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

JC Penny continues to furnish unauthorized inquires on credit file dated XX/XX/2018. Made several attempts to resolve with JC Penny and company failed to comply according to FCRA Guidelines.
Product: Checking or savings account

I have a Bank of America checking account and on XXXX I got an email around XXXX saying my debit card was deactivated and a new one sent. I was out of town on business and the bank just decided that since the purchases werent being made near where I usually live it must be fraud. I can understand this if the purchases were out of the country, but usually if there is a question as to the validity of the charges I would at least be contacted first, or a hold put on my debit card. Instead some XXXX XXXX decided that I have to have my card cancelled and I was in a location where no local branches existed, so I had no way to actually get a cash withdrawal. This is some really XXXX XXXX and it makes no sense why any bank would just cancel your debit card without at least trying to verify the charges with you first.
Product: Credit reporting or other personal consumer reports

I could not find my password. 
the process they have online to reset it uses old nonvalid information, ergo there is no way for me to reset it. 
I have send an email to them and they remain unresponsive. 
It is ridiculous that the only process they have is online and that doesn't work.
Product: Student loan

My Navient student loan was disbursed to me on XX/XX/XXXX with original principal of {$15000.00}. 

I started repaying the loan in XXXX. Since then I have paid {$20000.00} with {$130.00} left of unpaid interest. Currently there is {$22000.00} as unpaid Principal. I was enrolled in automatic payments and it appears that autopay was turned off by Navient during forbearance due to covid. I was unaware that this happened. My wife and I called Navient to try to negotiate a payoff amount that was agreeable to both parties. They refused to negotiate. 

I see this as usury. They will profit XXXX 's of thousands of dollars off of the loan. My complaint is that they refuse to work with us for a bulk payoff amount of the loan. It's predatory and despicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card with THE HOME DEPOT/CITIBANK XXXX XXXX XXXX and have a balance of {$1000.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX  regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXX  Account # : XXXX Balance Owed : {$70000.00} XXXX XXXX  has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA. The reporting of this inaccurate and unverified account has significantly damaged my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain, especially dealing with COVID. I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

I am hearing horrible things about this company and do not want to be a victim of predtatory lending. 
I received a loan which wasnt even {$10000.00} and they want me to pay {$15000.00} by XX/XX/2018. 
This company is a scam and the looophes they work by hurt the consumer tremendously. 
Nobody should have to go through this. I hope this gets fixed so other people dont fall into these false advertisentments and scams
Product: Debt collection

I first knew about the " debt '' when it went on my credit report on XX/XX/XXXX. I never recieved a letter to notify me of the supposed {$310.00} debt. I called Paramount Recovery Systems immediately after I noticed it on my credit ( the same day it went on there, XX/XX/XXXX ) and the woman I spoke to told me that the only thing I could do was " pay the debt, there is no other way to get rid of it ''. Obviously I know this is a lie, I soon contacted the originator of the debt and they no longer use the company that reported the debt. I contacted my insurance company and they informed me that the bill was paid back when services were rendered in XXXX. I immediately had the insurance company send proof of this to Paramount. Paramount confirmed the receipt of the EOB to me personally on XX/XX/XXXX, and even provided the name of the person from my insurance company that sent it. Since then the account has been removed from only one ( 1 ) of my credit accounts. After noticing this I immediately disputed the account on the remaining two ( 2 ) credit accounts, and Paramount told both that the account was accurate. On XX/XX/XXXX I had my insurance send another EOB to paramount with me on the line as well. Now it is fifteen days later, and nothing has changed with my credit accounts. I haven't heard from paramount, and they do not pause the account while " confirming the accuracy of the account ''. This has now been damaging my credit exponentially for nearly two ( 2 ) months and has been reported as " late '' every month since XXXX. I would like assistance in getting this cleared, because this is damaging my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX THIER WAS AN FTC REPORT SUBMITTED TO ALL THREE CREDIT REPORTERS STATING THIER WAS INACCURATE INFORMATION BEING REPORTED AGENCIES WHERE ASK TO REMOVE THE INACCURATE INFORMATION AND TO BE BLOCKED UNDER FCRA SECTION 611 A 1 A ACT 605 A AND ACT 609
Product: Credit card

