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

My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
Product: Debt collection

On XX/XX/2020 I received a letter via XXXX from Midland Credit Management regarding a XXXX XXXX XXXX  XXXX XXXX '' XXXX XXXX  Mastercard. On Monday, XX/XX/2020 I contacted Midland Credit Management via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from Midland Credit Management I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed MIdland Credit Management that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that Midland Credit Management sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe Midland Credit Management any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form Midland Credit Management harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans with Firstmark Loan Servicing. XXXX loan is on automatic bill pay the other is not. The loan that is not on this service I do not receive statements for or any type of notification of payments due. I would have to log in to read any messages. No communication is sent by mail, phone, or email. Anyway, because of this coupled with some of my loans being under COVID forbearance I did not realize my loan payment was due and incurring monthly late charges and negative affecting my credit score. I paid my outstanding balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX 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: Checking or savings account

Hi I registered a complaint yesterday for my Bank of America Account and no low and behold once I tried to use the funds in the account magically all my bank account lost the use of my debit card with the same message you do not have a debit card on this account pleas order a new one. It should be pointed out that the bank of America accounts new and I am unable to activate it now. 

The XXXX  XXXX account. I XXXX money too once the money came from BofA erased all mean of remove ing the funds from that account. all I managed to do was reset my XXXX in XXXX XXXX but now as I said I no longer have any debit cards on any bank account I own I know BofA thinks this is funny but should I be surprised that the XXXX employees who closed my acc out said they were reporting my to XXXXXXXX XXXX  ante one more XXXX and removed my card and name from the system controlling my debit cards?
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and there are several unauthorized inquiries on my credit report that i do not recognize nor have i authorized. Please see inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I believe the account is invalid. CREDIT CONTROL SERVICE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CREDIT CONTROL SERVICE XXXX
Product: Credit card

I was enrolled in automatic payments of minimum payment and instead was charged for the statement balance resulting in being overdrawn over XXXX.
Product: Checking or savings account

On XX/XX/2022, someone used my debit card information to make XXXX purchases from XXXX in the amount of {$1100.00} per purchase. They actually attempted a fifth purchase, but due to a limit on the card, I was able to cancel the card before it went through. I reported this yesterday to my bank Regions, but was told the charges were still pending and I could not submit the fraud claim until the amounts actually posted. They said this would occur today -- XX/XX/2022, between XXXX and XXXX XXXX. I contacted the bank again today, and the amounts XXXX x {$1100.00} are all still pending. I have now been told that I have to wait until tomorrow to submit the fraud claims. Right now, my account is about to be overdrawn due to these charges.
Product: Credit card or prepaid card

replying to complaint ID XXXX I was told by Discover representative if still no refund of {$1700.00} once chair is returned to merchant, I should call discover to reopen dispute. I called Discover to no avail, they did not reopen dispute. 

the furniture was picked up by merchant on XX/XX/2023 and on XX/XX/2023 for a full refund as evidenced in the attached enclosures. However, no refund has posted to my account in the amount of {$1700.00}. 

Can you help me reopen this dispute because the furniture was picked up by merchant and returned to merchant XX/XX/2023 & XX/XX/2023 for refund of {$1700.00} and no refund has been issued. My name is XXXX XXXX last 4 digits of card : XXXX my phone number is XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( all 3 Bureaus ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( all 3 Bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting or other personal consumer reports

I have noticed for several months that Equifax has inaccurate personal information on my credit profile. 
Specifically, the address, and my employer. 

My only address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Accordingly, the additional addresses list on my profile are inaccurate and are undeliverable to me by the US Postal Service. Per my rights under the FCRA, they are inaccurate and must be removed immediately. 

