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

On XXXX  I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXXXXXX XXXX properly investigated this account because there are obvious inaccuracies. 

First off, the Account Number does not match. Equifax is reporting XXXX while XXXX and XXXX are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. 

The date of the last activity does not match- Equifax is reporting the date of the last activity as XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- Equifax is reporting the date of the last payment as XX/XX/XXXX while XXXX and XXXX XXXX reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. 

Equifax is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX XXXXXXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX XXXX XXXX XXXX XXXX is collecting money on behalf of the Georgia Student Finance Authority. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX Bank XXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a XXXX consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by XXXX. The XXXX XXXX  collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX Bank XXXX XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting 72 late payments on this closed account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the bankruptcy information listed on my credit report. I have reviewed my credit report and have identified that the bankruptcy entry is either incorrect. According to the Fair Credit Reporting Act ( FCRA ), it is my right to dispute information that is inaccurate, incomplete, or unverifiable. The specific reasons for my dispute are as follows : The bankruptcy information is incorrect and does not pertain to me.
Product: Credit card

Denied Claim for Unauthorized Credit Card Transactions and Failure to Resolve Issue Despite Police Report and Multiple Communications Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Phone Number : XXXX Email : XXXX Account Number : XXXX Type of Account : Credit Card Claim Number : XXXX Date of Incident : XX/XX/year> and XX/XX/year> I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding SoFis refusal to resolve a claim for unauthorized credit card transactions on my account**, despite my multiple efforts to dispute the charges through SoFi and the filing of a police report. 


On XX/XX/year> discovered several unauthorized transactions on my SoFi credit card account totaling {$800.00}. I immediately reported these fraudulent charges to SoFis customer service and followed up by filing a police report. I have attached a copy of the police report for your reference. 

Despite my prompt reporting of the fraudulent activity, SoFi has failed to issue a credit for the stolen funds. Furthermore, I contacted their Merchant Management Team to resolve the issue directly but received no proper communication or resolution. 


As per the Fair Credit Billing Act ( FCBA ), consumers are not liable for unauthorized charges on their accounts, and credit card issuers are required to investigate and resolve such disputes within a reasonable time. SoFi has not complied with this regulation, as my claim has been denied despite the clear evidence that the transactions were unauthorized and a police report was filed. 

After disputing the unauthorized transactions with SoFi through formal written notice and direct communication with their Merchant Management Team, SoFi denied my claim without providing a valid reason. I have received no proper follow-up or explanation for their decision, and I remain without the stolen funds. SoFis lack of communication and failure to resolve this matter have caused me undue financial stress. 

Date of Unauthorized Transactions : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Amount of Unauthorized Transactions : {$62.00} {$110.00} {$110.00} {$230.00} {$44.00} {$240.00} I reported the fraud to SoFis customer service on XX/XX/year>, filed a formal police report on XX/XX/year> and sent a written dispute under the FCBA on XX/XX/year>. Despite these efforts, my claim was unjustly denied, and no resolution has been provided. 

SoFis refusal to properly credit my account for the unauthorized charges has left me in financial distress, as I am still responsible for the fraudulent charges that I did not authorize. This situation is especially frustrating given the legal protections afforded to consumers under the FCBA.
Product: Money transfer, virtual currency, or money service

Cash App, together with XXXX, for which a complaint had already been filed and is now closed, decided to keep a portion of a series of 3 transactions attempts. Cash App was responsible to make sure that my wife received {$2000.00}, which she never received. While I was not sure whether the first {$2000.00} was received, I went ahead and sent another {$2.00}, XXXX. A prior {$50.00} dollars was sent to assure that the transactions would work. After a day or 2, my wife informed me that she didn't receive any money from me. Upon an initial conversation with Cash App 's Rep, I was informed to take the matter with my bank, XXXX. XXXX, based on its most recent response states that they refunded or credited my account of {$2000.00} but that I would have to have Cash App refund the second {$2000.00} dollars. And XXXX further states that the {$50.00} was a contingency fee and that would also be up to Cash App to reimburse that to me, none of which makes sense. This entire situation is a scam, designed to defraud me of as much as {$2000.00}. I am attaching a copy of both my and my wife 's bank statements, together with XXXX 's most recent letter for your reference and investigation. Should you have any questions, please email me at XXXX or call me at XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account listed as XXXX XXXX XXXX Account XXXX XXXX incorrectly. There are several inconsistencies within the account which means this account has not been properly verified as accurate and it is causing me harm. The account is also reporting as a charge off and this can not be correct. Any balance on an account over a {$1.00} federal law states the overdue balance is refunded to the consumer. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Paid Paid Derogatory Creditor Remarks : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 

Paid charge off XXXX related Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since none of the information matches this means none of the consumer agencies did a reasonable investigation and just reported random information to collect payment from the creditor.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. 
Im bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined and 15 U.S. code 1666B under the billing error category ; ( 4 ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ratifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore. 

