23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX refunded my account but it was closed and wells fargo won't send me a check for the refunded amount {$1100.00}.
Product: Credit card or prepaid card

I signed up for the Blue XXXX Preferred Card from American Express with the bonus offer of {$300.00} cash back after $ XXXX spending. After not receiving the bonus I called AMEX. They said that it was declined due to having an XXXX XXXX card and an XXXX personal one that was open all the way back in 2011. This is unethical to have me apply for the credit card and charge me a yearly fee and not give me the bonus that got me to open the card because I have had a continue relationship with the company. This is total nonsense this company is deceitful and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( client name ) and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid account/XXXX balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

XXXX is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

Equifax is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company is reporting on my credit report stating that I owe them. I do not owe them anything nor have I ever contracted with such company. This is a violation of the FCRA. I also never gave anyone permission to purchase my debt from anyone. Please provide me with the contract that I have with your company stating that you can report on my behalf. I would also like to see how much was paid to XXXX XXXX XXXX to purchase this. Per 15 USC 1681 4A I have the right to privacy
Product: Mortgage

My loan transferred from Ocwen Servicing on XX/XX/XXXX to PHH Mortgage Servicing. At the time I agreed to a loan modification with Ocwen and made the 1st of three trial payments. The remaining two payments were collected by PHH. I tried on several occasions to pay online and was not able to do so, I was told it was due to not having all of the data file transferred. My payments were taken over the phone by an agent for XXXX and XXXX. I have not received any communication from PHH since I made the last trial payment on XX/XX/XXXX. I have called and checked online, even sent messages and have been told that the modification department is still working on my request. In the meantime I received two collection calls but both representatives I spoke to reiterated the thing as before, no further information. I called today XX/XX/XXXX to follow up on a complaint I made on XX/XX/XXXX regarding improper reporting on my credit. I spoke to rep ( XXXX  # XXXX ) who refused to provide a reference number for my call. I don't know what is going on with this mortgage, I see property preservation fees ( indication of foreclosure ) however, I have received nothing in regards to the modification of the loan.
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 the timely and effective measures to prevent and address fraud on their platform, leaving my account and personal information vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Student loan

On XXXX separate occasions I have completed the online XXXX enrollment form for my Mohela serviced federal student loans. ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ). On each occasion, I received an automated email saying my autopay request would be processed within XXXX business days. On all occasions, I heard nothing else on this request and was not enrolled in autopay. As such, the .25 % interest rate adjustment was not applied to my account, and I must continue to make online payments rather than having the payments automatically withdraw. 

I also used the online inbox feature and requested they process my request on XX/XX/year> and XX/XX/year> with no meaningful responses received.
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I opened a Wells Fargo Everyday Checking account under a {$250.00} bonus promotion. I received confirmation of the bonus in the form of an email when I applied for the account, which I could provide a copy of as proof. The terms of the bonus stated that I would receive the bonus by performing the following action : " Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. '' " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I opened the account on XX/XX/XXXX. I completed the 10th debit card transaction on XX/XX/XXXX. I have not received the bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting an official complaint about Equifax. They have been delinquent in their responsibilities to protect my financial information. I have come to learn that time after time they have ignored attacks on their systems and choose instead profit over installing electronic protection of my data. In addition, the executives of this firm have profited on this negligence by selling stock, once they learned of the massive breach and before the information went public. I have no control as to these credit reporting companies obtaining my sensitive information and the lack of security they use to protect it. Consumers need more protection. The executives of Equifax must be prosecuted. They are no better, actually they are worse, than the criminals that stole my sensitive information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I can't access my Wells Fargo checking account. I have two credit card bills due this week, and I want to pay my mortgage.
Product: Student loan

On XX/XX/XXXX I filed a complaint about my private student loans held by Navient for the XXXX XXXX XXXX XXXX XXXX. Art Institute has been proven to be a fraudulent school in numerous court cases that partnered with lenders like Navient ( Sallie Mae ) to give private loans to students so the school could get more federal grant money. My federal loans with Art Institute have been forgiven and refunded as I am a class member of the Sweet v Cardona decision where Judge XXXX order these federal loans dismissed and refunded. My XX/XX/XXXX complaint was for the same to be done for my private loans from Art Institute. 

Navient replied with a " Proactive School Misconduct '' form I received on XX/XX/XXXX. In Navients CFPB complaint response, they mentioned the 2 Art Institute loans would qualify, but my 3rd loan from another school would not. My School Misconduct Application was submitted to Navient on XX/XX/XXXX. 

On XX/XX/XXXX, I received denials for my 2 Art Institute loans and the reason given was, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is a generic response that does not say in any means why my loans that are already proven fraudulent did not meet their 'criteria '. Navient is giving blanket denials and trying to stir up 'good faith ' by having an application but approving only a few early applicants. 

