23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent to file lawsuit, No validation of debt. 
Validation letter sent to : XXXX XXXX XXXX XXXX Account # : XXXX & # XXXX To whom it may concern : Please be advised I have reported " validation '' ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received the response that does not indicate or prove : 1. I had this service 2. What services I am being charge for. 3. What the cost of each services I am being charged for. 
Furthermore, ( XXXX XXXX XXXX XXXX ) did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I AM PROCEEDING WITH LEGAL ACTION AS PRESCRIBED BY LAW AGAINST THE ABOVE-NAMED ORIGINAL CREDITOR/COLLECTION AGENCY. SHOULD THIS ITEM NOT BE DELETED WITHIN THE REQUIRED TIME ALLOWED BY LAW I WILL SEEK EVERY LEGAL REMEDY AVAILABLE TO ME AND FILE SUIT AGAINST THE CREDIT BUREAU RESPONSIBLE FOR REPORTING THIS VIOLATION. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX I ask the help of CFPB I have put much effort for months now and time to get this resolve please me as XXXX has also sent a notice that they will no longer investigate my dispute and has closed my dispute without providing any documents to me that I have requested, I'm afraid the bureau is not investigating properly into this matter. Nor has XXXX XXXX provided me with nothing. I have done my part as a consumer, how is it a dispute has been closed when I have submitted a complaint and the above agency has sent a response that they would investigate, and XXXX instead closed my dispute. How is this possible? Enclose CFPB I have attached a copy of letter sent to the creditor with the date XX/XX/2019, no response was received instead I have been receiving bills from the above creditor ( note this is NOT show validation a statement with a bill of debt ), since XXXX XXXX has stated this account has been verified. How is this possible if the creditor has not even show me nothing? I have attached a response from XXXX I have received about the complaint made through cfpb since XX/XX/2019 mind you first initial attempt to contact this company was since XXXX its XX/XX/2019 and nothing has been receive almost 3 months, also attach is the first letter sent to XXXX  ( HIPPA ) proof it was sent and receive by XXXX, also attach is second letter and final letter I have sent to XXXX ( HIPPA ) yesterday on XX/XX/2019. I will proceed with a law suit if these accounts are not removed, both Equifax and XXXX will be hearing from my lawyer if this is not resolve in a timely matter. Once XXXX is removed from my file I request XXXX  also request their account be remove from my all credit bureaus.
Product: Debt collection

The loan was opened XX/XX/XXXX. The last contact I had with this company was XXXX XXXXz The debt owed is {$570.00}. This company has been re-aging this debt. My debt is over 6 years old and as of XX/XX/XXXX they re aged the debt saying it was newly opened and 3 months old!
Product: Credit card

I went to Nordstrom in XXXX XXXX and purchased XXXX items on XX/XX/year> a dress and a XXXX  tank top the bill was {$130.00} around there and then I got my statement and my statement had a debt for over {$300.00} when I called Nordstrom they told me that I had purchased a XXXX dress a XXXX  tank up another tank top for {$180.00} I told them I never purchased the tank top for a {$180.00} they refuse to give me a copy of a signed receipt will not assist me at all. They turned down my dispute I told them someone cancelled my original transaction and added this item they refuse ti assist me or provide me w signed receipt.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have asked numerous times not to be contacted by XXXX and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utility company XXXX XXXX charged off a utility account under my name and social in XX/XX/XXXX in the amount of {XXXX}. The account was opened in XX/XX/XXXX. I live in California and have never lived in Texas. 
The account is listed on Experian and XXXX credit reports but may be listed in XXXX as well. 
I disputed the account as " not mine '' with Experian in XX/XX/XXXX but the account was just updated to " disputed '' but not deleted. 
I called Experian who advised that it appears to be fraud and I place a Fraud Alert on all three credit bureaus.
Product: Student loan

While attempting to submit payment for my student loan, MOHELA did not provide an eta for the wait time as per CA state law.

This is a violation of CA civil code statutes AB 376, AB 1864, SB 908, Section 1788.101 ( a ), Section 1788.101 ( b ) ( 1 ) - ( 6 ), Section 1788.101 ( b ) ( 7 ) - ( 10 ), Section 1788.102, Section 1788.102 ( b ), Section 1788.102 ( c ) - ( d ), Section 1788.102 ( e ), Section 1788.102 ( f ), Section 1788.102 ( g ), Section 1788.102 ( h ), Section 1788.102 ( i ) and ( k ), Section 1788.102 ( j ), Section 1788.102 ( l ), Section 1788.102 ( m ), Section 1788.102 ( n ), Section 1788.102 ( o ) - ( r ), Section 1788.102 ( s ), Section 1788.102 ( t ). In addition to several additional Federal, state, and local statutes pertaining to financial fraud. Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department.

