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

I am trying to access my Experian online account of a credit report freeze that I activated on XXXX XX/XX/2018. Something has occurred that will not permit me to log onto my account. It says I have an incorrect password. When I try the reset password option online, it asks me for my phone number. When I enter my phone number, it says that it is incorrect. Then, I am given the instructions to call Experian. But when I call, there is only an AI response. None of the options provided are addressing my problem and there is no availability to speak with a person to explain the problem. I have tried several Experian numbers ( XXXX, XXXX, XXXX ) and all of them have the same problem of limited options and no way to speak to someone. I do not know how to resolve this problem.
Product: Prepaid card

I purchased XXXX gift cards from XXXX each worth {$300.00} ( totally {$1200.00} ) on XX/XX/year>. With those, I tried to make a bill payment of {$30.00} at XXXX XXXX XXXX on XX/XX/year>, but the payment attempts got declined. Multiple payments attempts didn't work out as well. 

Upon contacting the XXXX customer care, first I was told to give it another try which I did try during the call but was declined again. Then I was asked to try a different merchant. So, I tried to add each one of the 4 cards to my XXXX wallet, but all of them were declined. So, I couldn't use it for my XXXX transaction as well. 

After searching the internet, I came across many consumer complaints and XXXX posts on Amex Gift Cards, all pointing to the cards being unusable across several merchants both online and in-store. All complaints pointed to the card getting declined everywhere and there were also reports of users mentioning about the card blocked after several attempts and the money getting completely locked. There were also some people who mentioned that the replacement cards given also had the same issue. 

Since, I do not want to go through the hassle of trying different merchants and end up locking my {$1200.00} in unusable gift cards, I want the entire amount refunded back to me.
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Please ensure the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their source. As per USC 1681g, I request their removal within 15 days. Relevant documents have been included for your review.
Product: Checking or savings account

Ive called Wellsfargo to ask why was my XXXX draft so expensive when i had not overdrawn
Product: Credit reporting or other personal consumer reports

My now-deceased child was the borrower on Loan numbers XXXX and XXXX ( the " Loan '' ). I was the co-signer. 

XXXX was a passenger in a car when she was XXXX on XX/XX/2023. 
The loan was in forbearance at the time of XXXX 's death, the combined balance was {$20000.00} and no payment was due. For this reason, I had no obligation to pay either. 

When I contacted College Ave on XX/XX/2023 to inform them of her death, they offered to discharge the loan, without any payment, provided that I submitted a death certificate. I did so on XX/XX/2023. 

College Avenue reported to credit agencies that I did not pay the loan. They reported Legally paid in full for less than the full balance, '' to credit agencies, resulting in an approximately XXXX point drop in my credit score, even though I had no obligation to pay, and they offered to discharge XXXX 's debt. This is akin to a bankruptcy reporting, and appears to remain on credit reports for 6 years or more. Other creditors reported " Paid, Closed / Never Late '' or Paid Satisfactorily, and those reportings had no negative effect on my credit score. 

On XX/XX/2023, I spoke with the supervisor of College Ave 's credit reporting team. He acknowledged that College Ave had made an error, apologized profusely and promised that there would be a manual fix submitted to my credit so that it would show " paid satisfactorily '' and have no negative effect on my credit score. He said that it would update on the credit reporting agencies in a couple of days. 

College Ave has not corrected its errors and the result has been that my credit score has remained at the lowered level, creditors have reacted negatively by reducing or eliminating credit available and other negative credit results have occurred. 

I have disputed this reporting through the credit agency systems, and College Ave has verified the erroneous reporting. College Ave told the credit agencies that the reporting was accurate. As such, the credit agencies refused to update the credit reports and the damage was compounded.
Product: Debt collection

Hello I am making a complaint about the Receivable Management Corporation located in XXXX, SC. My case worker 's name is XXXX XXXX XXXX ( XXXX name maybe spelled incorrect ). My XXXX XXXX XXXX daughter went to the hospital a few years ago and I never received the bill or a phone call about a bill after it was processed by my insurance company ( BCBS ). I later found out that the bills where going to my ex-wife 's address which I have never lived. After processing the remaining balance was {$1100.00}. My contact number has been the same since I joined in the armed services back in 2005 and I have never received one call from " XXXX XXXX XXXX. '' The only way I figured out this existed and was already in collections was by checking my credit report after being advised by an apartment leasing agent. The debt is now paid and could have been paid very long time ago if I had only been notified of it 's existence. I asked XXXX XXXX since I was never notified if she would remove this from my report ( given that I was never notified of the situation in the first place ) and she said no because it could n't be. Later, I found out that was a lie. My phone also records all conversations. 
In conclusion, it is not fair that I have to live with this being on my credit history since I knew nothing about it. They already have the money. I only want this harmful statment removed.
Product: Debt collection

