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

Someone impersonating TD bank guided me through a process that resulted in me having {$1000.00} deducted from my checking account. I immediately contacted TD bank while the transaction was listed as pending and they said they couldn't do anything about it until after it posted. Once it posted, they then told me that I could dispute the transaction. They then denied the dispute. 
If they were going to deny the dispute, why didn't they just tell me this in the first place instead of making me waste an extensive amount of time and energy beyond the {$1000.00} they already gave away.
Product: Credit reporting, credit repair services, or other personal consumer reports

under civil litigation for unauthorized and fraudulent accounts
Product: Student loan

In the past months, I have been reviewing all my student loans and trying to make since of some recent changes. I asked for my loan disputes to be removed, however, they were removed but I see there was a change to XXXX of the XXXX XXXX Accounts. According to my credit report in XXXX of 2016 all my XXXX XXXX XXXX showed Closed and a XXXX balance with remarks stating something to the nature of " account transferred o the government ''. As of XXXX XXXX, 2016 it shows closed with a NEW balance of {$2.00}, XXXX and no remarks. How is this amount owed? I never received a written notification of this new amount owed for this debt.
Product: Credit card or prepaid card

i placed an order with XXXX XXXX on XX/XX/19 {$110.00} using my Barclay 's credit card. I did not hear from XXXX so began emailing them on XX/XX/19 and 2 other emails ; no response. I then called phone number and got a recorded it was disconnected. I immediately called Barclay 's to report a fraud. They acknowledged my dispute with a letter on XX/XX/19. Subsequently, i did receive a package from XXXX but it did not contain the correct size i had ordered ( i ordered a womens size XXXX and got some type of extremely small size that i could not even pull up over my thigh, and i am XXXX '' weigh XXXX ), and i rec 'd this package after i filed dispute, after i emailed the company to stop my order. i suspect the company shipped whatever was on their shelf after i filed the dispute. on XX/XX/19 i recd a call from Barclays, who said they could not help me on the dispute and were processing the charge because the client shipped something. nevermind that what they shipped was not correct and their phone number is disconnected and they dont ' respond to email. all disregarded by Barclays phone rep, XXXX with Barclays said i had to take it up with XXXX XXXX. Well, how can i do that, no phone number and no email address. i think they are bankrupt or something. why would barclays not do a charge back for a clear fraud situation. they could have shipped me a toothpick and barclays says well they shipped you a package, so now you have to resolve. makes no sense. surely we have better consumer protection laws than this. why would Barclays ' support fraud by paying them. anything i can do?
Product: Mortgage

Due to a mail mix up. I was late ( first time ) on paying DC property taxes. When I attempted to pay I discovered my mortgage company had paid {$5000.00} on XX/XX/XXXX, XXXX contacted Rocket Mortgage and said my loan specifically does not have an escrow account and I plan to pay my quarterly taxes as I had in the past and they said they would continue to charge me monthly. My previous monthly mortgage was {$1400.00}. My current mortgage payment plus escrow is {$3000.00}. This does not make sense as my annual property taxes are {$8900.00} yet my monthly escrow amount is {$1500.00} which equals {$18000.00} annually. I simply want to pay my property taxes as my loan dictates directly to District of Columbia and not be overcharged in this way. Note : I have never been delinquent in paying my mortgage and have excellent credit. This is an unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve 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 U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  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 Equifax is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX XXXX DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF  EDUCATIO - XXXX US DEPT. OF EDUCATIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear Innovis This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, XXXX has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented XXXX 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX social XXXX date of birth XX/XX/1959. equifax confirmation XXXX my complaint is that equifax office of consumer affairs that handles my credit file, i told them several times that the XXXX XXXX XXXX XXXX account XXXX is not mine it a fraud account with balance of XXXX that account supposed to been remove due to fraud. and also all the hard credit inquires that were not mine do to fraud. please talk to equifax to have the XXXX account XXXX remove from my credit file alng with all hard inquires do to fraud
Product: Money transfer, virtual currency, or money service

I've had a cash app account for years with my legal name and banking information attached. 

