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

I am a known victim of identity theft. This is the third time I have filed a complaint for this exact issue but the credit bureaus keep violating Federal law as well as my rights and there has been no recourse. If I am forced to sue them I am going to seek damages of over XXXX for the time and frustration and the damage to my reputation. I have filed complaints with the Attorney Generals office as well as contacted my congress person. My information was exposed in a Data Breach ( and keeps being exposed repeatedly ). Then the person or people used this information to open a few credit cards and other accounts UTILIZING MY INFORMATION AND PRETENDING TO BE ME. I have not said that the accounts belong to someone else and are on my report incorrectly. I am saying the person pretended to be and committed fraud against me. This information needs to be blocked from reporting. The credit bureaus can not keep ignoring me, it is illegal. They are having the information processed in XXXX and they are screwing everything up. In addition to blocking the information, I demand they send me all of the information regarding the opening of the accounts and the original applications, showing my signature or that I agreed to this. I will take this back to the police since they are the only ones who seem to be willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXX  XXXX {$380.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$3500.00} XXXX XXXX {$220.00} XXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX BANKRUPTCY DISMISSED CHAPTER XXXX XXXX DISSMISSED
Product: Debt collection

On XX/XX/XXXX, I sold my XXXX XXXX to an individual for {$1600.00}. While I submitted the Transfer of Liability to the DMV immediately after the sale, the new owner did not. The name of the registered owner stayed in my name, and the DMV waited for the new owner to complete their side of the paperwork to complete the sale. They never did, and it seems like they never intended to. In fact, we are no longer sure of the true identity of the buyer. 

It seems that from XX/XX/XXXX to XX/XX/XXXX, the new owner of the XXXX received five tickets and the XXXX was impounded on XX/XX/XXXX. We were not aware of the tickets as I moved shortly after selling the vehicle, got married and changed my name, and currently reside in a different county. I was only made aware of the issue when the collection letter was sent and we started looking into the history of the vehicle. 

The collection agency will not release the debt after providing the Transfer of Liability Form 138 from the DMV, Bill of Sale, and a current Vehicle Records Receipt showing that the vehicle has been sold twice more since we sold it in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payments on this account. These are definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts are listed below. 
XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had repeated problems with Chase bank. In XX/XX/XXXX I was notified of a hard credit inquiry done by Chase on XX/XX/XXXX and I called Chase to find out what was going on as I had not applied for any credit. They said they would mark it as fraud and send a letter to have that inquiry masked on my credit reports. 

In XXXX I was going over my credit reports and noticed that the inquiry from XXXX was still showing and that there was now a second inquiry dating from XX/XX/XXXX. I called in and was told that they would send off a letter to have both of the inquiries masked. I received a letter confirming this on XX/XX/XXXX. 

This evening I received another alert from XXXX and once again there is a new hard inquiry on my credit report from Chase. 

I called them and was passed from person to person and finally spoke with the right department who said that the application came from XXXX. They assured me that they would deny the application and that they would send a request to have this inquiry also masked from my report. 

I find it very hard to believe that if someone has my information that there would't be other fraudulent applications being made through other underwriting institutions. Chase is the ONLY one to show up which leads me to believe that there are other problems at Chase that have nothing to do with XXXX.
Product: Student loan

This is the 2nd complaint I am filing against Mohela because the first complaint did not address my concerns whatsoever. 

Mohela literally said " you have zero payments towards PSLF. '' However, that is not true. They say they are waiting on Federal Student Aid to provide them payment counts ; however, anytime I chat FSA on XXXX the Dept. of Education refers me to Mohela and says only they can provide it. 

There is a back-and-forth between the US dept. of ed and Mohela that is absolutely flawed and detrimentally impacting me. I should have reached loan forgiveness already, and now I am having to wait an untold number of weeks or months to have that loan forgiveness completed, and thus my credit score is impacted. 

I will continue to submit complaints until my payment counts are updated in a timely manner. Timely manner is a matter of days, not months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters in the past 2 months to all three credit bureaus to try and get rid of inaccurate information off of my credit report I should only have 2 addresses reporting on my credit report XXXX XXXX XXXX XXXX IA XXXX and XXXX XXXX XXXX XXXX XXXX mo XXXX I do not receive any us mail at any other addresses which makes them inaccurate that is someone else 's address reporting to my credit report and they keep saying there is nothing I can do to remove the address but according to the law I read they can not report inaccurate address
Product: Debt collection

I currently have been making payments to this debt amount. This amount needs verification but however, this debit shouldnt be in collections since Ive been a victim of identity theft and fraud during this account period.I informed XXXX of the ongoing identity threat, and the multiple times my phone was hacked while I was XXXX XXXX and how I had no control whatsoever of my cards and phone. The bill would always get rejected or be cancelled or just didnt go through. Below I will attach the police report.
Product: Credit card or prepaid card

