23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I notified Sams Club World elite Mastercard, issued by Synchrony bank, regarding a series of unrecognized XXXX XXXX charges on my credit card. The unrecognized charges occurred over multiple months and appeared to increase in debit amounts over time. Synchrony bank stated they would initiate an investigation and then reissued a new card. I was temporarily credited the disputed amount. Later I received a written letter stating that I would not be held responsible for the amount of the fraudulent charges which totaled almost {$1000.00}. After I received this letter, the new credit card statement depicted a generic transfer debit from the old account to the new one, for almost the same amount that was originally disputed. In addition there were multiple generically labeled transfers of duplicate fees that resembled the original fraudulent charges. When I called Synchrony Bank, their dispute department did not provide a satisfactory answer. The debit transfer amount from the old account to the new account appeared excessively high, considering I did not even have a new card to use during the transition period when a new card was being issued. The matter is still unclear and unresolved. The phone rep also said she did not understand fully where the charge on my new account originated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XXXX. I have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XXXX XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX XXXX case # XXXX XXXX. Now in XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX XXXX XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XXXX I am also including all the addresses of all the places that the consumer report has me living.
Product: Checking or savings account

On XX/XX/18 I made several calls to the bank to close my account and all representatives spoke to refused to close my account without me paying the outstanding {$18.00} XXXX XXXX membership fee first. I stated I did not wish to keep the account open, so close the account, which every representative I spoke to on the phone refused too do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am presently in process of purchasing a home and my Lender came back to me asking for more information on properties that I " Own '' and I did not list on my application. I was told that they appeared on a " XXXX report ''. The property addresses are XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. Like so many others I got caught in the XXXX crash and, unlike so many others, maintained my properties through the short sale process. I successfully negotiated short sales transactions with No Deficiencies on both of these properties. 

Am attaching a copy of the XXXX report dated XXXX. For whatever reason the short sales at XXXX XXXX and XXXX XXXX that were completed on XX/XX/XXXX and XX/XX/XXXX respectively continue to be reported resulting in a High probability of loss due to fraud. I NEVER engaged in fraud or deception with any lender prior to, during, or after the XXXX Crash. Nor will I do so moving forward. 

This is old and outdated information. I survived the 7 years it took to get these off my credit report. Now it is many years past those 7 years and this is still being used unfavorably. I continue to be damaged as a result of this illegal and unethical reporting. 

Please get this information removed from the XXXX system at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$780.00} written off. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$36.00} writte FCRA violations : payments never late DEPT OF EDUCATION/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4700.00} Status Open. 
DEPT OF EDUCATIONXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Open. 

FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all three ( XXXX, Equifax, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.
Product: Student loan

My loan was discharged in XX/XX/2024 due to XXXX XXXXXXXX. Mohela refuses to honor the discharge and is still trying to collect the money for a discharged debt. I call them and. the give me the run around and tell me I need to contact XXXX. I talk to telnet and the said they definitely furnished Mohela with the discharge paperwork and they are trying to scam me.
Product: Mortgage

XXXX XXXX - I sold the home and paid off the home mortgage with the proceeds from the sale. Astoria Federal Savings, held the mortgage and reports the mortgage as being in XXXX XXXX " closed and paid '' along with another paragraph which states, " account paid for less than full balance. '' This statement makes the impression that I sold for less than the balance of the mortgage or via a short sale. This is anything but the truth ... I paid them every penny and have the IRS tax records which easily shows the record. The only negative on the credit report was the XXXX 30 day late payment posted to the account in XXXX XXXX. I 've called them, I 've written them, I 've emailed them and I 've even faxed them ... .and not once have they replied. I 've addressed this with the credit agencies, but the dispute process is XXXX in which is all done electronically so no human has actually reviewed the supporting documentation that I 've sent them. I can not be the only person that has had issues with Astoria Federal Savings. It 's an easy mistake to correct but unfortunately they 're not be respectful and have proven XXXX interest in providing any client service.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumer of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed or amended the disputed account, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a phone call from Wakefield and Associates ( XXXX ). They did not leave me a voicemail but because I am a debt collector, I recognized their name and called them back. They informed me that I had been turned in to collection for a bill from XXXX XXXX ( aka : XXXX XXXX XXXX XXXX ). This was considered pre-collect so I promptly paid the bill. I have never received written notice from Wakefield and Associates. I called them to let them know that this was paid and they have refused to give me more information so that I can submit proof of payment. I have requested email addresses and they continue to give me fake emails that get returned. They will not give me a billing address and they have not sent me any mail. They've informed me that this will get reported to the credit bureau. I've attempted to call the company where the debt originated and I am routed to their billing department outside of the country. I have paid this debt. I have proof of payment. But no one will give me an opportunity to provide my receipt.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Fay Servicing purchased our mortgage when we refinanced on a 10-unit apartment complex my sister and I own. On XX/XX/2022 they made three payments totaling {$1300.00} from our escrow account for insurance that isn't ours. We initially thought it was " lender forced insurance '' because they kept sending us letters stating that they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed and upload proof of insurance multiple times. We recently learned that the payments were sent to an insurance company we don't even use, presumable another account holder 's insurance company. 

Then on XX/XX/2022 Fay Servicing purchased flood insurance from our escrow account for {$2000.00} on our behalf, supposedly because they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed, and upload proof of insurance multiple times. 

