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

I'm assuming that you either didnt receive my letter on XX/XX/2020 or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.
Product: Credit card

I was heavily encouraged to use credit card to purchase and item. Was told I would be in a promotional period that would defer interest. I used the credit card to purchase item. Company put me on auto pay and failed to send me statements. I called XX/XX/year> to receive a statement, be sent a new card and learned I accrued interest. The agent told me I am still in a promotional period and should not have to pay interest. She said she would refund all interest charges and told me if I were to receive interest again to call back and have them removed. XXXX XXXX I called again because I was not receiving statements. When I called, they told me that I am receiving interest charges. I asked XXXX employee number XXXX to remove charges based on what the previous agent told me and he refused. I then learned that the agents lie and tell the customers that they are in promotional periods to get them to accrue interest for the bank to make money. I asked XXXX to remove those interest charges and I will pay the card in full and he refused. I am reporting these deceptive practices encouraged by management for the CapitalOne Bank
Product: Mortgage

I have experienced a Covid-related hardship related to a tenant at a rental property. This property has a mortgage that is serviced by SPS Servicing. In XXXX, I reached out to convey this hardship and sought a payment deferral that was made required by Fannie Mae on XX/XX/2023. These enhanced terms provide that a payment deferral plan be enacted for up to XXXX months ( deferred payments accrue in a non-interest bearing account ) and that no negative reporting would be issued for missed payments. 

The servicer told me that I needed to let the mortgage go XXXX months delinquent before any options could be explored. When I called SPS Servicing recently ( XX/XX/XXXX ) a representative told me that I was severely behind in payments and that steps for foreclosure would begin XX/XX/XXXX. I inquired again about XXXX XXXX XXXXs enhanced deferral policies and the individual was unaware of these new required terms. Also, she could not distinguish between payment deferrals and a loan modification ( she was pressuring me to get a modification which I do not want to do ). As an alternative, the representative told me to submit a letter requesting the newly required enhanced deferral terms, which I submitted but have not heard back from. She also told me to complete a form that is supposed to be under a " Mortgage Assistance '' section but the link on my profile does not yield any information. I am deeply concerned that I will lose my home due to the servicer either being unwilling to abide by XXXX XXXX XXXX XXXX required enhanced terms or they are completely unaware of them. I need their proactive communication with me as I have sought to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : Good Day, My name is XXXX XXXX - an Identity Theft victim of the 2017 XXXX Data Breach - and I am contacting you to uphold my rights as a U.S. Citizen in accordance with the Fair Credit Reporting act. 
- - The List of XXXX Accounts below have Violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 listed below : 1. ) XXXX XXXX XXXX = Account # : XXXX XXXX. ) XXXX XXXX = Account # : XXXX XXXX The Above XXXX Accounts have violated my Rights as per the following Laws :. 

~ 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. 

Thank you dearly for your diligence and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Disputed fraudulent accounts with reporting agency and they did nothing to help. Could not get directed anyone who could help.
Product: Student loan

This problem originates with a school that has since closed down and left few options for continuing education without starting over and it ends with the shady practices of the financial aid department who promised me they were finding me all federal loans and than had me sign off on a loan private loan from a institution I was provided little information on. A naive and unlearned XXXX XXXX XXXX had no knowledge that this was a private lender and thus required immediate repayment of loans and at a then exorbitant rate. <P/>Student loan from Granite State Management & Resources Received initial disbursement of {$3300.00} on XXXX/XXXX/XXXX with two subsequent disbursements of {$3300.00} and {$3300.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, respectively. Total loan of {$10000.00}. My interest rate is currently 4.29 % I have currently paid {$6900.00} of the principal yet still owe {$4800.00} due to {$1700.00} in XXXX XXXX. <P/>My current monthly payment breaks down as follows : Total : {$90.00} Interest : {$48.00} Principal : {$41.00}
Product: Prepaid card

I am a rush card customer and on XXXX XXXX, 2015 rush card stole {$3000.00} from they can not tell me what happened to my money or when I will get it back. I spoke with a representative and she stated she saw where I had {$3000.00} in my account but she said she could n't see where it went. My account now has XXXX in it. I can not survive without my money.
Product: Credit card