The failure to correct or remove this information after my attempts to resolve it is in violation of my obligations under the Fair Credit Reporting Act ( FCRA ), As recently highlighted in the and the Consumer Financial Protection Bureau ( XXXX ) lawsuit against XXXX ( case XXXX ) you also violated my Consumers Rights And Privacy under the XXXX, XXXX and XXXX.Im a victim of the latest Data Breach. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried several of times to reach out to this company in regards to this inaccurate item being reported to my credit and its causing great damage, emotional stress and financial stress. This item was taken care of with the original creditor by my insurance company, and for whatever reason it was sold to this third party collection agency, when I called to inquire about this item, the agent I spoke with was very rude, and violated my rights as a consumer by not verifying my information nor stating the mini XXXX. At this point I am reaching out to an attorney to file a lawsuit against this company for the damages theyve done to my credit. If we cant work this out outside of court I will be pursuing further.
Product: Debt collection

this is medical debt that my insurance lapsed on. ive never had a collection company call and leave me voice messages more times than this one, literally upwards of 1,000 voice messages have been left to my phone number though this debt collector. i have contacted them asking them to stop contacting me and the XXXX operator on the end of the line said something am long lines of literally laughing before saying you owe a debt, we wont stop because you owe us, its not harassment were allowed to i have blocked this phone number more than a year ago, and ive received 20+ voicemails from their company since XXXX XXXX ive attached a screenshot of the most recent ones, i have to delete them because they have had my entire message box filled up with these debt collector messages.
Product: Mortgage

Freedom Mortgage bought my loan from XXXX on XX/XX/XXXX. XXXX informed us in XXXX, but we heard nothing from Freedom until our payment was almost due and then only after making a number of calls. 

Since then, weve had nothing but trouble. Bills are late, not sent, or doubled. ( We have yet to receive the XX/XX/XXXX bill ) Payments made but not applied. The monthly rate has gone up despite our years of payments. 
Despite numerous tries, ( correctly executed on our part ) their online site wont accept our account number ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and in calling by phone ( XX/XX/XXXX ), we were left holding for 14 minutes and then sent to an empty extension. 
I will sell the house rather than continue with these unprofessional charlatans, but in the meantime, please note this complaint.
Product: Debt collection

I disputed this account on XXXX, XXXX did nothing said creditor did their own investigation, I wrote to the company asked them to validate this debt it has been almost 3 months and I have not gotten a response. I called XXXX and they refuse to take this debt down even though it has not been validated.
Product: Debt collection

XXXX XXXX XXXX XXXX stenger & Stenger P.C was has violated multiple FDCA Law and was mailed and Affidavit of the truth highlighting the facts of the violation. I have not received any response as of yet. It has been past the 30 day time line. now they are in default.
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 3 credit bureaus to validate these accounts ( 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 the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2700.00}
Product: Checking or savings account

On XXXX XXXX two ach transactions from Navy Federal Credit union in the amount of {$410.00} and another for {$200.00}. The-money was debited out of a checking account and suppose to be sent to XXXX bank. The funds never posted to the XXXX bank account which normally takes 1-3 business days. It is now XXXX XXXX and neither bank has taken responsibility of the missing funds and Ive been in communications with both By phone and in Person. Ive submitted ach disputes through navy federal and also XXXX has conducted investigations on tract numbers that they concluded to be correct. However I still have no funds and Navy federal insisted that they could not help me!
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am submitting this letter to dispute the following accounts, which have been inaccurately reported under my credit profile and do not belong to me : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX These accounts were opened or reported without my authorization. This fraudulent activity has caused harm to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and the removal of these accounts from my credit report. 

