23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a loan under my name without my consent. The company is Check n go and on my credit report it is listed as XXXX. Whoever opened this loan had been making payments on it with a bank account that is not mine. I already contacted the company and all the credit bureaus so they can do their investigations.
Product: Vehicle loan or lease

After Repossession of my vehicle, there was 33 state Predatory Lending Class Action Settlement against Santander Consumer USA. I Purchased my vechile in XXXX of XXXX and my car repossession happened in XXXX of XXXX. So after several attempts to get this account removed from my credit profile santandar failed to respond and stated my name was not in the system. XXXX of XXXX according to the agreement, my debt is to be forgiven and account status should be removed from my credit report. because of what was agreed to in the settlement. This has now become a violation and need to be corrected within the next 30 days of receipt of this complaint. This Account Is Also reporting different balance due, different reporting dates. which is violation of the FCRA
Product: Mortgage

On yesterday I was informed by Wells Fargo that my residence is scheduled for sale on XX/XX/2023. And the only way I found out was by way of me calling Wells Fargo out of curiosity. Wells Fargo has discriminated against me because of my race and XXXX. And theyve denied me the right of a loan modification and refinance. Currently Im permanently XXXX and theyre violating my civil rights as a XXXX person with XXXX. Then they cover up for criminal fraudulent activities by XXXX XXXX to who doesnt live @ this residence XXXX XXXX XXXX XXXX XXXX Pa XXXX. But yet they still call XXXX XXXX XXXX for him. Wells Fargo also failed to acknowledge the death of my late Mother XXXX XXXX which now makes me 50 % owner and the {$18000.00} Refinance Check that was forged in my name by XXXX XXXX
Product: Debt collection

I sent this company a validation letter and they signed for it on XX/XX/XXXX about an alleged debt they say I owe. What I received in return was a bill/statement. 

They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate along with the dates on the bill/statement they had sent me that supposedly verified this as a valid debt I owe. 

The open date that shows on my credit report, regarding this account shows that it was opened XX/XX/XXXX however on the bill/statement they have sent me it shows date ranges from XX/XX/XXXX to XX/XX/XXXX? So 3 years later they want to report this false information? 

The high balance compared to the balance on my credit file for this is showing a high balance of {$210.00} but a balance of {$610.00}? But on the bill/statement they sent is shows {$610.00}? Nothing is accurate about what they are claiming! What is crazy is that the credit bureau ( s ) came back and said it meets FCRA requirements Thats a lie. What proof did they get?! 

I am making a final attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. 

All documents regarding communication with this company including return receipts and what I received from them along with the entry of this account on my credit report have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded XXXX XXXX to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to XXXX XXXX via email to fix the error. XXXX XXXX is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to Trans Union, XXXX, and XXXX  in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX  has removed the account from my credit report while Trans Union and XXXX has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was XXXX XXXX about to verify with Trans Union and XXXX but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.
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 timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. XXXX XXXX ( the former servicer ) placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end since I had a fannie mae loan. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are US XXXX veterans who both served in war in XXXX. We were never late on our mortgage payments and were current for years and was current at the time of the disaster in XXXX. 
At the end of the 6 months XXXX extended the forbearance for an additional 6 months for a total of 12 months per XXXX  XXXX  my current investor at the time. ( I am including the FEMA declarations and the FEMA disaster forbearances XXXX  placed me on. ) The second FEMA disaster forbearance ended on XX/XX/XXXX. We were hit by Hurricane Michael declared by FEMA on XX/XX/XXXX. XXXX was in process of trying to find out if I should be placed on another disaster forbearance or should they proceed with the disaster modification. 
I spoke to them on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX, XX/XX/XXXX ( Mrs XXXX ) who confirmed my file was submitted to XXXX XXXX on XX/XX/XXXX and they were still waiting on a response. Then on XX/XX/XXXX ( XXXX XXXX ) he said it was still in review. On XX/XX/XXXX ( XXXX XXXX ) she said it was still in review and I need to wait. They all said this was a special situation since we were hit by back to back hurricanes and they were trying to decide how to handle it. On XX/XX/XXXX ( XXXX XXXX and supervisor XXXX XXXX ) both said it was still in review and to wait. 
Well I received a Notice of Servicing transfer dated XX/XX/XXXX and from that point they said I need to speak to the new servicer. No one from XXXX told me they were going out of business or that my loan was being sold and not just service transferred. I received a notice stating my loan was being sold on XX/XX/XXXX.
Product: Debt collection

