23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

On or around XX/XX/2018, I contacted the Chase Bank customer service number regarding fees on my checking account. My concern was escalated to a supervisor that ultimately resolved my concern by agreeing to refund me {$280.00}. After only seeing {$48.00} refunded, I contacted customer service again. I spoke to several individuals with no resolution. They said a supervisor would contact me, but no one did. I tried several other ways to contact them via email and responding to their call survey but still never received a response. I stopped by my local branch and spoke to someone that then spoke to the branch manager, and finally said they had to pass the issue to the Branch Complaints Escalation Group. XXXX with that group said she would offer me an additional {$48.00} refund. Her supervisor, XXXX, also said the final amount being offered would be {$48.00}. He refused to let me speak to anyone else regarding my concern. I find it unacceptable that I was told I would receive {$280.00} but am now only being offered {$96.00}. Everyone I spoke to has confirmed I indeed was told I would receive the full {$280.00}, but everyone now says they have no authority to refund what I was promised. A company should have the integrity to stand behind their offer to resolve a customer 's concern.
Product: Debt collection

Khols claimed I owed them {$260.00}. I paid off my credit card and tried resolving this with them.
Product: Credit card or prepaid card

I applied for an Amex Delta SkyMile card. I made purchase of the required amount within the required time. But it has been more than 100 days, I am waiting to get my bonus points. I am not able to book my tickets because of that. While contacting Amex customer service, they have the same answer all the time " We are Investigating '' None is  ready to provide me any time line or any point of contact to escalate the issue. The worst service I have ever seen in my life. 

I talked to the customer service manager. He also does not have any answer. 
The only answer I get is that " we are investigating ''. You cant even imagine how frustrating it is to wait for more than 100 days for the SkyMile points. Here is the Online conversation ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. XXXX XXXX XXXX and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX of 2024, I sent an original dispute to All 3 credit bureaus about a dispute, EXPERAIN refuse to honor my opt out notice and statement after numerous attempts to opt-out of the debt with U.S DEPT/XXXX. Here 's the dispute # for the original CFPB complaint ( XXXX ). XXXX and XXXX BOTH have already done what was necessary when it came to my consumer rights and have both opted out and removed the debt PER U.S.C 6802 and CFR 313.7. Experian has gotten the opt out notice since then and has not only taken longer but has not completed its task as a credit bureau and performed according to the rewritten notice I've given them in the dispute.

I still haven't gotten the results I was looking for and I believe it is because EXPERIAN is violating my consumer rights per the FCRA by conducting sham investigations that fail to properly address my consumer dispute by not letting me optout like the other bureaus. Experian routinely and uncritically accept the original furnishers response to the disputed information even when the responses were improbable or illogical on its face or when Experian has other information that suggested the furnisher is unreliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to verify my identity to evaluate my free annual credit report on the incorrect basis of failing security questions. However, the security questions asked by telephone reps were repeated multiple times in broken English expecting different responses to the same question. An untenable result. Two different reps speaking English a second language were unable to differentiate past from present tense making answering the questions satisfactorily impossible. I am now incorrectly locked out of my credit file both online and via telephone.
Product: Student loan

I am on the PSLF program. Each year I file my XXXX form so Fedloan Servicing is aware of the payments I made the prior year. 

Currently, I have made 33 payments towards PSLF on my loans. This has been certified through their XXXX process. 

My XX/XX/XXXX bill reflects these credited payments however on my XX/XX/XXXX, and XX/XX/XXXX bills, the credited payments dropped on one of the loans from 33 credited payments to 30 credited payments. 

I called Fedloan Servicing about the matter and received some response that they will " look '' into it and that it may be a system glitch. However, in dealing with this company, I know that I will probably never receive anything resolving the matter and if I do, the answer will be incomplete, wrong, and/or confusing.
Product: Student loan

I have been in communication with american education services to try to get my payment reduced. Account XXXX for XXXX XXXX. This loan is now in danger of defaulting. The last few conversations I have had with representatives have told me I am eligible for forebearance on my higher loan that is XXXX but when I apply I am denied. I have also been given false minimum payment information repeatedly so that my payment amounts that I have been making are not sufficient. 

