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

I contacted this company on XX/XX/year>, And I told them that I never applied for a credit card with them, they stated ok and would make it as fraud, but I see it's still showing on my credit report. I never received this card.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Noncompliance with the Fair Credit Reporting Act Dear Recipient, I am submitting this formal complaint regarding XXXX 's failure to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has failed 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 XXXX, citing systemic failures, including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and failing to provide adequate notification of dispute outcomes to consumers. These practices are consistent with my personal experience, where XXXX has not corrected or removed disputed items on my credit report despite the evidence I provided. 

XXXX 's inaction has caused ongoing harm to my credit standing and constitutes a violation of federal law and my rights as a consumer under the FCRA. I am formally requesting immediate corrective action to remove or amend the disputed accounts to ensure compliance with legal standards. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my report, both XXXX and XXXX. I have filed a police report and was sent to Bank of America, XXXX and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : 1- police report 2- FTC report 3- dispute the account with creditor 4- dispute the account with credit bureaus 5- submitted supporting documents 6- submitted identifications documents Bank of America is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted Bank of America and reported this fraudulent account . I also went to the bank in person as I was instructed and followed all Bank of America procedures to remove the account with no luck. 

Account number XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy operates as an FCRA restricted enterprise that controls access to check cashing services. I attempted to cash my payroll check at my local XXXX. ( I have direct deposit but my hours were not submitted by my supervisor and so the corporation had to cut me a paper check and overnight it to me. I was given a printout with information to follow up with Certegy. Their reason for the denial : " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' In other words, we're not going to let you cash your check because we said so. There is not immediate access to obtain this cryptic information. I have only had one odd check cashing experience. My doctor 's office resubmitted my office visit account information because I have secondary health insurance. The office sent me 15 separate checks in mostly {$40.00} and some {$20.00} denominations. There were approximately 15 checks. I attempted to use my phone apps to deposit in my XXXX and XXXX card accounts. Both refused the checks I received from my doctor 's office. Ever since, I've had trouble with cashing checks. 
My complaint is the cryptic nature of the denial information available from Certegy. They hide under the guise of FCRA but don't operate with any transparency and have no means of appealing their determination.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX. 
XXXX XXXX XXXX BANK XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Incorrect Account Type and Reporting Issues The account is listed as a " Loan, '' but XXXX is not a financial institution that issues loans. This misclassification misrepresents the nature of the account and violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Placed for Collection Without Proper Verification The remarks indicate that the account was " Placed for collection '' and " Disputed by consumer, '' yet no validation of debt has been provided. Reporting unverified collection accounts violates 15 U.S.C. 1692g.

Missing Payment Information and Status Discrepancies The account shows no reported payments but lists a balance of {$620.00}, implying missing or inaccurate payment history. This lack of reporting clarity impacts my creditworthiness unfairly.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to place a credit freeze with Equifax, but somehow they have merged my equifax credit with my deceased father 's equifax account. ( His name shows up on my account. ) The problem is, due to their error, I can not add a credit freeze on my Equifax file. 

I have tried to call in multiple times to fix this so that I can add a credit freeze, but their automated system will not allow me to speak with a live person, and it hangs up on me once I answer their automated questions. ( Since they somehow erroneously merged my account with my father, the answers I provide are triggered as incorrect. ) I havw also emailed Equifax multiple times to find someone who can help me fix their error, so that I can freeze my credit. I have had a couple of equifax eployees reply via email that I need to call in ( again, their phone system won't let me ).

I have asked on multiple times ( nicely ) to see if I can speak with a live person, but have not been connected to one yet. 

I can not afford to have my credit unfro, en this long .... I need to FIRST freeze my credit, ans then have equifax correct their mistake of merging my account with my deceased father 's equifax file. 

I am not mad, I'm just need this fixed quickly because it's jeapordizing my credit by not being able to freeze my credit. ( Especially with Equifax 's recent data breaches. ) Can you just help me get Equifax to correct their problem that is blocking me from putting a credit freeze on my account? It's crazy that they can, make an error like this but not help me connect with someone to help me fix this! 

Thank you so much, I appreciate your help very, very much. I've just worked VERY hard for good credit and their error is putting my credit and financial health at major risk. 

