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

i recently pulled a copy of my credit report and saw these inquiries date of the report is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX Home phone : XXXX XXXX XXXX I Have Attached a copy of my experian Credit report WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting

My name is XXXX and I am asking for an investigation on my credit file and then for it to be updated in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one bank usa reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several times to call and speak with LoanCare regarding LoanCare inaccurately reporting our account number XXXX as late by 90 days in XXXX. I finally got connected to a lady name XXXX, who provided me with an email address to deal with the credit reporting error. On XX/XX/XXXX, I received an email indicating a ticket number that they had assigned our account to LoanCare 's Loss Mitigation Team for review and resolution, but I have heard nothing since.

Meanwhile, we are moving and our mortgage loan approval and interest rate are being affected by this errant reporting. Below is background information regarding this inaccurate credit reporting by LoanCare as detailed in my email to LoanCare : Due to the pandemic, we applied for and were approved for a 90 day payment forbearance ( see attached letter dated XX/XX/XXXX from LoanCare approving the forbearance Confirmation number XXXX ) Due the continued unknown future of the pandemic and the Stay at Home Order, we could not rent the subject property collateralizing this loan, so we called and were provided with a 90 day extension through XX/XX/XXXX. ( See attached letter dated XX/XX/XXXX and out handwritten notes on the letter - Confirmation number XXXX ) On or about XX/XX/XXXX, I noticed through my XXXX and XXXX accounts that my credit score had gone down by about 50 points. I researched the matter and found that LoanCare had reported the subject loan as delinquent 90 days. I called LoanCare and spoke with a lady that said LoanCare did not report us delinquent and that I had to go to the credit reporting agency for resolution. I contacted XXXX, and after a few weeks, they sent a report indicating that the issue had been resolved, and my XXXX and XXXX credit scores are now both back around XXXX. ( See attached letter from XXXX  dated XX/XX/XXXX ) I am now applying for a loan to purchase a new home and my mortgage company informed me that LoanCare is still showing my loan as 90 days past due ( See attached credit report, page 3 ).

Please note that the subject loan was never past due and was paid in full through sale of the property on XX/XX/XXXX. Coincidentally, that is the date that LoanCare reported our loan as 90 days past due. We never received any past due notices.

My wife and I have never been past due on any payments in our lives, and this is affecting our credit availability.

LoanCare is not being responsive. There customer service phone number is ( XXXX ) XXXX. Please help!
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts appeared on my credit report from Professional credit analyst with the date of XX/XX/2018. The collection account belongs to XXXX XXXX XXXX. I have no knowledge of this account. After attempting to get the debt validated by the collection agency with no success, I have filed a complaint with the XXXX  and consumerfinance.gov in hopes to get these collections removed.
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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable esponses, and failing to adequately notify consumers of dispute outcomes. These ailures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I rovided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

I have been teaching in the same public school system since XXXX and have outstanding student loans, which were consolidated to make them eligible for the Public Service Loan Forgiveness ( PSLF ) program. 

With the introduction of the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) plan, my student loan should be forgiven based on the guidelines laid out in the TEPSLF. 

My student loan was transferred to MOHELA in XXXX of XXXX. On XX/XX/XXXX, my entire monthly payment history from XX/XX/XXXX through XX/XX/XXXX was visible in my account and I could see all of my payment history. Within a few days, XXXX XXXX of history ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was no longer visible in my monthly payment history. 

I have spoken with MOHELA multiple times about those missing time frames, especially the time frame of XX/XX/XXXX through XX/XX/XXXX since I was with MOHELA at the time. MOHELA was able to add in the time frame of XXXX XXXX XXXX. As of now, I am still missing the payment history from XXXX XXXX XXXX ( 23 payments ) and XXXX XXXX XXXX ( 71 payments ) for a total of 94 missing months of payments. That time frame coincides with the time that my loan servicer was XXXX XXXX. 

I spoke with XXXX XXXX and they said that they aren't able to help me since my consolidation to make my loans eligible for PSLF. 