I would like to be granted a forebearance and be able to get caught up on this loan so I can go into repayment as soon as possible with a reasonable payment amount. 

The last representative I spoke with yesterday, XXXX XXXX, 2015 validated the issues I am having and has offered to investigate further. His ID is XXXX and his name is XXXX. He says I was given the wrong/incorrect amounts needed to pay to qualify for other plans. Wrong amounts and dates. 

Again.. I would like to get the outstanding payment/current due of {$1100.00} to be reset or in forebearane and the interest rate lowered so that I can make a reasonable payment arrangement.
Product: Debt collection

Allied Intl. Credit XXXX keeps calling my home number. No one at this number owes a debt to Allied Intl.  Credit. I emailed Allied Intl. Credit to let them know they have a wrong number and for them to stop calling and I a reply wanting more personal info from me! I need these calls to stop. They have called me 3 times since I received their return email on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've lost track of the numerous letters I've sent to your bureau regarding my identity theft status, as my concerns remain unresolved. Once again, I'm disputing the fraudulent information adversely impacting my credit file. 

XXXX XXXX XXXX XXXX. 

Despite filing the required FTC complaint, your bureau persists in reporting this fraudulent account on my credit report. It's important to note that I've already contacted the banks linked to this account, provided necessary documents, and had the account promptly deleted from their records. 

Furthermore, other credit bureaus have already removed this account following the FTC complaint submission. Thus, I'm puzzled about the verification process your bureau employed to continue reporting this fraudulent account.
Product: Credit card or prepaid card

Citi bank ha s been discriminating against me for several years now. I recently applied for a citi business advantage platinum card with my outstanding   XXXX    credit score.  However,  Citi bank  DENIED my application based on the fact that there were credit cards from almost  TEN YEARS  ago that had disputes on them. After 10 years, citi bank is treating me horrible and will not open a new card in my name.   I would like to see there " policy '' that says this goes on for 10 years.   XXXX   XXXX   has a ba reputation already, rated  one of the worst credit cards for how they treat people, now I see why.    As you can see they are being very unwilling to work with me and those disputes from 10 years ago were fraud. so they re basically discriminating against me for me being a victim of fraud. if this continues a class action is going to be filed.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Mortgage

I lost my source of income during the fall of XXXX and fell behind on my mortgage payments that Ditech serviced. 

In XXXX XXXX, I called Ditech and was told I would not be approved for a modification since any modified PI payment would be greater than the pre mod payment. I was referred to their attorneys. Their attorneys referred me back to Ditech. 

Despite over ten requests to change my mailing address, Ditech continued to mail correspondence to an incorrect mailing address. Not once did I contact Ditech and find my " assigned '' rep. 

Between XXXX and XXXX XXXX I contacted DiTech numerous times requesting additional opportunities for modification or alternative ways to avoid foreclosure such as a repayment plan. None were provided other than a short sale and deed in lieu. 

I educated myself on Fannie Mae 's modification programs. I knew that the XXXX XXXX program had replaced all others and that XXXX XXXX, XXXX was the deadline for its implementation. I also knew that the XXXX program was sensitive to those consumers beyond 90 days default with a foreclosure sale date set. This sensitivity expressly stated that requests for modifications did not need documents or borrower financials if default was greater than 90 days. Ditech continued to insist that any modification request would need an accompanying completed package. 

Randomly one afternoon in XXXX I was verbally told my flex modification was denied. I had crunched the numbers using the Fannie Mae 's XXXX XXXX waterfall guidelines ( straight from XXXX XXXX XXXX website and on their letterhead ). Under every scenario, my modification would be approved. Ditech said " nope ''. I sent letters of error and for information to Ditech which were answered well after their mandated deadline and also sent to that incorrect address mentioned earlier. 

The letter provided a breakdown of the figures and calculations they used to deny the modification. The letter provided evidence that Ditech had not followed XXXX XXXX XXXX servicer XXXX guidelines as seen in step 2 which requires an interest rate being set at the lower of my fixed rate or XXXX XXXX XXXX. Also step 4 and 5 of the guidelines were not even discussed as Ditech simply stated I did not qualify. 

