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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Bank account or service

I received a check from a person in CA. I deposited it into my Wells Fargo Checking account and is turns out it was a fraudulent check. I was supposed to XXXX XXXX this money to a woman I thought I could trust in CA. Wells Fargo released {$1900.00} from my checking account to XXXX XXXX. Then they determined that is was indeed a bad check. I was able to cancel all further transactions and XXXX is refunding my money. 
Wells Fargo, after many years of business with them, have decided to terminate my account due to this XXXX mistake. I have never deposited, nor tried to cash any fraudulent checks in my entire life!!! I do not believe it is fair that Wells Fargo is terminating my account. Nobody is losing any money, since XXXX is indeed returning the money. Since then, my Wells Fargo account is locked and I have no online ( or any other XXXX access to my account at all. This seems a bit extreme, especially when it was Wells Fargo who allowed the money to be transferred to XXXX XXXX before the check cleared. I had absolutely no idea this check was fraudulent!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX report inaccurate To Experian information such as address and account number according to Experian I have updated Experian with correct address and still reporting inaccurate information Experian is reporting inaccurate information and has not update report to match XXXX and XXXX according to US 1681 eb reporting inaccurate information
Product: Money transfer, virtual currency, or money service

I have been a cash app member since XXXX. I was under the impression, that I had a personal account. I never changed my account to a business account. I was being charged every time I received funds, when I shouldn't have been charged. I don't own a business, and never owned a business, and therefore I shouldn't have been charged. When I noticed the mistake, I used the customer support option on app,, and, didn't get the help I needed.. I called cash app customer service, and they said they only could refund me for 7days. I repeatedly told them, I would like all the money they took from my transactions, because that is theft.. They reimbursed {$28.00} ( which is for the last 7 days ) on XX/XX/XXXX @ approximately at XXXX. I explained to them, that is not even half of all the money they took from me,, which was clearly unauthorized. I asked to speak to someone in charged and was told, I only could do so by email.. I have been exceptional customer, and don't deserve this. Please help
Product: Mortgage

Cardinal Financial was initial company that held mortgage. 7 months after, due to XXXX veteran status and a zero property tax but has CDD fees, an escrow analysis was requested. This resulted in Cardinal refunding excess taxes paid. Cardinal did not disclose that it would leave a deficit on the escrow account. XX/XX/XXXX statement showed a deficit of - {$1900.00}. Call to inquire and was informed that there was a deficit due to refund in XX/XX/XXXX. Cardinal did not disclose in XX/XX/XXXX escrow analysis of the required amount needed to be in escrow account. Cardinal sold mortgage with error notice ( mix up in my mortgage information with another customers that took 4 weeks to resolve ) in XX/XX/XXXX to XXXXXXXX XXXX. Tax bill received from county XX/XX/XXXX and reconciliation of escrow account from Cardinal to XXXXXXXX XXXX  shows that Cardinal willfully and fraudulently reported a lesser amount than what was received to them. XXXX XXXX, XXXX XXXX began an escrow analysis and reported that Cardinal provided them with Escrow account balance forward of {$1200.00} ( consistent with XX/XX/XXXX statement from XXXXXXXX XXXX that escrow balance was only {$1700.00} despite paying {$530.00} monthly to Cardinal for 6 months with no missed payments ). Cardinal 's last statement dated XX/XX/XXXX lists the escrow balance year to date to be {$2700.00}. There is approximately a {$1500.00} missing from the transfer of escrow account reporting. Where did it go and Cardinal or XXXXXXXX XXXX has to account for and return this to customer. This is fraudulent and stolen escrow money from the customer. Current escrow balance on XX/XX/XXXX XXXXXXXX XXXX statement is {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information removed.
Product: Debt collection

I just looked at my credit report i don't know what it's regarding. I have never done business with this credit collection company. I have never signed any paper work or anything pertaining to this medical bill. The amount of the bill is {$700.00} the date is XXXX XXXX. What about Hippa Laws this is inappropriate. The name of the company is Midland Funding LLC
Product: Credit reporting or other personal consumer reports

