23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX  On XX/XX/XXXX, I logged into my XXXX account online to pay off a small loan that had a balance of approximately {$3000.00}. I made two payments on XX/XX/XXXX that paid off the loan. On XX/XX/XXXX, I received a Paid in Full Notification for the loan. Additionally, on XX/XX/XXXX, I received a financial activity summary that reflected that the loan was paid in full. 

I then received a monthly bill dated XX/XX/XXXX, stating that I have a balance due of approximately {$13.00}. I called XXXX  XXXX  on XX/XX/XXXX, and spoke with account specialist XXXX # XXXX, and informed them that I had already paid off the loan and had received two notices also to that effect. XXXX told me that she would put this matter " in review ''. On XX/XX/XXXX, I also submitted via online & fax a letter with the notices from XX/XX/XXXX and XX/XX/XXXX asking that XXXX XXXX review the loan and stating that i had paid the loan in full. 

I have submitted in writing and called a number of times, and still have not received an answer about my loan. I paid it in full 2 years ago and I am still paying interest on the loan. It is ridiculous that I am getting misinformation and they will not correct the error. The fact that I can pay off a loan and then be told 1.5 years later that it wasn't paid is gross mismanagement and completely dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attachment it shows that experian said that this account will be removed XX/XX/XXXX, but they have not upheld their word. This account is older than 7 years, and it should not appear. In addition, they charged off the account in XXXX, then they charged off the account again in XX/XX/XXXX. This does not make any sense and I have tried to resolve this but they do not feel I deserve an explanation.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX CARD, account number ending in XXXX. 
On XXXX/XXXX/2024, I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I purchased a {$250.00} gift card for my wife on XX/XX/2023 at a local XXXX. When my wife went to use the card on XX/XX/XXXX, she was advised that the card carried a XXXX balance. She went on the web site and found that the card balance was dumped on XX/XX/2023 at a XXXX XXXX. She was in possession of the card in it's original packaging, unopened. I immediately contacted the company Vanilla Gift cards to dispute the fact that we had a XXXX balance. I provided them with all pertinent information and a dispute form as well. I was advised that I would hear from their " team '' concerning my dispute. To date, I have not received any communication from the company. I have called 4 times, and written numerous e-mails, but have received any information about my refund. 
Today, after almost 60 days, I was advised that I needed to provide them with a copy of the card and a receipt. I do not have the receipt anymore and sent them a copy of the card. Their Customer Service is almost non-existent and their communication as well fails in every aspect.
Product: Payday loan, title loan, personal loan, or advance loan

I have had multiple hits to my credit because these websites keep automatically applying for loans I never applied for. This XXXX needs to stop. It has happened 2 times in the last two months. XXXX and Lending Tree have both automatically applied for loans in my name that I never applied for. You guys need to get a handle on this XXXX. Comparing loans is not applying for a loan and I should not have these companies applying for anything.
Product: Mortgage

Mortgage company lost our closing bulk check from county tax office. 

Closed on our home on XX/XX/XXXX with previous taxes paid by previous owner Loan was accepted by Amerihome mortgage company the same month. In XX/XX/XXXX Amerihome attempted to pay annual taxes to XXXX, NC {$3500.00}. On XXXX XX/XX/XXXX XXXX county sent bulk check # XXXX to accounting to return to Amerihome because they attempted to overpay XXXX taxes. Check was confirmed sent on XX/XX/XXXX. We called Amerihome XX/XX/XXXX and XX/XX/XXXX to initiate an inquiry. We were told to call back in 5 business days. Followed up with a call on XX/XX/XXXX and found out no inquiry had been opened. Amerihome then open an inquiry and asked to be given until XX/XX/XXXX. Attempted to call today with no response, and no virtual support on website. Also no changes to our account. Recieved first mortgage bill which is now incorrect because escrow in short XXXX because of the lost/misapplied bulk check.
Product: Debt collection