Good Day, XXXX XXXX, XXXX negotiated a settlement on my Capital One Credit Card account dated XX/XX/XXXX for an amount of {$3000.00}. The first 24 payments were to be {$120.00} and the final payment due XX/XX/XXXX is {$120.00}. For some reason, in XX/XX/XXXX Capital one sent me a refund check for the amount of the XX/XX/XXXX indicating " no open account found ''. The first 3 payments in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) were paid on my behalf by the law firm and then I continued payments, always on time for the amount shown via my bank bill pay function. Documents to support proper, complete payments attached to this complaint. When the refund check was received in late XX/XX/XXXX, I sent a letter via certified mail to the Debt Settlement Negotiator of Capital One, XXXX XXXX on XX/XX/XXXX via certified mail ( copy attached to this complaint ). Enclosed with this letter was the Capital One refund check. To date, no written response has been received from Capital One ; however, Capital One is now negatively reporting this account on my credit reports. Please help. I want to pay the remaining payments as agreed to this creditor. Many thanks!
Product: Student loan

I consolidated my student loans in XX/XX/XXXX in order to qualify for student loan forgiveness. As of XX/XX/XXXX. All of my student loans were consolidated under one company as has since been updated to my credit report under the new student loan company. I contacted American Education Services XX/XX/XXXX in reference to the loans that remain open on my credit report that is currently showing opened that are consolidated with another company. The representative for the company advised me to call back on XX/XX/XXXX to receive an update for thr removal of this information from my credit report. I was advised to make a complaint to get this errors from my credit report. I have also been advised by American Education Services that my my student loans are no longer with the company and the balance is XXXX however the balance is still listed on my credit report. I believe I should not have to file a complaint in order for this company to remove these accounts in order for my credit report to be updated. I am requesting the accounts listed on my credit report be closed and defrom my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and cXXXX XXXX XXXX XXXX as well as IXXXX XXXX has fraudulent information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX  has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Product: Credit reporting 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 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 XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX BALANCED {$15000.00} XXXX / XXXX XXXX BALANCED {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

I'm writing mainly to let CFPB know how blatantly and maliciously Wells Fargo lied to CFPB in their response to my complaint # XXXX. 

I had not really paid attention to Wells Fargo 's late response as so many other things involving them were going on but it lied by reporting : 1. That I had no legal appeal rights when it knew that my appeal had been pending over a year and a half when it wrote what it did. Having forced me into probate court, I appealed immediately after it did not honor it's promise that it would proceed with modification and assumption after it received testamentary letters. The Tennessee Court of appeals found that my husband 's will was valid on XX/XX/XXXX. 

2. It knowing lied that there had been a public administrator appointed to the probate matter it forced me into after I withdrew as administrator. It had the direct denial of being the administrator from the lawyer it claimed was the administrator long before it stated that untruth in response to my complaint. 

3. It intentionally mislead by not revealing that it was responsible for me being in the probate court in the first place under the treat of not lifting a pending foreclosure sale and providing another HAMP application. 

4. It also denied the rights under state law regarding the vesting of real property ownership. It too did not say in its response that I was the record owner of the property in both my county and city records by virtue of Tennessee law when it coerced me to probate my husband 's will knowing that I did not have the funds to waste on lawyers and there were no assets other than my home from which to satisfy the statutory fees allowed in the probate process and are unavoidable because an individual can not represent the estate that is created upon filing the will. 

5. Wells Fargo did not disclose that I was 10 months into a TPP plan when it responded which less than a month after its responded to the CFPB claimed that my husband 's mortgage was not assumable providing no explanation why. 

I'm sure I not the only one but I am one who has navigated through Wells Fargo 's antics and deceit and am still in my home and now in federal court. By the way, my husband died XX/XX/XXXX which represents the time I've tried to assume the mortgage on my home.
Product: Credit reporting or other personal consumer reports

This a request to have the following accounts removed in accordance to FCRA section 605 B. It is illegal to report any information on my credit report without my permission. The following are the accounts below : 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: Credit reporting or other personal consumer reports

The following account is reporting inconsistent and inaccurate information on my credit report according to the fair credit reporting act I'm entitled to 100percent accuracy and XXXX XXXX XXXX account # XXXX is violating my federally protected rights.i demand them to delete this account from my credit reports immediately
Product: Credit reporting or other personal consumer reports

consumer credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the fcra. I contacted Experian and asked for The investigator to remove the inaccurate account from my consumer report that they were illegally reporting and I requested specifically their alleged original application bearing my signature They have not been able to provide such proof. this address does not belong to me, and I have never lived at this location or held a lease, this address is not reported on the other XXXX major reporting agencies ' reports Please have it removed XXXX XXXX XXXX, GA XXXX,
Product: Credit reporting or other personal consumer reports

Failing to report a year of on time payment history. The last reported payment was XX/XX/XXXX when I have been making on time payments since XX/XX/XXXX to now, XX/XX/XXXX. This is severely affecting my credit age and pay history rating.
Product: Credit reporting or other personal consumer reports

I submitted disputes with XXXX, XXXX and Transunion in early XXXX, these disputes completed at the end of XXXX with positive results for me ( accounts were deleted ). I have received updated credit reports, but the credit score has not been updated. I contacted the credit bureaus MULTIPLE times and have either been given the run around and/or being gaslit by representatives. I then contacted myFICO and found that the credit bureaus are not or have not submitted the updated information to myFICO, which is why my credit scores have not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX acct 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, also states a consumer reporting agency can not furnish an account without my written instruction
Product: Student loan

My federal student loans for my under graduate degree are in forbearance.