I would like at the very least a specific reason why my application was denied, and the ability to resubmit, if necessary, additional evidence on top of the evidence I provided in my application.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am not informed about this, and the company did it without my permission.
Product: Debt collection

FAIR COLLECTIONS & XXXX Has been calling me non stop anytime any hour with treats. And harassing me! 
I do not own them anything never sign a contract with them. They reported me to all credit bureau without my consent on false accusations
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to Experian, XXXX, and XXXX 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

XXXX XXXX started foreclosure without notifying us the account was even past due. In XX/XX/2022 we found that there were checks that hadn't been cashed. When I called XXXX XXXX they told me that they did received some of the checks and were in their possession but were not cashed, after that I asked for an investigation and asked them if I could send them a new check for the amount required and put a stop payment on those checks because I did not know what was going to happen with those checks, they told me to wait until the investigation was finished because any check I send during that time will be put on Hold and not be cashed. After about 4 months no results of the investigation were going on ( I was calling monthly for an update ) we went to XXXX XXXX in XXXX and visited the XXXX XXXX ( it was Covid -19 season and they only allowed a limited number of people inside the bank ) there I tried to pay again but the girl in charge of mortgages told me that she could not accept the payment because of the investigation on course but she could contact someone who may help me. Finally by XX/XX/2022, we paid all the passed due and were told it would not affect our credit, and it has. It has been affecting my credit and its still showing " Foreclosure Started '', instead of showing a reinstated. We've always had the money and could even show proof that it was in the account.
Product: Checking or savings account

On XX/XX/XXXX I open my account for the first time with capital one, I made my first transactions without any inconvenience, regularly often the application I only have to verify my identity, and sometimes the app had problems validating the requested data, but despite that all I was doing well, one day he tried to log into my account and he tells me that I can't that I need to call a number ( which is capital one ) I call and again they verify my identity, we tried about 3 to 4 times I had to make different calls because they could not verify me, after my identity was finally verified, they asked me certain questions about the transactions, then that person submitted that information to another superior person from what I understood, and that person determined that the bank no longer wanted to have more relationships with me and close my account, I was alarmed without understanding absolutely anything, because my account had no time opened, I had practically no transactions, what reason they will have to close it, the bank never gave me a reason why, they only hide in that for certain reasons ( that they do not tell me ) they made that decision, already after this I received an email in which I was told me that my account was permanently closed and under investigation, that they would return my money when I finished the investigation, something that I find ridiculous because my account has practically no transactions, they do not need Investigate anything, I didn't do anything wrong, it should be noted that this was more than 3 months ago and they have not yet returned anything to me, every time I call that they have been more than 12 times they tell me that they have no way to help me that I have to wait for the " investigation '' to finish so that they can return the money, I tell them that if going to a physical headquarters of the bank they could help me expedite that supposed investigation and no, they tell me that I can do nothing but wait, and it seems to me more than a Disrespect the fact of waiting more than 3 months when they have nothing to investigate than a user with normal transactions, I need you to please help me get my money back as soon as possible, at this point I am no longer interested in the account or anything, just that they give me my money back, because they do not give me an estimated date or anything, and it is not possible that more time will continue, it is completely unnecessary. 
It should be noted that I have tried to write to them by mail and I have not obtained help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBB collections shows me having a XXXX dollar charge on my credit unpayed for. It is stopping me from buying a house. I called the CBB collections and they said they had no record of me and that they are in Montana where I have never been. 

My credit report shows a misspelling on my name. XXXX XXXX instead of XXXX But I told XXXX that and they said they still got no information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. 

On XX/XX/2023 a demand letter ( see attachments ) was sent to XXXX XXXX XXXX. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, XXXX XXXX XXXX has not responded to the XX/XX/2023 demand letter I request your organization investigate this matter. If XXXX XXXX XXXX does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, They failed to provide any information an the names and business addresses of each individual with whom they verified the above. They failed to protect my consumer rights
Product: Debt collection

I received mutilple emails like this. 

Record ID : XXXX Request created : XX/XX/year> Dear XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has reviewed a request for service at XXXX, TX using your name. We have attempted to contact you in an effort to verify this service. Please contact our department at XXXX to discuss this matter if you have not already done so. 

Please have this letter with you when you call so that we may be able to access the records associated with your name. 

To protect customer records, those calling XXXX XXXX XXXX may be required to verify their identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please visit XXXX  for more information on how to protect your identity. 

XXXX XXXX XXXX Intellectual Property. All rights reserved. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX are registered trademarks of XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I was sent a capital one card I did not apply for.
Product: Credit card or prepaid card

Revolut closed my account because of what I believe was cash looping. However, I never used a credit card to top up my account, only debit cards. According to their website : https : XXXX XXXX looping only involves topping up with credit, not debit cards. Therefore, I believe my account was wrongfully closed. I have contacted the company, but they have not responded to me yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$33000.00XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$1700.00}