representation. I feel completely defeated and alone. Even after i was promised by a rep named XXXX that i was not liable for unauthorized charges. which is not the case ....
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : 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
Product: Mortgage

I have attached two recent mortgage statements from Specialized Loan Servicing that I received over the past two months. My mortgage servicer, XXXX XXXX XXXX XXXX, sold my loan to Specialized Loan Servicing in XXXX of 2018. There is an " Order of Protection '' in place thru the XXXX XXXX of New York bankruptcy court. I specifically marked the mortgage payment stub that I sent to Specialized Mortgage Servicing that the {$1700.00} payment was specifically for my taxes and to be deposited into the tax escrow account as ordered by the NY Bankruptcy court. Please note the principle balance from one statement to the other as the principle balance has reduced from {$530000.00} to a balance of {$530000.00} I am going on record that I will NOT be sending anymore money to the loan servicer as they are in violation of the Order of Protection. I have notified them and have not received an answer, or a transfer of the money into the escrow account. Please advise them to take care of this matter and let me know. XXXX XXXX
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 al address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces. 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 redress for these violations.
Product: Credit card or prepaid card

In XXXX of 2020 I booked a trip with friends for a trip in XXXX My XX/XX/2020 bill on my Citi Thank you card will show the amount of my share of the trip for {$1400.00} which I paid in XXXX. In XXXX due to covid 19 the trip was cancelled and XXXX sent an email stating that I should request my money back directly from the credit card company. I filed a dispute and was initially refunded the money from citi bank. Over the course of the next few months they requested information from me which I provided. In XXXX they charged back the money ( from a trip I never took ) and stated the reason as being that I never signed a form ( that I had not even known I received ). On top of not knowing the form existed and needed to be signed, I was ill during that period from when I supposedly received the form for a period of 8 weeks. Weeks later when I was finally back on my feet I found out that they would not accept my dispute and closed the case. 

CitiBank has been completely horrible and not cooperative during this whole process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to dispute th e Hard Inquiry from Quicken Loan s. I want this stopped, how can we make this happen, how can I get this removed?   I understand it hurts your  credit score whe  n Companies like Quicken Loans  are inquiring about my credit history. Please help. I appreciate it your help on this matter.   Thank you  XXXX   XXXX   XXXX  Take care
Product: Credit card

Citi Cards sent me a letter in my account that they are reducing my credit limit. 
They are reducing it bec. significant of the portion has not been used. 
But, I have worked hard to get this credit limit so, I can use it when deemed necessary or in the family urgency situations. 

I have been paying my credit card bill and have paid my bill on-time. I am being good customer and better knowledgable person about my expenses and credits. so, Why am I getting punished by reducing the limit.