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

I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX, XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$970.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$330.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$880.00}, ( XXXX ) XXXX, 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
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act Comenity bank/ express , has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I was referred to Equitable Acceptance Corporation for a loan forgiveness/consolidation program for my student loans XX/XX/XXXX. I called the company and setup an account with them on XX/XX/XXXX. At that time I was informed that they consolidated my loans and I pay them monthly while they pay my loans off. XX/XX/XXXX I received an email from my student loan officer with XXXX XXXX College stating I was 174 days late. I called my loan officer on XX/XX/XXXX and found out that the company was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting inaccuracies on my consumer credit profile ever since the month of XX/XX/2022. They have been reporting that I am 30 days late with XXXX and Equifax in the months of XXXX and or XXXX, actually, it would change between the two months on my consumer profile which is severely a direct violation. I had sent over validated proof of my payments by furnishing my bank statement to XXXX XXXX in regards to it the inaccurate erroneous reporting. I have recordings from XXXX XXXX stating that they were going to update my consumer credit profile with XXXX and Equifax on the date of the close of my statement of last month which was XX/XX/2022. To my surprise on XX/XX/2022, when I was speaking with a XXXX representative it was updated on my profile that my account with XXXX XXXX was at the time current and never late. Fast forward to XX/XX/2022 the report was now reflecting only with Transition 30 days late payment in the month of XXXX that is a violation of the it is a violation of 15 USC 1692 G. The FDCPA Act, which entitles me as a consumer to be forewarned, have a warning that any any damaging negative information that will be reported on my customer report should be sent to me five days prior to appearing on my consumer report. XXXX XXXX has failed to do this in regards to my account. Also, too, they have failed to update the information with all of the credit reporting agencies so on XX/XX/2022, not to mention have never accredited my account the XXXX payment that I made as well it hasnt reflected in the balance at all. I sent over documentation of bank statements as well as other information that I did make my payment in a timely manner and that this information is erroneous and accurate on consumer reports and it needs to be deleted and updated as current never late. I have a recorded phone call from XXXX XXXX stating that my account has been current and never been late. So the only way to get this rectified is for them to update the information immediately on my consumer credit profile immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer
Product: Debt collection

I contacted Caine and Weiner about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a method of verification ( MOV ) regarding the items disputed in my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ), specifically those that you responded to as " verified '' in your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a reinvestigation of the disputed items as you are required by law to either : 1. **Provide me with the name and contact information of the entity or individual who provided the information you used to verify these items** ; 2. **Delete any items that can not be verified through proper documentation as required under the FCRA. ** Please understand that if the sources you used to verify these items can not be clearly identified and contacted, you are legally obligated to remove the information from my credit report. If the original sources are no longer available, or if they can not provide sufficient evidence of the information reported, the disputed items must be deleted from my credit report in accordance with FCRA regulations. 

For clarity, the disputed items that require reinvestigation are the same items identified in the original CFPB complaint. I have enclosed the relevant information for your reference, including a copy of my initial CFPB complaint and the items in question. 

Please respond to this request within the time frame established by the FCRA ( 30 days from the receipt of this letter ), and provide me with either verification or confirmation of the deletion of these disputed items. Should these items remain unverifiable or inaccurately reported, I will consider further actions under my rights through the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card or prepaid card

I redeemed points on XX/XX/XXXX and XX/XX/XXXX for {$100.00} gift cards ( XXXX ). These cards never arrived. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via message on their online account portel to inquire about these transactions. It is now XX/XX/XXXX and I still have not received these cards or given a sufficient reason why. In my view, they have stolen {$200.00} from me. 

Their reference number for this is XXXX
Product: Credit reporting or other personal consumer reports

The TransUnion credit agency is reporting the account as delinquent when the account is up to date with its payments and the only XXXX payments that were late were XXXX months during the pandemic and the creditor made it easy for me to delay XXXX months of payment and so it was and the account was correctly paid, Account Name XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXXXXXX XXXX  XXXX on XXXX XXXX from XXXX XXXX XXXX. Westlake Financial Services was appointed to be the financier for the vehicle. I paid {$750.00} as a down payment and signed the Sales Contract on XX/XX/2021. I have not received the paid license plates to replace the expired dealer tags, no billing information for the upcoming monthly car payment of {$320.00} scheduled for XX/XX/2021. This information was outlined in the signed sales contract. 

