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

I am writing to request the removal of fraudulent accounts on my credit report resulting from the recent XXXX data breach. this issue has severely impacted negatively and my ability to secure new credit. I appreciate your prompt attention to correct this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get help with this account for a while. I was sending letters since XXXX to no avail. This car is listed on my credit report as a repossession and with a balance of {$11000.00} and this is inaccurate. After repossession this car was sold. I've reached out to XXXX XXXX asking them to verify this information and to stop reporting this inaccurate information since the car was sold but I haven't received a response. Equifax said they investigated this account but still, it's reporting inaccurately. I'm not sure what else to do as this information being reported is making my credit suffer.
Product: Checking or savings account

I opened complaint XXXX about checking account because Chase effectively stole {$2200.00} from me by failing to execute a verified wire transfer. The details of my complaint to CFPB of XXXX/XXXX/XXXX were : " I opened a checking and savings bank account when I was training in the USA. I have since returned to the XXXX XXXX where I live and work. In about XXXX XXXX I concluded there was no further point in having a US bank account and I instructed Chase to transfer the balance of the money - {$2200.00} - to a XXXX bank account. I passed the online and telephone process in place to avoid fraud and was informed the transfer would take place. Instead of that, Chase terminated my online access to the account and did not transfer the money. I telephoned them and they passed me on to a wide range of people over a very long phone call. They first said I should go into a branch of Chase in the US,  which is obviously not practical as I am in the XXXX XXXX and have no reason to return to the US.  After the very long phone call I was cut off and thought it impractical to phone back given the many layers of supervisory staff I had gone through in the earlier call. I therefore wrote to the bank to complain on XXXX XXXX XXXX and again on XXXX XXXX XXXX. I have not had a reply or solution and the practical effect is that they have stolen my money. What I want to happen is for all of the money to be transferred to me in the XXXX by wire transfer as I originally instructed. If any compensation is payable that would be great. Obviously I do n't want Chase to have eroded my money through account charges since they had the instruction in XXXX. '' In response, the bank said they would pay out the money on receipt of a faxed notarised letter. I faxed they letter and they still did not pay. On XXXX/XXXX/XXXX I responded through CFPB as follows : " I paid an attorney to notarize a letter and faxed it as instructed. The bank still did not transfer the money as instructed and as they say they would in their response to my complaint to you. Instead the bank sent a letter dated XXXX XXXX which I received today XXXX XXXX. I tried to phone to talk about it, but could not get past their security as my account is on hold for security reasons. '' The bank still did not pay my money and wrote to me say that fax was not sufficient, the notarized letter must be posted. I therefore posted it to them and there has been no response at all. 

The bottom line is that Chase still has my {$2200.00}. I am worried they will steal it by a ) not returning it to me at all, because they have not complied with their agreement through CFPB and b ) they will have found a way to reduce the balance by applying charges because they sent me a letter in about XXXX XXXX to say they will be levying charges on the balance. I have had no reply to my letter of XXXX/XXXX/XXXX complaining yet again and insisting they send me my money. They do not seem trustworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not remove the XXXXXXXX XXXX collections that isnt mine.
Product: Credit card or prepaid card

I ordered a vanity table from a a furniture store on XX/XX/2020. 3 months later I have yet to receive the item. I have asked the store numerous times for a refund with no success. I made a dispute with American Express serve since this is the payment method I used. I told them my story and sent them a receipt of purchase. I waited a whole 45 days for them to tell me since it was a authorized transaction I wont be getting my money back. The fact that it was a authorized transaction was not in dispute. It was the fact that I never received a purchase for over {$1000.00}. This is my second dispute I put in with American Express serve. Within 4 days they sent me another generic email that I wont be getting my money back because it was authorized. Now I am on my third dispute with these people. I just want a refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate consumer 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX and XXXXXX/XX/XXXXl Description : I am filing this complaint regarding a charge-off account from XXXX, listed on my credit report under account number XXXX. Despite my previous attempts to dispute this entry with the credit bureaus, it remains inaccurately reported. The account was sold to XXXX XXXX, but the reporting continues to list the account in a derogatory status without sufficient verification. 

