23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have applied for PSLF. I am currently eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to FedLoan, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( XXXX  ) and all parties have No answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster. I cant even get my loans to go to the right party.
Product: Credit reporting or other personal consumer reports

I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a bill from a leased car I turned into Chrysler Capital. They have no reported data since XXXX. I turned this car in and the balance was paid. I disputed the report through XXXX and they put a current status on my credit Report showing " Late '' without my knowledge or contacting me. Report Number XXXX Date Generated XX/XX/XXXX On the response to the Dispute it shows " Paid, Closed '' on XX/XX/XXXX. 
I would like Chrysler Capital to give me details on what they are billing me for back to XXXX when they reported it was " Paid, Closed ''. Why have they not sent me a bill in the past? I would like this removed from my credit report due to inaccurate reporting.
Product: Checking or savings account

I recently completed my 2020 tax return and gave my Bank of America checking account information to the IRS. 

My checking account was closed before my tax refund could be deposited into that account due to being overdrafted. 

The IRS says that have not received the deposit back from Bank of America.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my rights 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 A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately.

The infractions are as follows.

Alleging creditor and account as is reported as having late payments my credit report.

I am demanding that this account be updated to paid as agreed and never late.

By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

I have sent numerous letters and disputes regarding certain accounts to each of the credit reporting agencies stating that I did not give consent for the account to be furnished on my credit report. The companies have responded that they have verified the information without the necessary documents to prove so. In order for an account to be verified, the CRA 'S must send the method of verification along with documentation of the investigative consumer report. The agencies have violated my right to privacy pursuant to 15 U.S Code 1681a ( 4 ) which states that agencies may not furnish any information without my expressed written consent. This action accounts for identity theft by each of the credit reporting agencies. Furthermore, pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ), credit reporting agencies must give me, the consumer, the option to opt of of any reported information. None of the agencies gave me the option to do so.

According to 15 U.S Code 1681a ( 2 ) ( A ) ( i ), the information reported can not only be transactions between the consumer and the companies listed on my credit report. The credit reporting agencies continue to report each of the accounts listed as verified with transactions without valued verification.

Credit reporting agencies need written instruction to furnish any credit reporting by myself, the consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ). I have never given any of the credit reporting agencies written consent or authorization for negative information to be furnished on my credit report. The agencies have committed fraud by using my identifying information without any unlawful authority to furnish information. By definition, these agencies have committed identity theft. 

According to 15 U.S Code 1681c2 ( a ), if I, the consumer provide the credit reporting agency a written statement of fraudulent activity ( along with appropriate proof of identity, a copy of the identity theft report ), the agency is required by law to block the information on my consumer report within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I mailed each of the credit reporting agencies a statement of fraudulent activity, a copy of my report with the FTC, and identifying documents ( driver 's license, and social security card ). I have not included a copy of my personal information with this complaint for security purposes. I have also attached a UCC-11 to this complaint lien search to show that I do not owe the alleged debts shown on the negative accounts reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a investigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Consumer Solutions has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you DELETE IMMEDIATELY THIS FRAUDULENT ACCOUNT AND INQUIRIES. 


XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, around early XXXX of this year XXXX  there was an unauthorized transaction done for {$810.00} to the merchant XXXX  which i did not authorize. I did not know about it until i tried to use my debit card and my transaction was getting declined. Thats when i went and checked my account and seen the unauthorized transaction. I tried to submit a claim via the app which i am not very good at using but eventually a claim was submitted not knowing if i did it correctly or not. Either way i called a few days later to follow up about the claim and was told i needed to fax in a letter explaining the unauthorized transaction so they can move forward with the claim which I submitted right away. Ever since i have not heard anything back and no provisional credit has been given and this has really caused a huge financial burden for me. When i call i get no help or update and just keep getting forwarded to the answering machine. Its almost 2 months now without my money and i feel like bank of America isnt really doing anything to recover my money or at least provide me with a temporary solution/credit in the mean time and we are talking about {$810.00}. That was my rent money. Please help in possibly expediting a resolution to this please. I appreciate the help! Thank you!
Product: Debt collection

I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt and i have never had a car loan.
Product: Vehicle loan or lease

They told me it wasnt going away or was going to stay on my credit score I told them I dont have it and randomly they call an Harass me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you can not provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I was never late on this account. 
ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Please remove this inaccurate information on my credit report. 

In addition, please remove all non-account holding inquiries over XXXX days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation. 

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

In accordance with the fair credit reporting act XXXX  Account 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: Debt collection

Not sure if this is legit but it seemed very strange and needed to report it just in case.On XX/XX/XXXX, I had received a phone call from XXXX XXXX (? ) from a " Credit Management LP '' company out of Texas # XXXX They requested that I verify who I was before stating the nature of the phone call. They had asked me to Verify my address, it was an address from a different state with the incorrect spelling of my name.They stated I owed {$250.00} for XXXX XXXX in Georgia. Not sure if they were legit or not, but did verity information. They did have the last 4 digits of my Social Security, but did not give them anything else. I never had an account with XXXX XXXX. They then transferred me to XXXX and spoke with XXXX, XXXX. Went through the account with me when it was opened and closed. The account opened XX/XX/XXXX until XX/XX/XXXX. Again I never lived in the state the account was held in. He sent me a fraud form to fill out but it required a copy of my license. I will not give that out.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and tracking these transactions were unfeasible. They failed to protect their customers leaving us vulnerable for scams.
Product: Credit card or prepaid card

I accepted a promotional 0 % interest for a {$11000.00} transfer. I entered my credit card information correctly but they transferred the money to someone elses account. I reached out immediately and was told several different things. The dispute took almost 2 months and they never reached out by phone email or mail, but closed the dispute. had I not been calling every week I wouldnt have known. They closed the dispute stating the money was transferred correctly to someones XXXX  loan.I do not have a XXXX  loan. I called and spoke with 7 different people over the last 2 months and no one could help me or send me to anyone who was working on the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this in regards to a 60day- late payment report made by American Express . I have an  American Express Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called American Express hoping and submitted a dispute a few days later in XXXX of 2018. 

