23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Not an actual account opening, but rather advertising for RobinHood Gold product. Television ads for this product indicate 'up to XXXX XXXX in FDIC insurance ' in the voice over. IF you can read the disclosure at the bottom of the screen, the fine print indicates funds will be spread across ten banks in order to qualify for the maximum amount of insurance. 
This is exceptionally misleading as the general public has knowledge that FDIC insurance is limited to XXXX per account ( I know this is not wholly correct, but this figure is what the general public associates with FDIC insurance ), and this advertisement offers XXXX XXXX in FDIC insurance! 
I think this is deceiving and misleading under UDAAP!
Product: Money transfer, virtual currency, or money service

Dear XXXX, Thank you for your response. However, I must respectfully disagree with your conclusion that my issue has been resolved. Despite your claim that my ability to purchase and deposit funds was restored on XX/XX/year>, I am still unable to add money via my debit card, contrary to what was communicated to me in your emails. 

Your response references case # XXXX, where you mention that troubleshooting steps were provided and that I declined certain resolution options. However, I would like to clarify the following points : Issue Not Resolved : I am still unable to add funds via my debit card. The problem persists and has not been rectified, as I am unable to perform the transactions I was promised would work. 

Lack of Support Follow-Up : Despite the fact that your team stated my case would be resolved, I have not received any substantial updates or assistance following that response. I have patiently followed up, but the lack of meaningful follow-through or new resolutions has been extremely frustrating. 

Clarification Needed : Your teams suggestion to either follow specific troubleshooting steps or create a new account was neither clear nor practical, and none of these were appropriate solutions to a problem that should have been addressed in my original account. 

Therefore, I kindly request a thorough re-investigation of my case, including any necessary follow-up support from a supervisor or specialist. I also request clarity on why this issue persists despite your teams assertion that restrictions were removed.

I trust that you will take this matter seriously and provide a proper solution, as I have already been waiting for a resolution for quite some time. 

I look forward to your prompt and meaningful response. 

Sincerely, XXXX XXXX
Product: Credit reporting

I need to know that what I am being shown by my paid account with Equifax is what my score is becuase under CFPB Case # XXXX XXXX states that Equifax has different scores they present to lenders? 
To quote XXXX in CFPB Case XXXX the following : " XXXX said : Explanation of closure Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. 
Each credit score model has a slightly different formula that takes into account over XXXX different factors of your credit report ; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. 
On your XXXX account, you will see the XXXX XXXX scoring model, provided individually by XXXX and Equifax. 
XXXX XXXX incorporates a broader set of credit-related data and can score up to XXXX XXXX more people than other models. With so many different scoring models out there, you never know which score a bank will use, but XXXX XXXX is a strong predictor for what the banks may see. 
Hope this helps! If you have more questions, please feel free to let me know. 
XXXX, XXXX XXXX. 
XXXX Is Equifax committing fraud by using different scores and telling me my score XXXX as shown by attached or is XXXX disclosing false information and Equifax disclosing different score? 

Someone in this matter is CLEARLY being dishonest and corruption should be illegal. When does federal government uphold justice and stop the twisting of information as shown here.
Product: Checking or savings account

One day XXXX i  called to check account had money i it i asked why it was closed they said you havent used it i said theres money in it im not sure how much they said theyd send a check they never did. i had a XXXX XXXX XXXX  acount that had no fees and couldnt possibly go negative wheres my money from XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX documented that XXXX XXXX received electronic payments from an account ending in XXXX with The XXXX XXXX  which does not belong to me. I have contacted XXXX and verified that I have never had an account ending in XXXX. XXXX XXXX has gone to lengths to hide the truth that i never approved, agreed to, or authorized this credit card account. I have XXXX XXXX to provide physical data or proof as I have maintained my innocence from the very beginning by stating I did not open the card nor make any of the purchases, and sent an identity fraud report which XXXX XXXX never filed or disputed the fraudulent charges. 
Only thing XXXX XXXX is holding against me is standard public information ( address, date of birth, social security # ) which is almost always used in identity theft and fraud anyhow. 
XXXX XXXX does not have a wet signature or affidavit/agreement filed by me to open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely
Product: Mortgage

I am again having issues with the mortgage company Planet Home Lending, affiliate of XXXX. We were sent to this company for collections that we would not have have been in if XXXX would not have refused our payments for over a year. Again they accepted one and not others. So we were placed with a collection agency, who are now saying they did n't receive a payment for XXXX XXXX, the payment was sent the end of XXXX, however the other payment submitted in XXXX was also refused. The check was cashed on XXXX/XXXX/XXXX. We also had to send the modification papers in with the pay difference because this company has raised our payments from {$570.00} to {$680.00}, claiming it is for court cost lawyer fees etc. This would not have been the case if these companies would have kept the payments they received every month. I am a little concerned on whether this complaint will get results, I just talked to the company and was told the person handling the complaint is not in the office and no one else is taking his work load. 
His name is XXXX XXXX, So I asked how this business is being ran? One person that handles complaints and they are not answered in the allotted time. Again I think this is an issue and not acceptable thru FHA guidelines. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't agree with the charge off since it was a gap insurance issue and when finally paid wasn't explained what I needed to do till end of the year I owed a full payment. I lost that dispute but now my credit report is showing 2 charge offs for one issue that was paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed XXXX XXXX XXXX XXXX  and now XXXX XXXX XXXX. Each time I dispute it a new account is added to my credit report. Each collection agencies are reporting are showing the original creditor as, XXXX XXXX XXXX XXXX they're reporting the same amount but different account number and they're reporting it as new debt. If the account was sold to a debt collector, it should be removed by the old debt collector and the original date should show. In this case that's not the case they are reporting as new debt. How can I owe the same debt three times.
Product: Checking or savings account

I previously submitted a complaint regarding Chase Bank 's abrupt closure of my newly opened deposit accounts without providing specific reasons or evidence to substantiate the alleged " fraud activity. '' I already understand the deposit account was completely closed by Chase as they have the right to do it. Chase 's response to the initial complaint was unsatisfactory. Their reply merely reiterated their right to close accounts under the Deposit Account Agreement but failed to address my request for transparency and evidence regarding the alleged 'fraudulent activity ' or 'suspicious activity '.