I believe the following concerns warrant CFPB intervention : Inadequate Verification : XXXX and XXXX XXXX have failed to provide proper documentation validating the debt or its accuracy, despite requests for verification. 

Violation of Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and creditors are required to report only accurate and verifiable information. 

The continued reporting of this charge-off without adequate validation violates these provisions. 

Harm to Credit Standing : The inaccurate and misleading charge-off entry negatively impacts my credit score and overall creditworthiness.
Product: Mortgage

I had an FHA loan that was put into forbearance in XXXX. We made our last payment XX/XX/2020. Before that date we were current on our payments and never missed a payment ( we were current throughout our entire forbearance ). Our home was sold on XX/XX/2020 and the loan was paid off in full. However, our mortgage servicer ( Lakeview/XXXX  ) is not only reporting us 90 days late, they are showing us with a late payment in XX/XX/2020, two months after the close of our mortgage. We attempted to get prequalified to purchase a new home and have been unable to do so as a result of their negligence. 

We have been attempting to handle this with Lakeview/XXXX for the past two-three weeks with no success. They have promised someone would call multiple times which never happened. They sent a " letter '' to correct their mistake which was the same letter they sent on closing showing the loan was paid off. Originally, they said they had never reported us late to the credit bureaus, then required me to show them which credit bureaus were actually showing late. Once they had that information they said it will take 30 days to fix the problem even though it is their mistake. They are in clear violation of the Cares Act and the Fair Credit Reporting Act. I made all of my payments on time and fulfilled my obligation. Now, I am unable to purchase a new home due to them not only reporting me 90 days late, but reporting me late in XXXX 2 months after the close of the account. 

The email thread between myself and the mortgage provider is extensive. Today, I finally gave them until XXXX to call me to try to clear this up. It has been two weeks of them stringing me along. They said to give them time, someone would call. I said I needed someone to call today by XXXX ... they have had two weeks of time. They then said it would take 30 days to fix. I am tired, I did nothing wrong and I know I am not the only person who they have harmed in this manner. I am hoping by filing a complaint with you it will get someone's attention and possibly help someone else who has been harmed in the same manner.
Product: Debt collection

Comenity Bank/XXXX- This account was brought to current status and payment arrangements made, yet the company is still reporting it as past due on my credit reports even after contacting the company and addressing the problem. The rep collected money from me telling me my accounts were still active, only to find out later on that my accounts were actually charged off the day before. I brought the account to current, and have been paying monthly on time, yet they continue to report to the credit bureaus that I am past due. I had TWO other accounts with them that I had the same problem with and they were rectified through this platform.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you have reported a late payment of 30 days on my account.I demand the immediate deletion of this inaccurate late payment from my credit reporting agencies profiles.The fact is that on the date you claimed a late payment was reported on my { XXXX, XXXX, Equifax ( choose the CRA that the late payment was furnished to ) }, my account was not late.I will not tolerate the willful and continued reporting of false information on my credit profile which clearly violates the Fair Credit Reporting Act 15 USC 1681 a ( 1 ) ( A ) ( i ) Promptly notify the furnisher of the information that the information is inaccurate, and the furnisher of information shall ( I ) conduct an investigation with respect to the disputed information ; As an enforcement mechanism under 15 USC 1681n ( a ) Civil liability for willful noncompliance ( 1 ) In general Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) ( i ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have the right to sue, and I will seek full compensation for all damages caused by your companies willful noncompliance and failure to correct this inaccurate reporting of my payment history.Delete this inaccurate late payment from my consumer reporting agency profiles immediately.Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a Capital One Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.
Product: Debt collection

