23daVinci/CFPB_Complaints huggingface dataset:
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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called my Fico whom i have credit monitoring with. My mortgage fico score decreased sharply on both XXXX and transunion. XXXX points. I spoke with a manager and a representative and no one is able to figure out why. The explanation is that this is the algorithm. I am a mortgage underwriter so i understand credit reports well. I have paid down my credit cards, have no large amount of inquiries nor have any late payments in the past 4 years. For some reason no one can explain this decrease.
Product: Student loan

After returning from military service in XX/XX/XXXX, I called to review my loans. I had to check on incorrect information, specifically the amount owed. 
In XX/XX/XXXX I submitted to have my loans reviewed and recalculated for PSLF. I also submitted to rectify my IDR on XX/XX/XXXX. I then received an email that my loans were transferring to MOHELA from XXXX, also in XX/XX/XXXX. They were with MOHELA for a few months and then transferred back to XXXX XX/XX/XXXX. After the transfer in XX/XX/XXXX I made my first call to XXXX. I was calling to check on my XXXX qualifying payments as well as over XXXX $ added to my account. Increasing my XXXX in original debt to XXXX XXXX I was transferred to multiple people during my call, including the consolidation advisor, who explicitly stated she was unsure where the increased debt came from. She also stated that she couldn't account for any time my loan was with MOHELA nor could she see what happened to it during this time, insinuating that if monies were added due to errors in MOHELA system it could not be fixed by fedloan. She was also unsure why my military service, that m was approved on my PSLF, was not used when reviewing qualifying months. There was a case open to correct the balance and to have the months from military service fixed and counted towards my PSLF recalculation submitted in XX/XX/XXXX. I never received resolution with my case # XXXX. 

XX/XX/XXXX I called us department of education to review my previously submitted case, as well as express my concerns because I was notified my loans were once again being transferred to MOHELA. The loan advisor said that nothing was documented despite reflecting the case number. She said no ticket was submitted and nothing was actioned. She created a new case # XXXX and supposedly corrected these errors and resubmitted what was supposedly submitted prior. The loan advisor rep said she was concerned with the information on my account and apologized, providing the phone number for ombudsman. Again nothing was actioned despite screen shots and information of my loan amounts reflect on my credit reports and the services website before and after transfers. 

In XX/XX/XXXX I submitted a case to ombudsman. # XXXX. Explaining inappropriate advisement from loan advisors, placing my account in forbearance and not providing options to continue paying while I school or away with military. For my loan amount inaccuracies, loan advisors admission of incorrectness with loan amount and Ill advisement with loan status, as well as my complaint cases being completely ignored or not even entered. XX/XX/XXXX I finally received an email that didnt address anything I had been calling about and submitting for review since XXXX. 

I called MOHELA and spoke with XXXX, employee # XXXX, on XX/XX/XXXX after receiving the email. She submitted a ticket to have all my loans and PSLF qualifying months reviewed. The ticket was # XXXX. Nothing was ever done about that ticket. I paid on my loans when the payments restarted and still have zero information or resolve from all the stuff I filed and submitted.
Product: Debt collection

Im having a problem with credit acceptance. They have been calling me XXXX times and hour everyday. I have strictly told them that I am a college student and I am in class most of the day and that i cant take calls on weekends. But they continue to constantly call me. They are even calling me at XXXX in the morning on some days and I know legally that isnt allowed. I have an arrangement already worked out with them but they continue to call me anyway. Something needs to be done with this company or I will not be paying back anymore of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOYOTA MOTOR CREDIT marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.
Product: Student loan

