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

In accordance with the Fair Credit Reporting Act,. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of convictions of crime that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a series of issues that I have encountered with my credit report, and I seek your assistance in resolving these matters promptly. I have been facing discrepancies that have negatively impacted my credit score, and despite my efforts, these issues remain unresolved. 

1. XXXX XXXX Accounts : ** I recently discovered that three accounts were fraudulently opened in my name with XXXX XXXX. I promptly disputed these accounts with XXXX XXXX, who assured me that they had removed and closed the fraudulent accounts. However, I have observed that Experian has not updated my credit report to reflect the removal of this debt. 

2. **Open Closed Debt : ** There is an inconsistency in the reporting of closed debt on my credit report. A debt that has been closed is still reflecting as open, leading to an inaccurate representation of my credit history. 

3. **Rent Payments Not Reflected : ** Despite consistently making on-time rent payments for the past 60 months, my Experian credit score does not accurately reflect this positive payment history through the Credit Score Boost feature . This discrepancy has caused my credit score to decrease by XXXX points, currently standing at an inaccurate XXXX. 

Given the seriousness of these issues, I would appreciate your urgent attention and assistance in rectifying these discrepancies on my credit report. Furthermore, it is concerning that there is no option to upload supporting documents through the Experian platform. I kindly request guidance on the appropriate steps to provide any necessary documentation to support the resolution of these matters. 

I understand the importance of accurate credit reporting, and I trust that Experian will take swift action to investigate and rectify the discrepancies outlined above. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am an American Express " XXXX '' XXXX member. I pay {$5000.00} a year just as a fee for this card and I have been an American Express " member '' since XX/XX/XXXX. I am writing to complain about : 1. The rapidly deteriorating service around this card 2.  The fact that I can not put two billing error questions into dispute. 

I called American Express a month ago to put into dispute 2 charges from XXXX. The first, a charge of {$71.00}, dated XX/XX/XXXX, I did not recognize. The second a partial dispute for {$81.00}, out of a total of {$750.00}, appeared on my account on XX/XX/XXXX and was for an article I did not receive. When I received my statement this month, neither of these disputes appeared or were recognized, in spite of the previous month 's conversation. When I called Amex my " pod '' had all gone home, as had " disputes '' so I was transferred to an " overflow '' person who could not help me and told me to call back at a time more convenient for American Express. What service am I paying for you might ask? Am I XXXX to pay these outrageous feed for this outrageously bad level of service?
Product: Student loan

XXXX XXXX is out Utah. The representative never told me this would be a loan and monetary financial services never provide updates on balance. The school hardly ever return calls or keep up with you all alon. I just found out I have 8 percent student loan that was never explained to me I was told I cant the cancel the contact of the the loan even tho I want to with draw from the program. This is predatory lending against students who want to better their careers see XXXX  reviews and Montray has horrible review. I just want to get away from this school, stop paying on the I never agreed to Verbally ; not get my credit ding by Montray Fiancial. Please help and save students time energy and money. XXXX XXXX   lacks integrity and will ask to a positive post online about the school it is called bait and switch only if you need a extension in the course. 
Please help please help.
Product: Mortgage

I originally filed a Complaint with the Office of the Comptroller of the Currency ( OCC ) regarding XXXX XXXX XXXX XXXX and acquisition of all trust servicing business from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX  XXXX, XXXX. XXXX  can no longer be contacted. XXXX XXXX XXXX has no contact information. As successor trustee to prior Residential Mortgage Backed Securities ( RMBS ) trusts, contact information for legal holder trustee under the Real Estate Settlement Procedures Act ( RESPA ) must be provided. XXXX Mortgage originally identified the " owner of the account '' as XXXX XXXX XXXX XXXX ( Trust ) Services at XXXX XXXX XXXX XXXX, Maryland. They can no longer be contacted and no forwarding address for successor trustee ( Computershare ) has been provided.or can be found by the CFPB. Qualified Written Request ( QWR ) under RESPA was requested for new contact information in XX/XX/XXXX- with no response from XXXX Mortgage.. The OCC referred the complaint to the CFPB - who could not locate any contact information for XXXX and forwarded the complaint back to the OCC on XX/XX/XXXX. The CFPB has not yet received the forwarded complaint back to them, and requested that I file a new complaint. Apparently, there is dispute as to regulatory compliance regarding XXXX licensing and servicer who claim to act for trustee to XXXX. Successor trustees must be disclosed, but the OCC did not have regulatory compliance in place when XXXX was licensed to acquire XXXX. Thus, bouncing back and forth between agencies has occurred. The OCC claims they have forwarded the complaint ( again ) back to the CFPB - but the CFPB claims to have no record of that. Thus, a new complaint is hereby filed.
Product: Mortgage

