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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT. # XXXX XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized items removed.

Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$25000.00} 2. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$99.00} 3. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} 4. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$230.00} 5. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} 6. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} 7. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : 1. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX 4. XXXX XXXX - Date : XX/XX/XXXX 5. XXXX XXXX  - Date : XX/XX/XXXX 6. XXXX  - Date : XX/XX/XXXX 7. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX 9. XXXX - Date : XX/XX/XXXX 10. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX 12. XXXX XXXX - Date : XX/XX/XXXX 13. XXXX DC XXXX Date : XX/XX/XXXX 14. XXXX  - Date : XX/XX/XXXX 15. XXXX  XXXX - Date : XX/XX/XXXX 16. XXXX FCU - Date : XX/XX/XXXX 17. XXXX  - Date : XX/XX/XXXX 18. XXXX FCU - Date : XX/XX/XXXX
Product: Credit card or prepaid card

There is two transactions made ilegally on my bank of america debit card with the following dates. 

XXXX usd - XXXX XXXX - direct deposit funds tranfer XXXX usd - XXXX XXXX direct deposit funds transfer Those transfers are made under the name of State of CA XXXX unemployment, those are my legal benefits from unemployment and pandemic help after being laid off because of this I called XXXX and they told me they don't have any faculty to this, they're not allowed to withdraw any money from BOA debit card. 

They of course wanted my information to validate my identity and everything being legal under my name and sure it is. 

All my information in my BOA online account was ilegally modified, email security questions phone number, not being able to access my account, receive a notification of fraudulent activity or anything related, there was absolute no communication by bank of america I have a dispute right now with BOA, one being closed immediately under false statement that i allowed those transactions, i have to reopen my dispute which is currently pending. 

CLAIM NUMBER : XXXX I've had requested a copy of my claim to my address or my email many times and they aren't capable of doing this, thats why i will not attach it I really need your help because this is an abuse i am victim of a fraud, i am aware bank of america is under investigation because of many fraudulent activity, tv and social media are the ones exposing fraud to thousands of citizens. 

All my legal info is available if BOA needs to validate my identity to recover my funds because i depend from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX*** Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXXXXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Product: Mortgage

I issued a complaint concerning Mr Cooper mishandling of my escrow funds. 

Compliant ID : XXXX Mr Cooper 's response to the above mentioned complaint : After a thorough investigation into this matter, Mr. Cooper found that we disbursed funds in the amount of {$2100.00} on XX/XX/XXXX, to pay your County Taxes for the year of XXXX in error. On XX/XX/XXXX, we contacted the XXXX XXXX XXXX XXXX and confirmed that there is a refund available due to the duplicate payment. Please allow 30-60 business days for the refund to be received and deposited into your escrow account. We sent you a letter on XX/XX/XXXX referencing the above information. 

Since this loan originated in XX/XX/XXXX, a new Escrow Analysis will not be generated until XX/XX/XXXX. This means that your current monthly payment of {$2700.00} will not be effected by the duplicate tax payment. We recognize that excellent customer service is key to our continued success, and we apologize for the specific experience you have encountered. It is not the experience we wish to create for any of our customers. We view your correspondence as an opportunity to evaluate and improve the service we provide to all customers. Thank you for bringing it to our attention and allowing us to address it. 

LOAN NUMBER : XXXXXXXX XXXX* I received today XX/XX/XXXX in the mail from Mr Cooper an Escrow Review Statement dated XX/XX/XXXX. First the funds have not been returned to my Escrow account. And, 2nd they are increasing my monthly payment by {$170.00}.
Product: Student loan

I requested a discharge of private loans from Navient, which I was granted however, I only received a small refund amount of less than 1 % of the total amount paid toward these loan since they were disbursed. Additionally, only XXXX XXXX of my original loans were eligible due to being refinanced with their sister company, XXXX, in order to escape insanely high interest rates. 

