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

XX/XX/2022 : two unauthorized charges came through to my account. XXXX and XXXX. I reported to current that day. Immediately in fact. They said to wait until it was not pending to file dispute. Dispute filed the moment the payments posted. They closed dispute within four days saying no error was found & that I could get a copy of the investigation. I chatted with customer service and the email they gave me, and never have gotten a copy. They never issued the temporary refund as per their policy and will not answer why they didnt. I reporter within the two business days and send current to their strictest set of proofs to show I did. In chat. It is the only way to speak with anyone there. Their phone does not work. 

Since an error WAS made, because I never authorized the charges, I contacted both merchants who said it was current who acted fraudulently. They refunded the money. Current has not posted the refund and I am beyond the merchants time frame for it to post. Current says to contact the merchants. Both say Current has the money. Current has not posted it. Current is robbing me. I need need need that money. It is for treatment for XXXX. 

Also, at one point, the proof of refund I tried to submit all of a sudden wouldnt send. 

I tried to reopen the dispute as well and current would not reopen it. I gave them all the necessary paperwork. They did not reopen.
Product: Debt collection

On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX. 
I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer. 

I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past. 

I find this companies tactics disturbing to say the least.
Product: Student loan

In XXXX I was granted a loan forgiveness from Navient due to being declared XXXX XXXX XXXX XXXX XXXXXXXX. On my credit report there is a negative that wont go away until XXXX. Its like an anchor tied around my neck I cant get my credit score up to where I feel it should be. Ive been a very good boy for years making all my payment s on time but this still keeps me down. If this is forgiveness it comes with a hook. Its the only bad thing on my report. I was well into default when they granted it because I couldnt work when my injuries became too much to bare. So on my credit report it shows as 120 days late and 4 late payments. These days I can barely survive so Im trying to see if I can make this go away. And truly receive forgiveness. Thank you, XXXX
Product: Credit card

On XX/XX/year>2024 ( CFPB XXXX ), I contacted Wells Fargo about my account ending in XXXX and specifically asked them to verify the source of funding for my account. Wells Fargo responded with : " We have contacted our Risk department and asked if the detail of account activity for the Wells Fargo account funding your credit card can be shared. We were advised, no, we will not be sharing internal strategy information with customers. '' Since Wells Fargo refuses to provide the source of funding and can not verify this information, the reported balance on my account is unverifiable. This is why the balance should be zerotheres no proof to back it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank you for any help that yo u may be  able to provide. I have called in to trans union and have asked that info be updated properly. I called into trans-union and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, customer service would not help and take care of the negative inquiries reporting to my credit report. Please help, I am not getting anywhere. The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to followup with Experian after they have not answered my numerous calls and letters I sent it to fix the errors on my credit report. I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX XXXX  and the us small business administration inquiries. credit plus did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX  XXXX XXXX  Loans ) 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was stuck at work XXXX my son was the last kid to leave school that day.. Citibank blocked my account said multiple suspicious activity was going on my account nobody contacted me or emailed me or asked me for proof nothing just hold my money and work check from XXXX to XX/XX/XXXX they were taking money out of my account without my acknowledgement nor did I give permission to do so we now in the end of XXXX me and my son are homeless and sometimes no food to eat for the day because of this they failed to tell me the reason but tell strangers my personal information about my account and they hung up on me refusing me a supervisor at this point I feel like thats very XXXX behavior especially when a business cant show you proof of something they are holding my money XXXX  for is ridiculous and now we going in XXXX yet no one contacted me about this matter
Product: Debt collection

I am writing to formally dispute the inaccurate information that Columbia Debt Recovery, XXXX Genesis has reported to the credit bureaus ( XXXX, XXXX, and XXXX ) regarding a debt allegedly owed. Columbia Debt Recovery reported a debt to the credit bureaus indicating that I owed {$4300.00}. However, this information was incorrect from the beginning. After my dispute, Columbia Debt Recovery adjusted the amount owed to {$1600.00}. This adjustment was reflected on all three credit reports. 
While I appreciate the correction of the amount, the fact remains that the initial information was inaccurately reported. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be complete and accurate. The inaccurate reporting of the original amount has caused damage to my credit score and financial standing. Given that the original reporting was inaccurate and misrepresented the actual amount owed, I request that Columbia Debt Recovery immediately remove this account from my credit reports. According to the FCRA, consumers have the right to dispute incorrect or incomplete information, and the reporting agency must correct or delete inaccurate or unverifiable information within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), Columbia Debt Recovery is prohibited from engaging in any false, deceptive, or misleading representation regarding the character, amount, or legal status of any debt. The original reporting violated this statute. 