Currently, my qualifying payment total is 96 payments. Because of the guidelines of the TEPSLF, if all of my monthly payment history was in my account, my loan would be granted forgiveness with over 190 payments. However, with 94 missing payments, I remain in this limbo. 

I have called MOHELA multiple times about the missing years of payments and the message is always the same - 1 ) We can't change it until it shows up in my Federal Student Aid history ( it does and I tell them this ) or 2 ) When they do my latest Employment Certification Form ( ECF ) all of my past history will show up ( it hasn't despite having my ECF recently certified in XXXX ) or 3 ) they transfer me to a supervisor and after waiting the phone disconnects. Basically, I get nowhere and nothing gets done while I live in this infinite loop of calling MOHELA. 

I have also filed a complaint with XXXX XXXX XXXX. I filed the first complaint on XX/XX/XXXX. I never received a call from them ever or email. When I called them about the complaint, they tell me that my history is there and MOHELA has what they need for my account to be correct. When I asked why I never received a call back from them, they can't figure it out. They try to send me to the right person to talk to but apparently they have no way to transfer me. I don't understand. I filed a new complaint on XX/XX/XXXX to see if there is some way that XXXX XXXX XXXX can help me with my problem. I am still waiting on a phone call back from them. Based on my history with them, I don't anticipate this happening. 

I have kept a log of every time that I have spoken MOHELA, FED LOAN, XXXX, XXXX XXXX and STUDENT AID. I have attached this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.
Product: Credit card

They closed my account. I kept making payments now account is at XXXX balance but they closed my account.
Product: Credit card or prepaid card

Called and spoke to a representative on XXXX/XXXX/XXXX and expressed how I was a victim of XXXX XXXX. I inquired about a goodwill credit that they were offering and I qualified for {$100.00} that would not be required to be paid back. The representative also said that he would refund some of my interest charges as well which would take XXXX hours to reflect on my account, but the goodwill credit would show up within an hour. I am always aware of my available balance and once both credits hit my account my available balance brought my account balance to {$360.00} which included my payment I had just previously made. My limit is {$500.00}. Today I check my account to see that my balance was {$570.00} which would put me over the limit. I was told by a representative that I continued to use my card after the available balance was gone which is false. I charges go through immediately and my available balance is updated immediately after my card is used. There is no way that any charged could have gone through after that available balance was at XXXX it would have automatically denied. All of those transactions were done in person and would have declined. I have closed my credit card account effective today due to the customer service reps including a supervisor that basically told me they could do nothing about what I was told by a previous representative or what took place on my account. This is very frustrating and was the last thing I wanted to worry about after a disaster such as XXXX XXXX. I am also considering closing my bank account with Capital One due to this error. I have been a customer of Capital One for a while and am very disappointed that I am even having to make a complaint. But no one wants to take responsibility for this mistake on their part.
Product: Debt collection

Account is my fathers as the bill they just sent proves. He filled bankruptcy in 2018
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 Experian and XXXX 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 this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Checking or savings account

I received a mail from Citi that on XX/XX/2022, Citi bank closed all my accounts without providing any reason. Not long after, I called the number that was provided in the notification trying to understand why and maybe fix the issue. The Citi bank representative couldn't provide any reason, the decision is permanent and said another mail explaining why will be sent to you in XXXX days. But i haven't received anything since. I also ask when I can have my money back as I have {$75000.00} in the Citi Priority saving account. The representative didn't have an answer either. I have also tried to log into my account, but Citi has blocked my access, so I can not view or access everything such as bank statements. 
Now I am wondering if Citi is going to return my deposit back to me. It is a lot of money and it is my money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

I put in a {$970.00} balance transfer from Upgrade to XXXX. For some reason, they sent me a new card with a different number with the same old balance.
Product: Credit card

They advertise theyll give you {$50.00} if youre not approved by a credit card but thats not the case. You have to jump through hoops and still wont receive the {$50.00} be careful dont ruin your credit because they dont hold up to their end of the bargain!
Product: Vehicle loan or lease