The original creditor, XXXX XXXXXXXX XXXX  never notified me about this debt. They are in violation of the Fair Debt Collection Practices Act. They did not send me any correspondence to inform me of this debt before it was sent to collections which has hurt my credit. XXXX XXXXXXXX XXXX received their keys in XXXX and this collection account was opened in XXXX. There was not enough time to notify me of debt, receive a response from me and then send me to collections. The debt collectors acting on their behalf should provide proof that I was notified of debt by original creditors and show proof of their collection efforts before this was sent to collections and reported to credit bureaus.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report
relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate
these issues to the CFPB , FTC and my Attorney General. 

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

XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Tel/fax : XXXX Email : XXXX XXXX : Navient XXXX XXXX XXXX XXXX, PA XXXX Tel : XXXX / Fax : XXXX My Navient Federal Student Loan Acc't # XXXX On XX/XX/XXXX U.S. Congress decreed that federal student loans be subject to interest freeze and repayment forbearance until XX/XX/XXXX, but Navient is unlawfully reporting on my credit reports that I'm delinquent in repayments ; Tell Navient to cease such unlawful reporting and confirm by letter to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information multiple times with Transunion, XXXX XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my account and noticed that my account was in a derogatory status, when the account was settled for less and satisfied before the date of charge off. 

Account Number XXXX
Product: Debt collection

I have contacted AWA collections 3 times by certified mail as well as disputed the XXXX fraudulent accounts with all XXXX credit bureaus and they allege the accounts belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the accounts. Accounts Numbers XXXX and XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX, I received a phone call from XXXX ( XXXX ) XXXX stating that a woman by the name XXXX XXXX in Florida made an unauthorized, fraudulent transfer through XXXX on my PNC account in the amount of {$2500.00}. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. 
I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX ( XXXX XXXX ). He then prompted me to enter my home address, email address, and phone number as the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account. He asked me to state the confirmation number. He kept asking me to log out of my account and then log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX ( XXXX XXXX XXXX XXXX  ). This wire transfer was completed. He asked me to transfer the amount in my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX. At this point I told him I do not feel comfortable clicking the link for the apple payment and he reassured me that this is standard procedure to get my funds back. I hung up and called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back tomorrow, there is no guarantee I will get my funds back from the wire transfer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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

It's impossible to reach Experian over the phone. This has been my experience in the past 4 weeks when trying : 1. Being disconnected after a long hold ; 2. Being disconnected when someone who introduced herself as XXXX ( with a heavy XXXX accent ) replied but before I even began explaining what I need ; this was the only time when I was able to reach a human being out of at least XXXX attempts ; 3. Lately there has been no option to reach a person for any reason, there are only a couple of automated options that don't cover my needs. 

Also the options to dispute on line are limited to elements selected by Experian and their responses are extremely vague.
Product: Credit card

my personal information was stolen by a navy federal impersonator and my phone number was spoofed on XX/XX/year> and unauthorized charges on my credit cards of {$3500.00} on both cards were made for XXXX XXXX XXXX XXXX I reported the fraudulent charges to navy federal and i received a temporary credit for the charges that were later removed when they said they have found no evidence of fraud. i wrote an appeal to them but was later told the decision stands. i was told that i can receive further help by going to a navy federal branch but i was unfortunately XXXX XXXX XXXX XXXX XXXX XXXX where there is no branch. i later went to a branch a few weeks ago when i came back from duty to submit the claim again to later have it be denied as they said no error was found. At each turn i was explained the impossibility and ridiculousness of me authorizing the charges as XXXX XXXX XXXX XXXX XXXX  and would be unable to travel to XXXX only to be met with skepticism and their explanation of why the charge is legitimate.
Product: Student loan