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

On XX/XX/2022, I ordered from XXXX website - XXXX XXXX doing business as ( d/b/a ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I ordered one ( 1 ) handheld language translator plus warranty and extra long cord for an approximate total cost of {$120.00}. Unfortunately, something was amiss, not disclosed or was clearly misrepresented. My PAYPAL account was charged {$260.00} for five ( 5 ) handheld language translators and {$84.00} for warranties totaling {$340.00}. Steps taken to return merchandise in accordance with sellers return and refund policy plus numerous efforts to obtain a refund through Paypal 's dispute resolution have so far resulted in denials and findings in favor of the Seller. Despite written emails from the seller confirming that refund is in process, to date, my PayPal account has not received a return of funds from the Seller. Warranty fees charged by the seller has not been acknowledged as part of money to be refunded.
Product: Checking or savings account

Bank of America began withholding funds from banking deposits for over a week and not make the funds available. This is a shameful practice during this time of difficulty. And I have my account with them for over 2 decades. And the check is issued by XXXX too - from an institutional account.
Product: Debt collection

Multiple accounts were opened using my personal information. The fraudsters were able to have my mail forwarded to another state. Scammers used my info to open bank accounts and even obtained government funding. This has been a difficult process and a major set back financially. 

Ive attached a police report, and also an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account 's high balance, nor do I recognize the later payments associated with it. Everything reported here does not meet the FCRA.

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo Retail Services needs to be investigated for charging erroneous charges and fraudulent sales practices for not disclosing their no interest procedures. First, I purchased furniture at XXXX in XXXX with XXXX mos no interest. They failed to disclose that the interest would be tacked on at the end of the XXXX mos in the amount of {$1200.00}. They never sent me any statements and I NEVER opted for online statements. I filed a complaint directly through Wells Fargo in XXXX of this XXXX. The escalation person only introduced themselves via email. Not once did I get a call from him. Each time I followed up via their secured email portal, I never received a reply. All they did was send me my statements. Not once did they address the interest fees. They did NOTHING! Fast forward to today, I go online to make my payment which showed a minimum payment due of {$64.00}. However, when I look at my statement it shows the minimum payment is {$230.00} with a past due amount of {$110.00}. How?????? Not only that, they have been wrongly charging me a late fee of {$40.00} every months for the past 4 months! They are FRAUDS!!!!!! I want these fees reversed ASAP!! {$1200.00} and the late fees. It is a disgrace that they would take advantage of customers.
Product: Mortgage

XX/XX/XXXX I submitted a payment for {$5300.00} to Specialized Loan Servicing through XXXX  XXXX XXXX online bill payment system with the intent of paying off my HELOC. All other payments that I have made to SLS have been via this method. 
XX/XX/XXXX I was advised that the payment was being refused and refunded because they require payoffs to be in certified funds and delivered differently than other payments. The payment was made directly from XXXX  XXXX XXXX to Specialized Loan Servicing via electronic transfer. 
XX/XX/XXXX I sent a message to SLS inquiring about how and when my money would be returned. 
XX/XX/XXXX I received a response that the refund process could take up to 15 days. I responded that the HOW question was not answered. I verified with XXXX  that the payment was delivered electronically. 
XX/XX/XXXX I received a response that funds would be refunded to the same form of payment as received. 
XX/XX/XXXX Called SLS to find out why my money was not back to XXXX since 15 days had passed. I was informed that the process could take up to XXXX business days. I asked to speak to a supervisor. She confirmed that the process could take up to XXXX business days and indicated that the money should be back to XXXX  by XX/XX/XXXX. 
XX/XX/XXXX Called SLS to find out why my money was not back to XXXX. I was told that the money had already been sent back to XXXX. 
XX/XX/XXXX Called SLS to find out why my money was not back to XXXX. I was told it could take up to XXXX business days. I was told it went out on XXXX so, I asked for a trace number and was told none was available. I asked to speak to a supervisor, held for an additional XXXX minutes and was disconnected. I contacted XXXX. The CSR informed me that she could see that the funds were returned from SLS on XXXX. She said she would initiate a case to try to expedite the return of funds to my account. Received a response from XXXX that they were researching the issue and would contact me with an update or resolution in XXXX business days. I contend that there was nothing left to research, they knew they had the money and knew it belonged to me. 
XX/XX/XXXX I received a message from XXXX  that funds would be credited to my account in XXXX business days. 
XX/XX/XXXX I was able to see the deposit was made to my account during overnight processing on XX/XX/XXXX. 

My issue is that I made a good faith effort to make a payment to SLS. SLS refused to accept my payment. They determined that they were going to refuse the payment by XX/XX/XXXX but did not accomplish the return of the funds until XXXX. Then XXXX takes until XX/XX/XXXX to restore my access to the funds. I think that it is not fair that these financial institutions are able to implement these arbitrary policies about the return of customers ' funds and withhold the customers ' access to deposits that legitimately belong to the customer.
Product: Debt collection

XXXX XXXX contacted my husband via phone in regards to a credit card balance we owed stating they could reduce the amount owed by 60 % and we would only be paying 40 % of the balance. They made the offer sound so good he could not refuse and he accepted. He was told at the end of 24 months he would be debt free. 