I earned a XXXX XXXX XXXX in XX/XX/XXXX and a XXXX in XX/XX/XXXX, after which I had more than a {$100000.00} in student loan debt ( my XXXX loans had long-since been paid off ). For 10 years while XXXX at a XXXX XXXX, I made my income-based repayments, submitting the paperwork each year to keep my payments manageable. Without the income-based provisions, my payments would have been approximately {$1200.00}, almost half of my net income. My loans were first serviced by XXXX XXXX, which they transferred to Navient beginning in XX/XX/XXXX. Each year with my income-based renewal paperwork, I submitted a letter inquiring about the Public Service Loan Forgiveness program. Each time I was simply told that I could not apply until I had been making payments for 10 years. After a year of service through Navient and reaching the 10-year mark, in the spring of XX/XX/XXXX, I applied for loan forgiveness using their online form. It was only when I received a denial of forgiveness letter telling me that I was ineligible that I learned I was consolidated under the wrong program. I had never been told that I had to have my loans consolidated with the Federal Student Loan program. The consolidation under the correct program is now complete, though that has been problematic because I have had conversations with both the StudentLoans.gov office and Navient, with differing responses about what my new payments will be ( although, at least I was given a forbearance while the loans were processed ). However, the one consistency has been that my 10 years of payments have mattered not, that I will have to pay for another 10 years before I am eligible for forgiveness. Because I am not able to make a dent in the principle, my student loan balance is now over {$120000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and removed from my credit : XXXX XXXX {$730.00} XXXX-remove acct XXXX XXXX {$0.00} XXXX-update to never late XXXX XXXX {$220.00} XXXX remove acct XXXXXXXX XXXX {$5700.00} XXXX remove acct XXXX XXXX XXXX {$520.00} XXXX remove acct XXXX XXXX XXXX {$380.00} XXXX remove acct XXXX XXXX {$630.00} XXXX remove acct. 
XXXX XXXXXXXX XXXX remove inquiry
Product: Credit reporting

I settled with XXXX on several accounts last year. They are still reporting them as open collections. They agreed to accept a certain amount, I paid the amount they requested and they have not reflected that on my credit reports. They are still reporting as in collections instead of paid. They are the XXXX accounts stating in collections
Product: Credit reporting

I disputed a collection on my credit report for Convergence Outsourcing and received dispute results after completing the processing of my dispute results were removed/deleted. The date XXXX complete dispute was XXXX 2015. On XXXX XXXX, 2015 the collection agency, Convergence Outsourcing, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from Convergence Outsourcing. Please assist in the removal of Convergence Outsourcing permanently. Thanks
Product: Credit reporting

The information still been reported after disputing it is time barred and or not mine. Equifax
Product: Debt collection

Attached below is my request for any negotiable instrument that contains signatures between XXXX XXXX XXXX. Silence is acquiescence, if within 30 days of receipt of this request, the original negotiable instrument along with full material disclosure is not received, further legal action will be taken if Medical Data Systems continues to report to consumer reporting agencies a fraudulent account. 

I have the right to request full disclosure pursuant to the Freedom of Information Act & Equal Opportunity Act. Failure to do so can be seen as fraudulent concealment.

Pursuant to 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

A copy of this request has been mailed to the registered agent as well for record of any future legal proceedings that may take place, thank you.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution service was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I reached out to Southwest Credit Systems on XX/XX/2022 requesting information regarding my debt. I asked to please be provided with with paperwork in regards to this debt that I have no knowledge with. They refused to provide me with the debt.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Vehicle loan or lease

Got to car accident in XX/XX/2020 my car got total lost and they pick up the car from my home but they refused to pay more then 10 % of the loan because my insurance was just expired But the other car was in fault
Product: Credit card

Card was used without my permission was sent out i never received the card my information with different address and my bank account email and phone number was used to open up account online without my knowledge.
Product: Prepaid card

I have asked for an account statement to be sent to me multiple times now. One time I was told no Flat out. The last time I asked for it to be emailed and sent by mail and it has been five days with nothing. Also my previous complaint was not addressed at all. I asked that a new claim number be assigned to a claim that included the correct transactions. I am disputing the recent denial based on seven different facts that will be included on the affidavit I am going to send in the mail this week. Several mistakes made by the BofA prepaid card holder services are clear efta violations and the investigation was conducted using the wrong transactions as a basis for spending patterns. I need the account statement before I can proceed. The bank is preventing me from being able to protect my interest by refusing to give me information I am legally entitled to.
Product: Mortgage

