23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was compromised in 2019. I noticed an issue when I started getting reports on my credit stating that I had accounts being opened that I needed to be aware of. I obtained a police report and began sending the required information to every credit bureau. XXXX deleted the account from Truist Bank and put the account back on my credit. The account is indeed fraudulent, and the company reports an address I have NEVER lived at or been associated with. I tried to get the account deleted by XXXX, and they refused to delete it because Truist Bank is reporting that the account belongs to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states 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. These accounts were obtained fraudulently under an address. that I have never been associated with is now reporting on my credit.
Product: Vehicle loan or lease

The bank repossesses my car. After which I paid the entire amount of the debt and I received a report from the bank that I should make my regular payment on XX/XX/XXXX, and at the moment I do not owe anything to the bank, since all overdue payments as well as late payment fees and a repossession fee. First {$1200.00} was paid, then {$2000.00}, then {$840.00} and about {$460.00}. Bank employees said that I paid all the payments and do not owe anything. I had to make an apointment to pick up my car. My car was damaged, it was scratched and its value dropped significantly after that. I received a statement that the bank expects my payment in XXXX in the amount of XXXX. But at the end of XXXX, the bank calls me and says that I am again 20 days late with a payment of {$760.00}, but not a single employee of this bank can tell me what this amount is, they can't even tell me what payments I made in XXXX, each employee names different amounts. They are extorting money from this bank, although on paper I don't owe anything. By the way, in XXXX I made a payment without delay, and I want to understand why they are extorting this amount from me?
Product: Student loan

I received a letter from NELNET dated XX/XX/2022 informing me the amount of my student loan payment. I don't have an account with NELNET. They have reached out to me using my personal information which leaves me to assume my identity has been stolen and used to open an account with NELNET. I have filed an identity theft report with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the better business bureau for Experian on XXXX in reference to Experian non compliance with performing reasonable investigations for XXXX Acct # XXXX. 

On XXXX Experian opened a dispute in reference to my complaint. How is it possible for Experian to complete their investigation on XXXX? When according to their website and the FCRA it takes 30-45 to conduct a reasonable investigation. They stated the account was but is reporting the same exact way. 

Please see attached.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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.
Product: Credit reporting

I 'm filing this complaint because Equifax has ignored my 2nd WRITTEN DISPUTE REQUEST to provide me with physical proof of the original creditor documents or credit application that bears my signature as proof of a promise to pay agreement that their company has on file that was used to verify the inaccurate account I disputed. Being that they have gone past the 30 - 45 days ' mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please help me resolve this important matter as soon as possible. Thank You Kindly
Product: Credit card or prepaid card

I paid a seller online with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX bag I paid {$2700.00} for. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} before they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Attached, please find a response from XXXX. I am going to have to bring a lawyer in and continue this fight to get my money, if this is not resolved. I have lost all faith in Capital One and will be canceling my cards with them. Since they clearly can not have my back in a case of fraud, instead they chose to side with the scammer. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a zero balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.
Product: Debt collection

I never had an eviction filed in my name with XXXX XXXX XXXX XXXXXXXX XXXX. I checked with the court and my name is clear. I called the apartment, they said to dispute it like they didn't care it was on my credit.
Product: Credit reporting or other personal consumer reports

According to IRS the documentation sent by square reporting an income of XXXX untaxed profits. However, when i reached out to square regarding this matter they were unable to located or find an account in my name regarding this amount. 

This happened in the year XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/year>. I've submitted several claims to the Bank of America regarding this matter. Unfortunately, they have not been able to resolve most of the claims ( with a very small exception ). In addition a {$44000.00} loan was fraudulently taken in my name using stolen identity from XXXX. In order to resolve the fraud claim with XXXX, XXXX has requested a letter from the Bank of America stating that fraudulent activity took place on my bank account. However, Bank of America refuses to generate such letter. Bank of America states that it is internal bank business. 
Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, XXXX XXXX now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with XXXX XXXX  to have the past due payments removed from our credit report, but XXXX XXXX  continues to say their reporting is valid.
Product: Student loan

Loan Refund is what is due!