Was put on a nine month rehab program, completed it and was charged {$13000.00} additional interest along with a {$6000.00} fee after completion and they kept taking off the once one driven repayment plan before the renewal one year time was up and was not allowed to regain it along with being told call the Deparrment of Education to ask them to take off the additional interest. Asked numerous times to send me the forms in the mail to reinstate for income driven repayment plan and never received anything. Then started getting 10 robo calls a day from unknown numbers along with Navient, XXXX   calling and harrassing me with nonstop daily calls leaving message or voicemail with someone talking so fast noone could understand. This is ridiculous and illegal and harassment
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$5300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I went to a Chase bank to withdraw money from my account with another bank. I tried term ID XXXX and it did not give me the {$200.00} that I had requested. It printed receipt that says to contact Chase Bank. I went to Term ID XXXX and was able to withdraw the {$200.00}. Chase Bank never returned the {$200.00}, and withdrew {$400.00} from my account. I called my bank to dispute the charge. I also contacted Chase as  the receipt said to do, and I was told since I am not a Chase customer there is nothing they can do.
Product: Mortgage

We got a home loan through XXXX XXXX XXXX in XXXX. XXXX XXXX sent us a {$3200.00} check for overpayment shortly after we closed, and sold our note to its processing company, SPS Servicing. 
When the first monthly mortgage bill came from SPS ( which was either XX/XX/XXXX or XX/XX/XXXX ), I noticed that our payment had decreased from {$3100.00} to a new payment of {$2600.00}. 
I went on line to try to figure out what had happened, and it became apparent that the initial refund was from what they thought was an overpayment to the escrow account.

I called right away -- because I realized, they were now collecting {$47.00} monthly for our taxes and insurance, when they should be collecting {$460.00} each month.

The person I spoke with at SPS told me to just keep paying the extra {$460.00}, and that it would go into the escrow account. So I did what I was told, and in the next statement, it showed that payment going toward the principal instead of the escrow account.

Greatly alarmed, I called SPS again in XX/XX/XXXX and requested an Escrow Audit, and asked that the {$460.00} that was supposed to go to my escrow account be corrected. The person on the phone said that she would start the process for the audit, and get the money put in the right place. ( I had been using my bank 's electronic bill payer through this time. ) On my XX/XX/XXXX payment, I sent it by check and wrote on the coupon, that the overage was to go to escrow -- but of course that didn't happen. I called SPS on XX/XX/26 and spoke to someone named XXXX when I saw that YET AGAIN, the extra {$460.00} was put towards the principal, despite me sending a check and writing on the payment coupon that the overage was to go to the escrow account. 
XXXX seemed to have a hard time understanding why I was upset about my payment being less. She had an extremely hard time grasping the fact that SPS was collecting HUNDREDS of dollars less than I needed to fund my escrow account to get my taxes paid. She had to go talk to a supervisor for about XXXX minutes, and when she came back on the line, she said she FINALLY understood what I was saying. I requested an Escrow audit AGAIN and she said SPS would follow up by mail within 10 business days. 
The payment coupon for XXXX just came, and I can't figure out what they've done with the {$460.00} that I YET AGAIN designated to be applied to the escrow account. I have been dealing with these people for 5 months now, and they have promised to make everything right and have done exactly NOTHING. All of my overpayments toward my escrow are NOT in my escrow account and I have received NO correspondence about correcting these ongoing errors nor have I received any correspondence about the Escrow Audit. 
I will now be socked with a massive tax bill at the end of XXXX, and I am done playing with these incompetent and unresponsive people.