I was approved for a 12 month Unemployment forbearance plan for my mortgage starting on XXXX XXXX. On XXXX XXXX, XXXX it states " Your payments may not be accepted until the signed agreement is received in our office ''. Enclosed are monthly statements from the mortgage company showing my payments have been applied and posted. I received a call XXXX XXXX from a new relationship manager, If there was an compliance issue at that time should I have not been told or aware of. After 5 months of consent cooperation, I received a notice that my account was denied due to necessary information not received that was previously requested. I than had 14 days to appeal this matter. I appealed the matter and Appeal request decision remains unchanged. In XXXX XXXX, I received XXXX XXXX back with stated reasons. I have submitted another Unemployment Forbearance since XXXX and still no decision. The Mortgage company has me just sitting around waiting feeling like a sitting duck waiting on Foreclosure of my home. I have offered to make my monthly payments and was told if its not 6 months are more it will not help me to sit tight and wait for a decision to be made. In the Appeal decision it stated that my relationship made could not contact me about this issue, I spoke to both relationship mangers in the months in question and feel like my mortgage company is in BREACH OF CONTRACT. Enclosed will be all supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit card or prepaid card

Home Depot-CITI card number* was used to make a purchase. I received a message on my phone asking if I had made the purchase ; obviously CITI realized there was an issue. I responded no and they said it would be taken care of. My bill, however, still showed the charge. They assured me that sometimes it takes awhile to be removed. Eventually, there was another charge, and the same scenario played out. This time though, the charge was against the new card number* they just sent me, that I hadn't used at all. 
*Both purchases were made on the card number in my name, however, the cards were in my possession. It appears the fraud was from within CITI itself. 
I contacted the 3 credit reporting agencies to freeze my credit and was contacted by a rep from XXXX ; she made a 3-way call to XXXX-CITI who agreed to investigate. They sent me a letter confirming this XX/XX/22. On XX/XX/22 I received a letter stating they confirmed the charges were fraudulent and would be removed from my account, including any interest, etc. In XXXX, CITI sent my account to collections and negatively affected my credit, first, by XXXX pts, then XXXX pts in XXXX. CITI refuses to speak to me and has blocked my acct.
Product: Debt collection

A week ago I wrote this company and explained that I do not know who they are or what they are trying to scam, but to stop sending me mortgage collection notices. Now they are sending me insurance documents for a property in Florida. I live in Ohio. I indicated that if this continued that I would notify the proper authorities, but yet they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX   Account # XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX  Account : # XXXX Amount : {$2200.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, I called US Bank to ensure that they did not take an automatic payment for {$320.00} because my lease had been terminated on XX/XX/XXXX and paid off. The representative told me that because I did not call XXXX business days in advance of when the payment would be taken out ( i.e., XX/XX/XXXX ) that there was a chance the automatic withdrawal would go through. She stated that she placed a " stop payment '' on my account. The payment for {$320.00} was subsequently withdrawn from my account on XX/XX/XXXX. 

I called to follow up with US Bank on or around XX/XX/XXXX to inform that they had taken the money from my account by mistake. They stated that they issued a check to my previous address on XX/XX/XXXX for the full amount ( i.e., {$320.00} ) and that it would take 7 to 10 business days to arrive to my home. I requested that they place a " stop payment '' on the check and reissue a new one to my correct address. They said that it would take 2 to 3 business days to reissue and send. It is now XX/XX/XXXX and I have not received a check. 

Today, US Bank again took a payment for a lease I no longer have for {$320.00} despite my calling them twice to confirm that the stop payment was effective. This caused the account to overdraft by {$20.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to allow me to place a freeze. It is insisting on a written request. The information it is wanting me to submit in writing is no different than what was already provided on the online form. It provides no explanation. My wife and I are both working on the accounts. One went through no problem ( same addresses, etc. ). The customer help phone number simple says that department is not available. How much more damage would be done while waiting for the written response? Who will compensate me for all my lost time working on this issue? When did I ever opt-in to be an Equifax customer? I am damaged by this. I expect California to file suit against Equifax to recover the damage. 

Thanks, XXXX XXXX