Thank you for your time and prompt resolution of this matter. Please reach out to me directly if further documentation or clarification is needed.
Product: Debt collection

Navient XXXX XXXX XXXX XXXX represented by Sr. Account Manager XXXX XXXX at XXXX XXXX called my home phone number today asking for my wife and asking her if she could provide contact information or get a message to a neighbor 's son. I assume his student loan was past due and they could not contact him. Instead, they found my wife 's name and phone number on the Internet and called her trying to get information on neighbor XXXX XXXX. We later received a call from one of our sons indicating that Navient had also left a message on his cell phone. We feel this is a blatant invasion of our personal privacy and would like it stop immediately. Any assistance you can provide would be greatly appreciated.
Product: Student loan

I am a public employee and have made XXXX of XXXX qualifying payments toward loan forgiveness under the XXXX XXXX XXXX XXXX program. I have been in a general forbearance due to the XXXX litigation, which has prevented me from making the last XXXX qualifying payments needed for forgiveness. 

On XX/XX/year> I submitted an application to switch to an Income Based Repayment Plan so that I could continue making progress under the XXXX. On the Department of Education 's Website it says : " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and XXXX forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' ( studentaid.gov/saveaction ) On XX/XX/year> I called MOHELA for the purpose of asking why I had not been moved into a processing forbearance despite submitting an application for XXXX. A MOHELA supervisor told me that they could not move me into a processing forbearance from a XXXX forbearance, and that MOHELA was not even processing XXXX applications for persons currently in a XXXX forbearance. She told me that this was based on Department of Education rules. She was unable, however, to point to any specific rules or written guidance that said as much, and had no explanation for why the Department of Education 's Website said the exact opposite. I asked to be transferred to someone above her level, but was told that nobody was available. She said she would put in a request for an " XXXX callback, '' but I do not believe it. 

After my conversation with MOHELA I called the Department of Education who confirmed for me ( XXXX ) nothing prohibits MOHELA from processing XXXX applications for persons subject to a XXXX forbearance and ( XXXX ) that persons who apply for an XXXX plan should be immediately placed in a processing forbearance even if they are currently subject to a XXXX forbearance.
Product: Mortgage

On XX/XX/year> I sent XXXX XXXX XXXX a QWR request per respa which I have attached. CXXXX XXXX XXXX was my servicer before they transferred the servicing rights to Fay Servicing. They haven't acknowledged my request for information within five business days. They received the QWR on XX/XX/year>. I need the information requested and have attached the letter I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo is engaging in fraud with the management or better stated mismanagement of my account. Wells Fargo does not operate according to regulations with respect to handling disputes because part of Wells Fargo is XXXX XXXX enabled and that wing is engaging in fraud and identity theft. Wells Fargo in cahoots with the FDIC used or does use an improper name " XXXX XXXX '' knowing that " XXXX XXXX '' is not the owner of the account but rather " XXXX XXXX XXXX '' is the owner of the account. It is well documented that these XXXX XXXX  in XXXX XXXX have created this fictitious entity by the name of " XXXX XXXX '' using my SSN and have been doing so to create fraudulent account and all sorts of financial crimes. Wells Fargo knew this from day XXXX and nonetheless has engaged in fraud. On XX/XX/year> I disputed XXXX transactions : XXXX. ) XXXX  : {$45.00}, and XXXX : {$8.00} both based upon " Goods or services not as described. '' XXXX. ) XXXX days later on XX/XX/year>, Wells Fargo closed the disputes without any investigation whatsoever claiming that the charges were authorized. This is a flat out misrepresentation as that was not the basis upon which the transactions were disputed. Moreover, with respect to the Visible transaction that service was referred to the F.B.I ( at least XXXX times ) as it involved and still involves XXXX lead cybercrimes which is what Wells Fargo is criminally covering up via its internal XXXX  alignment. See attached for all supportive documentation if XXXX allows me to upload the XXXX ( XXXX ) files since they have been illegally monitoring my ( XXXX ) connections on the XXXX  to preclude contacting the appropriate authorities pursuant redress. Regards, XXXX XXXX XXXX
Product: Credit reporting

I have asked TD Bank to remove mortgage information that has been settled in short sale, but they continue to report negative information. The properties were sold in XXXX, yet the accounts remain active on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that Equifex wasnt report my score to them, they havent update my Equifax score to the company. So when I called Equifax fax they give me a lame XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!