23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2017
 This morning I called GC services to see where the status of my student loan payments were I was currently  on a payment plan for $XXXX a month When I called they told me im no longer on a pay arrangement. GC services stated that I had to start the payment program again I said why im already on the payment arrangement the lady then put the manager on the phone he  informed  me that  they deleted my card information  they claimed to have called me ,but i didn't receive a phone call ,or email ,also I was sent proof of my payment received and put towards my amount .I was told that I had to do the program all over  again which will effect my Income taxes and my enrollment in college. Also the manager stated that there wasn't a payment set arrangement set-up i started it in XX/XX/XXXX here is proof
Information from GC Services Regarding Your Student Loan With XXXX XXXX XXXX
GC Services 
To	XXXX  XX/XX/XXXX at XXXX XXXX
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Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

While checking my credit score on XX/XX/year>. I have found that it almost went down XXXX points eventhough I was never late on any payments or applied for any new accounts. After investigating I found that somebody fraudulently created citi double cashback credit card ( XXXX ) account in my name and used to purchase lot of things without repaying the bill and which affected my credit score. I have immediately disputed this with all three agencies and XXXX came back saying it is my account and I can revert it. I am awaiting for other agency response. Meanwhile I called Citi Bank and asked about this. They said this account is closed but my credit score is still going down with late payment due to this account. They also mentioned that they will send me email and mail. I still have not received any call, mail or email regarding this since XX/XX/year>. I have called them thrice still did not get any mail or email They have promised email. But did not receive any till now. My credit score is going down I dont see any end to this issue. Could you please help me to resolve this issue ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my credit report related to the account with XXXX/Sunbit the account number is XXXX. I did not authorize XXXX, XXXX/Sunbit to report any late payments, and this information is inaccurate and misleading. 

According to the Fair Credit Reporting Act ( FCRA ), specifically under : Section 604 ( 15 U.S. Code 1681b ), which requires that credit reporting be done only for permissible purposes.

Section 623 ( 15 U.S. Code 1681s-2 ), which mandates the responsibilities of furnishers to provide accurate information.

The reporting of these late payments violates my rights as a consumer under these provisions. I request an immediate investigation and removal of these incorrect entries from my credit report listed XX/XX/year>. 

Attached are copies of my credit report highlighting the disputed items, as well as any documentation that supports my claim. Please update me on the status of this dispute at your earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I am very disappointed of Cfpb and their represanative its a shame and I am disgusted of Cfpb operation you been invented to make sure banks motgsge servicer doesnt cheat and XXXX off consumers instead you are helping these XXXX XXXX cheat mortgage servicer to XXXX  off people and frsudly take peoples home. 
Read the documents I included take action I am not alow SLS monster to take my home SLS is a cheat XXXX XXXX off stop these monsters now I sent their conducts to the FBI and I will Also contact my state attorney and federal court SLS should be shut down they are not and mortgage servicer they are fraud cheat XXXX  who have to be punished for what they done continue doing to people What I sending u is just a small portion I have about 100 pages of how these monsters do business and put people out in the stree read them
Product: Money transfer, virtual currency, or money service

There were three unauthorized transactions from XXXX, each at {$100.00}. This occurred XX/XX/2018. I filed a complaint and have not received any additional information.
Product: Money transfer, virtual currency, or money service

I woke up the morning of XX/XX/year> and saw there were unauthorized transactions on my Robinhood account A hacker sold {$65.00} of XXXX XXXX & {$42.00} of XXXX, they then bought {$300.00} of XXXX with funds in my account and then transferred the bitcoin to their own wallet. 
I immediately called customer service XXXX, they put a hold on my account and said that they seen the transactions and everything would be ok. 
After multiple follow ups waiting for the money to be put back in my account with Robinhood I was told each time on the phone they would look into it and then would receive and email from them that no further action would be taken.

I did NOT click on any suspicious emails prior to this, I did NOT give anyone my password or give them access to my account or do anything that would warrant someone getting in my account.

Robinhood 's security guarantee states that my money will be returned to me which they are refusing to do. I contacted them multiple times to try to resolve this. This is NOT a safe company to have any money invested with. The money I had sitting on the side in their account to use to buy stocks was NOT safe, it was taken and transferred to a hacker 's account.
Product: Checking or savings account

My checking account at BMO has been compromised three times in the last 6 months. The first time was in XXXX. I closed my account and opened a new account at the same institution. I thought it would happen and my funds would be better protected moving forward. Not at all. On Sunday, XX/XX/year>, my checking account was compromised again. Once for {$900.00}, and the other was a check for over {$4000.00}. When I called to report the issues, the 24-hour line was closed. I called a friend who works at the bank and was told they open in XXXX minutes. How is a 24-hour line closed? When I did speak to someone, they told me to call the branch on Monday. I called, and they told me they needed 24-hour to close and TRY to get my money back. I received the call at XXXX XXXX on Tuesday and arranged to arrive at the bank at XXXXXXXX XXXX to get my money and close my account. When I arrived, I was asked to sign for my CASH ( I requested cash ) ; I signed ... Then I had three bank employees looking at me, very nervously. My account was compromised AGAIN as they watched. I was asked to wait XXXX more hours for a call, and I will need to go back again to hopefully get my money back. I asked the employees at the bank what they were going to do about the thieves. They said, they do nothing because it was not at their branch that accepted the check. I need to file a police report. My account is closed, so I have no details or copies of fraudulent checks. I need help, please
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