I was never late on my XXXX XXXX XXXX XXXX XXXXXXXX # XXXX The months that's stating I'm late is XX/XX/2023, XX/XX/2023.
Product: Student loan

I had called Aidvantage to request a refund of all student loan payments I made during the XXXX period. The Aidvantage representative who helped me at that time had submitted my request for processing, on XX/XX/2022. 2 months later ( XX/XX/2022 ) I check my account and noticed that only a partial amount of the refund was reinstated to my account. I immediately called Aidvantage about that discrepancy and the representative informed me that whoever submitted my initial request had filled it out incorrectly and only submitted the partial amount, which the XXXX Treasury had approved/processed. So now, I had to request a second refund request for the remaining balance, and it'll have to go through the entire waiting process all over again. I am very upset that the first representative had submitted the first request incorrectly because now I have to wait another 2 months to get that resolved. 

I'm sending this complaint in with the goal of communicating my frustration and for Aidvantage to do their jobs correctly because now I need to wait for the second request to be processed before applying for the XXXX XXXX XXXX.
Product: Debt collection

Midland Credit Management , LLC has been harassing me with a fraudulent debt collection since XXXX of XXXX. And since that time up until now they have not complied with my request for verification bearing my signature. They have threatened me with court and I have also notices that on the letter head of every document that they have since mailed to me, the date is always inaccurate in order to make it seem as though they have responded earlier than the required time of 30 days to respond. I have already contacted the federal trade commission. 

CFPB, I implore that you help me with this fraudulent company and their erroneous claims, for they are in violation of the Fair Debt Collection Practices Act. 

On XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Product: Student loan

Originally I took out student loans through XXXX XXXX but my current loan provider/carrier is Navient. When I first got out of college, the people from XXXX XXXX would call me and demand outrageous amounts of money for a monthly payment. They essentially wanted 30 % + of my monthly income and it was n't a payment that I could make. They were completely uninterested in the amount of money I was making, only the amount that I owed. This forced me to miss payments and put my loans into forbearance multiple times, something that has dramatically increased the principal of my loans and negatively effected my credit score severely. At some point, Navient came into the picture, and they seemed more reasonable when working out a realistic payment with me. They set me up on a payment plan of approximately $ XXXX but I never realized that this was not enough to cover the interest alone and that none of it was going to my principal - the principal is actually still growing as I 'm making these payments so I owe more money now than I did when I first signed up for this repayment plan, even though I have n't missed any payments. The plan I am on now takes 15 % of my gross income and I am to pay for 25 years. I was originally told that I would be on this plan for 10 years before I was eligible for loan forgiveness but I have recently learned that this option is only available to employees of non-profits and public service companies, which I am not. Today I learned that, all along, there was another payment plan I could have been on where they only took 10 % of my gross income for 20 years before I was eligible for loan forgiveness and that they " apologize for no one bringing this to my attention previously ''. Simply put, this new plan would theoretically have Navient taking less money from me per month for fewer months, essentially yielding them much less money in the long run, and the woman I spoke with could n't provide me with any information as to why I was n't on this plan all along. I do n't understand why they would have even offered me the higher plan without letting me know there was another option that would cost me less and I do n't trust their explanation. I am afraid that this plan will hurt me in some way and that the woman I spoke with on the phone at Navient just was n't able to explain it to me, or refused to explain it to me. The plan I am on now is increasing to $ XXXX in XXXX of XXXX and literally has me making this payment for essentially the rest of my life without ever touching, let along decreasing, the principal of the loan.
Product: Money transfer, virtual currency, or money service