Resolution Requested I am requesting that Columbia Debt Recovery : Immediately cease reporting this inaccurate debt to all three credit bureaus. 
Remove all references to this debt from my credit reports with XXXX, XXXX, and XXXX. 
Provide written confirmation that the inaccurate information has been removed from my credit reports. 
Thank you for your prompt attention to this matter. I expect a resolution within the timeframe allowed by law. Please be aware that failure to comply with this request may result in further action on my part, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from Experian, XXXX, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, XXXX, XXXX. 
I believe that Experian, XXXX, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
Experian, XXXX, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Debt collection

The debt has already been paid in full but it is still showing on my credit report as unpaid. Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX ) Account : EDFINANCIAL ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FORMELY XXXX XXXX The last past payment reported on my consumer report with this account is incorrect. 

Ive notified Transunion of this via : certified mail. 

( Attached ) Circling the inaccuracies. They have ignored my dispute changing nothing. 

( Note : this is my XXXX dispute ) I have attached my credit report, it shows a last payment of XX/XX/XXXX. That is incorrect. 

In fact, the accounts historical trended data shows a last payment made XX/XX/XXXX ( attached ) How could there be two LAST payments? 

This is reflecting an incorrect month and year the account would remove from my report. 

As the FCRA states I ask that this account is complete, timely and accurate if it is reporting to my consumer report. If not, remove it in completely.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 intrusions. 
XXXX. XXXX XXXX XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXXXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account
Product: Mortgage

Fifth Third Bank in Ohio services my Loan. I recently filed a complaint and it was dealt with and closed, # XXXX. However, the bank staff did not complete their responsibilities and I had to contact XXXX XXXX for Assistance. Fifth Third is again abusing my funds in my mortgage account. 
FEMA stopped providing flood insurance several years ago and their customers were transferred to the National Flood Program. During that time, FEMA quoted me {$3800.00} annually when I was paying {$460.00} for over 10 years. I was in a panic but they told me that my servicer would provide forced flood policy, which they did for several years, maybe 4 years and the cost was from {$960.00} to {$1300.00}, it varied. During my Covid Closing/Deferral etc in XXXX, finally after 11 months of problems at Fifth Third, they Loss metigation person instructed me that I could get flood insurance much cheaper on my own now that it was farmed out to insurance agents through the Nat Flood Program . I found coverage for {$520.00} annually and obtained a policy and sent proof to Fifth Third. I also followed instructions to send my written request by email to close the escrow and my my mortgage payment would be reduced back to normal. Before Escrow, my payment was {$470.00}. It has changed over time with the escrow added.

I have received two statements from Fifth Third and made the following payments. {$340.00}, {$580.00} which was to cover the negative forced flood insurance payment they made on my behalf and close escrow. However, my loan was closed before all that occurred. My statement shows active/open escrow account with {$520.00} current balance and my payment mortgage payment was reduced from {$580.00} to {$550.00}, which still included {$82.00} monthly escrow payment. My policy I bought privately is paid through XX/XX/2023. By that time, they will have collected {$980.00} and my escrow will be {$1500.00} for a flood policy of {$520.00}. 
I did not open escrow, I do not need escrow, I have asked for it to be closed again, and again. At the present time, it is being analyzed to determine the problem. 
I do not want escrow, I do not need escrow. That money is my grocery money. I am XXXX and on SS and XXXXXXXX XXXX income. I pay my own house expenses including property taxes, homeowners insurance and flood until FEMA changed over to NFP. I appreciate Fifth Third providing the forced policy but I no longer need it with a premium of {$520.00}. They are escrowing me for the forced flood amount and a slight buffer, which is not needed. This is illegal.
Product: Debt collection

They're trying to get information out of me, claiming I have this debt, but it is a result of a fraudulent account created in Florida ( I don't live in Florida ). 