While on the telephone with a MOHELA representative, ( XXXX, ID # XXXX ), I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 15 U.S. C 16815-2 ( 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. LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}
Product: Payday loan, title loan, personal loan, or advance loan

Describe what happened : On XX/XX/year>, I took out a personal loan with SoFi Bank, N.A., as outlined in the attached Truth in Lending Act Disclosure and Loan Agreement. As part of the loan, SoFi was responsible for disbursing {$11000.00} to pay off a specified credit card account. However, due to an error, the funds were directed to an incorrect account, identified as a XXXX XXXX credit card instead of the intended XXXX XXXX credit card. 

Timeline of events : XXXXXXXX XXXX XXXX  : I signed the loan agreement with SoFi, which included specific instructions to allocate {$11000.00} to the XXXX XXXX credit card account. Instead, SoFi 's records incorrectly identified this account as a XXXX XXXX credit card. 

XXXX XXXX XXXX : Upon reviewing the documentation and recognizing the error, I contacted SoFis customer service immediately to rectify the issue. I informed them that the funds needed to be directed to the correct XXXX XXXX credit card account instead of the XXXX XXXX account. 

XXXXResponse from SoFi : I was told by SoFi representatives that no corrective action could be taken until two weeks had passed. Despite my immediate efforts to clarify the situation, SoFi failed to address the matter promptly. 

XXXXSubsequent Follow-Up : Over the next several weeks and months, I followed up with SoFi to resolve the issue and confirm the funds were correctly redirected to the XXXX XXXX credit card account. However, no corrective action was taken, and to date, the intended recipient, the XXXX XXXX credit card issuer, has not received the funds. 

Actions I took : XXXXContacted SoFis customer service the following business day to report the error and request immediate action to resolve it. 

XXXXFollowed up with SoFi multiple times in the weeks following to demand clarification and a resolution. 

XXXXVerified with the XXXX XXXX credit card issuer that the payment was not received. 

Impact of SoFis actions : SoFi 's delay and lack of resolution have caused significant financial inconvenience and potential damage to my credit standing. Despite my proactive efforts to address the issue immediately after it was identified, SoFi has not fulfilled their contractual obligation to disburse the funds correctly or within a reasonable timeframe. 

I am seeking CFPB 's assistance in holding SoFi accountable for their failure to resolve this issue promptly and in ensuring that the funds are disbursed to the correct account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO XXXX, XXXX AND TRANSUNION. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.
Product: Credit reporting or other personal consumer reports

First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXXXXXX XXXX local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/XXXX the same date of statement closing on XX/XX/XXXX. XXXX XXXX incorrectly reported the balance as {$3300.00} to XXXX and Equifax. When it should have been {$1800.00}. This error incurred by XXXX XXXX caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/XXXX. I paid this today ( XX/XX/XXXX ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your time.
Product: Bank account or service

I have been experiencing identity theft and also i have been going through a lot of financial situations. I recently opened a small business and had different of personal accounts that different people from different organizations and other trust fund monetaries that where left to me from a deceased individual, that explained that she wanted her money to go to a charity of some type. I was left a sum XXXX XXXX dollars close to in XXXX XXXX i should say. I opened my investment account and I did the appropriate paperwork for the trust fund account and gave the appropriate distribution for how the money was supposed to be distributed equally each month and to each account. Every single account that I have opened and every deposit that was either transferred and or supposed to be wired, released to the account and then in increments where transferred out of the accounts slowly and shortly. While at the same time the accounting information online are telling me pending. By the third day of the payment holding process the bank then shows that the account funds was insufficient and on top of the NSF message i had to pay a check refund payment. Every single time the check goes through a specific holding period the funds within that period are released and then the information changes and says that it can not be processed and the checking funds was stopped. This has happened with a repeat number of my accounts causing me to go negative within my business to take a major loss on the business and personal aspect. I then try to get some type of confirmation and or repayment and the companies try to tell me they can not locate the account and or they can not understand what happened with the account. I filed different police report numbers and have been to different agencies and yet i am still without any account and or without any funds at all. I do not know exactly what to do and or how to get my funds back nor do i know how to or what to do because it has even been a change in the police reports that i have done missing information at the merchants, and /or the different companies that i have used for money accounts and or for personal stored information. I have tried protective custody switching name and personal information on my accounts plus more and at this point i am at a total blank of what is going on or what to do next.
Product: Credit reporting

