23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was told false information about the school and program. They avoided all my questions that would have revealed them being a private school the cost of attendance and financial advisor never spoke with me or return my called. I asked a week before my monthly attendance to be removed from the school due to false advertising and my advisor stop contacting me or neither return my calls after the information had been revealed and I told the school that's not the information that I received. They yet have removed me and I told them about my last school who had done the same thing and that's why the advisor lied to me. I knew when she asked me do I know anyone who is interested in furthering their education that they was a scam and enrolled students telling lies just like my previous college. Advisors lie to enroll students to get paid...
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Asset Care LLC in reference to an unknown account being placed on my credit as a new account in the amount of {$650.00} on XX/XX/XXXX. After receiving information on this account I was informed that it was a medical account from XXXX that was previously listed by another collections agency. I asked the company to update the date that they have submitted to the credit bureaus to show the correct deficiency date and was told that they would not do this as they are using the date in which they purchased the debt from another collections agency. This tactic will allow for the account to remain on my credit for six additional years which is in violation of the 7 year rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Chex Systems has a current police report on file with my Chex Systems Consumer Report ID : XXXX. All the reported information and inquiries viewed by others from XXXX XXXX to XX/XX/XXXX currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries viewed by others. I have not applied for any checking or savings accounts with any bank or credit union. The credit inquiries from XX/XX/XXXX to XX/XX/XXXX is not my inquiries viewed by others or reported information. The reported information of me having a previous checking account with XXXX XXXXXXXX XXXX  and XXXX XXXX is inaccurate and fraudulent checking accounts. I have never applied for or had any checking account with XXXX XXXXXXXX XXXX or XXXXXXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Mortgage

We received our real estate taxes in the mail over a month ago. We called US Bank and they told us to fax it over, they will pay it out of our escrow account. This morning we received A Notice of Intent to File Tax Claim against us because our mortgage company to this date still has not paid like they promised.
Product: Credit reporting or other personal consumer reports

I have filed a report with EWS regarding a derogatory mark on my account. I am and have been requesting it be removed as the DOB listed does not match my birthdate that is listed on my consumer report. I have contacted the furnisher ( XXXX XXXX ) who have said they will collaborate with EWS to have it removed, but have not. This account does not belong to me as it does not match my personal information. I want to have this derogatory mark removed.
Product: Credit card or prepaid card

Synchrony Bank is refusing to resolve a written dispute about a {$32.00} restocking fee related a cancelled furniture delivery and purchase. The original purchase was on XX/XX/2022 and the entire order was cancelled on XX/XX/2022. However, XXXX XXXX system cancelled all of the order, except the {$32.00} restocking fee. I filed a written dispute with the affiliate bank of XXXX XXXX, Synchrony Bank, on approximately XX/XX/2022 and faxed a copy of my receipts on XX/XX/2022. Nonetheless, Synchrony Bank continues to ignore the dispute and claim that they are owed {$32.00}. I cancelled the order in less than 24 hours after ordering the bed frames ( furniture ) at XXXX XXXX location in-person, but online at the store 's XXXX customer service desk. I did not accept any of the items offered. The charges were originally charged to my XXXX store credit card.
Product: Credit card or prepaid card

On XX/XX/2022, I received a suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. They keep charging me and making threats to report the credit companies. Every time I try to contact the company no one seems to know about the issue. The company has removed the option from the online banking app to file a challenge to the charges. 

A few weeks ago, I filed a complaint with CFPB and the company responded by telling them that I didn't responded to the information they requested, also they claim their records showed that I had the card with me which is protected by a chip that prevents cloning. 

That information is not correct, first the charges were made on a store in the country of XXXX and second the minute I receive the alert I requested a new credit card since I dint have it or used it in years, it had no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opens up my Clarity credit report and found multiple incorrect information
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX ACCT # XXXX opened on XXXX. XXXX XXXX act # XXXX opened XXXX. XXXX XXXX  XXXX # XXXX opened on XXXX. XXXX XXXX XXXX  # XXXX opened on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX opened XXXX. 
XXXX XXXX  dated XXXX XXXX payment should be deleted. 
XXXX XXXX multiple incosistancies between Equifax, XXXX and XXXX and do no recognize this account nor given any written consent to furnish my information. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on these dates disputed below without a response or awaiting 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: Bank account or service