I have all the necessary inputs for the flex mod. I have worked in the real estate field all my life. I have reviewed and calculated dozens of potential scenarios. Ditech has lied to me, misrepresented their actions, scheduled a foreclosure date, refused to offer any other alternative to losing my home. Most importantly TODAY I was told once again that I would not be approved and I could send in a complete package for review but that the date of sale was firm. This one conversation summarizes my experience with Ditech. 

1 ) No package is necessary since I am more than 90 days in default under the XXXX program. 

2 ) Ditech was affirming a denial that did not include 3 of the 5 steps in XXXX XXXX XXXX servicer guidelines. 

3 ) The call ended with an overt Indication that I would be dual tracked even if I followed their fraudulent instructions.
Product: Checking or savings account

This complaint is in addition to an already filed complaint. 
Original complaint # : XXXX. 
Original complaint synopsis ; I opened an account with TD Bank online and provided all necessary information. An account was opened and I received my debit card and all account numbers. I could not set up an online account access. The company informed me I must take I.D . to a physical branch in person to finalize process. There are no physical branches within 140 miles of my home and I do not drive. The bank transferred my initial deposit from my primary bank. I can not close the account without first presenting I.D . in person. 
New complaint. 
I received my monthly statement on XX/XX/2020. I have attached a copy. My initial deposit of {$50.00} has been reduced by {$16.00} in monthly fees. I have no access to this account yet they are deducting whatever they want until there is nothing left. Now I have {$34.00}. They have not responded to the initial complaint as of this date. I am having emotional distress and am forced to file a lawsuit if no satisfactory resolution occurs.
Product: Debt collection

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Foster And Monroe LLC : After verifying if your company is licensed in the State of California as a collection agency, XXXX XXXX XXXX XXXX Foster and Monroe LLC is not licensed in California. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends.

You are hereby notified that if you do not comply with this request on the day you receive this letter, I will be immediate file complaints with the Federal Trade Commission and the New York Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued.

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this.

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action.

Thank you for your cooperation in this matter. 


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

The account balance is incorrect and the payment history is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XXXX of 2017 added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX and XXXX XXXX XXXX Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.
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 other platforms, Leaving my account vulnerable and unprotected. Futhermore, Their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Wellsfargo has denied my request to defer my loan. They will not work with me or give me a forbearance through my struggling times. Instead after my request they sent me a letter to let me know my monthly payment has increased. I will no longer pay wellsfargo until this matter is resolved and they remove the late payments from my credit file. This is my XXXX time reporting them to you. Please help me.
Product: Credit card or prepaid card

XXXX, XXXX XX/XX/XXXXdeliberately accessed my credit report WITHOUT my consent. This is illegal. 
Then she asked me to sign a document for a loan, where she misquoted the terms, after I had over four ( 4 ) hours of major dental work and was heavily sedated and fatigued.

Also, over four ( 4 ) hours earlier, before I was in extreme pain and fatigue, she verbally agreed that I could pay with my credit card, half of the fee, that day ; and the remaining balance when service was completed. 

I am XXXX years old, XXXX, XXXX XXXX took advantage of me by deliberately : - illegally accessing my credit report without my consent ; - unilaterally changing our prior payment agreement ; - informing me about her above-listed actions when I was in distress. 
- having me sign an agreement, and falsifying the terms, while I was in distress. 
- this voidable agreement was at 27 % interest rate, while my credit card was 22.25 % interest. 
She put me at a financial disadvantage of XXXX basis points. 

Comenity Bank did an investigation, and after 90-days they just gave me the agreement that I signed under duress.
Product: Money transfer, virtual currency, or money service

Transferwise closed my account on XX/XX/2023 and denied my appeal and is refusing to refund the XXXX usd in my account. 
Attached is the XXXX they stole
Product: Consumer Loan

Elan Fin Svs, Open an account in my name for {$1700.00} and said I paid them {$80.00} to open the account. I do not know anything about this account. I need some help with this problem, this is causing me trouble with my credit report. I think this was done on purpose the hurt peoples credit. How can someone open an account in your name without your permission?
Product: Money transfer, virtual currency, or money service

Hi, I am opened an online account with wise.com and after money was deposited in my wise account my account was deactivated without any plausible explanation and cogent reason. I have appealed with wise.com but they still kept my account deactivated and have not yet given any response to my emails/appeals and still did not give any cogent reason.