CFPB I am requesting a proper investigation and to enforce the law. This has been an ongoing issue for months with this creditor who is refusing to comply with the laws under the FCRA. I have never been late in payments with this creditor, and due to inaccurate and sloppy accounting my credit score has suffered. See the attached discrepancies and conflicting information. You will see that this creditor is reporting to XXXX that I was 60 days late, and has been reporting this false information for over a year. You will see that this creditor is reporting the same account to XXXX that I was 30 days late. How can this be if the bureaus are getting information from the SAME creditor. I am requesting that you hold this creditor accountable. This creditor has assumed a vital role and have a responsibility to report consumer information with maximum accuracy. As a direct result of this creditor reporting conflicting, inconsistent and false information, my credit score has dropped XXXX points. I have been denied credit, I had to take off work and have suffered severe emotional distress. The FCRA law specifically states that if there are conflicting information across the credit bureaus the account should be deleted all together or the late payment must be removed. I have provided proof of the inconsistencies and request that the CFPB hold this creditor accountable for violating my consumer rights.
Product: Checking or savings account

I recently switched banks from XXXX to Ally Mobile. I transfered the money remaining in my XXXX account and also deposited a paycheck from the company I work for which I will include the check stub for. A few weeks ago my girlfriend was in a car accident. Our car is in the shop and we need money for our insurance deductible. For that reason a close friend issued me a certified tellers check from his credit union ( XXXXXXXX XXXX XXXXXXXX XXXX ). The check was for {$3500.00} and was to pay our insurance deductible along with catch me up on credit payments. Ally bank immediately froze my account and has refused to cooperate with me since. First they told me it would be 2 days then 5 then 10. Now they won't tell me anything and say the investigation team will call me if they need anything. I have spoken with a total of 5 different people from the Ally fraud department and none of them has told me the same thing. They have been rude, accusing me of lying and say I have given different stories about where the check came from which is absolutely not true. I know it's not true because there is only one " story '' about where I got the check and that is the TRUTH. Now today ( XX/XX/XXXX ) they say that they called the credit union and the check was not confirmed. However after speaking with the credit union they say no one has said anything to them regarding the check. I was also told today that they are investigating my payroll check as well! I have had two payroll checks bounce in the past but was immediately given a good check. I told Ally if the payroll check bounce I need to know so that I can be issued another one. The woman on the phone said " maybe you should do that '' but didn't comment as to whether the check bounced or not. No one is working with me at ally to get this resolved at all and if my check did bounce I certainly don't want to deposit it into a frozen bank. I honestly have no idea what to do. They wouldn't even let me speak to a supervisor. I have no car and my credit payments are stacking up.
Product: Credit card

Discover ran a promotion for XXXX the miles on the Discover IT Miles credit card for purchases made using apple pay through XXXX XXXX, 2015 on up to {$10000.00} in purchases for a total maximum of XXXX miles. I spent more than {$10000.00} during the promotion but did not receive a significant portion of the miles. I contacted Discover and they are requesting that I submit receipts to verify that my purchases were eligible. I have never heard of a company forcing a customer to produce receipts for purchases. None of my transactions were cash advances, they were all purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX DEAR ( CREDIT REPORTING AGENCY ), Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXXthe credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Summary : My monthly payment for my mortgage is several XXXX dollars higher than it should be every month, because Roundpoint failed to perform their escrow analysis on my account for XXXX properly. I would like some money that is currently in the escrow account refunded to me immediately, and my minimum monthly mortgage payment dropped accordingly. 


I have been making mortgage payments to Roundpoint since XX/XX/XXXX. The first year my monthly payment was quite a bit higher than it should have been, because they overestimated what my property tax liability would be. Whatever, it was the first year, there was no history of property taxes for the home because it was a new construction, so I figured I would just get a refund at the beginning of XXXX and they would recalculate my monthly payment to be lower. This did NOT happen as expected ( I did get a refund but it was less than it should have been and my monthly payment did not drop at all ), and I have called Roundpoint ( most recently on XX/XX/XXXX ) and emailed them ( also on XX/XX/XXXX ). I emailed them at XXXX, which is the email address that the customer service rep for Roundpoint instructed me to use, because he claimed to be powerless to do anything. I will repost the email I sent them below ( I will include the referenced email attachments which corroborate my claims about my expected property tax liability ), as I believe it clearly states what my issue is and what I've requested that Roundpoint does. 


