23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Simple  account was transferred to a BBVA account which was supposed to be a seamless transferred. today it would not let me log in and have access to my funds. I can now log in, but money is missing from my balance, my savings account is MIA and when you call their CS line, they are playing fake recordings of agents answering, doing their into, and two seconds later it says Im sorry I think we have a bad connection, Im disconnecting the call and then the call disconnects. There are multiple recordings available online on XXXX/XXXX of various people calling in and getting the SAME exact person ( recording ). This is deceitful and HORRIBLE.

They also claimed account and routing numbers WOULD NOT change when the transition to the BBVA platform happened - well, the routing numbers absolutely did change and now I am unable to get my direct deposit and pay my bills on time.
Product: Mortgage

I lived at XXXX XXXX XXXX XXXX in XXXX, Ga XXXX back in the early XXXX. I lived there for over 10 years. They foreclosed on my home when my husband and I divorced. We divorced in XXXX but we were paying a company to help us avoid foreclosure. They still foreclosed on the home and would not refinance or help us. I believe they foreclosed in XXXX? My memory of all the details is not good because it was such a traumatic time for us.
Product: Student loan

Navient has put my loan in forbearance multiple times while knowing I could not make payments without an income at certain times and Navient did not notify me of the other options like income based driven repayment which in turn has accrued late fees on my account. I do n't agree with fee charged to my account when their customer service was well aware of my other options but withheld that information to help me.
Product: Student loan

On XX/XX/XXXX, I submitted the application for Public Service Loan Forgiveness ( PSLF ) and Temporary Public Service Loan Forgiveness ( TPSLF ) generated using the Help Tool at the Federal Student Aid website to XXXX XXXX ( see attached ). At the time, this organization was the servicer for all PSLF and TPSLF applications. I received a letter dated XX/XX/XXXX, from XXXX XXXX stating that my loans were eligible for the program and that my loans would be transferred to the new servicer, MOHELA. This letter is being attached. On XX/XX/XXXX, I reached out to MOHELA to check on the status of my application. The representative I spoke with indicated that no paperwork had been received from XXXX XXXX and that there was no record of an application on file. I was advised to resubmit the paperwork, which I promptly did. 

In XX/XX/XXXX, I once again reached out to MOHELA. I was advised that there was an issue and that my loans would not have been transferred had I not called in. The supervisor, XXXX ( may not be the correct spelling ), processed a request to have my loans transferred. The loans appeared in the MOHELA system on XX/XX/XXXX. A payment tracker appeared on XX/XX/XXXX. No updates have taken place to date.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the collection accounts reported by XXXX  XXXX Collection on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. XXXX  XXXX XXXX Balance Owed : {$200.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX CRA ( XXXX, XXXX, Transunion ) According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( **the company reporting the late payment** ) and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX  are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on  duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX, NA has transfer an account to XXXX XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Checking or savings account

When I open my checking account Wells Fargo force me to open my son a saving account when he was XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as PACER, e-Oscar or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.
Product: Checking or savings account

So on XX/XX/XXXX I ordered a phone for {$880.00} the money was taken out XX/XX/XXXX I still haven't received the merchandise and my Bank Discover Bank will not help me dispute transaction. I've reach out to the merchant XXXX XXXX to settle it that way and just get a generated response to ask my neighbors and if they may have picked it up for me did that they say no. But all and all Discover bank refuses to help me dispute transaction.
Product: Credit card

A charge was made for a hotel room. The reservation was nonrefundable. At the hotel nobody was at the front desk for over 1 hour. I called the vendor with no response. The service was not provided. Called the credit card and disputed the charge over 4 times with no protection.
Product: Debt collection

i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation
Product: Credit reporting or other personal consumer reports