I faxed the information below onXX/XX/XXXX and again on XX/XX/XXXX.  Esch time i called to follow-up it was never received. This is my third attempt. If you have to post this information please remove my personal information. Thanks.
<P/><P/><P/><P/><P/>XX/XX/XXXX From : Consumer XXXX XXXX To : Consumer Financial Protection Bureau Re : PayPal Credit Promotional offer Dear CFPB.
<P/>
I received the enclosed email from XXXX  regarding a PayPal credit promo on XX/XX/XXXX. The email instructions were, if I were to make a purchase through XXXX in the amount of {$600.00} or more using PayPal credit at checkout, I would have 24 months to pay off the purchase amount.
<P/>
The next day I made a purchase in the amount of {$630.00}. As usual I received a follow-up email from PayPal stating, due to the amount of the transaction I received a promo offering 6 months no interest to pay off purchase amount. I called PayPal and explained that the offer from the email was for 24 months and not 6. The person told me he would write up my concern and bump it up to the investigation team and I would hear back from them through an email. I never received a response so I called again and was told it takes at least 6 days for them to investigate the situation. I waited, still hadnt heard anything from PayPal so I called again on XX/XX/XXXX and spoke with XXXX who this time, asked me to forward a copy of the email to her, so I did. She then transferred me to a supervisor by the name of XXXX, who proceeded to tell me that I was supposed to select the 24 month option. I explained there was no option for me to select from. XXXX said I was supposed to go into the terms of the offer and select from there. I said to her there were no instructions indicating I had to select anything. I said I have never selected anything before the promo just automatically was applied with the option of me declining if I chose to do so.
<P/>
My complaint is that the promo offering the 24 months payments with no interest if paid in full at the end of the 24 month promotional date never instructed a selection had to be made in order to receive the 24 month promo. All the terms info explained was the interest rate of the promo would default to 19.99 % on any balance amount that was not paid in full at the end of the promo period.
<P/>
I couldnt get anywhere with XXXX so Im wondering if there is anything else I can do about this. I made the purchase believing I was going to have 24 months to pay it off and now I only have 6 months to pay off the balance.
<P/>
Today I received a email from PayPal stating that I might have received an incorrect email regarding my PayPal Credit which I have also included. It 's too late to inform me of that now, the order was already placed and I was committed to make payment which is what I did using my PayPal Account. The seller was notified of my paid purchase.
<P/>
I appreciate any help or advice you can provide that would help me with this situation.
<P/>
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX  XXXX XXXX phone
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX  opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

My Barclay credit card was used to make a fraudulent purchase at a XXXX XXXX store on XX/XX/XXXX. The charge was {$890.00} at the store in XXXX, MI. I live in Ohio, I was at work at the time and received a fraud alert. I immediately called Barclaycard and reported the fraud. I have since called them dozens of times to resolve the issue. The charge is currently still on my account accruing interest and fees. Barclaycard insisted I contact XXXX XXXX and file a police report. I have done both. XXXX XXXX was no help whatsoever.
Product: Debt collection

The Bureaus Inc {$940.00}, XXXX XXXX {$520.00}, XXXX XXXX  {$570.00}, XXXX XXXX XXXX {$510.00} all reporting monhly to credit bureaus. XX/XX/year> I have requested debt validation, just texts and calls of harassment. I have requested orginal contracts with signature. I haven't had any accounts with any of these collection companies.
Product: Debt collection

I received a medical debt in the mail that was not mine. I wrote the collection agency Ernst , Artmann & XXXX, INC to inform them the debt was n't mine and I was a victim of identity theft. They responded by writing on top of my letter with " this is not a credit account ... '' and again I disputed the debt because it was n't mine and was a result of ID Theft. They again returned my letter I written with a handwritten response on my letter and failed to adhere to the fact the debt was n't mine and a result of ID Theft. This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt. 
I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
The is a defamation of my character, malicious intent and a violation of my FDCPA, CA XXXX XXXX and California Identity Theft Act
Product: Credit reporting or other personal consumer reports

Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on XXXX and XXXX on TransUnion & XXXX XXXX report date XXXX XXXX as of XXXXXXXX XXXX XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXX & XXXX XXXX XXXX on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SYNCB/CARE CREDIT. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SYNCB/CARE CRDIT Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SYNCB/CARE CREDIT. You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated ________ ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX FKA XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out on XX/XX/2020 disputing inaccurate personal info and for some reason i've gotten no feedback