I am on the SAVE plan & have 99.99 % interest reduction + Administrative forbearance due to the ongoing litigation & legistlative considerations.

Throughout this time, my loan documents show I am accuring interest, when official notices from the government outline no interest accrued or capitalized during the Administrative forbearance for direct federal loans.

All of my loans are federal subsidized & unsubsidized loans, qualifying for the SAVE plan with the return to repayment remediation, which outlines a 99.99 % reduction in interest. 

I received an account statement on XX/XX/year> showing the interest incurred on the student loans.
Product: Credit card

For all intents and purposes, the following will be referred to as " The Creditor '' herein : Chase Card ServicesXXXX XXXX XXXX, DE XXXX creditor has disregarded FCBA and concerning Consumer Protection Laws multiple times in the last 2 weeks. 

Below is a brief list of the Federal and State violations : *charge for goods that were n't delivered as agreed. 
*failure to post credit, while the investigation is pending. 
*charge for which an explanation along with a request for clarification is needed. 

Charge of {$26.00} with " XXXX XXXX XXXX '' was disputed with the merchant since the merchant started closing the food station within 10 minutes of seating us and told us that we had to leave soon. Since we were not provided enough time for the goods, we requested a dispute to which they refused. 

The charge was then disputed with Chase but the creditor refused to investigate/provide temporary credit/comply with FCBA, even though it was told that the charge is inaccurate because the the service/goods were not delivered. The merchant failed to present proof of its investigation and the specific reasons for it 's decision. 

I request that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement along with the record/corrective course of action adopted by Chase & CFPB to address similar violations with other consumers in order to avoid further scrutiny of the same by a private legal counsel and concerning agencies : Attorney General, Federal Reserve Board etc. 

Enclosed is a copy of letter by Chase.
Product: Vehicle loan or lease

On XX/XX/2023, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into.

I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by DRIVETIME XXXX XXXX, XXXX ( DRIVETIME ) and XXXX XXXX XXXX ( XXXX ) to rescind only the illegal parts of this contract.
Product: Debt collection

In XXXX I did business with Flex Shopper, I was furloughed from the job, that I had at the time. Flex shopper sold my account to XXXX and I called they do not recall who they are, and do not know what flex shopper was I called the Attorney General, gave them my information they too do not know what is going on. They have threatened to garnish my wages or put me in jail. They also wanted me to ask family, coworkers or friends for XXXX they also wanted me to pay XXXX to start biweekly. They also mentioned that they are going to pursue since it's the end of the month, I haven't been paying them because I can't find any information on this debt collection agency they call from any other number that's associated with them. They have me scared and confused to where I became irrational.
Product: Money transfer, virtual currency, or money service

XXXX has a money transfer service that claims to transfer money top a debit card in 30 minutes and to XXXX within minutes. I first tried the card option which took the money out of XXXX and held it for 12 hrs before cancelling with no reason listed on the account portal. I then tried the XXXX  option and after several hours cancelled since the money did not get there in minutes. The money did not make it back to my account for several hours I called them. They said that the card came up expired, it was not, and they couldn't do anything about it. They also said that since I cancelled it would take 3 days to get my money back. This has caused severe financial hardship leading to extra overdraft fees on other accounts and left family members stranded w/o money. This company needs to be fined and forced to be honest about how long these transfers and refunds take up front. Many of us are living on a razors edge and stunt like this can have sever consequences.
Product: Mortgage

I have a " Home Equity Line Of Credit '' with Bank of America. They sent me a letter stating that it would be closed as of XXXX/XXXX/2016. But that I could apply for a new lie of credit. 
I called said yes and they opened an application under LoanApp # XXXX. I sent in my info as directed, I was assigned to XXXX XXXX XXXX XXXX. 
Bof A came back and told me at first that I had to Globally Li, ft for thirty days, the security freezes I have with the XXXX credit bureaus so that they could do a credit check. After many calls back and forth they stated that I only has to lift the freeze with XXXX. I did a selective lift for them and furnished BofA with a code to use. They came back and said they can only use a global lift. I told them I have been a victim of Identity Theft and would not do a global. They said goodby. They sent me a letter saying that they would not go forward with load app as I refused to give them access to my credit reports. 
I feel that I, and anyone else who has been a victim of identity theft are being discriminated against. Is this against the law?
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 transactions