THIS IS A MATTER THAT INVOLVES DISCRIMINATION ALL RESPONSES SHOULD BE IN WRITING TO THE ADDRESS ON FILE To Update the contemporaneous record on Paypal as this is not the first complaint I have filed ; - ) XXXX XXXX Withdrew {$400.00} from ATM using card ending in XXXX ( ok ) XXXX XXXX withdrew {$400.00} from ATM using card ending in XXXX ( ok ) XXXX XXXX tried to withdraw XXXX using ATM card ( NOT OK ) Prior to going to the same ATM the passwords were all updated in the paypal website after XXXX XXXX was denied at the ATM he used the ATM/Debit card to go to XXXX and also used the card to pay for his XXXX  Cell Phone bill XXXX. 

You be the Judge is this discrimation or NOT? This is not the first time this has happened either and it has happened at times when he was stuck in a bad sections of XXXX and was almost XXXX because of it. 

The last rejection for our loan which we have received many loans from Paypal and successfully paid them all back we did not receive a reason why we were rejected to the address on file here
Product: Credit reporting, credit repair services, or other personal consumer reports

Red Rock Financial is reporting erroneously on my credit file. They are reporting a balance on a account that has been paid. I have a letter stating the account was paid. This has now been reporting and ruining my credit for the past 9 months. I want this account removed/fix. It has caused way too much damage when I have paid this acount off a while ago.
Product: Credit card or prepaid card

Prior complaint close without satisfaction : XXXX Received updated credit bureau score which dropped vs prior months due to new card. 
Per prior note, this card was sent w/out option of declining : Made a payment online, splash-page came up with new card offer. there was no option to decline offer. In addition, bank comments stated offer was not preapproved - I do not send ant demographic or financial information to the bank. I believe BoA is misrepresenting the term " preapproval. 

Prior BoA comments on 1st complaint state i did not wish to receive additional call bask. True. I wan the inquiry and card removed from my bureaus. 

To date I have not activated the card Pleas address
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are fraudulent inquiries that I did not authorized : *Experian Business Cred ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXXXXXX XXXX ( XX/XX/2022 )
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 Items ( A ). It is not permissible to fail to validate these reporting items 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  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$1200.00} U S DEPT OF EDXXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$700.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} Original XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XXXX XXXX, 2022
Product: Mortgage

Ive been in Active chapter XXXX bankruptcy since XX/XX/XXXX. Quicken Loans has been and continues to assign Auction Dates to my home. Ive complied to all terms and conditions of the bankruptcy. My attorney has requested multiple times for them to stop the foreclosure process and assignment of Auction dates. As recent as XX/XX/XXXX my attorney called and demanded they stand down on all foreclosure proceedings. The request was ignored and a new auction date of XX/XX/XXXX has been assigned.
Product: Credit reporting or other personal consumer reports

Experian 's Failure to Properly Investigate Credit Disputes Experian 's refusal to adequately investigate and reinvestigate inaccuracies on my credit report. Despite submitting multiple disputes and providing supporting evidence, Experian has failed to correct or provide sufficient responses for the following inaccurate accounts on my report. 

# # # XXXX. *XXXX XXXXXXXX XXXX - **Account Number : ** XXXX... 
- **Discrepancy : ** The account reflects a charged-off balance of {$12000.00} and incorrect delinquency reporting for several months. 
- **Issues Raised : ** - The accounts payment history contains contradictory or unclear information, particularly between XX/XX/XXXX and subsequent months. 
- Despite my dispute, the account was marked as " unchanged '' during the XX/XX/XXXX reinvestigation without justification or clear evidence from the data furnisher. 

# # # XXXX. XXXX XXXX XXXX **Account Number : ** XXXX - **Discrepancy : ** The account lists a {$3500.00} charge-off but fails to align with my submitted documentation. 
- **Issues Raised : ** - The charge-off status for XXXX ( XXXX through XXXX ) is inaccurate and fails to reflect my dispute evidence. 
- The accounts comment states it was " closed at the credit grantors request, '' yet further details are missing, and my dispute was inadequately addressed. 

# # # XXXX. XXXX XXXX - **Account Number : ** XXXX... 
- **Discrepancy : ** A charged-off balance of {$14000.00} and a {$9000.00} credit limit are reported inaccurately. 
- **Issues Raised : ** - Payment history inconsistencies, including reporting of XXXX payments despite previous payments documented in XX/XX/XXXX. 
- My dispute evidence was ignored, and the reinvestigation only updated the account without resolving the inaccuracies. 

