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

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX    et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

US Bank has not assisted me with an invalid charge on my credit card. 
I initiated an online order with XXXX XXXX on XXXX. XXXX XXXX never delivered the furniture to me as promised. On XX/XX/XXXX I was told the furniture was on back order by one customer service representative but later receivednumeroustext that my order was on it's way on different dates by XXXX XXXX. 
*On XXXX XXXX I receivedan email from " XXXX XXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 30 minutes away. 2 hours later I receiveda text from XXXX XXXX that stated my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receivedan email from XXXX XXXX that stated the order I placed would be delivered. 
*On XXXX XXXX I receivedan email from " XXXX XXXX Delivery '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 20 minutes away. No one showed up in 30 minutes. Two guys showed up hours later with damaged furniture that I refused delivery on. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XXXX XXXX.The last text that I receivedfrom XXXX XXXX was on XXXX first stating that my delivery was 15 minutes away. No one ever showed up. 
Throughout all of this I never spoke with a customer service rep again after XXXX as I was no longer interested in doing business with XXXX XXXX. I contacted US Bank in XXXX to dispute the {$960.00} total that XXXX XXXX had placed on my account. XXXX XXXX then dropped {$400.00} some odd dollars from the pending charge and charged the difference to my credit card. Later I noticed the {$400.00} dollar show back up. 
I have attempted to resolve this issue with US Bank but US Bank ( my credit card company ) says that I have received goods from XXXX XXXX via mail communication. My credit card company did not provide me with any proof of delivery. I never received anything on this order from XXXX XXXX.
Product: Mortgage

Mr. Cooper Mortgage Company failed to pay insurance premiums to XXXX homeowners insurance from my escrow account. My home has been uninsured since XX/XX/XXXX because of their refusal to pay the premiums which caused XXXX to cancel my policy. XXXX will not issue a quote until Mr. Cooper pays the existing balance, which they state will take up to 3 days.
Product: Credit card or prepaid card

While digging in to some budget issues, ( After a long hospital stay ), I realized I was being double charged for yearly membership fees, along with a app., I never ordered through the Amazon store card which is Synchrony Bank. I paid on time being a loyal customer for years, not realizing I was being ripped off. Amazon Prime  refunded the fees. I was able to retrieve by check. Synchrony, however, has played cat and mouse, since XX/XX/2019, throwing the blame. They have stated they do owe me for many months, but come up with an excuse every time. The statements I ordered were to be sent within 14 days, which I've never received. 

Now they claim they need another 30 days, acting like the amount refunded by Amazon Prime should be enough, and I'm just a dummy. It's not even Prime 's  responsibility. Synchrony will not take the responsibility when they are who charged me, and Prime had no idea, until I was able to link this account to them. I will never do any business with Synchrony ever again. That's my money and I could use it now that I'm XXXX. The principle of this and for the way I've been treated, infuriates me. I plan on taking action in any way, shape or form to receive what's mine, and for the simple fact of Synchrony doing the right thing. I feel very taken advantage of with this situation.
Product: Credit reporting or other personal consumer reports

Company/date XXXX1st Franklin Financing 2/2023 Company/date - 1st Franklin Financing 3/2024 Company/Date- XXXX XXXX XXXX XXXXXX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized inquiries listed above was reported to my credit from your company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate costomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent nd 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 see appropriate redress for these violations.
Product: Student loan

Consumer Complaint : Navient Loan Forbearance Issue Summary : I am writing to file a complaint against Navient for improperly placing my student loans into forbearance, despite my explicit instructions to opt out. This action has caused undue stress and financial complications. 

Details : 1. Improper Forbearance Placement : I mistakenly did not check the box on my application to opt out of forbearance. However, I subsequently emailed Navient to clearly state that I did not want forbearance applied to my account. Despite confirming that they received and read my email, Navient went ahead and processed the forbearance.

2. Failure to Verify Intent : Despite my email clarification that I did not want forbearance, and Navients confirmation that they had read this email, they processed the forbearance based solely on the unchecked box on the application. This oversight indicates a failure on Navients part to verify my clear intent, which I communicated directly to them.