Whats more concerning is that the issue now extends beyond the closed deposit accounts. My Chase online banking remains restricted, which prevents me from managing my Chase credit cards. Each time I attempt to log in, I encounter a restriction notice citing " suspicious activity '' as the reason. This restriction has caused significant inconvenience and anxiety, as I am unable to monitor my credit card balances, review transactions, or make payments through the online banking platform. 

Chase has not provided any meaningful explanation for these actions, nor have they resolved the restrictions on my credit card management. Despite my efforts to comply with their requests ( including providing identification at a branch ), they have failed to rectify the situation or clarify what specific activity they deemed fraudulent.
Product: Credit card or prepaid card

I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the Barclay a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
Product: Student loan

I had asked for an extention when for when I was to start paying my student loans back. They said they were going to grant me a forbearance for 1 year because I was on public assistance. A while later they had started marking me as non payment. I noticed this on my credit score. I called and they gave me the runaround. They said they were going to look into it. Then they determined the proper procedures were n't followed to maintain the forbearance. I did everything they asked me to do. It is on record that they stated I would not have to start paying the loan back for 1 year. They started reporting non payment after about 4 to 6 months later. After talking to them again, they put it in forbearance again but would not remove the derogatory marks from previously. I even started my payments early. This is through nel net.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for the following fraudulent accounts. They have not been deleted. 

XXXX : XXXX {$330.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX {$330.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$10000.00} Experian : XXXX {$3200.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please block and remove per 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax doesn't investigate a fraudulent entry on my credit report. The other 2 credit bureaus have removed it, but Equifax has had 2 chances to clear it up. They just rubberstamp the bad entry from XXXXXXXX XXXX XXXX XXXX without proof the account is mine ( it's not ). 

The creditor won't remove it and re-validates it as valid when it is not my debt. This belongs to my wife and her ex. The child is not mine and has not been adopted, I don't have financial responsibility for her and the debt was paid. I have no legal responsibility to pay for the child 's debt and it should be removed from my credit. 

Collection Agency : XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " XXXX '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " Spring Oaks Capital LLC ''.
Product: Student loan

I applied for PSLF forgiveness in XX/XX/2021. I requested my payments made during the COVID pause to be refunded to me from XXXX and MOHELA ( once I was transferred ). I did not receive the refund and am now being told I will not because my loans were forgiven. However, I made the request before the loans were forgiven. Also, they did not count my payments made to XXXX from XXXX, which would have given me 160+ payments and qualified me for a refund. XXXX had me listed as in school, which I was not, I was in repayment. When I asked for these to be fixed it was changed to Administrative forebearance. They are only listing me at 120 payments and not counting those years. The amount of money from the Covid refund alone is {$12000.00}. It is not insubstantial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate account which is the Police & Fire on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate and remove the following accounts/inquiries due to fraudulent activity. 

This inquiry/account was fraudulently made by someone else and are to be REMOVED from credit file
Product: Debt collection

I 've always had medical insurance and XXXX bills are showing up on my credit score. When I called to pay off a settlement agreement from XXXX $ to XXXX XXXX I called to pay it because it was due by the XXXX of XXXX 2015. I was having issues with my health insurance and being billed for things after my original copay. When I talked to the representative for conemaugh he told me that the insurance must have been set straight because I had a XXXX balance. Well I called XXXX in XXXX they said it was put into collections. So the office that billed me said it was paid and not put into collections but collection 's says they have it. I was trying to pay the XXXX $ and just found I 'll this out. Plus several other medical bills in collections. Some I probably owe but others like the previous XXXX I had insurance with. I would appreciate help in this matter since it is affecting my credit score. I can communicate by email some or text or by phone would be best. My email address is XXXXXXXXXXXX or XXXXXXXXXXXX. my name is XXXX XXXX and my phone number is XXXX. Can you please contact me?
Product: Debt collection

I received a letter from a AFNI stating that I owe them {$410.00} for XXXX. I have no knowledge of this account. I mailed a letter to AFNI on XX/XX/XXXX asking them to VALIDATE not VEFIRY this dent that claim I owe them or XXXX. The attached letter is the only document they sent me. I sent a second letter on XX/XX/XXXX requesting that they please VALIDATE this debt they claim I owe them or remove it from my credit report immediately if they can not provide me with suffice documentation. They in turn sent me the same document again. The letter states this is VERIFICATION and I have asked them for VALIDATION that I owe them this debt in which I do not.
Product: Credit reporting or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

I was given student loan forgiveness months ago. My student loans were supposed to be forgiven back in XX/XX/year>. I have accounted for 183 payments for subsidized and 184 payments for unsubsidized loan forgiveness. However, only 120 payments were needed for both. I received a email several months ago saying they were forgiven, however I still have the loans on my account and they are not forgiven. I called XXXX and XXXX and they both stated that I have no loans with them. Studentaid.gov shows the loans forgiven, however all three of my credit reports does not reflect this information at all. This was back in XXXX and it is XXXX. My credit reports are showing inaccurate due to my loans are supposed to be off my reports. Also, Mohela said that I have a overpayment but when I asked about it they played like they did not say anything else when I called last week to see what was the overpayment and if I would receive a check for overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX
Product: Debt collection

Around XX/XX/, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent Capital.

This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.