I have put in XXXX disbute requests with Midland Credit Management a number of times and have not heard anything from them. The credit card they are trying to collect debt from, is from imagine mastercard in which I never applied for. My mother, whom I was living with at the time, put a number of credit card account and other accounts in my name using her contact information. I have been fighting this battle for a while now, I have had luck from XXXX other companies and they have removed the debt. This company has made no attempt to provide me any information. The original Credit Card company, XXXX XXXX, has also been considered, a closed down company due to fraud themselves.
Product: Mortgage

XX/XX/2023 US Bank XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX XXXX and XXXX XXXX Consumer Complaint and allegation of fraud by US Bank. 

XXXX XXXX XXXX XXXX XXXX CO XXXX Acct # XXXX US Bank Home Mortgage, We are appealing your decisions as to options for settlement of our forbearance agreement that we entered when XXXX came in. 

When customers entered into this agreement, us included, we were promised a variety of options to resume payments and keep our property as XXXX. For two full years I have been submitting applications and calling to discuss how we get a completed package to you for consideration. I could not get a phone call or email back just form letters stating our package was incomplete. If you review call records, you find they will validate my statements here.

We categorically reject that the only options you will provide now is to sell our home and will take all actions necessary to stay here should we choose to. US Bank is NOT acting in good faith, and I have repeatedly asked for a client advocate to call me to discuss this. We have assets to resume payments, we just dont have the income. 

I am a XXXX XXXX who has a XXXX XXXX XXXX XXXX  with US Bank that is working its way through the courts now. That case number is XXXX. 

Unquestionably, the Bank is trying to use our forbearance as leverage in that case. US Banks actions are reprehensible, and I am formally requesting an immediate delay in any foreclosure activities on my home referenced above until the Federal Case is ruled on. I can make a payment in good faith in exchange for a 60-day delay. 


XXXX XXXX XXXX XXXX
Product: Debt collection

i am severely XXXX XXXX ( XXXX XXXX   loss ) i took this loan in XX/XX/2018. when i took this loan i asked very respectfully for them to please do not call my cellphone as i cant hear on it and it will just annoy and upset me. i signed up for text and also provided them with my email address but these people have no consideration for a person with a XXXX XXXX, they have called me approximately XXXX since XX/XX/2018. they have called my contacts and been told by my family and friends that i cant hear on the phone but they still continue to call me anyways, several times they called 3x 1 call after another in 3 minutes time from blocked phone number, they left a voice mail like all the others telling me to call them knowing i am XXXX and cant hear on the phone. i am totally annoyed and feel discriminated as well, this behavior is unacceptable and i believe its illegal since they already know about my XXXX but still call anyways knowing its gon na upset me. 

i have emailed the corporate management via email i found on their website XXXX and gotten no reply what so ever. i also went to the chat on the website and no reply! IGNORED they expect mandatory telephone communication from a XXXX   person.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I had wrote my complaint against the company ( XXXX XXXX XXXX ) for wrongful /illegal repossession when in fact I was not defaulted on my payment on the vehicle and as well to get the Tradeline removed from my credit since they did reply back on XX/XX/23 that they did collect the vehicle and were going to keep the vehicle and relayed that XXXX would cancel my open account and as of XX/XX/23 the tradeline would be removed from my credit report expeditiously, .. well here I am once again making a second complaint because of the false information XXXX has one again lied and relayed to me, by which my next stance is to go forward with my full legal civil suit because I havent given them time to correct their horrible unprofessional mistakes and vindictive practices. Im making a record of this second complaint due to have on record I have obliged myself to try to get a right solution from this company but if the tradeline isnt going to be removed as it was stated to me in the reply from XXXX then Im left with no choice to pursue full legal action against them!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX XXXX : Dispute Regarding XXXXXXXX XXXX  Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of an account with XXXXXXXX XXXX XXXX Account # XXXX XXXX on my credit report. I believe the information being reported is inaccurate and requires immediate correction and/or removal. 

Details of the Dispute : Charge-Off and Balance Reporting : The account is reported as " charged off '' with a balance of {$830.00}. However, it is my understanding that once an account is charged off, the balance should no longer be reported as due. The fact that the charge-off is recorded and the balance remains listed appears to be contradictory and misleading. 