CNAC sent me a letter stating they have furnished inaccurate information to the credit reporting agencies. I sent letter demanding it be deleted off my credit report and made my claim with their company. Silence is what I received as a response. I have enclosed the documents that are a burden of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 furnished an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/21, I tried to use the card to make a purchase less than {$10.00}, it was declined. I then checked the balance, there was a charge of {$47000.00} pending on the account. I immediately called the bank to report my card information was stolen, that was a fraud. The representative on the phone told me that I have to wait until its posted to dispute it. The next morning I checked the balance again, the charge changed to {$14000.00}, that was what was left on the card, so it wiped out the account. I called the bank again. I was told to file a police report, a dispute form and get them notarized. I did everything they asked for. I also during this time had made multiple phone calls to the store that the charge was made and informed them my card was stolen, please dont make the shipments if its an online sale. I also emailed their company. The store then called their police, XXXX, the officer contacted me for more information through phone calls and emails. He also said that the store informed him that someone was about to come in and pick up the watches that was bought with my name, he was waiting outside the store. He also said he would be happy to help if the bank calls. I then called the bank and provided them with all this information hoping it would help with the investigation. I waited for about 2 months, I today got an email saying their investigation found no error in the transaction and the case is now resolved and closed. I called the bank immediately and was on the phone with a few people for 3 hours, cuz they would put me on hold transferring to someone but the call just drops and I had to start all over again. The whole customer service experience is a nightmare. Eventually I was told that they would escalate the case but not very hopeful. I asked what exactly is the investigation process, cuz I have a police report, I called numerous times when it was still being processed. I called the store if they had investigated any of these resources, its more than obvious that it was a fraud. The word was mentioned throughout the phone calls. I cant contemplate they would come to this conclusion if any effort was invested in the investigation, its clearly a fraud. However, they basically just said that they couldnt see it in their investigation so it was determined as no error. Ive lost faith in their investigation. Please help me get justice.
Product: Student loan

I have been trying to pay on this loan because it already has my credit messed up. I cant afford the payments and I have begged them to lower it for me. I want to pay it but cant afford what they are asking. It makes me regret even getting my degree and want to tell my children not to go to college because they harass you and you get frustrated and don't know what to do because I cant afford this. If I can pay XXXX a month, I know it will take a while for me to pay it off but it is showing them that I want to make payments. I keep getting fees added on and it just making the total larger and larger. I cant do this! I am XXXX   because I want to pay them and they are not willing to help me in paying an amount that I can afford. I see why people commit suicide due to things like this, I feel like I'm drowning when it comes to this. I NEED HELP!!!
Product: Mortgage

Wells Fargo, XXXX XXXX : I pay every XXXX weeks, but they hold every other payment back as " unapplied funds. '' When asking them earlier how to avoid this, they said I need to be paid ahead. After a full year of doing this, I am 1 payment ahead and nothing has changed. This is interest they are imposing on me after tendering payment and they are profiting off of the interest they earn while holding my money ( and that of every one of their customers doing this ). 

XXXX XXXX, XXXX XXXX ( has my wife 's name on it as well, XXXX XXXX ) : Same problem as above except that we are on " bi-monthly '' payments instead of every XXXX weeks. Those payments are pulled from our bank account twice a month, but they only apply them - in aggregate - once per month to our mortage, thereby imposing interest on me that we are trying to pay off early and earning interest themselves off of money they are holding from me. This deprives me and all of the customers they have doing this of significant funds over the life of the mortgage.
Product: Checking or savings account

XX/XX/XXXX they texted and said account has been locked, called and said different email reset and was working then later same thing call center so they cancelled my XXXX cards and it also showed I had XXXX others that were not mine XX/XX/XXXX got new cards activated and was fine then later that day texted again account is locked callled and email changed again reset user name and password, XX/XX/XXXX same thing reset and was fine afternoon locked again and then suddenly they said I had a old dispute that was from 2013 that I needed to pay started out at XXXX changed later to XXXX now XXXX and wants me to send them cash
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

On XXXX I checked my credit report and notice I had a inquiry on my credit report that I did not authorized or recognize. The inquiry was from a company name XXXX XXXX inquiry date was on XX/XX/2020 there address XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX toll free XXXX. On XX/XX/2020 I contact Equifax to dispute the this inquiry and ask it to be removed off my credit report. Equifax stated they could not remove and to call XXXX XXXX. I call XXXX XXXX and XXXX XXXX told me to call Equifax.
Product: Debt collection

" Phoenix Financial Services '' or PFS has been calling me for almost a year now, over and over on a daily basis, from a different number every time. Most recent of them was a XXXX number XXXX XXXX XXXX. I have them blocked on over a hundred different numbers they have called me from. I told them to stop contacting me. This is harassment at all hours of the day.
Product: Credit card