I attempted to refinance my mortgage with Wells Fargo. The payments are up to date, just trying to lower the rate. 

After 4-5 months and numerous emails, phone calls back and forth for information, I got XXXX in mid XXXX. I wrote an email to the person handling my refinance application and told her to give me 2 weeks. They wanted a form regarding my living trust that owns the house. On XXXX XXXX, XXXX rec an email stating my lock on the rate was extended to XXXXXX/XX/XXXX Before this I sent them the info they had requested but when I called to inquire, I was told the supervisor had closed the application in early XXXX since I had not responded. They said the supv had not seen my email about the XXXX and there was nothing I could do. I asked they return to monies paid for the appraisal and they refused. I spoke to their management office about this. I was called back and they said they could not help me, even though he had seen over 100 emails to and from the bank over 4 months. By coincidence I have spoken to several other people that have had the same long and drawn out experience with the bank. The bank requests the same documents over and over, they draw out the process after you have paid for the appraisal. No one ever gets their money back.
Product: Checking or savings account

Marcus by Goldman sachs has frozen my account several times and " unfrozen '' it now several times, yet I am unable to deposit or withdraw my money. Every time I speak to them they say I am " in the queue '' to close and wire my savings back to a bank I can trust, however nothing has changed. It has been weeks now since I have been able to access my own funds. In XXXX, I began a {$20000.00} withdrawal to my brokerage account which was reversed by Marcus. I called when it was reversed and they said it was unfrozen. I initiated the transfer again, and it was frozen and called to have it fixed. They had no record of the withdrawal. A week later, I made a deposit to find the deposit was reversed with the status " account frozen ''. I have spent hours on the phone with various agents who have been unable to assist. This " savings '' bank has saved me nothing- they have effectively stolen {$20000.00} from me. Pure incompetence. The worst part about these idiots is that they don't even have a record of the reversals unless you find the right person in their fraud department, then all of a sudden your shadow record is available. SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items were not verified or removed from credit report
Product: Student loan

Navient is my student loan provider. I also owe from a student loan from a  XXXX  college, the loan borrower is Nelnet. The Nelnet lo an is from  XXXX , this is what I owed then {$3200.00}. I was paying on it for a long time then I started going back to school in  XXXX  to get a  XXXX   XXXX  so I deferred. I still owe {$4000.0 0} on the Nelnet loan, I asked Nelent to  forgive my loan and they denied also. Since I have had  XXXX , they have emailed me about deferring every time I get behind so I defer. What was a  XXXX  loan is now close t o  XXXX . This is because of deferring payments and interest. Today I am behind three months. The beginning of the year I asked for a  XXXX  forbearance for the school year and was denied. Today I looked into def  erring and if I defer again the balance of my loan will be close t  o 70,000. How am I ever to get this paid in my lifetime when the interest is outrageous?
Product: Credit reporting, credit repair services, or other personal consumer reports

Using various Metro2 and E-Oscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number .

I understand full well that Metro2 and E-Oscar are industry protocols created by the nonprofit organization CDIA cdiaonline.org, and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number . 

You have XXXX hours to e-mail me the results of your Metro2 and E-Oscar verification processes and protocols and list of eligible deletions.