Tuition Options, endorsed by the XXXX XXXX XXXX, secured my student loan. I have contacted Tuition Options on several occasions. My loan to attend the defunct school should be returned and I am asking for your assistance. 

Please see finding of fraudulence by XXXX XXXX XXXX, XXXX Ma in text below. 

XXXX XXXX Announces XXXX XXXX in Debt Relief for Thousands of Massachusetts Students Who Attended XXXX XXXX XXXX Former For-Profit School Admitted to Lying and Violating Massachusetts Law ; U.S. Department of Education Takes Unprecedented Action to Cancel Student Loans XXXX Nearly 4,500 students victimized by the now-defunct XXXX XXXX XXXX ( XXXX  ) in Massachusetts will have their federal student loans forgiven by the U.S. Department of Education, Attorney General XXXX XXXX announced today. The announcement marks the first time the Department has granted a state attorney generals application to cancel loans for a group of defrauded students. 

According to the Department, students who attended any of XXXX five career training schools in Massachusetts XXXX, XXXX, XXXX, XXXX, and XXXX will have their loans discharged based on deceptive and illegal practices uncovered by the AGs investigation into the former for-profit school. In addition to federal loan discharges, former XXXX students will also be entitled to refunds of any payments made on their federal loans. The combined borrower loan discharges for XXXX students announced today will total roughly XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I filed a Complaint with cfpb, on XX/XX/XXXX, related to EXPERIAN, complaint number XXXX. The Complaint related to EXPERIAN 'S refusal to properly investigate and/or remove derogatory information within the time frame allowed by law. My first dispute and request for investigation or removal of derogatory information was filed and received by EXPERIAN on XX/XX/XXXX. My dispute letter was supported by undisputable evidence that the derogatory information was inaccurate. As of today, EXPERIAN has not properly investigated or removed the derogatory information. The information I am speaking of relates to the following, companies and/or creditors : ( a ) US Dept of EducationXXXX # XXXX Account No. XXXX - this debt was paid in full on or about XXXX.See attached evidence. Irrespective of the evidence provided to EXPERIAN they have refused to investigate or remove the derogatory information. My credit report, with EXPERIAN, currently shows nine ( 9 ) 120 day past due payments ( XX/XX/XXXX through XX/XX/XXXX ). I asked XXXX  to explain how I could have a 120 day late payment in XXXX, when in fact the entire debt was paid in XXXX? XXXX  refused to respond or remove the derogatory reporting. 

On XX/XX/XXXX, one full day " prior '' to my complaint being filed with cfpb, complaint number XXXX, EXPERIAN sent me a response that claims their reporting is accurate. The explanation was that my student loan, loan number XXXX/Account No. XXXX was transferred to and consolidated with student loan number US Dept of Education # XXXX ... This makes absolutely no sense and is contrary to XXXX  'XXXX own Credit Report. EXPERIAN 'S own Report states that my student loan, loan number XXXXAccount No. XXXX, has a XXXX balance. Additionally, the documents I sent to EXPERIAN state that the balance was XXXX, as of XX/XX/XXXX. The student loan, loan number US Dept. of Education # XXXX ..., says that there is a {$2200.00} balance. So how does that work. Assuming for argument sake EXPERIAN was correct, which they are not, why would they report derogatory twice for the same allegedly consolidated loan? 

I first complained and disputed about this incorrect reporting on XX/XX/XXXX ; but because of EXPERIAN 'S negligence I have been damaged financially and continue to be damaged financially, regarding this matter. 

( b ) On XX/XX/XXXX, I requested that EXPERIAN correct inaccurate reporting related to XXXX XXXX XXXX XXXX ; however, as of today EXPERIAN has not investigated or corrected or removed those derogatory remarks. 