I got a phone call from Genesis and they wanted to verify my identity with details such as my birthday and email address. They have my phone number and name and don't need other identification, especially since the fraud came through one of their customers.. They were upset and disrespectful to me for not wanting me to share details that they should already have had.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about the incorrect addresses " XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' listed on my Experian credit report. These addresses are not connected to me, which violates the Fair Credit Reporting Act ( FCRA ) that requires credit reports to be accurate. 
These mistakes are frustrating and increase the risk of identity theft. I am requesting the immediate removal of these incorrect addresses. This will help protect my financial records and prevent future issues.
Product: Mortgage

On XX/XX/2019 we purchased a home with Financed of america mortgaged was are lender. we Harley had not that much communication by face to face only by phone and email. we did the settlement and was not explained that much information on the papers we signed and we didn't know about the two mortgages that we signed. One month later we received a paper from a company called state bridge its a company that is a collector we called because it was a bill on the amount of XXXX. we were told that its a loan that we took out for the house. we told them that we never asked for a loan for the house we were told that we only need so much down. But the XX/XX/XXXX said that finance of america mortgage does not tell the people that they need more money for the down payment so they go ahead and take out a loan in are name with out telling us.. we were never told about anything in the prepossess of the house. we think this is a fraud of this company to take out a loan with out are consent. that's why i think this company should be investigated we are not the only one that finance of america mortgage does this to us its been done to other people and they have to pay for a loan that they never asked for. the day of settlement we were not explained anything on the papers that we signed or why we had two mortgages. everything was a go go and never explained any paper worker that we signed. and they also threat you that if you don't give them information so that they can do their closing by such time that they will proceed with that if you don't give them the documents they have the option to pull the note meaning that your loan will be due in full. this company is a fraud and i think it need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX XXXX XXXX XXXX disputing the reported amount due from PENN CREDIT CORP # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however XXXX XXXX investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through XXXX XXXX. I've attached a copy of the statement from XXXX.
Product: Debt collection

I ported my XXXX account to a different vendor on XX/XX/XXXX. I called my local store to let them know I ported and to obtain the remaining balance to the account. Since my pin was resetted on XX/XX/XXXX upon porting, I didn't bother to memorize or save pin. I didn't think I'd need it in all honesty. Well without the pin, it became a complete night mare of frustration. Countless, times I called, I asked to use my SS # to Identify me as that was not an option. I requested to speak to a manager various times, only to be placed on long paused holds, to advise me they are not available and they have the same access as them. At times I would be re-routed a number of 4x only to talk to the first person that initially took my call. I sent them a letter of validation since now I am receiving countless calls from the collection agency per day. They responded to my letter of validation with a bill and continue to violate the 30 day grace period. XXXX store agents, also stated they only handle sales, all billing related would have to be called in. Their customer service falls into deaf ears. 

Also I am not on a prepaid plan. I am going to provide helpful information to expedite and resolve this as quickly as possible. 

Client # XXXX ( with RPM ) Receivables Performance Management Current Creditor p1071 T-Mobile Balance Due : {$120.00}
Product: Checking or savings account

I joined their XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX that operates and manages your amazon store for you, in return you give them {$30000.00} up front to manage your store and then 30 % of your profits quarterly. They said they would not make one XXXX  from you in the first year till you made a profit, and that was in the contract that I signed. I first spoke with one of their recruiters who promised me that I will be having an AMAZON store up and running within six months of joining and, would be seeing a return on my investment of an average of 200 % or, {$450000.00} after the second year. They said they were running XXXX  amazon store as well as XXXX  XXXX amazon XXXX. They said they have a combined experience of fifty years plus and, had personal warehouses in XXXX that they deal with directly to order and would send my products to the United States for me. They said they would build my store to run on its own and all would need to do is give them an additional {$30000.00} for my products once they were ordered through their suppliers in XXXX. After joining I would have a monthly XXXX  call with them for the first few months and would be getting updates weekly or as things progressed. I did hear from them periodically, then all emails, XXXX  calls, and communication ceased. I was then emailed by a XXXX XXXX that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed by XXXX XXXX XXXX on XX/XX/XXXX. I also found out that there were XXXX plus other victims of this XXXX  Scheme conducted by XXXX XXXX XXXX I also found out that they are still conducting business as usual event though they filed bankruptcy. There are numerous XXXX videos of XXXX XXXX and his team professing everything I just said as well as websites still up and running. I would like for all involved in the XXXX XXXX XXXX investors XXXX SCHEME held liable for taking not only my money but everyone else who was a victim of their lies and deceit. I would also like to be reimbursed not only for my monies lost, but for emotional and stress incurred by all of this. 

I paid them the {$30000.00} on XX/XX/XXXX for them to operate and manage my Amazon XXXX, which they never did.