In regards to my employment, my ONLY employer is : XXXX XXXXXXXX XXXX 
Any other information listed is inaccurate and must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis credit reporting agency is inaccurately reporting my payment history. My last payment on my account was XX/XX/XXXX. They are reporting that my last payment was in XX/XX/2021. In addition the comment section of my report is also incorrect. They are reporting payment deferred which is incorrect. How can this company properly investigate my claim in 5 days and advise me that me information is accurate. I am frustrated and have submitted a letter from XXXX XXXX Mortgage supporting my dispute and requesting them to update my report. Innovis has failed to follow XXXX XXXX Mortgage request. I am seeking assistance from CFPB in resolving this matter with Innovis. 
* The comments below was copied from my Innovis credit report and pasted below * Here are their findings : Initiated : XX/XX/2021 Additional Information : Please be advised that my account is not in deferrement. I would like this status removed from my Credit Report. Please confirm with chase bank Status : Investigation completed on XX/XX/2021. The item has been verified. Please review the report for the most current information.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 9 mos ) for {$700.00} - This is not accurate and needs to be immediately removed. Please fix this issue as it's messed my ability to get credit for myself.
Product: Debt collection

I first got my debt notice from GLA Collection Company and on the back of the page it asked if I had any insurance information. I filled out the back of the page and never heard anything if they filed with insurance or not. 
I got another letter saying I owed money. I called and asked if they ran it through my insurance. 
The guy on the phone XXXX was very rude and told me he was not going to check with my insurance that he did n't have to and it was past the point for that. 
I then got a letter on XXXX XXXX 2017 that says I have 60 days from the date of this letter to make the payment in full. 
A week later I got another letter that said I had 10 days to pay and that I need to call this number XXXX. 
I called the number and again the guy was very rude and told me that I did n't have 60 days I only had the 10. I asked why I got this letter that said 60 days and he said he did n't know and did n't care. 
I just thought that was very rude and he was just did n't care about working with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt on CFPB to get XXXX to remove negative information that I disputed via certified mail on here and with the XXXX XXXX failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? XXXX is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to XXXX violating my consumer rights knowingly and wilfully. I will seek to be my remedy in court
Product: Student loan

Good Morning, I went to renew my information on XX/XX/year>, for the XXXX year, including renewing my XXXX information. I got a new job making more money. I submitted that information under the XXXX XXXX. However, I could not afford the payment of XXXX. In XXXX, I spoke to another representative about my payment issues, and they stated I could remain at my XXXX payment for another year due to a policy imposed by the XXXX XXXX. This worked to my benefit and was a great relief. 

However, I have been placed on an administrative forbearance since XXXX while my recalculation has been in process. The problem is, I got a notification from MOHELA stating my payment of {$310.00} would be due around XX/XX/year>, and the information they previously gave me about the old payment of XXXX was not correct as I have been in recalculation status since XXXX and will not find out what my payment will be until XX/XX/year>. This information was given to me on XXXX.
Product: Checking or savings account

On Thursday XX/XX/XXXX - I applied for an online joint banking account for my husband and I was denied. I called to verify this on Monday XX/XX/XXXX. I have n't received a letter yet.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit card or prepaid card

i was issued by the state an unemployment card. I have yet to receive on that works until recently. Apparently they kept sending to the wrong address, etc. I finally received a card, which has a balance of negative XXXX I HAVE SPENT MONTHS TRYING TO GET THIS CARD THAT SHOULD HAVE AROUND 24000 OR SO ON IT. I CALL IN AND LET THEM KNOW THIS, AND WAIT ON HOLD FOR 3-4 HOURS ONLY TO GET DISCONNECTED OR GET SOMEONE RUDE. 

THEY HAD DISPUTES FOR THE AMOUNTS ON THE CARDS THAT WERE MISMAILED OR SENT TO SOMEONE ELSE AND WERE SUPPOSED TO BE REFUNDED. I GOT SOMETHING IN THE MAIL STATING WE CLOSED THE DISPUTES FOR SUSPECTED FRAUD. ( MY IDENTITY WAS VERIIFIED AND BOA WAS INFORMED ) THEY SHOULD HAVE NOT REVERSED THE DISPUTES, AND THEY SHOULD NOW THAT THEY RESTARTED THE CLAIMS BE RESPONSIBLE FOR THIS AND MAKE SURE I GET THE FULL CREDIT FOR WHAT WAS MISUSED AND OBTAINED ILLEGALLY ... 