I, XXXX XXXX, leased a new XXXX BMW XXXX on XX/XX/XXXX. Did a lease transfer on XX/XX/XXXX, approved and authorized by BMW XXXX. I, the original lessee, signed the transfer agreement on XX/XX/XXXX, the new lessee, XXXX XXXX signed the agreement on XX/XX/XXXX. The transfer was then completed. I then shipped the vehicle to XXXX. the transfer agreement is now exhibit XXXX. 
XXXX then went to California XXXX on XX/XX/XXXX, filled out a vehicle/vessel transfer and reassignment form, without my knowledge and consent, said the original title owner was me ( should be under BMW XXXX XXXX, forged my signature and did a questionable title transfer to himself, XXXX then XXXX the legal title owner to the BMW XXXX XXXX the vehicle/vessel transfer form is now exhibit XXXX. 
BMW has now repossessed the vehicle, and BMW financial  has now sued me for : 1 : fraud 2 : breach of contract 3 : common count 4 : declaratory relief 5 : quiet tile 6 : injunctive relief amount of claim {$73000.00}. in addition, BMW is trying to rescind/void the lease transfer form which both original and new lessee signed and approved by them, on XX/XX/XXXX. 
BMW financial has never try to reach me regarding this matter. my phone #, email and address has not changed. I only found out about his XX/XX/XXXX, from the complaints served by XXXX XXXX XXXX XXXX XXXX. 
I have not breach my contract. credit report shows my account opened with BMW on XXXX was closed, paid and never late. I have not transfer vehicle title ( it's impossible because it was a lease ) lease assumption was approved by BMW financial. they have no right to rescind/void signed contracts at their own free will. 
according to exhibit 3, the lease transfer agreement was signed by me on XX/XX/XXXX. after that date lease is transferred and I am no longer responsible for the vehicle. BMW is now trying to blame me for their mistake, rescind the transfer, make me responsible for the remaining lease payments, pay for their damages and attorney fees while the vehicle is in the possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Ally after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with GMAC/ALLY AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the Ally is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been working with XXXX for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX and XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and XXXX refused to work further on investigating. I have made multiple calls to XXXX, and they have been extremely unprofessional and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US BKPT CA XXXX XXXX Reference # XXXX XXXX. 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. Lexis Nexis did not conduct a proper investigation according to the FCRA. Nexis Lexis did not conduct family members. Nexis Lexis did not accurately verify with the courts. The courts clearly said they do not verify or give information to any consumer reporting agencies. Therefore, Nexis Lexis either made a mistake or lied. I was not able to submit documents. I can mail or fax documents from the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts on my credit are more than 10 years old ... .i have filed 3 disputes with equifax and they have done nothing ... .disputes were wrapped up quickly leading me to believe that they didnt even contact the credit union ... timeline is way to short for them to have investigated this ... ... accounts ( charge offs ) shouldnt be on credit after 7 years and at the most 10 years ... both of these accounts are 10 years old and i have requested 3 times that they be removed ... ... .both to XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting totally inaccurate information
Product: Debt collection

I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts.

1 ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance
2 ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company.

3 ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again.

Collection agency seemingly don't or won't. Which confuses me more.

4 ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without.

5 ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXXXXXX XXXX, rust bucket, with XXXX miles and i can not move forward without a better credit report. 
6 ) someone is not telling the truth or being on the level, and it isn't me.
Product: Credit reporting or other personal consumer reports

XX/XX/23 I requested a re investigation/method of verification a collection account is reporting as an open account, XXXX and reporting a past due amount collection cant not report as open nor have a past due reporting this is inaccurate reporting... 15 use 1681s 2 ( 1 ) ( d ) ..15 use 1681 2 ( 1 ) ( b )
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX XXXX took {$1200.00} out of my checking account at Chase Bank. I didn't sign the paper to authorize it. So they let my daughter sign before they would leave! The problem is that my daughter was not on my account! It was only me on the account. They caused my account to be overdrawn! I filed fraud charges against the movers and Chase let them have the money any way because I didn't have a receipt! You can't get a receipt when it is fraud. So when I got my first social security check in XXXX it took almost all of my check for the overdraft!