I opened a Discover Online Savings account which was offering a Promotional Bonus reward of {$100.00} for depositing {$15000.00}. I fulfilled the requirements, and when I did not receive my bonus, I tried contacting the Discover Bank via secure message and received quite a number of back and forth messages without any resolution to my problem. I noticed that others have also experienced similar distress as shown on the comments section of the link below : XXXX
Product: Debt collection

other XXXX DSNB MACYS XXXX XX/XX/XXXX {$1200.00} credit card XXXX XXXX XX/XX/XXXX {$0.00} credit card XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Jefferson Capital systems LLC collection amount is for XXXX this account was open around XX/XX/year> I had no knowledge of this account this is not my account I have no knowledge of this account this account is part of an identity theft this is reported on my XXXX my experience and XXXX as well I would like for this collection too but deleted from all of these credit profiles XXXX experience and XXXX thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. 

I did not give these companies the authorization to run my credit. 

These inquiries are going to have a HUGE NEGATIVE impact on my credit score.

I need these companies to tell me why they ran hard inquiries on my credit. 

Who gave you the authorization to run my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.
Product: Mortgage

I entered into a modification and assumption agreement on a property from my daughter 's estate ( attached ). Ocwen sent my paperwork to an attorney who was no longer my attorney. I did not want the attorney office involved in or having knowledge of my personal affairs because they made a mess of my finances preying upon me and financially exploiting me. I am a senior citizen and Ocwen has taken advantage of me. 

I finally got the paper work returned to me signed it and returned it to Ocwen with the first payment that was due. I have made the payments. Ocwen lied about the terms of the assumption and modification. Someone sent me a copy of the numbers used for underwriting telling me to check into it something is wrong ( attached ). 

Ocwen is telling me they gave me a XXXX dollar credit, when infact they tacked on XXXX XXXX or more to the loan and added a {$5000.00} balloon payment at the end of the loan. In addition, Ocwen added a bunch of junk charges {$3800.00} to the loan XX/XX/XXXX that were supposed to be removed when the loan was modified and assumed by me. This has never happened. I'm in a trial period where payments are current but I'm also in foreclosure, and Ocwen is trying to transfer the loan to XXXX XXXX? 

Ocwen has totally ruined this entire mortgage loan and assumption with their deceit and lies. I have tried contacting the relationship manager assigned to me, XXXX XXXX but have never been able to speak with him. I started writing down names because no one is calling me back or trying to correct these servicing issues. 

Ocwen is trying to transfer my loan to " XXXX XXXX '' to cover everything up. I spoke with XXXX XXXX, and he asked me who told me there was a baloon payment at the end of the loan and how did I find out?. XXXX XXXX has never called me back or addressed the problem. When I tried calling back I got XXXX XXXX who hung up on me because she did not know what to do and would not get someone who might have known. Ocwen can not transfer this loan until these servicing errors and numbers have been corrected. I requested a payment statement XX/XX/XXXX and have yet to receive it. There were payments made that were not credited to the mortgage account. 

These mortgage companies are worse now than they have ever been and there seems to be little if any recourse for the consumer.
Product: Credit reporting or other personal consumer reports

I have been a customer at XXXX XXXX XXXX XXXX XXXX XXXX for many years. Last week, they reported a late payment on an auto loan. First the loan was paid in full on XX/XX/XXXX ( only 31 days after the due date ). Second, I was not made aware that this payment was late. I was on this loan as a co-signer for my daughter who is in the military. When I reviewed this account online on XX/XX/XXXX, I became aware that the payment was late and I paid it in full immediately. However, it was still reported as a late payment and the credit that I have spent my life building is tarnished for several years to come.
Product: Credit reporting