My child use my card at a corner store on XX/XX/XXXX at XXXX and was charged {$190.00} which was the wrong amount. Ive made several attempts to resolve the matter with the merchant, and credit card company.
Product: Checking or savings account

I was scammed in a romance scam. I made payments to friends of the romantic interest that were done using ACH at BBVA ( now PNC ). This appears to be a very common issue. BBVA says they have no reporting steps in place for scams that dont involve unauthorized transactions. They should have a procedure in place that reports to the federal government and the receiving bank that the transaction is a potential fraud and scam. By not taking these complaints and sharing the information to receiving banks and government agencies they are abetting these scammers. I was scammed of {$24000.00} in 2 months. The only money I was able to get returned was through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a prior complaint to you reference number is XXXX, on XX/XX/2022 and my compliant was not resolved, I resubmitted my dispute to the credit bureaus, and I received an update from the credit bureaus online saying that the accounts I am disputing accounts XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I requested that they forward me all the documentation in regards to this investigation, this account is inaccurate and my consumer rights are being violated because the credit agencies are refusing to answer my request to provide me via US Mail all documentation in this investigation and the methods used to verify these erroneous accounts.
Product: Debt collection

I'm a victim of Identity theft. It all started about two year ago, when a lawfirm from Virginia called me to verify an application to lease an apartment. I told them I never apply to lease an apartment. And at that moment they new someone was using my personal information to commit fraud. So I immediately contacted the law enforcement at that state to report it. I also contacted the diferent credit bureau to freeze my credit. After a while I started getting calls from debt collectors telling me that a owe $ XXXX to $ XXXX. I told them someone else is using my personal info to commit this frauds. They requested more paperwork from me and that's what I'm doing now to proof my self that I'm not the person causing these debts collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following information on my credit report and have the following information on my credit report and have the following information removed from my credit file. The items I need deleted I have them listed for below. I am a victim of identity theft and didn't make any of the following inquiries. I demand these inquiries be removed from my credit profile. Please delete these items as soon as possible. Fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the inaccurate reporting of late payments on my credit reports by the three major credit reporting agencies ( CRAs ) : XXXX, Equifax, and XXXX. Upon a thorough review of my credit reports, I have identified several discrepancies that I believe constitute a violation of my consumer rights as outlined by various consumer protection laws.

The discrepancies in reporting are as follows : XXXX : - XXXX XXXX XXXX  account reported as XXXX  days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - Account closed in XX/XX/XXXX Equifax : - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX XXXX : - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX  account reported as XXXX days late in XX/XX/XXXX - No data reported in XX/XX/XXXX These inaccuracies are not only detrimental to my creditworthiness but also directly violate the consumer protection laws that safeguard accurate credit reporting, including but not limited to : - Fair Credit Reporting Act ( FCRA ) - Fair and Accurate Credit Transactions Act ( FACTA ) - Consumer Financial Protection Act ( CFPA ) - Equal Credit Opportunity Act ( ECOA ) According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate information and investigate disputed items on consumer credit reports.

I demand that the late payments on the XXXX XXXX XXXX account be promptly reversed to reflect the accurate status of " paid as agreed '' or " current. '' Failure to rectify these inaccuracies within a reasonable timeframe will compel me to pursue LEGAL ACTIONS against the CRAs for non-compliance with federal consumer protection laws. THE CRAs & XXXX XXXX XXXX  ARE BREAKING THE FCRA LAWS AND THE CONSUMER LAWS! THERE ARE INACCURACIES WITH EACH BUREAU! VIOLATIONS! I WILL TAKE LEGAL ACTIONS FOR THE INACCURACIES. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and decisive action to ensure that my consumer rights are upheld and accurate credit reporting is maintained. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

Social Security erroneously reported me as deceased in late XX/XX/2024. I straightened it out with Social Security, but Experian picked up the information and sent me a notice that I am dead. When I called the number Experian put in the email, I called and could not get past the automated system to a real person as the system did not recognize my issue as valid. I have no way to talk to anyone at Experian to clear up the erroneous death report.
Product: Credit reporting or other personal consumer reports

I have repeatedly submitted dispute requests to Equifax, providing certified and notarized documentation verifying my identity and substantiating the inaccuracies in my credit report. These submissions have included : Government-issued identification, Proof of address, Copies of account statements, Detailed explanations of the disputed items, My FTC Identity Theft Report, and Metro 2 compliance demands requiring proper certification of account accuracy.

