23daVinci/CFPB_Complaints huggingface dataset:
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I open an account with coinbase, for about 6 to 8 weeks it works fine. I received a text from them that said there may be some fraudulent activity, I click to open the link and have not been able to get into my account since. I have sent them at least a dozen messages. I have filed complaint forms out with them. And I've called a half a dozen times. I have got zero responses from them in 2 weeks. In this ball is all cryptocurrency market time is of the essence. We're only talking about {$1000.00} or so here but it certainly shouldn't be up to them to decide when I can access my money. And they shouldn't be allowed to do business if they're not going to have a customer service department.
Product: Checking or savings account

OK, on XXXX XXXX I opened a checking & savings account at b of a. There was a transaction from my edd b of a account on my new b of a account on a statement that they said was a clerical error. There were other problems so I closed both accounts on XX/XX/2021 and reopened another checking and savings. And for some odd reason the initial account that I had closed on XX/XX/XXXX stayed open until I had stopped receiving ssi checks. I recently found this out through my recent investigation I did myself. Being homeless at that time I really didn't have the time to thoroughly go through my statements until XXXX of this year when I housed. Going through the statements thoroughly I saw a numerous amount of bank teller withdrawals and other transactions I did not do. Most of the transactions I was filing claims on they refunded immediately without any Investigations. The bank teller withdrawals which came to approx. {$2500.00} from my checking and savings were not completely reimbursed. Approx. {$700.00} from my checking was reimbursed and approx {$300.00} from my savings was reimbursed. I never got any reasons of how this happened because both banks these transactions happened at know me very well. There's been approx {$1000.00} more withdrawals since then that I did not do and since I said I was going to get a lawyer, they are putting me off stating they will talk to the lawyer. Now these are actual bank teller withdrawals that they have agreed are fraudulent by refunding the money but refusing to refund the remaining fraudulent bank teller withdrawals. I am not doing anymore transactions now until I get my money back. I desperately need help. There was also a tax lien that they had no right taking any money out since I was receiving ssi but took it out of the account that was closed making it a negative balance that I owed. All of the money was returned to my open account leaving a debt in the closed account. I have all of the paperwork and letters from them showing all of this is true. Please help me. I'm trying to add photos of statements and letters from them but it's not working!!!! And it says I can't add more after I submit. Please email me to add these on. PLEASE
Product: Credit card

My family and I were coming together to plan a vacation. We researched and chatted with each other about what we were looking for in terms of a home and on XX/XX/year> I made a purchase to rent a home. Upon arrival we were all excited. We did an initial check of the house and were disappointed to learn that one of the reasons that we chose this particular house we could not use. The backyard fire pit, as the house is also named was unusable. The fire pit had branches stacked in it making the stack over 6ft tall. After walking the property, you see empty beer cans all over the lawn on the side and in the front of the house along with XXXX XXXX. Inside, the window was broken, and we closed off that part of the house due to not feeling comfortable with the children being in that space. The washer and dryer both had sand in it and it ruined two items that we had due to not knowing. In the first bedroom, you saw a receipt from the previous renters in the window, the bathroom curtain had mold on it and was extremely dirty. You could smell the stuffy mildew odor coming from the bathroom. In the back bathroom, there were a couple of roaches, which bugs are there and you ignore them but since it was the only bathroom and had no tub, it caused a small issue with the children. Upon arrival, the microwave was inoperable, this meant that we needed to find something else for the children to eat and were unprepared. We contacted the property immediately and when he came out the next day, he had to search around for the breaker box. My sister slipped ( did not fall ) in the puddle of water that was coming from the refrigerator. This same maintenance person grabbed a towel to sop it up and told us that it was condensation from built up weeks, which would indicate that this had not been tended to in some time, however, later on that evening, the water was puddled back on the kitchen floor again. Lastly, there was not adequate utensils and supplies in the home. We had to go out and purchase things that should have been there such as cooking, eating utensils, pots, garbage bags and tissue. This is not what we signed up and paid for. I submitted pictures of everything listed above. I even contacted the company and was advised that they would do something, but because the rental was closed out, I would need to contact the credit card company. It is unreasonable to believe that the company can show that the house was available, but not be held accountable for the condition or the availability of use for the property or products promised. We had to spend more money being away from the house due to the house not being what we expected. I filed the dispute with the credit card company, and they did nothing about it. There has been no communication about the dispute except for me to reach out today only to be told that they closed it due to the company sending them notice that the house was available. That was not what I disputed.
Product: Mortgage

