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

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Experian, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XXXX XXXX XXXX  ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/ via email. 
The second letter was mailed on XX/XX/, and I received a response via email dated XXXX XXXX XXXX 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I refinanced my loan with Sofi through XXXX XXXX XXXX XXXX. Sofi cashed a check for {$27000.00} for payment of my loan in full on XX/XX/XXXX and has yet to apply the payment to my account. XXXX XXXX has an electronic copy of this check with the Sofi stamp on it, so it was most certainly cashed by Sofi on XX/XX/XXXX. Now I have two loans with payments due for the same {$27000.00} because Sofi has not updated my account to reflect the {$27000.00} payment. My account is officially past due today, although Sofi has received {$27000.00} for the balance. XXXX XXXX XXXX XXXX states they sent the following check : Check # XXXX Amount : {$27000.00} USPS Tracking Number : 940XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX in XXXX Texas Again, the check was cashed by Sofi eight days ago. XXXX XXXX XXXX XXXX sent the check and then provided this information after I filed complaint # XXXX on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. 
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Product: Payday loan, title loan, personal loan, or advance loan

This company offer loan in XXXX and I start send money by bank transfer as fees in XXXX asked money by XXXX XXXX and ipayed XXXX until this year I asked them to refund my money they refused to send my money
Product: Debt collection

I was a victom of a data breach when I was serving in the XXXX XXXX. I recieved a letter from the XXXX government stating my identity was stolen. This occured in XXXX. I have notified all XXXX credit bureaus since then numerous times with letters and police report and these items are STILL FRAUDULENTLY REPORTING on my credit report. I spoke with a supervisor at Equifax on XXXX XXXX XXXX and was told they would contact me within 4 days with dispute results, they did not. I then called and spoke with a XXXX, she would NOT let me speak with her supervisor. She would NOT remove these fraudulent items. She also WOULD NOT remove the items reporting as late pays that were NOT EVER late. I have written formal letters again more recently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX and submitted them by mail to the bureaus along with my correct indentification and supporting documentation.according to the law, they must respond within 45 days of recieving my letters from their investigation. They must provide me legal notorized documentation from the lenders proving these items are mine or else they MUST REMOVE THEM. I called to notify them twice now and was told they would not remove them. This is a direct violation of the law.
Product: Bank account or service

After closing a Bank of America CD and transferring remainder of funds to my Bank of America checking account, I used a significant amount of the balance to pay off my student loans. The bank official taking my call was aware I planned to withdraw a significant amount of money, and at no time was I advised of any fees that would be charged to me when my account went below a certain threshold. When, after seven months, I checked the balance of my account ( I also have a credit card with Bank of America with an airline, for which I pay a yearly fee but do not use on a monthly basis ), I discovered {$170.00} dollars ( $ XXXX/ month ) had been taken from my account for " maintenance fees '' because my account balance had gone below a threhold of {$10000.00}. B of A rep XXXX in Montana, followed by his supervisor XXXX in Montana, decined to refund anything but {$25.00} in fees. XXXX stated no one at the bank would refund any more than that because I had agreed to receive electronic statements and they had no obligation to inform me of excess fees other than when I first signed up for the account over ten years ago. I have no recollection of being told I had to maintain a {$10000.00} balance, nor do I recall being given any options for a no fee account. I plan to close my account immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TD Bank for breaking my consumer rights. They shared my personal financial information with other companies and credit agencies without giving me a chance to opt out, which goes against both federal ( Gramm-Leach-Bliley Act ) and New Jersey laws ( NJCFA and NJ Identity Theft Prevention Act ). When I told them I didnt agree to this, they said their Privacy Policy allowed it. I never gave TD Bank permission to share or sell my information. Ive asked them twice for full details about this account, but they only sent me a Promissory Note, which shows theyve broken the Truth in Lending Act ( TILA ).

TD Bank also ignored my request to send all mail to a specific address. They keep sending it to an inconvenient address, which invades m
y privacy. Sharing my information without my consent is identity theft under federal law. This contract is void because it tries to commit identity theft and extort payments from me. The Promissory Note violates TILA, UCC, and COM. I never agreed to this, and TD Bank has my information due to identity theft.