XX/XX/XXXX I received a cash app XXXX XXXX in my full legal name, attached to an account ( also in my full legal name ) that was not mine. I reached out in app to cash app support, and reported the fraud attaching images of the card. They did not reach out to confirm identity theft until XX/XX/XXXX ; and it took them until XX/XX/XXXX to verify my identity to confirm it had been compromised. 

I requested on the XXXX for confirmation that my SSN had been compromised, and for information on which credit reporting agency actually allowed the opening of a cash app debit XXXX  with their XXXXXXXX XXXX XXXX, as my credit with

the 3 major agencies has been frozen for months. Cash app support has refused to elaborate on which agency a
pproved the card.
Product: Student loan

I have been in contact with AES several times over the years. No one will explain to me how I have paid back XXXX XXXX for a mere XXXX loan they keep saying I took my loans out for XXXX I have given proof over and over again I feel as if my loan payment has been deceptive I've taken out loans I've already paid {$82000.00} back and they say that I have 12 Years yet to pay see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX How many times do I have to contact your company about the same fraudulent inquiries? I have called, mailed, and did multiple complaints, and provide my FTC report and still the inquiries remain. This is a against the law and is causing a great deal of stress to me as a consumer. Remove these inquiries immediately. 

XXXX XXXX XXXX XXXX : XX/XX/2019
Product: Payday loan, title loan, or personal loan

This is my email I sent to Possible Finance XXXX XXXX XXXX XX/XX/2023, XXXX PDT I received an late payment showing on my credit report. This is XXXX. Everytime I go into the app to make my payments I always have a XXXX problem with your app. I notified you a couple of times about your app. I want this taking off of my credit report. If not I going to my attorney. 

I know that the lender say it will take some time to fix it. I filed a dispute with the XXXX credit bureaus several times and I get the same exact that the lender sent back stating XXXX disputes this account information Charged off account.
Product: Bank account or service

In 2013, my Scottrade XXXX and Scottrade Bank account was hacked. Somebody accessed my account and initiated over {$800000.00} of ACH transfers which were then used to trade stocks at enormous losses, essentially buying stocks in my account at a premium while another account was selling them. 

Long story short, Scottrade refused to acknowledge the fraud and blamed me responsible, as a result of Scottrade 's failures I conducted research into Scottrade 's security systems and subsequently warned them in the Summer of 2013 about the database vulnerabilities that Scottrade recently acknowledged after two years of doing nothing. 

Bottom line, Scottrade 's management has death ears when it comes to hearing customers complaints and suggestions - and as a result XXXX XXXX customers are now at risk of identity theft and fraud. 

If you are curious about the complaints against Scottrade and want proof that Scottrade was informed of their security failures please feel free to XXXX " XXXX Scottrade '' or submit Freedom Of Information Act requests to the SEC requesting all complaints against Scottrade. 

My XXXX cents, steer clear of this company and its employees.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally complain about Affirm , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Affirm , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Affirm, Inc. did not provide accurate information regarding my payment history.

2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting agencies.
Product: Student loan