On XX/XX/2022 I received a letter from my mortgage company, Village Capital and Investment LLC, that was dated XX/XX/2022. It was an annual escrow account disclosure statement. It read, in short, that I had an escrow surplus amount of {$1100.00} dollars that would be sent to me by check within 30 days, provided my loan was current. My loan had always been current with them, and continues to be to this day. On XX/XX/2022 I called Village Capital and inquired about my check as I had not received it? I was told the escrow department had been informed and I'd receive it within days. I called them again on XX/XX/XXXX to ask again about the check that I hadn't received. This time I was told to call back in 45 days if I hadn't heard from them. So I asked for a check number and date it was sent, she couldn't provide it. I asked where was it mailed from and to what address, and the call abruptly ended on her end. No one returns my calls and I can't get any information about my escrow surplus refund check.
Product: Mortgage

XX/XX/XXXX Affidavit of Facts Fact 1 When I requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP Law and the original unaltered Note and where did the loan originate, they then begin foreclosure procedures. I have a valid lien on the property as a secured party. 

Fact 2 Wells Fargo hired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX they filed fraudulent papers and ignored my lien and claim to have sold the property to XXXX XXXX XXXX  on XX/XX/XXXX i went to the court house to bid on the property XX/XX/XXXX no one showed up to bid on the property. 

Fact 3 A man name XXXX claim he bought the property at auction XXXX XXXX XXXX, XXXX XXXX XXXX I haven't herd from him any more after informing him I have a lien on the property he said he would move forward if he can get clear deed and title to the property, all paperwork filed by XXXX XXXX XXXX XXXX is fraudulent the deed of sell is fraudulent if XXXX sold the property why didn't he satisfy the lien holder XXXX XXXX XXXX? 

Fact 4 I would like would like to know Why I cant get the requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP law and the original unaltered Note and where or who did the loan originate from?. 

Much appreciated, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!
Product: Checking or savings account

I opened an account in a Wells Fargo Branch in XXXX XXXX, VA on XX/XX/XXXX. I opened one checking account. On XX/XX/XXXX I received a call from a Wells Fargo representative stating my account would be closed. The only transaction on the account was a {$25.00} deposit. So I was then transferred to another department that asked me had I ever had a Wells Fargo account I said no. So then I was told there was an account in XXXX that was opened another social was used, the signature on file didnt appear to match and another last name was used. So I was asked had I been contacted by Wells Fargo in the past I said no. Clearly nothing in the profile belonged to me. Then the representative said there was a bad check deposited into the account. Which I had no knowledge of. Then I was told that they would combine my information with the other one Im confused because how does my actual information get combined with someones else and how am I liable for an account that isnt even mine. Im being told that I now have a negative balance for an account I just opened and only deposited {$25.00}. My account was closed less that 24hrs after opening it.
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. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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.

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.. Any other adverse item of information, other than records of convictions of crimes which antedates 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

I 've disputed this last XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Equifax. However, Equifax still stated, " Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX Lien Filed XX/XX/XXXX ; XXXX County Common Pleas ; Case or ID # XXXX ; Amount {$600.00} ; Class State ; Released XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX ''. 
I understand that the public record is reporting correctly. However, the Ohio Attorney General already sent them a letter that this record has been vacated ( expungement letter ) and I also sent them the copy of it along with the statement of release, goodwill letters and other information. I also sent them the screenshot of a forum where same case of mine, they were able to remove the public record. XXXX and XXXX already removed it but how come Equifax can not remove it. If they have remove it for others BEFORE as what it showed in the forum, why is it so hard for them to remove mine. Where is fairness in this credit bureau??? 

This is the copy of my first complaint here in CFPB with Equifax : Hi, I used to be a traveling therapist which I amended my tax last XXXX. Ohio has been sending the notification letter/ statement or tax lien to my previous address in NM which I have n't resided since XX/XX/XXXX because I already moved here in TX . Thus, I never received the tax lien bill until I found out my credit score significantly decreased last XXXX XXXX. Since then, I inquired about the bill and took care of it last XXXX XXXX. I send out letters to credit bureaus/ agencies stating that I already paid the tax lien. But the credit bureaus will not remove the derogatory remark of state tax lien on my credit. I 'm planning to buy a house this year but because of the remark on my credit it affected it significantly. Ohio Attorney General send out expungement letters to credit bureaus to remove the derogatory remark/ state tax lien on my credit report. Attached herewith are the copies of my request to credit bureaus : The tax lien release, a letter I had sent them, and then a copy of the expungement letter from the Attorney General. In connection with this, I would like to request from your good office to help me in this case. 

XXXX/XXXX/XXXX Equifax CFPB I sent the tax lien release, goodwill letter and a copy of the expungement letter from the Ohio Attorney General. The Ohio Attorney General also sent the letter to Equifax. I took this advice from a forum because they said Equifax and other credit agencies were able to remove tax liens from their credit reports. I attached here the screenshot of one of the complainant that Equifax was able to remove the tax lien from their credit report. If they have done it with the others, how come they can not do it on my case. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE OR UNVERIFABLE ACCOUNTS UNRESOLVED. the CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected or remove disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

My paycheck/direct deposit is late, my bills are due and Capital One has no answer on when Im getting my money
Product: Credit card or prepaid card

I was given a Vanilla Gift Card worth {$500.00} as a gift from my employer in XXXX XXXX. I tried to use the card for the first time on Friday, XX/XX/XXXX. My transaction, which was less than {$500.00}, could not be processed, which made no sense to me. I logged into the Vanilla site using my card number and saw that XXXX fraudulent charges had been made on XX/XX/XXXX totaling {$290.00}. I called Vanilla to report the fraud. The representative advised that the card had been used in CA and XXXX of the charges was at a XXXX. The representative canceled the card - including any access to the {$200.00} remaining. I was emailed two pages to fill out with details and information, which I did. I returned this information to the dispute department and received from them a confirmation email on XX/XX/XXXX. That confirmation email ( pasted below ) indicated that I could expect resolution on this matter in 90 days or less. XX/XX/XXXX marked 90 days, and I have yet to receive any update or resolution. I have emailed the dispute department XXXX times, with not a single reply. I called customer service today, XX/XX/XXXX and was informed that no notes have been made on my file. It seems as though I have been defrauded not only via the initial theft of funds on XX/XX/XXXX, but also by Vanilla Gift Cards, who took the balance of my funds. They not only have done nothing about the stolen amount, but seemingly are content to hold onto the funds that the thieves didn't steal. This all feels like a giant scam. They have my name, address and phone number and I don't have a single name of a person there. My dispute case number with them is XXXX. 

Email from XX/XX/XXXX Greetings, Your dispute packet has been received and forwarded to the Dispute Department for review and investigation. Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date, however, most are resolved before then. If additional information is needed, you will be contacted via email. 

Please include your case number on any communication regarding this dispute. 

Thank you This mailbox is not monitored, any correspondence should be send to XXXX. 

DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX PAYMENTS | TECHNOLOGY | INNOVATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX  have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Student loan

My student loan servicer has been denying the interest subsidy that's part of the SAVE PLAN even after making full monthly statement payments ( in some cases much more than full monthly statements ). 

I have made FULL MONTHLY PAYMENTS every month since student loan repayments started again in XX/XX/XXXX. In some cases, I have paid well beyond the full monthly statement. There should be {$0.00} accrued interest accumulating as the SAVE Plan is supposed to provide an interest subsidy for anything beyond the full monthly payment. 

Yet, I was recently charged {$1000.00} in interest on a {$2000.00} payment for XXXX. I made full monthly payments every month prior to that, not withstanding recent mandatory forbearance where there is no interest on the loans. 

I submitted a complaint with the CFPB about this issue earlier this week, and the company responded quickly with an answer, saying they have calculated everything correctly. That turned to be a bunch of horse hockey. 

I just spent roughly 90 minutes on the phone with an Aidvantage supervisor clearly identified that the SAVE Plan interest subsidy did not apply to my account in XXXX, XXXX and XXXX of XXXX -- despite full monthly statement payments being made in each of those months. 

Again, a supervisor from the company just told me on the phone that he could not explain why Aidvantage was failing to apply the SAVE Plan interest subsidy during those three months, even after I made full monthly payments that would qualify for the interest subsidy under the SAVE Plan.

This company has taken a huge chunk -- more than half -- of a recent payment and applied it to some phantom interest charge that should not exist. I qualify in each of those three months, XXXX, XXXX and XXXX, for an interest subsidy under the SAVE Plan because I made full monthly payments.
Product: Debt collection

I do not owe this company anything. I want an original contract signed by me, a purchase agreement for the debt, and a license number for this company to be able to collect a debt in Florida. 

I have never received anything from this company, but about a month or so ago, I see this collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my transunion report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and transunion removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and transunion says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on transunion and XXXX. 

2 ) Transunion has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. Transunion has stated the the account is accurate. It's not my account. This account also displays on XXXX and transunion. 
Last but not least 3 ) Transunion also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.