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

I had a loan with West Creek ( now called Koalafi ) before without issues. My second loan, they reported two late payments on my credit report. I paid off the FULL BALANCE of XXXX  XXXX under the agreement that all negative information and late payments being reported would be removed from my credit report by agent XXXX XXXX This was paid off in the first 100 days to avoid paying any interest, per the contract agreement. The late payments are still reflecting on my account to this day and any attempts to resolve with Koalafi directly have been unsuccessful. 
Ive reported to the XXXX and Koalafi advises that theyll reach out to me directly or I can reach out to them directly. 
Ive already reached out to them directly without resolution and do not want to spend any more time on this when theyre unwilling to resolve the issue and remove the late payments being reported. This was guaranteed on their recorded line with the agent taking the payment.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Equifax 's severe violation of FCRA 605B requirements regarding identity theft blocking procedures. 
Timeline of Critical Events : XX/XX/2024 : Submitted comprehensive identity theft dispute package to Equifax by XXXX XXXX Mail. 
XX/XX/2024 : Equifax opened/received the dispute XX/XX/2024 : Dispute remains in " submitted '' status only - investigation has not even begun No blocking action or decline notification received Egregious Violation of FCRA 605B : The law requires Credit Reporting Agencies to take XXXX of XXXX actions within XXXX business days : Block the disputed information, OR Decline to block and notify the consumer of the reason Equifax 's Current Status : According to Equifax 's own system, the dispute remains in " submitted '' status Investigation has not even been initiated after XXXX  days No blocking action has been taken No decline notification has been received No communication about the status of the block request The fraudulent information remains visible on my credit report This complete inaction represents a particularly serious violation of FCRA 605B, as Equifax has XXXX Failed to meet the XXXXbusiness-day requirement Failed to even begin investigating the identity theft claim Provided no explanation for their inaction Left fraudulent information active on my credit report The disputed fraudulent information includes : Original Creditor : XXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$710.00} Documentation Previously Provided : Valid government-issued identification Official FTC Identity Theft Report Written statement identifying the fraudulent information Complaint to XXXX  XXXX of XXXX XXXX XXXX that the XXXXrmation does not relate to my transactions Explicit request for information blocking Additional Ongoing Issues : Unauthorized Extended Fraud Alert remains on file Credit applications continue to be denied Financial hardship persists due to Equifax 's complete inaction Impact of Violations : Financial Damages : Unable to access credit Continued damage to credit standing Potential lost opportunities due to credit denials Procedural Violations : Complete failure to initiate investigation Violation of mandatory XXXX-business-day requirement No notification of block status No explanation for lack of action
Product: Checking or savings account

On XX/XX/XXXX, I became aware that there was a new Wells Fargo checking and savings account that were part of my online account. I did not authorize those accounts to be opened, and given Wells Fargo 's track record with opening unauthorized accounts, I immediately reported it to them. They've indicated it's going to take 2 weeks to investigate. And meanwhile, they've apparently locked me out of my online account access.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

Experian : XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Bank Account XXXX XXXX XXXX  XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account from XXXX XXXX on behalf of XXXX appearing on my Equifax and XXXX credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.
Product: Credit card or prepaid card

Hello My name is XXXX XXXX, On XX/XX/XXXX and XXXX 7,000 dollars was stole from my North Carolina unemployment debit card. I filed compaint on the XXXX of XXXX. Today is XX/XX/XXXX and im still havent got my money back. I sent a copy of police report to Bank of America and copy of my I D. B O A refuses to do whats right and give me my money back. OH, This is the good part when I got a copy of my transactions 5,000 and 2,000 was a bank transfer but doesnt show where the money went. Ive called so many times I lost count and they give me the run around. NO compassion at all. This has been going on for 2 months. Thanks for your time. WATCH OUT FOR BOA. My email is XXXX. XXXX is my home phone #.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed public records that I did not make or did i approve anyone to pull my credit report
Product: Credit reporting or other personal consumer reports

Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took a loan of XXXX XXXX dollars which I made ten payments of XXXX XXXX and XXXX dollars monthly until i was able to save enough to pay off the the debt. On XX/XX/XXXX, spoke to a rep and requested for a quote for the remaining balance of my debt. I was informed of the amount and I gave authorization for the funds to be deducted from my account. After few days, I checked my account and noticed that there is still a remaining on my account after paying off the and on the same month XX/XX/XXXX, my account was reported to the credit bureau for late payment. I made multiple calls to have an explanation of why the remaining on my account after paying off the debt. They will put me on hold for more than thirty minutes and the hanged. At least on two occasion. When i was finally able to get hold of someone to speak to, I was told after paying off the debt, I still have a balance to pay off as the interest rate. To sum it up, customer service is very unprofessional causing me more agony and dissatisfaction.
Product: Vehicle loan or lease