3. Negative Impacts : The improper forbearance placement has caused undue stress and financial complications. This action has created significant issues for me, which could have been avoided with a proper review of my communication.
Product: Checking or savings account

Two different life insurance claim checks were stolen while in transit to my address in the mail. Both checks were fraudulently cashed by forging my signature on each check. Atlantic Union Bank allowed someone to cash the checks without verifying ID properly on XX/XX/22. I have submitted affidavits, police reports, and USPS reports for both checks. Now, Atlantic Union Bank is dragging the process out and I have not been made whole. It has been beyond 90 days and this incident has caused more suffering in addition to the XXXX XXXX XXXX XXXX. Please make this right!
Product: Debt collection

I have contacted Midland Credit Management multiple times about fraudulent debts they are saying I owe to them. They send me a jumble of credit card statements that have no proof of my ownership of the debt beyond my name and address. When I ask them for signed documents to prove the validity of the debt I never hear from them again until they file a small claims suits against me in XXXX XXXX XXXX court. I am attaching my last correspondence with them from XXXX of XXXX that they never replied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank is showing a pending sale on my account which is showing an incorrect available balance. The sale was cancelled on XX/XX/2021, and the available balance should be {$2000.00}. The Ashley store Manager is responsible to notify the Synchrony Bank of the change, another example of poor customer service from Ashley. 

This is negatively impacting my credit. 

Regards. 

XXXX.
Product: Debt collection

I have a closed off account with a credit union in the XXXX XXXX, CA area. The credit union already reported my account as closed. The collection company that is attempting to collect the debt, is reporting the same debt/amount to the credit agencies. So it appears I have two delinquent auto loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

This debt does not belong to me.. at the time this account was open I was XXXX  for XXXX  years. Under US 15 1681 I gave no consent to furnish or obtain my personal information. I have documents stating I was up for XXXX XXXX XXXX XXXX at the time ) this account was fraudulently opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report recently and I was extremely puzzled which caused XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and EQUIFAX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer. -15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercises their grave responsibility with fairness, impartiality and respect for my right to privacy -15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. Here are the errors as follows : 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 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 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 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
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX has reported negative inaccurate information to multiple parties. I have notified them numerous times of their fraudulent abusive practices. I received a document from the IRS stating based off the information XXXX XXXX XXXX XXXX provided, I understated my income. Now I owe a debt to the IRS with interest consistently accruing. I have been disputing the validity of this alleged account or years and they have never provided me proper documentation. I've asked them for the original agreement with my signature, audit trail including XXXX, promissory note, XXXX and copy of the XXXX.
Product: Student loan

I do not currently have the ability to repay my loans. I have asked to have my payments lowered to a range that i can afford. I have had my loans in and out of forbearance since 2015. I can't repay the amount they want and Navient refuses to help me. Hoping i can get some help through here.
Product: Debt collection

Iam in the process of getting a mortgage, and the lender pull my credit and told me that an apartment complex I use to stay at back in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX had a derogatory account for listed on my credit and was the original creditor for the account. I know I had to use my PCS ( Permanent Change of Station ) orders to break my lease with them when I PCS 'd out of XXXX, XXXX to XXXX, XXXX. in XX/XX/XXXX which is protected by law. When XXXX XXXX military has orders to leave they have to leave, it is not an option. I called XXXX XXXX XXXX XXXX XXXX on the XX/XX/XXXX after I got off work and explained the issue to the assistant manager and she said they were under new management, and could not say who was the management back in XX/XX/XXXX, and could not provide me with any point of contact to resolve the issue. I spoke with a US XXXX attorney and he spoke with the assistant manager and again she could not provide a company name or point of contact to resolve the issue, and the manager also said she didnt see anything suggesting debt discrepancy on file for me with the courts. The mortgage company says I have to get this cleared off my credit before I close on my new home on XX/XX/XXXX, and im sure this has been affecting my credit for sometime since XX/XX/XXXX. The US XXXX attorney said the consumer financial protection bureau can have this removed from my credit because no company wants to own up to it to resolve the issue and its a wrongful debt because you can break a lease with PCS orders.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I have notified XXXX of this matter by phone and was hung up on by an agent of XXXX. There are inaccurate phone numbers and employers being reported to XXXX XXXX XXXX XXXX consumer report. The employers XXXX and XXXX XXXX is inaccurate information being reported to XXXX XXXX XXXX XXXX consumer report. I did not receive income from these companies and I was not employed by neither XXXX or XXXX XXXX. The phone numbers XXXX and XXXX are not my current or past phone numbers. This information being reported to my consumer report is inaccurate. These addresses and phone numbers I have included in this complaint is not mines. I did not authorize these employers or phone numbers to be added to my consumer report The FCRA states that credit reporting agencies need my authorization to add anything to XXXX XXXX XXXX XXXX consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have stated earlier in this notice that these employers and phone numbers are not mines. 
12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent or authority could be considered Identity theft I am demanding that the credit reporting agencies XXXX, TRANSUNION, and XXXX remove these inaccurate employers ( XXXX and XXXX ) and phone numbers ( XXXX and XXXX )
Product: Checking or savings account