Despite providing all necessary and legally required documentation, Equifax has ignored my disputes, failed to conduct a reasonable investigation within the legally mandated 30-day timeframe, and refused to provide any substantive responses or certifications. This failure is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that Equifax must conduct a reasonable reinvestigation upon notification of disputed information.

Equifax has engaged in an ongoing pattern of neglect by : Failing to acknowledge or respond within the required 30-day period, forcing me to resend my disputes multiple times without resolution. 
Refusing to provide results of any alleged investigation, instead issuing generic and automated responses that do not address my concerns or provide meaningful verification. 
Neglecting to meet their legal obligation to delete unverifiable information as required under 15 U.S.C. 1681i ( a ) ( 5 ).

This endless cycle of non-responsiveness and refusal to investigate has caused me ongoing financial harm, negatively impacting my ability to obtain employment, credit, and financial opportunities. Equifaxs systemic failure to comply with the FCRA has resulted in significant damages to my financial reputation and peace of mind. 

I am requesting immediate regulatory intervention to enforce compliance and hold Equifax accountable for their ongoing violations.
Product: Debt collection

Re LDV File No. XXXX The above referenced firm Lyons , Doughty & Veldhuis falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, 2014. Payments have been made faithfully since that date on a monthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached )  indicating that a Notice for Execution Against Wages, which could have possibly resulted in the termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately feel XXXX XXXX. I was able to gather myself to call LDV and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XX/XX/2019 payments were reported late, but they were not. 
Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED AN INVESTIGATION INTO MY CREDIT REPORT DUE TO INACURRATE INFORMATION ON BOTH AND CONFLICTING REPORTS VIA USPS MAIL TO XXXX AND EXPERIAN AND HAVE NOT RECEIVED A RESPONSE VIA MAIL IT HAS BEEN OVER 30 DAYS NOW AND I JUST RECENTLY SENT OUT ANOTHER INVESTIGATION VIA MAIL BECAUSE I HEARD NO RESPONSE FROM THE FIRST ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported from XXXX account numbers # XXXX and # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2016. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Mortgage

I am submitting this complaint regarding NewRez 's handling of a loss draft check for an insurance claim that is associated with my mortgage loan. On XX/XX/year>, I overnighted a loss draft check to NewRez in the amount of {$170000.00}. Despite repeated follow-ups, the disbursement of these funds has not been issued as of XX/XX/year>. 

This delay is causing significant hardship. Our home sustained extensive damage from Hurricane Helene, rendering it uninhabitable. The timely release of these funds is critical for making necessary repairs and restoring our property to a livable condition. 

I have contacted NewRez 's Loss Draft team multiple times to request an update. However, I have not received any clear explanation or timeline for when the disbursement will be processed. This lack of communication and action has left my family in a precarious situation without a resolution in sight. 

I am seeking the CFPB 's assistance in addressing this issue and ensuring NewRez takes immediate action to release the funds necessary for repairs. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I tried to redeem my American Express Membership Rewards points today,XX/XX/2019, but the system didnt allow me to do so. I called the customer service to inquire about this issue and after 30 minutes of being put on hold and transferred to different departments, I was finally told that my account is currently under review and that I cant redeem my points until this process ( Which doesn't have a timeline ) is completed. 

When I questioned the representative about what triggered this review, she said : it is because of the XXXX Membership Rewards points Referral bonus you received on XX/XX/2019. 

It is very deceitful that American Express encourages us to refer our friends and family, they advertise this on their website and send us promotional emails to invite people to apply to American Express Cards in return of a Referral Bonus and when we do, they freeze our membership rewards accounts. From what I read online about other customers experiences, this seems to be a very common complaint about American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

As far back as XX/XX/2021, I've been writing to XXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!