I am a user of a Chase Sapphire Preferred credit card which awards points based on purchases which can be later redeemed for airplane tickets or hotel stays. To redeem the award points, you contact the Ultimate Rewards Department and request your specific travel award. Chase then informs you of the cost of the ticket for the award to be redeemed. Chase does not inform you that the prices it is quoting may be non-competitive compared to purchasing the same ticket through a travel company or using a different credit card service. The earning of the travel points is the inducement to use the card credit but there is no disclosure that when you redeem you will be offered an uncompetitive price. This evening Chase quoted the lowest fare for the flight requested at {$150.00} but the same flight was offered at the same time on XXXX at {$55.00}. When i complained the response was that they do not have disclose that their fares may be uncompetitive - it was not part of their " marketing '' to disclosure the drawbacks of their program. If asked, they will disclose fares may not be competitive but only if asked. This is deceitful.
Product: Bank account or service

In XXXX, I presented a {$2500.00} check to my bank branch for cashing purposes. I did not know the check writer well, it was a web generated check, and I had questions about the authenticity of the check. I asked the teller if the check looked alright. She promptly responded that it was ok and that all the funds would be released the following morning. Two weeks later, my account was charged back the {$2500.00} due to NSF in the issuing bank. I soon found out that the check writer had a record for issuing bad checks. She did not respond to requests to meet and return the money to me. The branch manager was not very helpful, but finally agreed to issue a statement that confimed that it was a fraudulent check. He also admitted that the teller should not have stated that the check was alright. I filed a police report, and they were surprised that the bank did not look more carefully at the check, as it looked suspicious to them. I filed a formal complaint ( received a complaint number ) with the bank fraud department, and was told i would receive a call back within 48 hours. No response from them. I called a week later and repeated the request, and was told again that I would receive a call back in 24 hours. I did not receive a response. I called a third time, and was told that my case was given to a different department, and I would receive a call back in 48 hours. I did not receive a call back. I finally filed another complaint with the main office of the bank. I was told there was nothing that could be done, since the bank policy did not guarantee that a check would be honored if there were insufficient funds. I am complaining that 1 ) the branch office mishandled the cashing of a fraudulent check, and all funds were released in a very short time period 2 ) the branch manager was uncooperative despite admitting the check was fraudulent, and the teller should not have indicated that the check was alright 3 ) Repeated lack of response to formal complaint. I am requesting that the {$2500.00} be restored to my account.
Product: Credit reporting or other personal consumer reports

On XXXX I reviewed my credit report, there were names and address on it that were incorrect- spelling errors or just wrong I requested that they fix everything in my personal credit report and experian has refused to correct them. 
The following items are incorrect. 
( 1 ) address identification number XXXX and XXXX are incorrect according to the fair credit reporting act they must be corrected. 
( 2 ) my home address is incorrect, any other should be deleted.

( 3 ) my name is incorrect and should be deleted any other reference to names as they are not mine and I have never used any of them. 
I am requesting that this three things be corrected on my credit report per the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

FTC Report Number:XXXX  XXXX XXXX XXXX Account number XXXX. 

USPS Tracking- Pending, I Have Mailed Correspondence To Experian Legal HeadQuarters At XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Pursuant to FCRA 605B Block Fraudulent Account Within 4 Business Days Of Receiving Complaint.

Case 8:25-cv-00024 Consumer Financial Protection Bureau , Plaintiff , vs.

Experian Information Solutions , Inc., Defendant.

The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i.

Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file. 

I Have Enclosed Exhibits Showing When Account Was Removed On XXXX Once I Added Fraud Alert The XXXX XXXX XXXX Account Was Reinserted ON XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX.The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX ACCT # XXXX XXXX BANK XXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. 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 instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Checking or savings account

I went to deposit cash into a XXXX XXXX XXXX with a Sofi Bank Card. The card was put in and options to do a deposit into my checking and savings account appeared on the screen. The ATM cash drawer opened and I placed the money approximately {$600.00} into the drawer which closed. Then on the screen, it displayed transaction canceled the cash drawer did not open and my card would not be released from the machine. After XXXX minute the screen returned to normal start screen and my card was allowed to be taken out. The money was not returned and I assume went into the ATM. I have called Sofi who has no record of the transaction happening and is unable to dispute this with XXXX who would need that to happen because I am not a customer with their bank. 

This Action and transaction happened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX at approximately XXXX XXXX  on XX/XX/year>.