I was advised over the phone yesterday XX/XX/2021 from XXXX at XXXX Eastern time. Westlake Financial Services is no longer the Lien holder of the vehicle. I received no follow up or updates for the car loan. The dealer XXXX XXXX XXXX might try to tow or commit ( Larceny ) to my vehicle, and possibly cause damage in the process. I need to know which finance company was the vehicle loan sold too, and an account number given, so I can make my first monthly car payment on time? 

Their cooperation will be greatly appreciated! 

Dealer/Seller : XXXX XXXX XXXX XXXX XXXX Buyer/Customer : XXXX XXXX XXXX Lien holder/Financer : WestLake Financial Services -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I asked Equifax to delete late payments and adverse accounts showing collection or charge offs. I did not give written consent for these adverse accounts to be reported on my credit report, further more Equifax had a security breach in which my information was impacted. My life has been negatively impacted by this as I can not get the credit that I need at this time.
Product: Debt collection

I have no knowledge of this account or the creditor. This is reporting incorrectly on my credit report.
Product: Bank account or service

USAA has charged a significant amount of over drafts and returned item fees without providing any clear disclosure of how and why they are charged. 

USAA cut off access to USAA.com via a computer which is the only way to access accounts unless you use a mobile phone or go to a branch. There are no USAA branches in my area. 

I feel that this is unfair treatment.
Product: Student loan

Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws. My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act protects the confidentiality of student records. This breach is a clear violation of FERPA and their responsibility to safeguard my personal information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that all of my student loans be cancelled and discharge my student debt in full.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/XXXX around XXXX AM XXXX XXXX  I went through the app XXXX  looking to buy an electronic device called a XXXX XXXX. I came in contact with a " seller '' named XXXX. We talked about price and we agreed on {$800.00} and that we'd do it through cashapp and he would give me a picture of " his ID ''. After this we carried the conversation over to texting. I gave him my address for shipping and sent him the money. We continued talking for a very short time after. Once I asked for a tracking number he had already blocked me on everything and proceeded to wipe his XXXX  account. Since then I have contacted CashApp and they didn't help me receive my money back. Was then told to report a fraudulent charge to my bank so I did. And have also yet to see any progress with that. I have screenshots of all of this by the way. I also have no idea if that ID is the offender 's or not as it could easily be stolen for someone to just put themselves out there like that when scamming. I tried reaching out to my bank. They decided against me even with police reports and mountains of evidence of getting scammed and never receiving the product. The same thing happened with Cash App. It's unreal how scammers can just get away with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00}
Product: Debt collection

I have noticed hard inquires on my credit report that do not belong to me. I had called XXXX who is handling things on their end and advise for me to contact the company that made the inquire. I have done so, I had called First Advantage/XXXX XXXX along with the company that states I filled out an application XXXX XXXX   XXXX, but passing the buck that I need to contact the other to get this removed. I did not apply at XXXX. It was an error that First Advantage/XXXX  XXXX who put this on my credit report. After speaking with a representative from First Advantage/XXXX XXXX they veified they had the correct location we applied to but also had a 2nd location that was added. I informed the rep we never applied to XXXX she said contact them. I contact XXXX, she said contact First Advantage. Both are passing the buck. 

They also did a hard inquiry 2x on the same location within 8 days of each other. ( see attached ) This is the location where I did apply and move into. I asked to have one removed since they inadvertently inquired 2x for the same location. Only to get push back and them refusing to do so blaming it on the property management. 

You will see in the hard inquire the place I moved to and applied XXXX XXXX and XXXX XXXX  XXXX are 4 days apart, but after review the locations each are 3 hours drive in distance.
Product: Credit card or prepaid card