# # # XXXX. XXXXXXXX XXXX XXXXXXXX - **Account Number : ** XXXX... 
- **Discrepancy : ** A charge-off amount of {$4100.00} is inaccurate based on my submitted documentation. 
- **Issues Raised : ** - Delinquency dates and charge-off reporting fail to reflect my evidence and dispute claims. 
- The XX/XX/XXXX reinvestigation again marked the account as " unchanged '' without proper explanation or supporting evidence from XXXXXXXX XXXX 

# # # Summary of Experians Violations - **Failure to Conduct a Reasonable Investigation : ** Experian did not adequately verify or correct the inaccuracies I disputed and instead rubber-stamped the existing erroneous data. 
- **Noncompliance with FCRA : ** Experians refusal to correct or clarify discrepancies violates the Fair Credit Reporting Act ( FCRA ) under Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB regarding complain ID XXXX and the company 's response I believe the informations the company provided are incorrect. I have attached documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down for a home loan due to this NOT GETTING RESOLVED! AND I HAVE PROOF OF TRYING FOR THE PAST YEAR TO GET THIS ALL RESOLVED WITH EACH CREDIT REPORTING AGENCY! 
I WILL BE TAKING THIS TO AN ATTORNEY NEXT AS I HAVE SEEN ALL THE COURTS DOCS STATING EACH CREDIT REPORTING AGANECY HAS ALREADY BROKEN THIS LAW WITH RECENT LAW SUITS!! 

I have mailed your several letters disputing information contained in consumer reports complied, initiated an published by you allegedly concerning regarding the following : Each account is listed on beginning on page XXXX AND Per CFPB records, you received my disputes on XX/XX/2023 ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 ) Accordingly, as per the FCRA you were REQUIRED to conduct a reasonable investigation and DELETE OR MODIFY the disputed information as I requested before the end of 30 day period of the date in which you received my dispute letter. You received my dispute request letter on ( date ). Therefore, your response was due on ( date ). Instead of sending me a response letter with the results of your full investigation by confirmation, you sent me a letter claiming the information was Verified You have willfully failed to DELETE OR MODIFIY the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation and your assumption is a NOT VALID reason under FCRA LAWS to not reinvestigate my dispute. Note you have not made any reasonable determination that dispute was frivolous or irrelevant. Nor have you sent me once such determination that complies with the FCRA XXXX. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA your failure to reinvestigate is an intentional and or negligent FCRA VIOLATION. 
In a result of your conduct as described above, you shall promptly DELETE OR MODIFIY the disputed information. Additionally, as per the FCRA, you are now liable to me for damages for your conduct. In addition to your DELETION OR MODIFICATION of the disputed information, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. For each item you failed to complete fully. Be advised, the IS NOT another dispute or opportunity for you to reinvestigate the previous disputed items. The lawable period to conduct such a reinvestigation has EXPIRED and shall not be extended by FCRA XXXX! 
1, You are now, within 14 days DELETE OR MODIFY the disputed information requested, 2, send and dated copy of my full consumer file and XXXX, send me the {$1000.00} per item you failed to fix check to my mailing address listed above. 
Sincerely, XXXX XXXX The list of Laws by Fair Credit Reporting Act : 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 A, 15 USC 1681 C ( a ) ( 5 ), 15 USC 1681 S 2 ( A0 ( 1 ), 15 USC 1681 N, 15 USC 1681 O, 15 USC 1681 E, 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) THESE HAVE ALL BEEN VIOLATED!!!
Product: Credit reporting or other personal consumer reports

Lexington Law never repaired my credit after charging me monthly installments that I paid for over a 1.5 yrs in 2018
Product: Checking or savings account

This all happened on Saturday XX/XX/XXXX. 

Somebody changed the phone number on my account and then made a bunch of instacash advances of {$100.00} and then paid it back using my linked debit card and then took out a bunch more advances and then did that once more. Over {$1700.00} in advances were made and over a XXXX dollars of it repaid from my checking account. I called and reported this right as I saw it. 

After getting off the phone with the support lady I saw an email that said the phone number on my account XXXX was used to connect to a DIFFERENT account and was then disconnected from MY account. I told the lady on the phone several times that that was NOT my phone number. So why, after I reported this was this phone number allowed to connect to another account?! How is that not flagged as suspicious activity? I have been unable to change my phone number back until today, XX/XX/XXXX. I was told that you cant change your phone number twice in one day for security measures. Well how about instead of that, you use two step authentication to change anything? Something that isnt offered with this service, and if it is I havent been able to find out how to use it. 

I have so many questions. After this person changed the phone number and then immediately after started making multiple large instacash withdrawals, why wasnt that flagged as suspicious activity? And after they paid back the advances and then made MORE advances, why was that not flagged as suspicious activity? When they used all of the advanced funds to make two large purchases from a place in XXXX XXXX WHY WAS THAT NOT FLAGGED AS SUSPICIOUS ACTIVITY? And why, after I called to report this fraudulent activity, was my virtual card still active? 

I spoke with a woman from their fraud department directly after I saw all of this and reported it to her. That was also on XX/XX/XXXX. I called and spoke with her at XXXX [ EST ]. Nothing was done then nor could anyone tell me what was going to be done. This person took thousands of dollars from me and made a bunch of cash advances in my name. This is very clearly fraud. The area code of the phone number they used when they changed the phone number on my account didnt even match the state that I live in. There were so many red flags that their system should have detected.