The contract is invalid, and I am seeking damages for violations of the NJCFA, NJ Identity Theft Prevention Act, FCRA, TILA, UCC, and COM.
Product: Mortgage

Our loan was refinanced in the summer of XX/XX/XXXX. Our first payment was due XX/XX/XXXX under the new loan. We tried multiple times to submit our payment using the online portal, but our payment was continuously denied. After troubleshooting, it was determined that the error was on XXXX 's side, as they were using the wrong bank account/routing number, despite us submitting the correct information multiple times. Needless to say, they were unwilling to move our first payment due date to XX/XX/XXXX to compensate for their mistake. Since that time, the payments were applied in a manner not consistent with our expectations, and we fell further and further behind accruing fees and other charges. In XX/XX/XXXX of this year, the lender refused our monthly payment, sending it back to our account. We submitted a package of loss mitigation documents to the lender on XX/XX/XXXX and involved a representative from HUD. The mortgage lender got back to us a month later stating they needed more updated documents, which were submitted. We received another letter saying our package was incomplete, and they wanted even more documentation. Today, XX/XX/XXXX, we received multiple notices stating our home was due for auction XX/XX/XXXX, despite having active loss mitigation activities ongoing.
Product: Student loan

The " Manage Alerts '' settings on my student loan account has been set to inform me via email 3 days before the payment is due since I got my student loan. I have searched my emails and I have never got any emails from Wells Fargo prior to a payment. Wells Fargo has sent me emails when my student loan payment was past due, yet I never opted to receive them in my " Manage Alerts '' settings nor is there such option to receive such emails. 

Wells Fargo froze my online banking access for a long period of time and did not inform me of doing so. The site just prompted me to verify a code that they sent to my old phone number that I no longer had access to. The first time I called about it, they told me that they changed the password requirements and that, when I asked what the new requirements were, my old password met all the " new '' requirements ; they did not have an answer for this. I then updated my phone number with them, verified that the number was correct on my online banking account, and tried to login but I never received the verification code text message upon requesting one several times. I called a second time, they told me that the reason I could not login was because they froze my online banking access due to inactivity ( which I may point out is a entirely different reason than changing password requirements ). 

Next, I called student loans. I told them of this situation and I asked them to remove all late fees during the period of time of freezing my account. They told me they would remove two and then proceeded only removed one late fee. 

In conclusion, Wells Fargo prevented me from accessing online banking for several months without notice, has failed to inform me of my upcoming payments despite the fact that I specifically have my settings from them to do so, has sent me emails on past due balances that I did not request nor does Wells Fargo have my consent to send, lied to me about the amount of late fees they would remove from my account, and, therefore, have charged me late fees/claimed interest for a loan in which they have failed to follow the agreement, between myself and Wells Fargo, to : provide me access to online banking, provide me with the ability to pay my loan through online payments, inform me of changes made to my online banking account and its policies electronically, and provide me with accurate/true information from their customer service representatives as well through their online banking service. 

Attachments : wfevi = screenshot from wells fargo online banking showing that I had opted to receive emails 3 days prior to when each payment is due.
Screenshot = inbox search for " wells fargo student loan '' with no emails for payment due in 3 days. Just late payment due emails. 

Evidence for other claims can be provided upon your request.
Product: Debt collection

XXXX XXXX XXXX, a debt collection agency, was sent, received, and acknowledged the cease and desist order issued by the consumer. On XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX, violated the cease and desist order and transferred/sold the consumer 's non public personal information to another third party debt collection agency, Credit Control , LLC.
Product: Checking or savings account

On XX/XX/XXXX I was charged {$160.00} with the line " XXXX XXXX XXXX XX/XX/XXXX ( ... XXXX ) '' as a card transaction. I disputed the charge, as I don't recognize it. On XX/XX/XXXX Chase reversed the charges. On XX/XX/XXXX Chase charged me again with the line on my statement " Claim reversal : XXXX XXXX DE XX/XX/XXXX ClaimId : XXXX ( ... XXXX ) '' as an ATM transaction. I requested documentation from Chase on the matter in XXXX after noticing the charge on my statement. Chase sent a letter saying they had reviewed documents during their investigation, but DID NOT SEND THE DOCUMENTS. I have tried monthly since then to get them to send the documents, and their support lines claim that they have sent the document, but I have not received them.
Product: Credit reporting or other personal consumer reports

Name ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a collection account opened at XXXX XXXX with the balance of ( {$130.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Recently my credit score was docked XXXX points for a debt I have long since paid and demand an explanation being that I haven't used their services for quite some time ( Over 18 months )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery 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. XXXX ) 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: Debt collection

They made agreements to have the collection removed from credit profile if I paid and also said they sent a letter out stating it would be removed but letter also never arrived call was recorded by them XXXX XXXX  same date as receipt
Product: Student loan

I am getting an inaccurate count on the number of qualifying payments that go toward Public Service Loan Forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached forms. I have been calling all XXXX, Equifax and XXXX and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.
Product: Checking or savings account

On the evening of Tuesday, XX/XX/XXXX from approximately XXXX to XXXX oclock I was filing with XXXX for my 2023 tax season then was having a conversation with XXXX support at which time the financial institution of Goldman sachs sent a text message through XXXX XXXX saying that I had to verify my savings account with them and then gave me a phone number to contact them. I did not set up anaccount with Goldman Sachs. it also had a reset on it for the email so I locked it up being that I didnt know the password and I couldnt reset it to the phone number that was given on the screen at Marcus.com I filed with a federal trade commission, but I was the filing number. I also filed with the FCC and included the screenshots from XXXX XXXX and the screenshots from the financial institution where I included the ticket number at the same time my location was showing up as XXXX XXXX XXXX XXXX XXXX on the screen shots on my XXXX while I was sitting at my apartment using my own wifi there was also a phone number associated that was not mine XXXX XXXX XXXX XXXX XXXX XXXX federal trade commission XXXX fcc No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of  a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.
Product: Credit card

Two accounts are showing up negative, and continue to report negatively, when I did a debt consolidation, or debt settlement with a company years ago ... XXXX The company was called XXXX XXXX... And I paid the debt off thru them. WHen i call the creditors, it says I have a XXXX balance, however still affecting me very negatively and still appearing to report for months now and years afterwards. 

The Comenity My Place Rewards, balance of {$290.00} paid off and XXXX which is also Comenity Bank, balance of {$970.00}. Both paid off before XXXX. 

Everytime I call the companies, I am reassured there is a XXXX balance yet it is still reporting negatively. Please HELP : (
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 I have 2 inquiries on my credit report because they failed to identify me at the first time giving them my social security number, my phone number, my address and my driver 's license number. They asked me to take a picture of myself at Lowe 's store, and they end up telling me, " we couldn't identify you based on the information you provided, the picture was not for you, so we can't issue a Lowe 's Advantage card ''. I filed a complaint with the XXXX, and they said " we are sorry, we made a mistake ''., they issued a Lowe 's Advantage card for {$10000.00}. 

I called and asked them to remove the first inquiry because it's their fault. They sent a letter saying, " we can't remove the first inquiry because you could not identify yourself ''. But they could identify me the second time without a picture and issued the card. I spoke to a supervisor after receiving that letter, and he promised to put a request to remove that inquiry. Today, XX/XX/2022, meaning, XXXX months later, I called and spoke to XXXX, account manager, who said, I can't put request to remove this inquiry, because you failed to identify yourself to us. I said, no, you failed to do that. You issued me XXXX credit cards based on the same information. I hang up and called again, after being on hold for an hour and XXXX minutes, I spoke to manager, XXXX, who said, I will put another request. I asked : why XXXX, the account manager refused to put that request again? She said, I don't know. the system in Synchrony Bank is defected. 
The same problem with their automated service is still happening today : you call and enter account number ; it says we can't find an account. Entered social security number, the same reply. We can't find that social security number, after pressing XXXX more than XXXX times, I spoke to a representative who said, yes, I have your account number and SS number. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.
Product: Checking or savings account

PayPal has put my funds on hold again in the amount of {$430.00} and I made a cash advance from my credit card with another bank and I load this money at XXXX and I was told I have to wait 12 hours for the money to be released I would like to close my account and never want to do business with PayPal ever again and I want my XXXX money I need it to pay my bills and PayPal wouldnt released my {$430.00} back into my account