Failure to Provide IRS Form 1099-C : To my knowledge, I have not received an IRS Form 1099-C from XXXXXXXX XXXX  to indicate that the debt was canceled or written off. If the debt has been charged off and canceled, the appropriate documentation should have been issued. 

Account Age and Statute of Limitations : This account was opened on XX/XX/XXXX and is now over seven ( 7 ) years old. According to the Fair Credit Reporting Act ( FCRA ), negative accounts such as this should no longer appear on my credit report once they are past the reporting period allowed by law. 

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

Some one use my information and applied for XXXX XXXX XXXX  with out my permission
Product: Debt collection

I did business with XXXX in XXXX -- they provided me with internet service for a period of several months until I ended my relationship with them. In XXXXXXXX XXXX XXXXXXXX I closed my account with them and returned by mail all of their equipment, using the prepaid label they provided me. They claimed for several weeks that I did not return the equipment and tried to charge me for it. 

I received confirmation from a XXXX representative ( call reference number XXXX ) on XX/XX/XXXX that all equipment was returned to them in XXXX of that year. I emailed their legal team on XX/XX/XXXX to that effect and told them to stop harassing me ; see the attached copies of correspondence. I heard nothing further from them after receiving their reply on the same date ( XX/XX/XXXX ) and assumed the debt was discharged. However, today I received a bogus and entirely fabricated request from Sequium Asset Solutions , LLC for payment of {$320.00} for equipment that I had already returned!
Product: Credit reporting or other personal consumer reports

I respectfully ask for an update to my credit report, specifically the removal of the current XXXX XXXX. Attached are the required documents to substantiate this request. I appreciate your assistance.
Product: Debt collection

In 2007 While I had XXXX XXXX my credit cards were used without my knowledge or consent I reported it to the creditor at the time I also filed a police report and provided information as to whom I believed had committed the theft. however the creditor sold the debt to a collection agency who continues to report the debt and renew the debt keeping it on file over seven years
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

My lease was over and I had a move out date of XX/XX/XXXX. I was given 2 months notice so I had plenty of time to pack and clean the apartment. I moved all of my items and cleaned the apartment before turning in the keys. I received the Final Account Statement on XX/XX/XXXX. It stated that the total I owed was {$1900.00}. The amount was broken down in the following manner : {$5.00} - Water and sewer {$500.00} - Items left behind {$1200.00} - Drywall repairs and paint treatment {$270.00} - Carpet replacement As soon as I got the statement I called the office to discuss these charges as they were not valid. I tried contacting them via phone multiple times, left multiple voicemails, and did not get a response. I continued to call them from XX/XX/XXXX - XX/XX/XXXX with no response in the matter. I emailed them XX/XX/XXXX stating that I had yet to talk to someone regarding these charges. I was told by XXXX XXXX, the assistant manager, that I could not see the pictures as they were for in-office use only. I did not leave any items and there was no damage to the wall. The apartment just needed touch up paint as we were there for years and there was minimal scuffs on the wall. The carpet had the normal wear out as well. Since they were not responsive in this matter I did send a letter disputing these claims. I was never notified, never received any information from the apartment complex. This was placed in collections back in XX/XX/XXXX. I was well in the time frame to discuss these charges and this company did not provide me with any information or evidence of the charges. I have looked at their XXXX page and this is an ongoing issue with other tenants.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602a states I have the rights of privacy.

15 USC 1681 section 2 the off state consumer report agency can not report without my written instruction.
Product: Student loan

I am writing to formally submit a complaint regarding the extremely poor customer service and processing delays I have experienced with MOHELA, my federal student loan servicer. 

For the past XXXX weeks, I have attempted multiple times to contact MOHELA regarding my Income-Driven Repayment ( XXXX ) application. Each time, I have either been unable to reach a representative or faced excessive wait times. Today, after yet another attempt, I was placed on hold for XXXX hours before my call was finally answered. This level of service is completely unacceptable for a federal loan servicer. 

Additionally, after finally reaching a representative, I was informed that instead of processing my XXXX application for the lowest possible monthly payment, they were placing my account in forbearance for XXXX days and instructing me to call back afterward to " do the same thing '' again. This unnecessary delay, along with the inability to receive timely support, is causing undue stress and financial uncertainty. 

MOHELAs lack of responsiveness and inefficient handling of repayment applications is deeply concerning, and I urge the CFPB to investigate their practices. I would appreciate any assistance in ensuring that my application is properly processed without further delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account XXXX : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; FXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

DELETE XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 their platform, leaving my account 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, and I seek appropriate redress for these violations.