If you choose to continue on this path of negligent and willfully defamatory reporting, I will invoke every measure afforded to me by the FCRA ( 1970 ) 15 USC 1681 et seq, TILA ( 1968 ) 1601-1667f, and RICO ( 1970 ) 18 USC 1961-1968 .

Subject : *Metro2 Compliance Check and Verification or Deletion* Using various Metro2 and eOscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number.

I understand full well that Metro2 and eOscar are industry protocols created by the nonprofit organization CDIA cdiaonline.org, and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as XXXX or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and XXXX & XXXX Identifiable Information on every credit file bearing my name, and Social Security XXXX XXXX 

You have XXXX hours to e-mail me the results of your Metro2 and eOscar verification processes and protocols and list of eligible deletions. 
Accounts flagship credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are in violation and the updated information is missing information and you are to now remove all of these account off my report within XXXX hours
Product: Credit card or prepaid card

Have had financial setback so called cc and asked for hardship plan. Two companies would not help me. Talked to XXXX and enrolled so they could help. PayPal credit was sent check for {$150.00} on XXXX-XXXX-18.  Had to mail cause this cc wont sign up for electronic payments that XXXX uses. The check was cashed on XXXX-XXXX-18. As of today at XXXX they have NOT credited my account. XXXX is a DMP that helps folks get their financial problems under control. XXXX has been in contact with PayPal credit and trying to get my account corrected. Please help me if you can. I think outrage that they can do this to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXX was opened during covid fraudulent late payments poster please remove, XXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on XXXX XXXX  showing balances, showing late payments and repossession codes on a credit card, after card or account was closed
Product: Prepaid card

My husband purchased and Activated a {$100.00} vanilla visa gift card at XXXX on XX/XX/2023 as a holiday gift for myself. I have made many attempts to use it without success, it showed O balance. I called the number on the back of the card and was directed to someone in XXXX who offered to help me if I gave him my bank information. He offered to deposit the missing {$100.00} money in my bank acct. I refused and hung up. I called again and a second customer rep wanted my Credit card info to credit the money to my acct. I refused and told him he did not need my personal Credit card information to help me with the missing money on the gift card. My husband eventually replaced my gift card and has since called the number and was told the card was used to make a purchase. Out of curiosity I went on consumer complaints, and there are many many customers who purchased vanilla visa gift cards for hundreds and even thousands and found out the cards they gifted had O balance on the gift cards. The vanilla visa gift cards are fraudulent and need to be removed from stores immediately. 
.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - XXXX5 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my XXXX XXXX and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for 2 Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX  and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 4 months ago, I disputed this item through XXXX as not belonging to me. XXXX XXXXnvestigated and upon completion, the account was found to not belong to me and was deleted from my credit file. On XXXX XXXX, XXXX, this item was reinserted on my credit report. In accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. This is a violation of the FCRA.
Product: Credit card or prepaid card

Once I was released from medical leave, I obtained a new job and I have acquired 2 additional part-time jobs to get caught up on bills! I contacted XXXX customer service on XX/XX/XXXX and was told to pay {$13.00} to cover the prior months leftover balance, and I was never told that my account would was closed on XX/XX/XXXX! 

My payment history includes me as paying above and beyond the minimum due, for months I sent in $ XXXX {$250.00}! I called to catch up on my bill which is only a few weeks behind! To find out that the account was closed on XXXX! I was asked by XXXX and XXXX ( supervisor ) if I received an email and I checked while I was on the line with XXXX and I did not receive an email stating that my account was going to be subject to closing! 

This is misrepresentation of quality, fair and ethical customer service! I asked to be put on a payment plan to pay the account and I cant afford the {$200.00} payments interest rates and monthly late fees and I stated that if the account is closed because XXXX  felt my debt ratio was to high I asked why am I expected to maintain the EXACT same terms as if the account was still open? I will be assessed late fees and interest on a closed account if I pay less than the monthly amount even on a closed ACCOUNT! 

I want my account reinstated and I will pay what I owe. The company should treat me with dignity and the respect I deserve as a hard working citizen with 3 jobs ( one is that of an XXXX  ) that pays my taxes!