Back in XX/XX/2011 I had to close an account because an ex of mine opened a credit card under my name without my permission. I was left to pay the bill, I did n't know until now that I could dispute the credit report. I was afraid he would of tried to make more purchases. He was trying to ruin my credit and he suceeded. I had to pay a lot on charges he made.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX XXXX and Equifax disputing specific accounts on my consumer report and requesting documentation to verify their accuracy. These accounts are inaccurate and incomplete. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request proper verification. Section 604 ( 15 U.S.C. 1681b ) states that no information should appear on my consumer report without a permissible purpose, which I did not authorize. Furthermore, my right to privacy under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) prohibits them from sharing or reporting unauthorized or unverifiable information. 
Credit agencys continues to mark these accounts as verified without providing any documentation or addressing my requests. This violates both my privacy and rights under federal law. I request CFPBs intervention to ensure compliance with these legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record needs to be removed from all three credit bureau 's based on unverified information. Account is suppressed and frozen with XXXX. Court does not verify with the credit bureau. Please remove bankruptcy from Equifax, XXXX and XXXX.
Product: Debt collection

I have sent a letter to TransUnion for validating a debt from XXXX XXXX XXXX. I sent out a letter on XX/XX/2023 and it is now XX/XX/2023. I have not received anything about my dispute. The credit bureaus have not responded and haven't held up their end of the deal. it has been past XXXX  days for the credit bureaus to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COLLECTION/CHARGE-OFF ACCOUNTS ARE IN VIOLATION AND NEEDS TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED. 
COLLECTION IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMITS, NO PAST DUE AND NO PAYMENT STATUS. WHEN IN VIOLATION SHOULD BE REMOVED IMMEDIATELY!!!! INACCURATE REPORTING ON DATE OF LAST PAYMENT, DATE LAST ACTIVE 1.XXXX XXXX 2. XXXX 3. ORIGINAL CREDITOR WHICH IS A VIOLATION OF THE HIPAA LAW
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally lodge a complaint regarding a significant financial loss I have incurred due to a fraudulent investment scheme and the subsequent lack of resolution from both the involved financial institutions and regulatory bodies. 

On XXXX XXXX XXXX, I was deceived into participating in an investment scheme orchestrated by individuals posing as representatives of XXXX XXXX XXXX. The fraudster, identifying himself as " XXXX, '' contacted me via text message, claiming that there was a fictitious charge on my account and that my IP and banking information had been compromised. He provided a phone number ( XXXX XXXX ) for further communication. 

Under the guise of protecting my assets, I was coerced into making a Wire transfer payment from my Citizens Bank account. This transaction resulted in a total loss of {$25000.00}. Despite partial recoveries facilitated by a scam recovery service named XXXX XXXX, I am still facing substantial financial detriment. 

After discovering the scam, I immediately contacted Citizens Bank to report the fraudulent activity and requested a reversal of the transaction. The Office of the Comptroller of the Currency ( OCC ) intervened and facilitated communication with Citizens Bank. Although Citizens Bank initially indicated they would assist, there has been no substantive progress towards resolving the issue or providing a refund. 

Despite multiple communications via email and phone, Citizens Bank has failed to provide any resolution or refund for the fraudulent transaction. 

Given the lack of response and effective action from Citizens Bank following OCC 's involvement, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance. Enclosed with this letter are copies of the following documents to support my complaint : 1. Letter to the Office of the Comptroller of the Currency ( OCC ) detailing the fraudulent activities and Citizens Bank 's response.

2. Correspondence with Citizens Bank indicating their initial commitment to assist.

3. Bank statements showing the unauthorized withdrawal and transaction.

I respectfully request the CFPB to : 1. Conduct a thorough investigation into the fraudulent activities and Citizens Bank 's failure to address the issue adequately despite OCC 's intervention.

2. Facilitate the recovery of the lost funds from Citizens Bank.

3. Implement measures to prevent similar scams from affecting other consumers in the future. 

I am available to provide any additional information or clarification as needed. Your prompt attention to this matter is greatly appreciated. I look forward to your response and the resolution of this serious issue. 

Thank you for your assistance. 

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 reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 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: Debt collection

USCB has mailed me several unwanted notices and violated my privacy several times. The last notice I received contained many violations pertaining to the FDCPA. The notice contained this is an attempt to collect a debt and stated if I did not respond the company would assume the debt was accurate. Both of these violations fall under the stipulations 15 Us C 1692 states not to do. The company has also attempted to contact me at the the most inconvenient times of the day. I called XXXX to ask them to cease communication. The representative assured me the system contain notations of me asking how I can get the account back in good standing. I never spoke to anyone at USCB nor gave them permission to XXXX  me about a debt they cant validate.