so I had a issue with Suncoast credit union making my XXXX XXXX balance negative when it was supposed to be my Suncoast credit union debit card that was supposed to have the negative balance of XXXX owed. I had resolved things with Suncoast to resend the repayment option to XXXX  on their behalf of their mess up. I am now fighting with XXXX XXXX because due to Suncoast messing up a filed dispute wrong transaction I ended up repaying the negative repayment balance off to XXXX XXXX until they properly sent XXXX XXXX the XXXX credit back. I have since been arguing with XXXX XXXX regarding what they could do because I assumed it was XXXX XXXX mess up with me paying them back. I ended up paying off XXXX XXXX {$700.00} dollars along with another {$290.00} to bring my account current ( off incoming deposits from my clients ) due to thats how I get paid. As I only have one XXXX XXXX there was no other way to stop the deposits. So it was already repaying all of XXXX XXXX back. After XXXX XXXX received the check from Suncoast it repaid the last ( XXXX ) owed so I was left with a balance of {$700.00} dollars. So not only was I jipped from Suncoast from my projected full XXXX credit but also a credit of what I paid of " repayment '' to XXXX XXXX. I lost a total of {$290.00}, PLUS a total of {$700.00} dollars that equal to XXXX all due to Suncoast disputing something that shouldn't have been filed in the first place that has now costed me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX  Balance : {$360.00} ; XXXX XXXX XXXX  Balance : {$180.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  Balance : {$1400.00}.
Product: Credit reporting or other personal consumer reports

I have this account reporting on my credit report Discover Bank opened on XX/XX/year> amount XXXX.
Product: Money transfer, virtual currency, or money service

my insurance company issued a claims check for damages from a hurricane Disaster. Wells fargo is my mortgage company. The check was to be signed by Wells Fargo and sent back to me so that I can start the repairs on my home. Wells fargo refuse to sign the check and insist that I allow them to assign me to a case worker to monitor how I spend the insurance money. The insurance company came out and investigate the property before paying on the claim. I don't need Wells Fargo to baby sit me. I have a major pluming Problem that needs immediate attention as well as some other things that need to be repaired. Wells fargo is refusing to sign my check they are insisting that I give it to them to put in an escro account and they disburst it as they see fit. I pay for my insurance and I need help now not when they feel like I should have it. I feel as though they are messing with me because I just recently filed a compliant against them for saying I owe them money that I know I don't owe them. Please Assist me with this matter. XXXX is backing up in my bathroom, I don't have time to play these games with Wells Fargo.. I also went into a local branch and the Banker tried everything she could to resolve this matter and she was told no one could do anything about this except for a XXXX XXXX XXXX, when she tried to contact him he refuse to talk with her. She also filed a complaint from the local branch. what I don't understand is why I need a case manager and why was this sent to the exec office. As I sat in the Bank yesterday I wittnessed several people get their Disaster funds endorsed with no problem. so my question is why do I need a sitter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

A collection agency, Wakefield & Associates, is reporting that I owe {$1000.00} to them as a result of an unpaid bill from XXXX XXXX XXXX from XXXX. After doing research and contact the dental office, I was made aware that the original debt was approximately {$450.00} that my dental insurance did not cover. I had moved from XXXX  to a XXXX  in the interim and the XXXX  office was unable to forward me the bill. It is my understanding that any medical bills under {$500.00} ( original debt amount ) are required to be removed from credit reports. All three credit reporting companies are listing the {$1000.00} collection on my credit reports.