The fraudulent practices of these predatory lending schools and companies began when I signed the loan documents in XXXX, not when this discharge was approved in XXXX. I believe I am entitled to full refund of all amounts paid toward the XXXX XXXX loans ( which only make up about XXXX XXXX  of the total private loans received ). This is especially true given the fact that Navient added significant interest to these loans making them nearly twice as much as the origination amount. I am certain others in my position are receiving refunds of the amounts paid toward the loans. This is the only fair resolution to fully restore a lender who has experienced deception, fraud, and predatory business practices by the school and the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for Equifax, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX  for XXXX ; XXXX  for XXXX XXXX XXXX VA XXXX XXXX XXXX NA ; and XXXX  for XXXX XXXX. I have filed a report with the FTC, report number # XXXX.
Product: Consumer Loan

I had a car loan from capital one auto that was charged off in early XXXX. I entered in a settlement agreement in late XXXX to payoff {$2500.00} at {$150.00} a month. Capital one auto never updated my credit file with any of XXXX reporting agencies to reflect the new status. When i called capital one auto, they stated that they would not report the " true '' status until it was paid off. This is a clear violation of the consumer trust by refusing to report a positive status to the credit reporting agencies as away to maintain power over the consumer. I repeatedly asked them to update, they would not. Finally, i told them that i could no longer pay and they immediately reported my charged off account as 'delinquent '. They would not report a positive status but wasted no time in reporting a negative update which has harshly impacted my credit. This is a predatory practice and they should be sanctioned.
Product: Checking or savings account

On XX/XX/2019 I attempted to make a purchase at XXXX XXXX in XXXX XXXX, CA for {$2900.00}. My card declined the purchase and the transaction was canceled, but my bank statement showed a pending charge. I did not leave the store with the item I intended to buy, nor did any receipts print. XXXX XXXX checked their register and confirmed the purchase was canceled on their end. I called Citi Bank customer service the next day, XX/XX/XXXX, to make sure the pending charge is dropped. They ensured me it would be dropped in the next 10 days but it never did. I had to call back again 10 days later, when I say the charge was put through. I was given a case number and told it would take 90 days for the investigation. There was minimal correspondence from them and when I asked for more information about the case, I did not get any. On my last phone call with Citibank, I was informed that they put temporary funds in my account while the case was being looked at. Apparently, they still needed to hear back from the XXXX XXXX store to move forward, saying they had sent an email. When I contacted the store to move along the process, they had not received any correspondence but assured me that when they heard from Citibank they would informed them that the transaction was not completed. Since I had not heard back from either parties, I assumed the case was resolved, however, on XX/XX/XXXX, I noticed the money was taken out of my Checking. I called a representative and they told me the case was closed an denied. I asked to speak to a manager and was not given any helpful information about how to proceed. This situation has gone on for too long and they did not seem like they were taking the claim seriously. This is a lot of money that they are withholding and I feel as though I have no control in the situation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the Credit Bureaus inablitity to verify the validity of the information they present on my Cr edit Report. I have been submitting multiple dispute letters and complaints addressed to the Credit Bureaus and the last letter I sent was XX/XX/2022. It makes me wonder the Credit Bureaus are consucting a proper investigation to verify the accuracy of the disputed items. Once again, I was a victim oof idenetity theft and the items I dispute were never made by me nor anyone authorized by me. I also never received any thing in return, may it be benefits or items or money due to theft of my identity. I have read that the Credit Bureaus must remove any accounts or information that resulted due to identity theft under the Fair Credit Reporting act section 605b but I see here that the Credit Bureaus have failed to comply to. I am submnitting this complaint hoping that the Credit Bureaus would take their time to remove the isputed items completely from my Credit Report. The items that needs to be removed are as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} DEPT OF ED/XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX  XXXX Balance {$3100.00} DEPT OF ED/XXXX  XXXX Balance {$3800.00} DEPT OF ED/XXXX  XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00}
Product: Mortgage

I have NEVER missed a mortgage payment IN FULL. On XX/XX/2024, I received a written notice from both the VA and Amerihome that I was in default on my mortgage and facing foreclosure. My online account now says that on XX/XX/XXXX, XXXX previous mortgage payments were reversed as " misapplied. '' Please note, I am attaching my most recent bill which shows, as of XX/XX/2024, {$0.00} was past due. 