my complaint is in regards to CareCredit. They are a credit company that is used for medical ... they have promotional programs if paid off in a certain time frame there is no interest. In  XXXX  of this year my normal payment was  XXXX  I paid  XXXX  this was to be applied to the normal payment and the promotional balance that had a remaining balance of around  XXXX  which had to be paid off in  XXXX . The company applied to everything but the promotional balance. I called to have them apply the payment correctly and was told it would take 14 days. So after the 14 days it was not totally corrected. The promotional still had a balance but now it was  XXXX  ... so I just decided to make the monthly payment with an additional amount of the  XXXX  .... I also did a chat with a rep before I made that payment to verify and let the company know how I wanted the funds applied and the rep assured me that the additional funds would pay the promotional off. Again the additional payment was not applied and I am being told that I have to wait 14 days for the payment to be manual processed even though my statement is showing the payment has already been applied incorrectly .... and if after that 14 days is up and I still see the payment has not been applied properly I have to call and request the funds be corrected and that will take an additional 14 days. This will be and additional month .... in 2 days it will be  XXXX  and Care Credit is talking 28 days to fix ... remember this has been going on since  XXXX  ... that will be  XXXX  when the promotional is required to be paid or we will be paying the the full interest. In talking to the rep today if it is corrected will be charged the interest .... I know the company was sold a while back and there is no doubt that the new owners are being very deceptive. I know I am not the only one who is having this issue with this company and feel that they should be investigated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$50.00} deposit via PayPal and I had text confirmation that it would be refunded. When I learned it was a scam and not be refunded, I contacted PayPal to have then stop the transaction, hold it and investigate the recipient. They did not, they told me to contact my bank, so I did and my bank stopped the transfer from their end, but PayPal continued the transfer and now says I owe PayPal money for the transaction. I sent PayPal the text messages ( screenshot ) so they can see that this person said they would refund the money, but PayPal has done nothing to resolve this issue, except have bill XXXX harass me for the {$50.00}.
Product: Debt collection

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Vehicle loan or lease

I've never opened a car loan nor have i given anyone authorization to use my name. this is identity theft
Product: Debt collection

I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist. 
Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in  a row. 
The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays. 
I receive calls constantly on my work number which is strictly prohibited by my employer. 
I have received voice messages stating that I will be served paperwork if I do not return phone calls. 
I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature. 
The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail. 



Thank you,
Product: Credit reporting or other personal consumer reports

I have disputed information with Experian multiple times and Experian does not complete full reinvestigations. They are not taken proper steps to verify information. Experian does not properly investigate disputes and fails to remove or reinserts error on reports.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires 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
Product: Student loan

First issue is that my loans were placed into forbearance without any explanation. I received an email/app statement on XX/XX/XXXX with a due date of XX/XX/XXXX. My loans have been in repayment status since early XXXX. I checked my account as of XX/XX/XXXX and my account was still in repayment status. I then checked the app on XX/XX/XXXX to confirm that my auto debit was set up properly but my repayment status was now showing as in forbearance and I no longer have a due date or payment amount. As someone working in public service and taking part in the XXXX program, I do not want to be in forbearance. I received no notification from MOHELA as to why my loans were moved from repayment status to forbearance and I never requested this. 

Second issue is that my Statement for XXXX was provided by email/app messages on XX/XX/XXXX but MOHELA backdated XXXX to XX/XX/XXXX on the statement itself, not sure why but seems like shady practices to do that.
Product: Credit card

In XXXX 2016, I contacted my mortgage company, Wells Fargo Home Mortgage, and instructed them to start automatic payments for my next payment. I was told that it takes a full billing cycle for it to take affect. Given that the request was after my XXXX payment, my next full billing cycle was XXXX meaning that XXXX was when the automatic payment would take place. In XXXX, I paid my mortgage payment manually as I was instructed to do. Wells Fargo then proceeded to take an automatic payment out of my Wells Fargo checking account despite being told that this would n't happen until XXXX. This overdrew the checking account which caused a cash advance/overdraft protection transfer to occur from my Wells Fargo Credit Card. The process to reverse the payment was very time consuming and frustrating and I was told that the credit card department had to reverse all of the interest and fees associated with the overdraft transfers. I contacted someone at credit card and explained the situation and was told that there was nothing they could do since it was n't a bank error ( despite the fact that the ACH claim against the auto payment said otherwise ). I escalated to a supervisor who said they would reverse the charges. She reversed XXXX of the XXXX charges and did not adjust the interest. I contacted the bank again and was told that, again, it was " not eligible for reimbursement. '' I escalated to management again who said the same thing. I finally escalated past that point of contact to another manager who finally agreed to reimburse the overdraft fees. This entire process took over a month to resolve and I was told time and time again that, despite having notes on my bank account AND an approved ACH reversal, that it was entirely my fault.