( c ) On XX/XX/XXXX, I requested that EXPERIAN correct inaccurate reporting related to XXXX/XXXX. XXXX XXXX ; however, as of today EXPERIAN has not investigated or corrected or removed those derogatory remarks. 

( d ) I have asked Experian continually to report my name correctly and they refuse! My name is XXXX XXXX XXXX XXXX. 

I am asking that cfpb intervene, because EXPERIAN refuses to comply with the law. My credit has been damaged 100 percent because of EXPERIAN 'S negligence and refusal to comply with the law as mandated by congress. 

By : XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/2017, I sent a certified letters to Sentry Recovery and Collections, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$450.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt. 

Under the FDCPA Section 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response with Experian as the complaint was filed on XX/XX/22. Experian should have already responded. See below. 
The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ].
Product: Credit reporting or other personal consumer reports

My information was leaked by XXXX XX/XX/XXXX. I received notification XX/XX/XXXX. I have filed a dispute regarding my credit reports with XXXX, XXXX  and XXXX and have not gotten a response.
Product: Money transfer, virtual currency, or money service

The Wire transfer experience has been terrible with chase bank. I have made two attempts to wire money through chase to a study abroad housing for my son in XXXX. The first XXXX was XX/XX/2020, the money was debited from my account for the transfer then was credited back after 4 weeks without notice. During that time, there were numerous attempts to locate the money with the  recipient. I finally found out that the wire transfer team tried to reach out to me for some additional information only via a chase messaging center. No attempts were made to contact me by phone or email. I called Chase and complained about the process being very unclear and as a customer how I am supposed to know about a chase website messaging center without being instructed. This whole experience was very frustrating and time consuming The second attempt to wire the money was made on XXXX XXXX. This time I was aware of their messaging methods and actually received a message on XX/XX/XXXX asking for the same additional information. I did reply the same day with the information. As of today, XX/XX/2020, the money still hasn't been wired to the other end, the recipient is unable to locate it, and I haven't received any messages from chase ever since about delays or missing information in relation to the transfer. So basically my money is somewhere missing. After numerous unsuccessful attempts to reach out to the wire transfer team via phone they put a message to contact them via chase messaging center. This has been unsuccessful as well. They promised to reply back from 24 to 72 hours but this wasn't the case. Not only I have tried to reach out via the messaging center but also through other online means such as request to recall wire, All these request seems to go to a black hole.
Product: Mortgage

XXXX XXXX blew off in Utility room flooding 3 rooms before we could get water cut off. We filed claim with XXXX XXXX immediately. NO adjuster was sent to our house because of Covid. We had to provide tons of pictures of the damage to them. Had to get 2 bids from 2 different contractors, who also took tons of pictures and sent to XXXX XXXX. XXXX XXXX helped us pick the right contractor, and sent us a check for {$91000.00} for us to both sign and overnight by XXXX to PHH Mortgage Services. Now PHH says that we have not provided an Adjuster 's Worksheet, and will NOT release OUR money back to us. There is NO Adjuster 's Worksheet because no one was sent out here because of Covid! XXXX XXXX along with myself have called numerous times. We get the run around EVERYTIME we call. XXXX XXXX has told us that they have sent every paper and Form that they should need. How do we get OUR money back from them?? Please Help!! Our home was a {$400000.00} Mortgage and we only owe them now {$63000.00}. Thank you, XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. XXXX, TX XXXX. XXXXXXXX XXXX cell ( XXXX ) XXXX, XXXX XXXX XXXX cell ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXXXXXX XXXX  i ordered a crypto currency XXXX. i sold XXXX and then my robinhood account became restricted. They tried to call me but I had school. i called their customer service waited 3+ hours in line and when it was my turn next the phone just hangs up. i cant withdraw money from robinhood to my bank account.
Product: Debt collection

Insurance company paid the debt. I have not been without medical coverage for a very long time.