They started drafting the payments from my checking account and my husband gave them permission to speak with me in regards to any questions I had. Somewhere around XX/XX/2015 they suspiciously stopped drafting my account and I was advised to continue paying via paper check. 

It took an act of congress for me to speak with a live person. I have archived emails that I sent to them that we received from the creditor. Sometimes we would receive a response other times the emails were unanswered. 

I finally gave up and told them I wanted all of our money back ( after making payments for 2 years ) and then the nightmare began. I was told by XXXX ( supervisor ) we could not get our money back because they were close to settling the debt and to continue sending the payments. 

Unfortunately, I did continue sending payments even though no actions were being taken to reduce this debt. Papers were served to my husband at home ( yes he was sued ) and now we are out of XXXX of dollars and still owe the creditor. 

These people are crooked thieves making a living off of unsuspecting innocent people. 

I have a paper trail of emails that I 've sent and received. I was able to save {$330.00} that I actually did a stop-pay on the check as recent as XXXX/XXXX/2015. 

People beware of these crooks.
Product: Credit reporting or other personal consumer reports

A certified letter was sent to XXXX XXXX  who issued a credit card in my name to an unknown address : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX. Apparently, the credit card was used and not paid. XXXX XXXX  reported this delinquency to the agency under my name. I never lived in XXXX. The Credit Reporting Agencies used this report to negatively affect my XXXX score.
Product: Student loan

Greetings, Fedloan account numberXXXX XXXX XXXX You may want to review a closed file/complaint fromXX/XX/XXXX I've had my student loan debt IN the Public Service Forgiveness Loan Program for 15 plus yars. Of course PHEAA and it's subsidiaries can'at find my records. 
The latest is I was required to recertify my income contingency repayment plan in XX/XX/2021... their result/decision is that I must now pay XXXX $ plus change per month. 
This is a contract violation and I don't care how they want to reword it. 
The purpose of the PSFL is for me to give service in leiu of monies.

This new requirement is a violation of my PSFL contract. I think, no, I KNOW I want to be a party to any group that sues PHEAA/FedLoan and any/all other entities, subcontractors, child corporation of the parent corporation of pheaa/fedloan for breakingtheir contract with me. 
IF they had demanded a XXXX $ /month payment almost 30 years ago, this debt would have been paid off. As if their history, once you make this payment, they begin to torque the monthly payment up " at whim ''. 
I'm too poor, old and ill to make this kind of a monthly payment. 
Please intercede for so many that give their time and energy into the PSFL and now are illegally demanded to provide monies as well. 

Thank You in Advance, XXXX XXXX XXXX
Product: Debt collection

No Validation Individual Actions 1. Didn't comply 5 days after speaking with me 2.requested validation and they still have not provided 3.suppose to cease in collection of debts 4.Did not cease and collection
Product: Payday loan, title loan, or personal loan

Security Finance makes it impossible to make loan payments on time by having the online app fail. When customers call to pay, they are unable to find the correct account and pressured to renew or borrow more money. Payments in the mail get lost. Late fees and interest are high, so making payments difficult is a way to dishonestly collect more money from borrowers. 

My branch is supposed to be XXXX. When I call, I'm told It's XXXX, but they don't have the number. All I have is a handwritten form with the wrong phone number on it. 

I want to pay on time. I think I've been scammed, and I don't know how to make it stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2021
Product: Payday loan, title loan, or personal loan

Payment process is intentionally difficult in order to charge fees. I paid my monthly loan payment before the due date in XXXX, but my payment was not applied toward the monthly payment because I received a notification that my auto draft payment was unsuccessful. I called customer service and was assured that my account was current, I would not be charged any fees, and further auto draft attempts would cease- this was not true, I was charged a fee by avant, though no payment was late, and I was charged a fee by my bank for their attempts to draft an additional payment. For the month of XXXX, again I manually paid my monthly bill, and it did not automatically credit my payment toward the bill for XXXX, instead my account still wanted an additional payment. I called customer service where they had to manually apply the payment I made toward my bill, lest I incur another fee- after the change to my account was made by customer service, there was an erroneous fee that did not appear before, I attempted to contact customer service again, but was repeatedly hung up and unable to gather any information.