THEY SHOULD NOT HAVE LET THIS HAPPEN IN THE FIRST PLACE AND BE HELD RESPONSIBLE FOR THE PROBLEM.
Product: Credit reporting or other personal consumer reports

Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The Experience was Private to the Household members. I Didn't give ( XXXX, Transunion, XXXX ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove XXXX XXXX from my Credit File @ XXXX, Transunion And XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Checking or savings account

First of all this has been going on for well over a year and a half now. I have filed previous reports, and the responses that are received from JPMORGAN Chase are proof as evidence of the company not willing to assist in any resolution. In my last complaint to them, i had advised JP Morgan Chase that i am a victim of identity theft, my wallet was stolen previously well over a year ago. I did call in to report it to the banks fraud department. As a result there were four bank accounts opened in my name two checking and two savings accounts. These were not authorized. I never lived at the address they had on file, XXXX XXXX XXXX XXXX TX XXXX. Yet even when providing them with proof of such evidence that i am a victim of identity theft they refuse to care. Also they put in their last response a copy of an email that was sent from my email when it was hacked. I had to go through actual postal service, get my address re changed due to the fraud person moving my address mail. As well as get my email address back after finding this out. I did not open any XXXX Credit card with you, I did not sign any fraud letters. I did not use these credit cards. I also did not open these checking or savings accounts with your financial institution. Once again i do not care what previous response you have provided or that you are wishing to not respond any further. I did not write any emails to your executive office. That is not my email, and i did not provide you with any information other than my current address. Which it seems per your customer service rep you now stuck internally for these fraudulent bank accounts and credit cards too. This is crazy. You treat victims with abuse.
Product: Mortgage

This has been going on for at least 6 months. 
I've complained to the company, not fixed. 
I've complained on here, not fixed. 
I'm complaining again. 
There is absolutely NO WAY to use their website. This is a programming error on their end, not mine. It is not a forgotten PW or log in or anything. 
When you successfully login, their site throws up a choice for your 1098 : " Get your annual Mortgage Interest Statement ( 1098 ) as soon as it is available! Choose " Go Paperless '' to get secure online access today. We'll notify you when your form is ready to review. '' It does NOT matter which of the 2 choices picked, Go Paperless, Keep Settings. 
Both throw up the SAME error, which lets you go no further. 
" HTTP Error Response '' " Error 400 '' I'll send the screenshot too. 

It is not my computer. 
It is their website. 
I have now attempted to use XXXX XXXX, XXXX, XXXX, that's 3 different Internet browsers. 
None work. 
I've tried 3 cellphones and 1 tablet.

None work.

I've tried 3 laptops, 2 desktops, and even desktops and internet suppliers from outside my house. 
None work. 

So I can't pay my mortgage. 
I can't view ANY of my mortgage history, nothing. 
I certainly can't view the 1098. 

I've called numerous times, of course the XXXX is working from home, they don't know anything about programming a website, so they say it will be fixed soon. 
I first noticed this in XX/XX/2022. 

In addition, their own app on XXXX XXXX gets rated a XXXX, it doesn't work either! 
When you login, the circle just spins endlessly. 
Those complaints go back 2 years. Not fixed. 

Right now, I'm trying to pay my mortgage for XXXX. 
It's not possible. 
Their site doesn't work and it hasn't worked. 
I do not currently have access to a phone. 

Also, loan STILL says XXXX XXXX - whose name was removed by a Court Order MONTHS ago. 
I've complained about that too. 

Still NOT FIXED. 

So their Customers can not view payments, history of payments, any 1098, any bills, any paid bills, there is no way to communicate with them except by phone, they used to have an Instant Chat but that is gone.

Their website throws up a Error 400, HTTP Error after you log in. 
It is 100 % their fault, nothing the Customer can fx. 
And I've complained on here, via their XXXX email, and by phone - It is still NOT FIXED. 

I currently have no way to provide payment for my mortgage.
Product: Credit reporting

EXPERIAN continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 7X and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act.
Product: Debt collection

VANCE & HUFFMAN LLC placed a negative item on my credit reports. I have never had any dealings with this company, never had an account with this company and do not owe them any money. They allege that i opened the account with them on XX/XX/2024 and that the terms were 1 month but like stated have never had any dealings with this company.