I was in the process of purchasing a car with Carvana I was submitting paperwork when they informed me that I owed past monies and would not be able to get the car with them. I checked my account and saw the money for the shipping fee was still in the account so I cancelled my car order since they wouldn't give it to me. Within 5 mins the shipping fee had been deducted from my account. They say even though I was in the process of completing the purchase and didn't know if I was going to get it that I agreed the fee was non-refundable once the purchase was complete, but the purchase wasn't complete and they only took the money from my account after they knew I wasn't going to purchase the vehicle. This all occurred less than 24 hours of starting the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Student loan

I have a professional email types including letters from both myself and the company for further information. I was just hoping to send an email directly. 

Subject : Formal Complaint Against Sloan Servicing Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Sloan Servicing regarding their improper handling of my federal student loan account. As detailed in the attached letter that I have sent to Sloan Servicing, they have failed to provide legally required notices, engaged in negligent communication, and improperly reported my account as delinquent, resulting in unjust harm to my credit and financial stability. 
Despite their claims that they sent delinquency notices, I never received any such communications via email, phone, or mail. Additionally, Sloan Servicing has admitted in writing ( see attached ) to providing incorrect and incomplete information, demonstrating their negligence and failure to act in good faith. Their actions constitute a clear violation of the Fair Credit Reporting Act ( FCRA ) and CFPB regulations regarding student loan servicing practices. 
Summary of the Issues : Sloan Servicing failed to notify me of delinquency before reporting it to credit bureaus.They claim to have sent notices that I never received, despite having correct contact information on file. 

Their response letter XX/XX/scrub>XXXX  ( attached ) contains admissions of internal miscommunication and errors. 

As a result, my credit has been unfairly damaged, and I have suffered financial and emotional distress. 

I have already sent a formal dispute letter to Sloan Servicing demanding immediate corrective action. However, given their continued negligence and failure to act in good faith, I am seeking the CFPB 's intervention to ensure compliance with federal consumer protection laws. 

Given these violations, I respectfully request that the CFPB investigate Sloan Servicings handling of this matter and take appropriate action to prevent further harm to consumers. Additionally, I would like to request that the CFPB review this matter to prevent Sloan Servicing from further harming consumers. I am happy to provide any additional information needed.
Product: Debt or credit management

I opened an account with Level One Law in late XXXX  to get help negotiating settlements on some credit card debts. At the time I was still current on payments with the creditors, but Level One told me to stop those while they dealt with the negotiation. Currently 4 of those creditors are suing me- Level One made no attempt to settle most of the accounts. 

Ive severed my relationship with them now, but during the time they were engaged they took ~ {$8000.00} in advance fees and paid only {$1600.00} out to creditors. They refused to refund these fees when I requested it and hung up on me when I asked. I am now in a far worse position than when they roped me into their scam.
Product: Checking or savings account

On XX/XX/year> I purchased XXXX tires from XXXX for {$410.00} including tax and installation fee. When I arrived for my appointment on XX/XX/XXXX I was informed that the tires I had ordered online were the wrong size for my wheels and I would need to get a different set of tires, in store the clerk cancelled the transaction and I was told I would receive a full refund. I bought XXXX new tires and paid a seperate installation fee for them in store. XXXX only refunded me {$270.00} so I contacted XXXX support and was told I would receive the rest of the refund, this never happened, I contacted them twice more, the second time I was told I would receive the rest of the refund and never did, the final time they refused to refund me. 

So I contacted my bank, Betterment to file a dispute with them at the end of XXXX, I gave them all of the above information and I received a temporary credit for {$110.00} on XX/XX/XXXX. I later received a letter from Betterment informing me my dispute had been denied because I originally authorized the transaction and the transaction was not fraudulent, attached to this letter was evidence from XXXX that I was the person who did the transaction. 

I contacted them again and was told that despite asking to file the original dispute as a billing dispute rather than a fraud claim my dispute was filed as a fraud claim and because the transaction was not fraudulent it was denied. The person on the phone told me they would escalate my dispute to have it re-evaluated as a billing dispute but I then received another letter informing me that the claim would not be re-evaluated as they thought it was fully resolved. I also sent in a letter to them as a reply to the letter informing me my claim was denied with the above narrative about what happened.
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting a fraudulent account was opened with XXXX XXXX  ( account # XXXX - {$640.00} - XX/XX/year> ) due to identity theft. EQUIFAX and XXXX XXXX have been informed numerous times about this fraudulent account and sent the police and F.T.C. reports but are still reporting this fraudulent account information and damaging my credit. It is believed that a neighbor committed the identity theft and was tamping with incoming mail or a data breach of personal information exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 
XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

