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

I am writing about the inaccurate accounts reported on my credit file. These accounts were investigated and successfully deleted from my XXXX credit report. However, they remain inaccurately reported on my [ TransUnion ] credit report. 

XXXX XXXX XXXX XXXX  ( # XXXX ) ** XXXX XXXX  ( # XXXX ) ** XXXX XXXX  ( # XXXX ) ** XXXX XXXX XXXX ( XXXX XXXX ) ** Attached is the XXXX investigation summary confirming the deletion of these accounts from my XXXX credit file. 
These accounts are no longer verified and should also be removed from my [ TransUnion ] report to maintain consistency and accuracy under the Fair Credit Reporting Act ( FCRA ). 
Investigate the accounts listed above. 
Remove the accounts from my credit file if they can not be verified as accurate. 
Provide written confirmation of the results of your investigation within 30 days as mandated by the FCRA. 

Enclosed, you will find copies of the necessary documents supporting my claims
Product: Checking or savings account

I booked a trip with a company called XXXX on XX/XX/XXXX. This is the XXXX the XXXX time we have used this company over the past 4 years and have never had any issues. This year rolls around and we are in a pandemic and my trip was canceled by the company and they said we have issued you a credit for the amount of the trip. However, you will not receive exactly what you originally booked unless that is available. I knew in my mind that the trip we had planned was not going to be rebook-able at the rate I had received for what I was getting. I had reached out to the company who refused to give me any money back at all. After a week of arguing with XXXX  I went to my bank. I wanted to disputed the 3 charges on my account. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo refused to even dispute the initial 2 because they said visa will not investigate due to the age of transaction. They did issue me a credit that was deemed finalized in XXXX  of 2020! Then in the process of trying to get them to even dispute the initial 2 charges they said the company sent over a signed agreement where you forfeit your right to dispute because of the agreement. I never signed anything. Ever. I finally got the company to agree to give me a partial refund however they would not refund me {$1200.00} due to the airlines refusal to give them a refund. I said no worries wellsfargo already had given me a credit at the time ( prior to the reversal ). In lateXXXX right before XXXX without a warning I go back into my account ( I had already switched everything out due to their terrible customer service and refusal to assist me, but was waiting on XXXX  to give me a refund on my original form of purchase ) and wells Fargo had taken back the credit they had given me without any warning. They just sent my account into the negative knowing I was waiting for the refund and the 2nd stimulus. I called back again and they said we notified you. I said how? I never was aware of anytime that they had reversed the decision. No messages in my inbox. No emails. Nothing. They were waiting. They knew money would be going into that account and preyed on it and waited for the right moment because they knew funds would be available. They need to be investigated for these awful practices.
Product: Debt collection

On XX/XX/XXXX I received a letter from ERC ( XXXX XXXX XXXX ) which claimed that I owed {$850.00}. 

On XX/XX/XXXX I mailed a letter requesting validation ( not verification ) and requested the following : Explain and show what the debt is for specifically ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and registered agent ERC ( XXXX XXXX XXXX ) did not respond with the requested information as required by the State of California. 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) reported a collection account on my XXXX credit report the same day they sent the debt collection notice. 

ERC ( XXXX XXXX XXXX ) did not allow the required 30 days for validation ( not verification ). 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) updated the collections account. 

ERC ( XXXX XXXX XXXX ) violated the Federal Validation Notice [ 15 U.S. Code 1692 ] and Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Beginning XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
Product: Credit reporting or other personal consumer reports

My information was compromised it was in XXXX
Product: Student loan

Hello! I am having some issues dealing with my servicer. 

My husband had a direct consolidation loan that is from XX/XX/XXXX. Let 's call this " Loan A '' My husband also took out a XXXX XXXX loan on XX/XX/XXXX " Loan B '', " Loan B '' was consolidated to a direct consolidation loan on XX/XX/XXXX. Let 's call this " Loan C '' My husband then consolidated Loan A ( the original consolidation loan ) with " Loan C '' ( the XXXX XXXX loan that was consolidated into a direct consolidation loan ) on XX/XX/XXXX, which leaves us at " Loan D ''. 

With that being said, the XXXX XXXX loan was consolidated into a direct loan, and then consolidated into a different consolidation loan, which was supposed to take the XXXX XXXX XXXX XXXX designation out of the picture, thereby making us eligible for more payment plans. After contacting both XXXX and Mohela ( our servicer ) we keep getting told that he is only eligible for XXXX repayment. 

We are very frustrated because we followed all the advice given to get rid of the 'XXXX XXXX XXXX designation, but it appears that it was for nothing. If we consolidated the XXXX XXXX into a direct consolidation, and then consolidated that direct consolidation with another loan, why are we still only eligible for ICR? 

Thank you for any help you can offer! 

XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

My previous compliant # XXXX. I transferred money, MoneyGram reference XXXX, back in XXXX to my cousin 's son. I have tried contacting Money Gram numerous times to get the documentation they are basing their determination that the funds were transferred successfully. I even told them today that according to their response to CFPB, I can request the documentation they are using to make their determination. They will not provide it to me. They tell me they have to file a compliant, which I just filed one again today, XX/XX/21, case XXXX and someone will email me. No one ever emails back. It's been a vicious cycle and we have been dealing with this since XXXX. At this point, I would like the documentation showing the successful transfer of the funds to my cousin 's son 's bank account so that he can go to his bank and provide them proof and get his money. 
This has been a horrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXXXXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove unauthorized accounts and inquiries off my credit report Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries : 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: Checking or savings account

On XX/XX/year> I reached out to Sofi Bank because my wallet was stolen while I was in XXXX XXXX Texas on XX/XX/year>. Upon leaving the funeral services, my vehicle was broken into, my purse was thrown on the parking lot pavement and my medications were stolen along with my wallet which included my XXXX XXXX XXXX, XXXX XXXX XXXX, my XXXX XXXX card and health insurance cards including my food stamps card as well was stolen. I filed a police report with the XXXX XXXX Police Department, and provided case number that the police provided to me. I arrived to XXXX Texas on Monday XX/XX/XXXX after my uncles services and when I logged into my XXXX account I saw that my debit card was used without my authorization and the following charges were charged without my authorization, and all were done in XXXX XXXX XXXX 

XX/XX/XXXX ( This date was when the charge posted, but was done on the XXXXXXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Debit Card - {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Debit Card - {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Debit Card - {$18.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Debit Card - {$32.00} XX/XX/XXXX XXXX XXXX XXXX - {$1.00} The Dispute I made from XXXX XXXX and XXXX was denied because according to XXXX my card was being frozen and unfrozen from the app. How is that possible? When I filed a dispute in XXXX regarding a XXXX charge that was debited without my consent I was extremely upset because my card was frozen and I told them that I was appalled with how that could have happened and they authorized my dispute, so I don't understand how this could be denied based on my card being frozen and unfrozen when the card was not in my possession? I am extremely upset at this decision because I was a victim of theft and I am being punished for this traumatic experience by XXXX? So do they just pick and choose their cases when with my previous dispute with XXXX was approved knowing that my card was locked and if you see the chat transcript I clearly say I was shocked this happened precisely because my card was locked and the same thing happened again and it gets denied? This is ridiculous because I am the victim here and I want my hard earned money put back in my account immediately because I did not authorize this transaction. Also included in this dispute was a debit of {$1.00} that was done from a merchant called XXXX which I have never heard of and that was approved and the {$1.00} was credited to my account at the same time that the above transaction were done yet the {$400.00} charge was denied? The other charges are still reflecting that they are in progress and I just don't understand how one dispute can be approved and is considered fraud on the same day that the other charges were done but yet those other were not fraud?? Please help me in getting what was wrongfully and unlawfully taken from me which was my money and please help me get this money back in my account and help me resolve this issue rightfully. I thank you in advance for your assistance and consideration to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX! I call and send dispute letters. 

XXXX  XXXX, XX/XX/2022! I called and sent dispute letters. 

XXXX XXXX XXXX, XXXX XXXX I've sent dispute letters and called them.
Product: Credit card or prepaid card

I disputed a charge on my Bank of America credit card statement but Bank of America waited till the 85th day to request further information from me regarding the dispute. 
I called them a few days later and was told my dispute was closed and the temporary credit issued me has been retracted. 
Ive been online all morning and found several instances where people reported similar happened to them. 
Please update your records to reflect that Bank of America is not fair and does not adhere to its due diligence to customers during disputes. 

Kindly refer to my initial report filed XX/XX/2022 # XXXX Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been victim of identity theft.
Product: Mortgage

My mortgage was transferred to Green Tree Servicing in XXXX, 2015. It was at this time I found out an escrow account had been placed on the loan by XXXX ( the prior loan carrier ). I contacted XXXX and showed proof I had home insurance and they immediately flat-cancelled the policy and refunded escrow fees to Green Tree ( since they now had my loan ). Since that time I have been trying to get Green Tree to cancel the escrow and refund all escrow fees. I called in XX/XX/XXXX and they asked for copy of email from XXXX showing the insurance was flat-cancelled. I mailed that in but still no resolution from Green Tree. Green Tree has NEVER responded to me except for canned email responses which say it takes 30 days to respond. I have kept copies of all emails and letters mailed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I discovered my account ending in XXXX was no longer available for view on my online account. I called Capital One and they informed me that my account was closed by the credit reporting agency due to my account being opened fraudulently. I never received a letter or warning regarding closure of my account my first time having any knowledge was when I called to inquire. Fast forward to XXXX Capital One has refused to reopen my card and is now reporting a new card ending in XXXX. I've never had a card ending in XXXX only XXXX. Is this legal? When I called to inquire why the card number was different they told me it was because of the " fraud '' placed on the account. I just want clarity why my account number was changed without my consent or acknowledgement.
Product: Debt collection

SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I DONT HAVE XXXX XXXX  ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these reports to go to all three credit bureaus. Equifax, XXXX, and XXXX. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid my credit card balance in full for the last month. as starting from XXXX $ balance. Experian lowered my FICO score 25Points for paying the full credit card debt. 

i called and talked to the rep from Experian and was told there is nothing they can do. 
why my credit score is decreased instead of going up by paying my credit card in full. 
i am still using the credit card and have XXXX $ as of today and will be paid next month. 
i am working as an XXXX XXXX and lowering my FICO will hurt me in term of getting jobs.
Product: Money transfer, virtual currency, or money service

Follow up to Complaint Number XXXX. Remains unresolved. 
Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. 

There is a serious disconnect between what the Social Media Team on XXXX is telling me and what the CFPB is telling me. One telling me to set up new account. The other to request password be reset. Which is it? I have submitted information to have password reset. I have also tried to set up new account. In each case I receive pop up on phone that states " unable to sign on on this device. '' No other financial institution. No bank. No Credit Union. No Investment House. No P2P payment system requires this or makes users go through this process. 

Response from Social Media Team on XXXX. XXXX  XX/XX/XXXX. 
Again, you need to create a new account using a new phone number or email address. The reason you are having trouble making a new account, is due to you likely attempting to use the phone number and/or email address linked to your other account. 

Response from CFPB Monday XX/XX/XXXX As set out above, after several unsuccessful attempts to log into your Cash App account with your PIN, the PIN is automatically locked. Cash App Support has offered to assist you with resetting your PIN. At the time of this writing, we are currently awaiting your responses to the email sent to you on XX/XX/2021 in order to verify your account information, and once verified, your PIN will be reset. Please review this email correspondence and respond at your earliest convenience. We hope this response satisfactorily addresses your complaint.
Product: Debt collection

I RECEIVED SEVERAL COLLECTION LETTERS REGARDING CREDIT CARDS THAT WERE OPEN IN MY NAME AND NOW THERE ARE BALANCES DUE. I HAVE NOT OPENED ANY CARDS BECAUSE I AM UNEMPLOYED AND HAVE BEEN FOR THE LAST 7 YEARS. I DON'T HAVE ANY INCOME AND I DEPEND ON OTHERS TO HELP ME OUT. I HAVE BEEN GOING THRU XXXX AND XXXX  ISSUES AND I DON'T HAVE THE CAPACITY TO DO SO. I AM THE VICTIM OF ID FRAUD AND HAVE BEEN FIGHTING AND BEEN HAVING SOME OF MY FAMILY MEMBERS HELP ME CLEAR MY NAME. PLEASE CLOSE THE ACCOUNTS AND REMOVE THEM FROM MY NAME AND CLEAR THEM FROM ALL THREE CREDIT BUREAU REPORTS AS THIS ISN'T ME OPENING AND PUTTING CHARGES ON THESE ACCOUNTS.
Product: Debt collection

XXXX XXXX XXXX in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on public assitance due to raising XXXX   kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past 13 years.

I called the company they are choosing to represent them ( XXXX XXXX XXXX in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX credit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/
Product: Credit reporting, credit repair services, or other personal consumer reports

I trying get my taxes deposited on an bank card and ask me buchnch of XXXX question that I don't rember the answer due a XXXX XXXX I had so its hard for me to remember the answer to even get my taxes that I rightfully owed to me due pandic it been hard to do any thing I had car actin just aweek half ago and I have a bad head injury cause me to even remember old number and address at this point due to what happen to me I only have remember after actent not before any more and this pontin in time doctor said give it time that I should get those members back in time XXXX XXXX XXXX
Product: Credit card

Discover Credit Card has charged me over {$300.00} in late fees, ever since my income suffered during covid. They then closed my account, bc of late payment, yet still expect payments on the account, monthly, at arate of close to XXXX XXXX. The balance is now about {$300.00}, So, to avoid collection or judgements, Discover wants me to make installmet payments on a balance that consists entirely of THEIR FEES, at a very high intertest rate as well. 

I tried to settle account w Discover, but they would not even come down, never mind simply waive the back fees and zero out the balance, on my account that THEY CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided false credit scores to lenders, affecting millions of consumers. I applied for credit and was denied. Their reporting of false information is hindering my ability to obtain credit which also places a hardship on my livelihood.
Product: Credit reporting or other personal consumer reports

Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!