Billing statements which saying {$0.00} is a deceptive business practice in violation of UDAAP. 

Contacting the VA without first notifying us. Not sending any information regarding an arrearage or opportunity to cure is a violation of the FDCPA Sending an erroneous statement is a violation of RESPA. 

This is blatant harassment, is a violation of UDAAP, RESPA, and FDCPA
Product: Debt collection

They told me that I could not receive my date of service so that I could verify that the debt has not been paid. They then said they could request it, but only if I paid the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX XXXX account. For some reason, XXXX  XXXX XXXX was only sending my bill to the .XXXX  XXXX address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this XXXX student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX CAPITAL XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX
Product: Credit card

I was apart of a scam. I was accepted into a XXXX XXXX which was used by Care Credit to pay for. Care Credit is not allowed to be used for educational purposes and I had no idea. The woman who did the course was a fraud and scammer. Many females in our class have been scammed. Some people paid by check, credit card, and by Care Credit and have gotten their money back. I dont know why I can not get my money back. She stopped holding classes, never responded to texts/emails, so none of us received a certification or could complete the classes. She had a previous class where people were they were scammed. I sent documents supporting the fraudulent activity. There is a detective on this case now. This woman is in and out of court for fraud. I sent all of this information in so im confused. I did sign a contract for it being non refundable but that was if i got a certification and completed all of the classes. How am i supposed to complete the classes when she just stopped classes and had to go to court? She was ignoring everyone. I emailed her for the money back and she did not respond. Im so lost and confused because people with this company have won their disputes over the SAME thing im disputing. This is clearly a scam which I have sent in documents multiple times of this. Ive sent the SAME documents as people getting their dispute approved. i am so very upset and confused.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$74.00}
Product: Debt collection

i have contacted numerous times to dispute this charge off my credit report as my date of birth is not matching with the time the account has opened i sent letters no responses from the company XXXX  XXXX  XXXX  open date XXXX, XXXX XXXX  with a balance of {$710.00} i filled out affidavit was hung up on when mentioned attorney.
Product: Credit reporting or other personal consumer reports

I was a custoter of XXXX ( an XXXX XXXX ) for many years. I was a heavy user of a feature which, by providing XXXX with my login information for all of my external checking, savings, and investment accounts, mint.com would dispay allof these accounts and their current balances on a central " net worth '' dashboard. 

I relied on this dashboard as my " system of record '' for all the the accounts that I owned ( checking, savings, 401k/IRA... ). 

The service was recently taken over by Credit Karma, but Credit Karma does not seem to provide this same feature, and so I've lost access to this central record of all of my owned accounts. I raised my concern about this loss of my financial information with Credit Karma, but their response has been horrendous. The responses don't even correspond to the problem I've been reporting, and after several changes to resolve the issue, I told them I would report this case you the CFPB. 

See the attached email thread with their support team for details on just how unacceptable their response has been
Product: Credit reporting

Transunion has a XXXX that is listed on my credit report. I asked them to verify it within 15 days according to FCRA within 15 days and the item was not verified. This is not my account and this collection company is constantly updating this incorrect information. And it is having negative effects on my credit score. XXXX XXXX FL XXXX XXXX It was last added to my credit report on XX/XX/2017 I want this incorrect information removed immediately and I have consulted with legal counsel.
Product: Credit card

This was a marketing scam that solicited a Vacation Invitation which lead to defendant " XXXX '' fraudulently opening a credit card in my name that has cost me thousands of dollars and has damaged my credit.