my credit report without my expressed written consent. These actions violate consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and relevant provisions under 12 CFR 1022.3, which define identity theft and emphasize the need for proper authorization when handling consumer data. Without my prior written consent, credit bureaus have added, modified, or retained the following items on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. including all hard inquries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I requested multiple methods of verifications for accounts you claimed were verified and the information is still incorrect or incomplete on multiple accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> XXXX XXXX. Credit Acceptance and XXXX XXXX XXXX hard inquiries on my credit report and did not have my authorization. They are ruining my credit and need to remove them immediately from XXXX
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months. Along with letters sent in XXXX of XXXX Credit Acceptance Corporation has been misreporting incorrect information; such as balances, payment dates, opening dates, comments and reporting misinformation on all 3 credit reports. This has caused my opportunity to obtain credit to be difficult. They have two bureaus reporting closed and one reporting still open plus 120 days late. This is a violation of the FCRA. Also, balances are incorrect from the paperwork Credit Acceptance has sent to me. They received GAP insurance money plus money from the sale of the vehicle. Credit Acceptance never granted me the resale paperwork or deficiency until after the vehicle was sold and they wanted to ask for the debt to be covered. Credit Acceptance also stated that the balance was XXXX, later changing it to around XXXX and reporting to bureaus the amount of XXXX. All faulty information. Please look at the incorrect information attached and have them remove their name and accounts off of my 3 consumer reports immediately. Ive asked them to DELETE several times and sent them the errors made. They take my proof and not fix the issue every time. Along with trying to cover their tracks. This violates FCRA code 623 ( a ) ( 1 ) ( c ).
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 redress for these violations.
Product: Debt collection

On XX/XX/2024. I received a call from a blocked number that went to voice mail. The voice mail left mentioned my name and my spouse name to the property owners of my address. She said this is XXXX with XXXX. We have certified documents we do need to issue out to my address if I would be present. If there are further concerns in regards to the complaint or questions pertaining to the pending lien it would be in my best interest to contact the firm at XXXX case number XXXX. This is a time sensitive matter requiring immediate attention. 
I called back. It was a good number to my surprise. I spoke to a man didn't give me his name or tell me where he was calling from. He didn't say the call was being recorded or the XXXX XXXXXXXX used in collection calls. He did have the last four of my social and knew things on my past credit history. He said I owed XXXX to MBNA. He said he would liquidate my XXXX XXXX XXXX XXXX XXXX XXXX When he realized I wasn't falling for it he hung up. I was a debt collector for years so I did not fall for this but I would like to make this known due to companies unethical and illegal practices.
Product: Student loan

I submitted an application to switch my repayment plan to SAVE on XX/XX/2023, and at the time the normal processing time for an Income Driven Repayment plan to be processed was 5-7 business days. It has now been a few months and my application is still not processed. MOHELA has failed to process my application due to the overwhelming amount of borrowers who entered repayment in XXXX. I had called MOHELA in XXXX and XXXX, where representatives assured me the IDR application, though delayed, was in processing. When I called in XXXX, an agent informed me they were not sure why the application was not processed, and agreed to resubmit the application for processing. The representative then stated that they would put me on an administrative forbearance while processing, but that interest would continue to accrue. It is my understanding that both CFPB and FSA have called on MOHELA to fix their IDR errors, and to stop interest from accruing while they work on this, yet I am still being charged interest. The XXXX plan has a 100 % interest subsidy benefit, so I am being directly harmed every day that my loans are not on it if they continue to charge interest.
Product: Money transfer, virtual currency, or money service

Cash app list my account I had XXXX dollars in my account I accidentally made a new account with the same email and phone number now they can't find my funds
Product: Credit reporting or other personal consumer reports

Its been so long I really not sure about the dates, amounts and actions that were taken by
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received my full credit report with score and would like my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LexisNexis for their failure to provide me with a copy of my consumer report, despite repeated requests. As per Section 609 of the Fair Credit Reporting Act ( FCRA ), I am entitled to access my consumer report upon request, but my experience with LexisNexis has been highly unsatisfactory and frustrating. On four separate occasions, I have contacted LexisNexis to obtain my consumer report. In response, I received multiple letters containing a Personal Identification Number ( PIN ) purportedly for accessing my report online. However, when attempting to use these PINs on the LexisNexis website, the system consistently fails to validate them. Despite following all instructions carefully, I have been unable to access my consumer report due to this recurring issue. I have also tried calling and emailing LexisNexis customer service to resolve this matter, but these attempts have been futile. The customer service representatives have been unable to assist me effectively, and the issue remains unresolved. This ongoing situation has caused me significant frustration and inconvenience, as I am unable to review the information contained in my consumer report. Under the FCRA, I have a right to accurate and timely access to my consumer report. LexisNexis 's failure to provide this report, despite my multiple requests, is a clear violation of this right. I believe LexisNexis is not fulfilling their legal obligation under Section 609, which mandates that consumer reporting agencies provide consumers with access to their reports upon request. I kindly request the CFPB to intervene in this matter and ensure that LexisNexis promptly provides me with the requested consumer report. Additionally, I ask for an investigation into their practices to prevent similar issues from affecting other consumers. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 


I already submitted this once ( XXXX ) and CFPB wrongly closed it. LexisNexis said they mailed on XXXX but I still havent received anything.