American Express kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as American Express is treating me unfairly? Thank you for your time!
Product: Credit card or prepaid card

Chase Sapphire card ending in XXXX. 

Made a Chase XXXX reservation of {$50.00} in XX/XX/XXXX, reservation code XXXX, used Chase card ending XXXX for payment. 
Closed the Chase card used in this reservation in XX/XX/XXXX 
Travel reservation was cancelled for a full refund in XX/XX/XXXX, and the amount {$50.00} was refunded to card. 
I asked Chase customer service what will happen since the refund went to a closed card and was told I should get a check refund in 3 months ( XX/XX/XXXX ). 

We are in XX/XX/XXXX, and there is no sign of the {$50.00} refund. 

I contacted Chase, spoke with a manager, and she does not see the refund. 
I contacted Chase XXXX, spoke with a supervisor, and he confirms the {$50.00} refund was issued back to card used for payment ( ending in XXXX ). 

Nobody knows where my refund of {$50.00} is. 
Where is it, who is holding it and not contacting me to refund?
Product: Debt collection

15 use 1681. Contract laws and consumer 's rights to be left alone on a debt that I don't owe Midland Credit Management. I have no contract with them and have received letters and emails threatening me with attorneys. Under fair credit act they need to stop harassing me with emails and pay me XXXX dollars a day for reporting fraudulent claims on my credit report.
Product: Mortgage

In 2018 I had to take a modification on my Wells Fargo Mortgage. It was a tough time for me and Wells Fargo was also going through a rough time I feel in 2018. I was charged a lo5 of feed and my loan went way up.and my interest rate on my loan went up as well. My credit was really impacted a lot.
Product: Debt collection

None of these options is what I need. I want to know why there are late payment remarks from professional finance after being on my report for nearly a year. Also after they were said to be charged off. This is the first time this has happened with these medical debts.. causing my payment history to go from XXXX percent to XXXX. Iv been build credit and up to this point it increases. Will they put more of the marks on updates??
Product: Mortgage

On XX/XX/XXXX I signed a mortgage note and gave it to XXXX XXXX XXXX XXXX ( XXXX ). XXXX went out of business by XX/XX/XXXX and did not assign a note to any entity. Then XXXX XXXX XXXX XXXX claimed that it was the servicer of my loan and XXXX XXXX was the owner of my mortgage without proof. In XXXX of XXXX the loan went into default. On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( MERS ) assigned the note and mortgage to XXXX with having a power of attorney, On XX/XX/XXXX Chase created the Affidavit of Lost note, On XX/XX/XXXX Chase assigned the note and mortgage to Bayview Loan Servicing LLC ( Bayview ). On XX/XX/XXXX Bayview filed for foreclosure with the assignment of XX/XX/XXXX, the Affidavit of Lost Note of XX/XX/XXXX, and the Assignment of XX/XX/XXXX. On XX/XX/XXXX Bayview transferred the mortgage to XXXX XXXX ( XXXX ). Now XXXX claims that XXXX XXXX is the owner of my mortgage which negates XXXX, XXXX, and XXXX 's claims about the assignment of XX/XX/XXXX, the affidavit of lost note of XX/XX/XXXX, and the assignment of XX/XX/XXXX. Sometime in XXXX Bayview fabricated a HAM Agreement of XXXX in which a notary public forged my signature. I am trying to get to the bottom of this chain of fraud and figure out who owns my mortgage with proof.
Product: Money transfer, virtual currency, or money service

The wire transfer was made with my account to a person named XXXX XXXX. This was a scammer who had opened a false bank account with bank of America and impersonated a different person to collect money on an investment. 

The bank promised that its legal department would look into getting the money back and the scammer would be traced and that Bank of America would be able to track down the scammer and retrieve my money. 

Instead the bank only gave a courtesy call to the scammer and took no action to recover my money. 

The bank was given all the information that a police report had been filed and an FBI report had been filed to catch the criminal. The Bank chose to ignore that information even though the agent from the Claims department herself had stated we report this to FBI and the police as that would help to recover our money. The blank claimed they have cameras and will be able to track down who had opened that account. The FBI report attached below shows how the scammer changed the bank information by middle man hacking techniques on emails. 

I have the claim number on the Bank of America XXXX, the police report and the FBI report.
Product: Checking or savings account

I received a 1099-C related to a checking account that I closed in XXXX. I believe this 1099-C with {$1600.00} written off debt is incorrect, and I request a Tax Correction form. This 1099C form would impact my tax return, and contributed me to pay additional tax that I should not have to. Also, I have never had any debt with Citibank. 

I called Citibank customer service line XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. The customer service told me I would receive written responses back in 7 to 10 business days, but I still didn't hear any responses back from Citibank which made me very disappointed as a customer for almost 20 years. 

The matter is still not resolved, and every time I called the customer service line, they provided me a different answers. Sometime, they asked me to call the other phone number. Sometimes, they asked me to go to the branch, and sometimes, they asked me to wait.
Product: Debt collection

I spoke to a collector there by the name of XXXX on XXXX-2017 at XXXX XXXX at ( XXXX ) XXXX in regards to account collector did not give mini miranda at begining of call was very rude i told her account was to be removed from my report it was not a valid debt apartment was full of roaches and complex let me leave with no fees owed. XXXX said she did not care she was going to garnish my wages with no valid judgement and keep reporting account another 7 years then hung up on me