" Hello, I have an account with Roundpoint for my mortgage. An escrow analysis was performed for my account at the end of XX/XX/XXXX, and I was issued a refund check of {$5300.00} ( which I successfully deposited into my bank account ). 


I believe that the escrow analysis performed for my account at the end of XX/XX/XXXX is incorrect, and I would like an additional refund check issued and my monthly payment recalculated. 


If you carefully read the attached escrow statement, you can see that Roundpoint expected a XXXX property tax bill of {$8600.00} for my property. However, you can see on that same statement that the actual XXXX property tax bill was {$3100.00}. This is alternatively easily verified through public Utah County property tax records ( linked here " XXXX XXXX XXXX XXXX '' and here " XXXX XXXX XXXX XXXXXXXX & XXXX '', and also attached to this email ). This clearly explains why I received such a large refund check after the escrow analysis was performed. 


My dispute here is that in this XXXX escrow analysis, Roundpoint seems to again be expecting that my XXXX property tax bill for my property will be {$8600.00} ( more than {$5000.00} higher than what I actually paid ). This is causing both my escrow account balance and my monthly escrow payment to be much higher than they should be. 


Please keep me posted on how you plan to correct this. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent my loan to Plaza Services LLC as i fell behind on my payment. I contacted Plaza Services LLC to settle the account on XX/XX/2021 in the amount of {$270.00}. This payment was made and the company informed me this account will be deleted from my credit report. This account is still reporting and I have contacted the company however they only sent me the attached letter and no update to my credit score as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has switched my social security number with my deceased husbands number. He has been deceased for almost 17 years. I was denied credit recently because of this. This has not been an issue until recently. I have been trying to get this corrected with them but I have been getting a different answer every time I call. The last call I was told that it is against the law for them to change the ss number without proof but they did not have any proof when they changed it to the incorrect number. I uploaded a copy of my SS card twice, the first time they said they could not read it and then I was told they never received anything. I have now sent everything registered mail with signature required. I am being told it should be corrected within 3-5 business days after the receive it.
I have an excellent credit score and I am being denied credit because Experian has for some unexplained reason changed my social security number. This should never have happened and I am having to jump through hoops to prove their mistake. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to call but I have been unsuccessful with speaking to any one. I would get the automated system and then it will hang up on me. It is fraudulent inquiries on my credit report and I am asking for those items to be removed. I have called at least 5 times with no success of speaking to a live person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries listed on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. 

Below are the details of the disputed inquiries : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or applied for credit with the aforementioned creditor on the date specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are unauthorized XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 These inquiries are unauthorized nor have written consent with my signature
Product: Debt collection

This complaint is in regards to the original complaint XXXX RE : Attempts to collect debt not owed to XXXX XXXX and XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX and XXXX XXXX XXXX claims to collect debt not owed and have damaged the consumer 's good XXXXredit score. This company 's collection practice is illegal in California and they need to be investigated for collecting debt that never existed to begin with.
Product: Debt collection

I received a certified letter from XXXX XXXXXXXX, represented by XXXX Weinberg XXXX on XX/XX/year> stating that I am being sued for {$5700.00}.
Product: Credit card

Discover issued an IRS form 1099C to be used for my XXXX Tax Return. 
I asked Discover to update my credit report since the debt was cancelled, however, Discover indicated through a correspondence/letter that I still owe the debt and flagged the debt as uncollectible debt. 
Discover failed to send me an amended 1099C upon request to be used to amend my tax return since they still would like me to pay the debt.
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 not 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. In my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I've talked to the furnisher and they've agreed to CORRECT the account BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. They have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why won't accept the dispute letters and complaints. Transunion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA laws so please correct and update this account : XXXX XXXX XXXX