Hunter and Warfield keeps calling and harassing me about an old debt to my previous landlord. I explained to them several times that I couldnt previously pay the debt because I was out of work due to COVID. I also stated that since Im back working that I wanted to pay what I owed. The landlord is trying to charge extra money for old carpet and I was living there for eight years. The agent started being very disrespectful and had previously hung up on me when I wouldnt agree to pay the amount that they requested. I talked about the interaction with a different person but the rude one keeps calling and being very disrespectful. I have told him several times to stop calling me.
Product: Debt collection

This collection company XXXX XXXXCrown Asset sent writ to old address that I lived at over 3 years ago and filed a court case against me. I only know about the writ and the lawsuit after receiving court papers with an appearance date. I did my own investigation to find company suing me. I reached out immediately asking for a copy of the writ to be sent to my correct address which I gave to them. I was told according to the law they already did what they had been required to do. I asked as a courtesy please resend to correct address. I was told representative asked manager who repeated same thing, not required to resend. I emailed a request in writing asking for writ to my correct address. No response was received. I attended first court date, told court that I never received writ or any notice from Bill collector. The court order them to send it to me. I contacted the lawyer on the case the same day and confirmed address. Nothing ever came. Court date # 2, told court again nothing was received. This time court ordered to send writ. Again, nothing received. Court date # 3, Judge ordered writ by registered mail with signature. Again nothing came. Court date # 4 Judge again ordered writ by trackable mail, continued for 30 days. During all this time multiple calls from collection agency about this debt. I told them they failed to send notice and should not be contacting me. They continue calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It is beyond their 30 days investigation time so these items should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Product: Credit card

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 
SYNCB/PPC XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent and unauthorized inquiries that have appeared on my credit report. The inquiries in question are listed below : XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXXXX/XX/year> Equifax These inquiries were made without my permission and are a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, which mandate that any access to my credit report must be authorized by me, the consumer. I have not authorized above companies to access my credit information, nor was there any legitimate purpose for these inquiries.

As these inquiries are fraudulent and unauthorized, I am requesting that they be immediately deleted from my credit report.
Product: Debt collection

After disputing this inaccurate account # XXXX XXXX XXXX XXXX XXXX so many different classifications for the same # XXXX equifax constantly make several changes to the account instead of removing the account pursuant to FCRA 1681 A. Equifax on XX/XX/XXXX removed credit line # XXXX with XXXX XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX  Then changed the XXXX Loan debt to loan and dropped XXXX then dropped security First XXXX Then after reporting XXXX months of false on time payments, deleted the said XXXX months of payment and reage the credit line now showing no payment atall XXXX Then at this point they reage the credit line and remove security first band and XXXX 
XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See Equifax credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. 
Please not that only Equifax is reporting this creditline. After reinvestigation XXXX and XXXX deleted and blocked XXXX XXXX XXXX XXXX I have on several letters asked Equifax to remove this inaccurate account and they refused. If they continue to report I am thinking of filing a complaint in the XXXX XXXX XXXX Pennsylvania to recover damages and compensation.
Product: Mortgage

The mortgage company NVR, involved in the financing of the home I'm having built, has informed me that my credit report shows I have paid off an existing loan. Which has caused my credit rating to drop from XXXX to XXXX. I find this unexceptionable. This has increased my down payment on the new home.
Product: Student loan

My loan was recently transferred to Navient. I have received multiple emails, calls and letters about renewing my income-based repayment plan in recent months. Each time I call, I am given different, contradictory information and told I have to call back at a later date. Half of the time, the call is dropped, and I have to call back and start the process over again. Eventually, after at least six calls over two months, I was told I had to make an extra payment to exit income-based repayment. At fist, I was told that one-time payment would be credited toward my next month 's payment. But after I agreed to the one-time payment, I was told my next payment would still be deducted. Given this frustrating experience, I have no faith that anything I am being told is correct.
Product: Credit card

I received my credit card statement and found a purchase in another state that I did not do.