I requested my free annual credit report from all three companies but only received one from XXXX and it was full of errors, appearing as if my credit was combined with someone elses. I could n't access XXXX or Equifax because the security questions asked for me to enter were based on someone else ( addresses I have never lived at, accounts never opened etc. ) I do n't think anything was stolen or my identity taken but it definitely needs looking into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting

I understand that TransUnion 's systems experienced and system glitch and old inquiries were re-added to credit reports. I 'd like to have those inquiries removed, I can not get through on their toll free number. I held for almost 2 hours.
Product: Checking or savings account

Someone was able to log into my bank account, steal my identity, and issue a {$49000.00} wire transfer emptying my savings account. I received an email confirming the transaction, and I immediately realized to be the victim of fraudulent activity. I called the bank within 2 minutes, but unfortunately, due to slow customer service and heavy calls volume, I could only speak to a fraud specialist XXXX later. The fraud department told me that, unfortunately, the funds were already gone and helped me to start a claim and submit an affidavit. ( This happened within the first 2 hours from the time of the fraud on XX/XX/2022 ). On a recorded line, the Fraud specialist also assured me that I would receive a provisional credit pending investigation. The bank later refused to credit me for the amount bringing up company policy and other excuses regarding wire transfer fraud protocols.
Product: Mortgage

To whom it may concern, I am working on a mortgage application with Citi Bank, NA. Here 's what happened : We started the loan processing on XX/XX/XXXX when I had a contract with the seller. The closing date we set up was XX/XX/XXXX, which gave Citi Bank almost 60 days to process the loan. 
During the process, I always respond to the requests from Citi Bank with in 1 business day including documents they requested or any other information. However, every time when I submitted my documents and asked the loan officer and processor if the documents met the requirements or did they have all the documents they need, they never respond. It is XX/XX/XXXX and that means 7 days pasted the closing date, Citi Bank still can't provide us a concrete closing date. This is due to their lack of response and failure to fulfill the jobs they were supposed to do. I have the full time line of the processing for your reference. 
XX/XX/XXXX under contract XXXX Appraisal received XX/XX/XXXX UW asking for supporting documents. 
XX/XX/XXXX Supporting docs submitted XX/XX/XXXX Approval package with requirement of some additional docs XX/XX/XXXX Supporting docs submitted XX/XX/XXXX XXXX asking supporting docs that I submitted before ( more than once! ) XX/XX/XXXX Supporting docs submitted right after the call XX/XX/XXXX Still no closing plans from Citi. 
we doubt we are getting an extension from the seller and the whole deal could be dead. 

If the deal fails through, I will suffer from severe financial loss including : {$5000.00} due diligence money, {$800.00} appraisal fee, {$330.00} house inspection fee and most importantly, the priceless time from both agents of seller and buyer and myself! 

It is inexcusable that Citi Bank had 67 days to process the loan and still they failed to close it on time despite all the effective efforts I ( and my agent ) made through the whole process.
Product: Credit reporting or other personal consumer reports

My personal information has been involved in XXXX data breaches involving XXXX & XXXX. 
I am demanding the following Fraudulent accounts be Blocked or Deleted from my credit file due to Identity Theft pursuant to FCRA XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX Auto XXXX # XXXX These accounts DO NOT belong to me & I gave NO permission to anyone to use my personal information without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress please violations
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

ACS was the servicer for my student loans and I had set up automatic payments. Payments stopped being taken out and I was either provided with no assistance or my calls were not answered. I have not been able to find out the status of my loans or reach ACS. My credit score is now negative because of ACS mismanagement of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the past 6 months to have this issue resolved with my credit report with no avail. XXXX XXXX ( Original Creditor : XXXX ) XXXX. This account is reporting innacurately and has been reaged. I have attached this account on my credit report as proof Experian is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX XXXX  is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX
Product: Bank account or service

Bank of America took money from my bank account for a 2014 debt without notifying me. The debt occurred as a result of the bank 's negligence in not having a business continuity plan. They failed to close their XXXX office despite warnings of a severe snow storm. As a result, I was stranded for over 21 hours on the interstate. As a result of that calamity, I was hospitalized at XXXX receiving XXXX. The Bank further damaged me by not approving my leave and I did n't receive a paycheck while out on leave. This caused my account to become overdrawn. By the time I appealed and fought the decision not to pay me, my account had been closed. At no time did the bank give me an opportunity to try and settle this debt. Instead, they waited 2 years to take money from my account without warning. Bank of America has a history of abusing the elderly and XXXX veterans.