XX/XX/year> Applied for XXXX XXXX XXXX XXXX ( XXXX ). 
XX/XX/year> My qualifying payment count was updated to the required # XXXX payments for PSLF discharge. 
XX/XX/year> Unsubsidized portion of Direct Consolidation Loan was XXXX by Mohela. 
XXXX XXXX was transferred from Mohela to XXXX platform. Completed on XX/XX/year> ( per letter ). 
XX/XX/year> Received letter from Federal Student Aid ( FSA ) that my Subsidized Direct Consolidation Loan is eligible for XXXX and that I would hear from my servicer within 30 days. 
I DID NOT RECEIVE ANY COMMUNICATION AFTER THIS. 
XX/XX/year> Called FSA for update. Representative told me that my loans were already approved for discharge and Mohela was told to discharge loans prior to the platform transition and that they should not have been transitioned. Per representative, the loan was transitioned back to XXXX " just like any regular loan '' so they did not even know it needed to be XXXX still. She stated that it was not even being processed and that the best way to get someone to review it was to submit a complaint to the XXXX website. 
XX/XX/year> Called Mohela and they stated that they were not the ones responsible for discharges. They stated that XXXX is responsible for discharges and advised me to call them back. 
XX/XX/year> Submitted complaint to XXXX website. I received an automated response back that did not apply to my case and my case was closed. No one ever reviewed my case. 
XX/XX/year> Called FSA again and was told that they are waiting on the processing of IDR waiver counts. Told her that my IDR waiver was already processed over a year ago and that this doesn't apply to me. She then told me my expected forgiveness date is " today '' because the website states the expected forgiveness date is XXXX. I know this is not correct because the account previously said my expected forgiveness date was XXXX. Then it changed to XXXX. Then it changed to XXXX. Then it changed to XXXX. I asked for information SPECIFIC to my case. I asked where i was in the forgiveness process specifically. She said she did not have any of this information. I asked to speak with a supervisor. She refused. 

Both XXXX and Mohela continue to give me the run-around and are pointing fingers at each other. I have been patiently waiting for 9 months for this discharge ( in addition to the 10 years of public service ) and I don't even know if my case is in review or has fallen through the cracks.
Product: Checking or savings account

I went to my branch to deposit a check on XX/XX/XXXX and I was told that the check would have a seven day hold but wasnt given a reason when I got home I called the bank to understand the reason they said it was for repeat overdraft I asked for a printout and wasnt provided. I explain that I understand it could be a hold, but can some of my funds be released because a seven day hold will cause me even more financial hardship. I have bills And its causing me to fall further behind in my bills have to pay late fees currently I have a flat tire and cant do anything.
Product: Checking or savings account

On or about XX/XX/2022 I started a XXXX XXXX policy but a few days later I called to cancel that policy. I have a checking account, with an auto policy so I added the Home Owners policy but again I cancelled it around XX/XX/XXXX. I was having problems with this account because they are in Texas and had a lot of overdraft fees in XXXX. I finally had an opportunity to review my account to see what caused everything and after further review USAA decided to still bill me for a personal property which was started the same day. I called USAA so they could pull the call on XXXX occassions but this has yet to be resolved. I had over {$200.00} in fees and they were charging me {$65.00} each month since XXXX which I requested to be cancelled. That's a total of {$320.00} if they have been billing me since XX/XX/2022. I feel as if I've been take advantage of and if I call and request my policy to be cancelled then I should expect the cancellation to take place. I should not have to prove I requested to cancel or check my policy when I believe it was cancelled verbally. This is predatory in nature and I don't appreciate it being dismissed. I removed my direct deposit from USAA and my Home Owner 's policy and looking for a new carrier for my auto insurance. I was not with USAA that long but this last issue has changed my perception about USAA and feel like another agency should step in and review this matter on my behalf. I no longer trust them to handle my accounts.
Product: Credit reporting or other personal consumer reports

My lease which has started on XX/XX/XXXX  has disappeared from my credit report in XX/XX/XXXX  and has not shown up since. Ive checked all credit bureaus : Equifax, XXXX, & XXXX and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.
Product: Debt collection

In XXXX I received a notification from the bureaus that SEQUIUM ASSET SOLUTIONS reported a {$58.00} XXXX bill to my credit bureau. prior to this I did not receive any phone calls ( even though he claimed they did call XX/XX/XXXX ), i never received a letter from this company and XX/XX/XXXX i paid XXXX directly not this so called company. now SEQUIUM ASSET SOLUTIONS is refusing to remove the collection account from my reports and only marked the debt paid. I did not pay SEQUIUM ASSET SOLUTIONS i paid XXXX and this account should be removed