*The original amount in dispute is the amount of {$2200.00} for the escrow account as it relates to XXXX  XXXX. This original amount was identified in the Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
*On XX/XX/XXXX, Mortgagor also began making the first of 36 scheduled Escrow shortage payments of an additional {$61.00} per month, in addition to the previously scheduled regular monthly mortgage payment, so regular monthly payments were not considered not paid in full and thus held in suspense. 
*On XX/XX/XXXX, Mortgagor filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after numerous failed attempts to obtain factual information to explain the shortage. 
*On XX/XX/XXXX, Ditech answered the CFPB complaint. Mortgagor was unsatisfied with Ditechs answer but failed to reply to CFPB by the deadline. Mortgagor called the legal department at Ditech on XX/XX/XXXX, but was unable to speak to anyone on that day. 
* On XX/XX/XXXX, Ditech sent Mortgagor an Annual Escrow Account Disclosure Statement stating another Escrow Shortage amount of {$1700.00}. Mortgagor is currently in a 36 month payment plan for the original Escrow Shortage amount of {$2200.00}, which Mortgagor still disputes as owing.

*There is approximately a 40 day period whereby Mortgagor requested that Ditech cancel its escrow for property insurance ( letter dated XXXX ) and Ditech thereby agreed ( letter dated XXXX ) ; Mortgagor then requested escrow for property insurance be started again ( letter dated XXXX ) and Ditech thereby  agreed ( letter dated XXXX ) ; the original issue remains, however, why the original shortage of {$2200.00} is due and owing, an amount that was noted in the XX/XX/XXXX Annual Escrow Account Disclosure Statement, prior to any of the property insurance issues. Ditech claims it was the property insurance escrow issue on XX/XX/XXXX that caused the shortage. This answer is not satisfactory since the chain of events was subsequent to the original shortage notice date and Ditech has yet to explain the discrepancy. 
As a Mortgagor, I have been frustrated with not only the accounting of our Escrow Account but also the communication by Ditech and the inability of Ditech to show us evidence of a legitimate debt due and owing.

Mortgagor is requesting an accounting of this escrow account and an explanation by Ditech of the original escrow shortage amount of {$2200.00} on XX/XX/XXXX. Mortgagor disputes owing this amount until an accounting and an explanation have been provided.
Product: Mortgage

In XX/XX/XXXX I received notice that full payment was due on my home equity line in the amount of {$9300.00} principal balance plus {$140.00} accrued interest. In XX/XX/XXXX I received a second notice for a larger amount of {$11000.00}. I spoke with a Specialized Loan Servicing, LLC representative named XXXX regarding a rapid payoff schedule, and questioned the new payoff amount. XXXX ordered a new payoff amount be sent to me and said the payoff schedule I proposed would likely be approved and the new charges could be reduced. Instead, in XX/XX/XXXX I received another payoff amount, this time increased to {$12000.00}. I am prepared to pay {$5000.00} toward a reasonable, fair, and honest payoff amount immediately and the remaining balance off by late XX/XX/XXXX.

Specialized Loan Servicing has refused to sent monthly or even quarterly statements for years and they ca n't explain the amounts due when I call for the info. I repeatedly requested statements and needed them during a health crisis because a family member was helping keep track of monthly bills.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to withdraw {$500.00} from my US Bank XXXX in which my child support is loaded onto. The ATM at XXXX XXXX  in XXXX misdispensed and did not give me the {$500.00}. I contacted XXXX to inform them of the error and they confirmed the money was taking from my account and they would need to open a dispute. I contacted XXXX XXXX  after and they said they could not provide me the information and to call XXXX. I contacted XXXX again around the first week of XXXX and they informed me that after 10 business days if they have not completed the investigation they would apply a {$500.00} provisional credit. On XX/XX/2020 I received the provisional credit on my card and used the funds. On XX/XX/2020 XXXX  took the {$500.00} provisional credit back and stated in their investigation did not go in my favor and to call XXXX XXXX. I have now spoke with XXXX XXXX  and its manager who all have confirmed it was an ATM misdispense and they sent the money back to US Bank XXXX with a claim number of XXXX. XXXX   continues to open disputes and close them saying the same results that it did not come in my favor and there was no ATM error. I have verification from the bank in writing showing proof the sent the money to XXXX. I have the letter still. Please call me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XX/XX/XXXX i notice two bankrupcy appears on my credit report with Experian that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with experian but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also XXXX is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into certain accounts and inquiries that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant.

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy.

15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization.

15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ).

15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken