23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Someone open an account in my name fraudulently. I called the company they can provide no account that exists in my name but they keep telling the credit bureaus that the info is correct. I gave them the account listed on my credit report and still unable to locate any info that says I have an account. This is completely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ( Experian ) ; XXXX XXXX XXXXXX/XX/2022 ( XXXX ) ; XXXX XXXX XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.
Product: Credit card or prepaid card

I had {$380.00} in my checking account with Bank of America. I paid off my Bank of America credit card bill of {$380.00}. Somehow the card got paid off twice. Now my balance was - {$380.00} on my credit card and - {$310.00} on my checking account. This resulted in my checking account having a negative balance. My debit card recieved an overdraft protection of {$400.00} which was a cash advance from my credit card, in order to pay for my credit card twice. To summarize I paid once on my credit card, got charged twice which gave me a {$12.00} overdraft transaction fee and a {$3.00} interest fee on the cash advance. I called Bank of America and they refunded me my {$380.00} back.
Product: Vehicle loan or lease

On XX/XX/XXXX, I got a used vehicle at a car dealership by the name of Public Automotive in XXXX, Texas. When I financed my car, I was asked to pay an out of pocket down payment of {$1500.00} AND a car note which is a violation of my rights as a consumer as this was supposed to be a credit transaction. On hand cash was NOT involved in this transaction, and I have a bank statement/screenshot to provide truthfulness to this statement. Since then I have requested my contract not once, but TWICE and finally received a copy in the month of XXXX of XXXX. This copy does not coincide with an agreement done in good faith on behalf of not only me, but a numerous amount of consumers that could be harmed by their rights being ignored in the exact sense as I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding two old tax liens but was told information is accurate. They have been removed by XXXX and XXXX but TransUnion is still showing them. One from tax year XXXX ( showing as reported in XXXX ) the other is from tax year XXXX ( showing reported in XXXX ). Both have been paid. <P/>According to NYS law - N.Y. GBS. LAW 380-j : NY Code - Section 380-J : Prohibited information ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. ( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; Therefore - both of these are satisfied as paid within 5 years and entry date more than 5 years prior. I believe these should both be removed from the remaining credit report.
Product: Checking or savings account

Victim of Identity Theft through JP Morgan new account opened after name change social security documents in XXXX
Product: Credit reporting or other personal consumer reports

I have requested 4 times Transunion reveal the method of verification on an erroneous XXXX XXXX XXXX  they've been reporting on my credit profile for nearly 4 years. They never reveled the method of verification only updated it as valid. The last three requests have been ignored altogether without a response.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report a late payment on the account XX/XX/XXXX Account # : XXXX. The consumer agencies has provided me with no evidence that proves that I was indeed late XX/XX/year>. Provide me with the evidence that proves this or update my consumer report to reflect accurate information. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Student loan

Edfinacial  on hold XXXX hours XXXX hours currently. I did the receive a call back no call. They want pay over {$750.00}. a month. I am not working at the moment. I am in line for employment I will be making around XXXX a year. Applied for Save plan and the web sight says it is in process. I can not afford that amount. Been out of work for a month. I have life circumstances that have changed. No way to inform them of changes. So I am going to default on payments for XXXX and that will reflect on my credit. I have always paid my student loans on time, as well as all my bills
Product: Bank account or service

I submitted a check for {$3.00} and it was denied, while my account had over {$500.00} in it. I called three bank branches and was given ran around and no explanation whatsoever why I was denied and charged {$2.00} and later another {$2.00} for the denied check. Representatives kept transferring me to the automated system, which was of no help to me. The last person XXXX, from the branch on XXXX XXXX XXXX was extremely rude and unhelpful.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 I want the CFPB to publish this XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed a complaint with the CFPB, and the status shows Open and the notice was sent to the company. It does not indicate in the column, companies response is in progress as of the date received and working on it. I then received in the mail on XX/XX/2023 a updated report from Experian with no Method of Verification and my personal identifying information remains the same even though I've sent them proof of who I am and of my only residence. Still, it is NOT corrected. They have all old addresses and old phone numbers still being listed on my credit report. I've also sent Experian three different notices that I've received on my personal information that is being used on the dark web and has been compromised. This is INDEED a hindrance to my creditability and a big DISTRESS to me on a daily basis. I have attached the updated UNVERIFIED credit report that Experian has provided me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX dba XXXX XXXX stole my SSN and plastered it all over their mobile application due to a pending legal matter. My information was compromised and need all bad and derogatory remarks and accounts removed my account, immediately. 

XXXX  XXXX Balance Last updated XX/XX/XXXX {$10000.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$10000.00} XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX Remarks Placed for collection XXXX  XXXX XXXX Last updated XX/XX/XXXX Balance {$7300.00} XXXX Last updated XX/XX/XXXX Balance {$4600.00} XXXX XXXX- XXXX Last updated XX/XX/XXXX Balance {$940.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment Original Creditor XXXX  XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address Phone Number XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Remarks Placed for collection XXXX XXXX  - XXXX Last updated XX/XX/XXXX Balance {$910.00} XXXX Last updated XX/XX/XXXX Balance {$570.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment Original Creditor XXXX  XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX XXXX Last updated XX/XX/XXXX BalanceContact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX  XXXX Last updated XX/XX/XXXX Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau XXXX XXXX account ending in # XXXX Late payments being reported
Product: Debt collection

Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested. Remove the following accounts from my credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit card or prepaid card

Citibank was ordered by the court to reimburse the over charged interest rate fees. They owed me {$3100.00}, they took the money, applied it to my balance owed on the credit card, dropped my credit card limit, they told me that it was all legal. My question is, is that legal?
Product: Mortgage

I previously filed a complaint against Shellpoint Mortgage Servicing. Loan # XXXX Shellpoint Mortgage Servicing from XX/XX/XXXX to XX/XX/XXXX the account was in forbearance related to COVID. Upon our termination of the forbearance, we were offered options to pay the amount deferred during forbearance. We were offered a trial loan modification, which required three payments of {$1900.00} to be paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We made those three payments as instructed. We were then told we would receive the final loan modification document with the exact amount for ongoing payments, which would likely be the same amount as the three trial payments. Shortly thereafter, we were informed the loan had transferred to XXXX XXXX. We subsequently found out that the information Shellpoint transferred to XXXX XXXX reflected the amount deferred during forbearance as past due, which now has XXXX XXXX handling the loan as though it's delinquent. We also received a document from Shellpoint that the loan was in default and in jeopardy of foreclosure. We then received another document from Shellpoint that our account was being reported as delinquent to the credit bureaus. I contacted Shellpoint about this and was told there was nothing they could do since they are no longer servicing our loan. 

On XX/XX/XXXX, I received a response from XXXX XXXX in Shellpoint Mortgage Servicings Compliance Department. The response is attached. 

1. XXXX XXXX, on behalf of Shellpoint Mortgage Servicing, acknowledged that the account was in COVID forbearance from XX/XX/XXXX to XX/XX/XXXX. 

2. XXXX XXXX, on behalf of Shellpoint Mortgage Servicing, acknowledged that XX/XX/XXXX through XX/XX/XXXX the account was in a trial modification period, and the payments were paid as agreed. 

3. XXXX XXXX, on behalf of Shellpoint Mortgage Servicing, acknowledged that Shellpoint Mortgage Servicing placed the account in default and reported the account to credit bureaus as delinquent. 

Since XX/XX/XXXX I have made 20 phone calls attempting to speak with XXXX XXXX. No calls have been answered. Calls are always sent to voicemail. I have left messages, but have not received a single return call. 

Shellpoint Mortgage Servicing is in direct violation of the CARES Act. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

Pursuant to requirements in the CARES ACT Shellpoint Mortgage Servicing CAN NOT report the loan as delinquent and CAN NOT place the account in default because the loan was in COVID forbearance from XX/XX/XXXX through XX/XX/XXXX, and in modification from XX/XX/XXXX through XX/XX/XXXX. 

I am certain Shellpoint Mortgage Servicing is aware of the CARES Act requirements, therefore I can only surmise that Shellpoint Mortgage Servicing is willfully violating the CARES Act and willfully causing us harm.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc. ) due to inadequate customer service And unfair practices Which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on our platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution And deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caught significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting

There are inquiries on my credit that I need removed from my credit reports. I was led to believe that these inquiries would soft pull credit checks.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

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 Account name : XXXX XXXX # XXXX XXXX XXXX XXXX  # 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 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: Money transfer, virtual currency, or money service

XXXX - XXXX PayPal restricted my account due to some transfers I received between XX/XX/year> and XXXX which were from my clients because I work in the field of graphic design, this is not the first time but the second maybe the third, they asked me for my identity information, the bank, an explanation of these transfers, and I confidently and happily gave them everything, and I gave them the last bank I transferred the amount to as well, which is XXXX of my banks But suddenly on XX/XX/XXXX they restricted my account completely, now I can not receive my salary, nor work, everything is stopped, and my daughter has an operation in XXXX months, the amount is XXXX XXXXd and I have been working hard for this number, and because of PayPal 's reckless decision and restricting my account without finding an illegal work that violates their laws, I am unable to pay the costs I demand PayPal take another look at what I sent them, or request correction and clarification of what they see as violating their requirements, and I will give them I will gladly do it, within XXXX days or a week, not months like last time because it is a matter of life or death.
Product: Student loan

Submitted updated Employment Verification Forms to FedLoan when the Federal Government announced the temporary waiver for the Public Service Loan Forgiveness program in XXXX. I consolidated loans in XXXX and I'm seeking to have payments made between XXXX - XXXX counted for PSLF. On XX/XX/XXXX I received a letter that stated, in part, " Per your request we have completed our review of your eligible and qualifying payment counts in your pursuit of Public Service Loan Forgiveness ( PSLF ). We can confirm your payment count is accurate and now consider the matter closed. '' Unfortunately, this is categorically untrue as their own records show payments only counted after XXXX. This false, incorrect information is egregious for a representative of the Federal Government to send out, and FedLoan needs to put a stop to lying in writing to account holders immediately.
Product: Mortgage

XXXX Originally Mom and I Refinanced with XXXX XXXX. They were then purchased by Wachovia and Subsidiary. Finally Wells Fargo Bank N.A. Mom passed the properties are are in probate. I got sick ( XXXX ) got behind. 1 ) property XXXX XXXX XXXX XXXX XXXX my boys and I live there. 2 ) XXXX XXXX XXXX a XXXX I rent out for income. Wells is foreclosing on both but they are not the mortgage services and have no papers - I have tried suing them for wrongful foreclosure. I am trying to get reverse mortgage and its in process and I can pay them off. I had been in bankruptcy they had the auto stay removed to foreclose but there are others on the property. In fact both. I was in Federal Court Case that Wells moved from XXXX XXXX to XXXX XXXX without notice. Case # XXXX NC and XXXX XXXX XXXX XXXX. I really need help being sick - got XXXX young boys, I got both property 's in Probate there is a current bankruptcy going on XXXX XXXX XXXX has interest in both properties BK # XXXX and adversary case XXXX. We need help. What can you do for us.? XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my rights per the Fair Credit Reporting Act ( FCRA ). I listed the ways below : 1. First, I have sent multiple letters to Experian disputing the bankruptcy on my credit report requesting them to provide a description of the investigation conducted along with who they reverified this bankruptcy with including the business name, address, and telephone number of the furnisher of the information as you have on page seven ( circled in red ) attached to this email. They have never sent any of the information per my request but on XX/XX/21 they still said that this bankruptcy is accurate. This is a violation per the FCRA. 

2. On my experian report page 8 ( circled in yellow ), Experian said they certified the information ( US BKPT CT PA XXXX ) as accurate as correct with the company that reported it and to review my report for details. On page 9 ( circled in red ), experian said this section includes public record items from courts that Experian may have obtained from a third party vendor XXXX. I requested and reviewed my consumer report from XXXX on XX/XX/21 but there is no bankruptcy on the report therefore Experian need to provide me with the source of this bankruptcy ASAP because they are validating my rights per the FCRA because they are not validating this bankruptcy debt on my credit report. Please do not reinvestigate but confirm the third party company that reported this to you and made you report this debt as accurate on the dispute results report # XXXX for XX/XX/21 on page 8 ( sheet attached ).
Product: Debt collection

XXXX XXXXXXXX and XXXXXXXX was paid and still reports On my credit and negative as well as none of the collections that debitors are collecting are reporting it to credit agencies. Student loan is hurt my credit its 20 plus years old Ive applied to be forgiveness but now even though payments are pause it stated they are late and its hurrkmf my credit I lost my job which was used for my employment and no longer could get into the island during XXXXXXXX XXXX XXXXXXXX is should Be classified kn disstrr snd forgone. Things are duplicate n hurting my credit lease help me
Product: Credit reporting or other personal consumer reports

This inquiry was made by the creditor without my consent