The property includes five duplexes and FEMA required a separate policy for each building. So, we have five policies that never lapsed, four at {$50000.00} and one at {$55000.00}, which is {$5000.00} more than the {$250000.00} of coverage that Fay Servicing requires for the property. But, they only recognize the policy for one of the buildings, which has the XXXXame street address as the entire property. We have repeatedly emailed, snail-mailed, and uploaded documentation showing that the five policies are all for the same property. I have spent hours on the phone speaking with their representatives, explaining the situation, and trying to resolve it. Each time the representative I speak with seems to understand the issues and promises to correct them but they never do. I spoke with an agent again two weeks ago and was told he would get back to me within a week but that didn't happen. They won't let me talk to anyone in the insurance department, where there is probably someone that could understand and resolve the issues. 

It looks like we are going to have to go through Small Claims Court to resolve this, which will also be time-consuming. I've read a number of reviews for Fay Servicing and many complain of similar issues as ours. It's no wonder they have a one-star rating on XXXX, it would be zero-stars if that was an option. It seems that Fay Servicing spends much more time answering complaints to the XXXX CFPB, state insurance commissions and attorney generals, etc. than it would take to resolve the issues. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am submitting a formal complaint against Capital One Bank and XXXX XXXX  for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including the illegal reporting of canceled debt, unauthorized hard inquiries, and failure to correct inaccurate information.

Additionally, I am issuing a Cease and Desist Notice to prevent further unlawful actions that harm my credit standing. These creditors and reporting agencies must immediately cease all inaccurate reporting and remove all false, outdated, or unverifiable information from my credit report. 
Complaint Overview : Continued reporting of discharged debt despite Form 1099-C issuance Unlawful hard inquiries without permissible purpose Failure to correct false and outdated credit information Furnishing inaccurate and misleading data to credit bureaus FCRA Violations Identified & Legal Basis : 1. Illegal Reporting of Canceled Debt ( 15 U.S.C. 1681s-2 & 15 U.S.C. 1681c ) Capital One and XXXX XXXX  both issued Form 1099-C, which legally discharged these debts.

Despite the cancellation, these accounts remain falsely reported as open and outstanding, damaging my credit score.

Legal Violations : 15 U.S.C. 1681s-2 ( b ) : Creditors mu
st ensure accurate reporting and update records accordingly.

15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits reporting of debts canceled more than 7 years ago. 
IRS Treasury Ruling XXXX : If a creditor issues a 1099-C, they forfeit the right to collect or report the debt as outstanding.

Immediate Remedies Demanded : Full removal of the accounts related to the discharged debts from all credit bureaus ( Experian, Equifax, and TransUnion ).

Cease all further reporting of these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened an account with Barclays Bank Delaware in XXXX. The card was closed XX/XX/XXXX for non-use ( two years of no activity ). The remarks on my credit report indicates " Dispute resolved ; customer disagrees. '' I contacted Barclays at XXXX and was told that an external company ( who they would not name ) does the reporting to the credit bureau and that's what they add when they close accounts. I explained, and they confirmed the same, that I did not have any disputes, nor did I disagree with any dispute. They refused to update my credit record, advising that I could either write them via mail or dispute the information with the credit reporting agency. I have since disputed with the credit reporting agency. This is false reporting - as I did not have a dispute or disagree with any dispute - and has resulted in a decrease of my credit score.
Product: Debt collection

This year out of the blue I receive a letter from HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never heard of this company nor ever had a contract with them. I sent a letter asking them to provided proof I own them a debt. They did not comply and next thing they did was report on my credit report as a collections. I never had a contract with the company nor gave consent for them to report on my credit report. I want them to cease and desist any further actions and to remove any negative remarks off my credit report.
Product: Debt collection

We paid some of the debt to CBE Group and told them i would call them when i could pay more. they have called me every weekday for the last XXXX weeks. I dont have the money yet but it seems like harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A RESULT OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer 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 these violations.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, XXXX, and Equifax, I, XXXX XXXX, a natural person, am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law. XXXX of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report. Your failure to investigate and correct these inaccuracies is in direct violation of XXXX XXXX Code XXXX ( Fair Credit Reporting Act ) and XXXX XXXX Code XXXX ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I formally demand : XXXX removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information on other accounts. Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and considering potential legal action to protect my rights. I expect a formal written response and resolution to this dispute within XXXX  days, as required by federal law. Please send all correspondence and supporting documentation regarding this matter to my contact information listed above. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally report an issue involving a XXXX payment sent from my Chase account in XX/XX/year>, when the platform was newly launched. 

I attempted to send {$2500.00} via XXXX ; however, the funds were mistakenly sent to the wrong recipient due to an error in the entered contact information. Upon realizing this mistake, I immediately contacted Chase customer service to rectify the issue and retrieve the funds. Unfortunately, I was informed that ChaseXXXX could not recover the money, as the transaction had already been processed. 

As a result of this error, I faced severe financial difficulties. The {$2500.00} was meant for my rent payment, and its loss caused my rent to be delayed. 

Considering the extenuating circumstances, I kindly request that you review this matter again. I understand that XXXX transactions are typically irreversible ; however, given the impact this situation has had on my finances and the timeline during which this occurred, I would appreciate any possible assistance or goodwill resolution from your organization. 
Thank you for your attention to this matter. I look forward to your response.