23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Loan To Learn, an EduCap Inc company, is reporting inaccurate information to XXXX. I have disputed this account 6 times with XXXX ( 5 denied, 1 ongoing ). When I reached out to XXXX to get details as to how their conclusion was reached in each dispute, they advised that it was electronically, they depend on the lender to do the research not themselves and to refer to the dispute results. The dispute results provide a VA address and a disconnected XXXX phone number. 

After sending a certified letter to the address provided, I was finally able to reach Loan to Learn and started email correspondence with XXXX. I was referred to a 3rd party collection group when I asked for account ownership verification ( a certified letter was also sent to the group that has not responded ). During the correspondence, I learned that Loan To Learn transferred their loans to XXXX XXXX XXXX who sold the account to XXXX XXXX XXXX. After advising that Loan To Learn is violating FCRA policies by not verify account ownership, reporting false account details, re-aging old debt as new, sending info for debt greater than 7yrs, I was again referred to the 3rd party collection group. 

All email conversations, records of certified letters/responses, results from a third party credit reporting agency ( XXXX XXXX ), have been sent to Equifax also with a fraud alert being placed with the CRAs and FTC. Below are the account details : Lender : Loan To Learn Account : XXXX Amount : {$21000.00} with {$11000.00} past due Date Opened : XX/XX/XXXX but no activity reported until XX/XX/XXXX XXXX   Status : Collection Account as of XX/XX/XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account : XXXX Amount : {$40000.00} Equifax Stats XXXX N/A - Equifax has XXXX knowledge of XXXX. They thought Loan To Learn was the collection company.
Product: Checking or savings account

Hello, my name is XXXX XXXX XXXX, son of XXXX XXXX XXXX XXXX. 

The reason why Im messaging the CFPB is because unauthorized transaction was made with a company named XXXX XXXX. This is a case of identity theft, and fraud on the Chase Bank account. My father passed away on XX/XX/2022. Ill find out a loan was taking out of his name in XXXX. The reason why Im contacting XXXX XXXX is that my father and I shared a bank account at the time. They used ACH Transfer and ended up withdrawing the money for themselves, while using my share account with my father to pay off the loan that accounted for the {$8000.00}. I thought it was a past loan my father took from another loan company named XXXX while he was out of work and was doing his XXXX treatment, but while I was looking through my bank account in XXXX. I seen a XXXX XXXX payment. I had no idea who, or what XXXX XXXX was so I called Chase Bank for a quick resolution, which they helped with temporary credit. Recently, I decided to check all my finances including the account that I shared with my father and thats when I found out {$8000.00} that was taken from the same company on XXXX. I called Chase about a month ago about it, I gotten temporary credit again and I didnt have evidence of what was going on at the time but I knew whoever was doing this had malicious intent. However, XXXX XXXX reversed the claim, and said it was valid ACH Transaction. Which led me to find out whats really going on and finding a true resolution for this problem. I called XXXX XXXX, they still haven't gotten back to me for resolution. I'd explain issue and nothing has transpire. Now I'm filing a complaint on Chase Bank, and further investigation I'll do one against XXXX XXXX. 

Please help me with this issue for this fraudulent problem. It wasnt giving permission to be taken, I have no idea who the assailant was. Its possibility it was virus that was in my computer that gave a hacker information about my father & I finances, SSI, and bank accounts that keep in the computer. Thank you so much. If needed, more information about my account or my father. Thank you. 

Update : XXXX XXXX had given me the {$290.00} from XXXX successfully saying it was an unauthorized transaction through Chase. However, they're saying the {$8000.00} was authorized, while Chase agrees with them ... Something is wrong.
Product: Bank account or service

After repeatedly calling Citi for 6 months trying to resolve my concerns, I submitted a complaint against Citibank in XXXX ( CFPB Case # XXXX ). In response to that complaint, XXXX XXXX, a Client Liason from the Executive Response Unit responded stating Citi would honor my request for XXXX Thank You points and that those points would be deposited in my account in 30 days. I had been paying a $ 30 monthly fee on my account waiting for Citi to award the points. I finally closed my account on XXXX XXXX in order to avoid any more fees. On XXXX XXXX, 2016, I called Citi to inquire about the points. I spoke with XXXX, a customer service agent and XXXX, a supervisor. XXXX informed me that there was no record of Citi 's letter stating they would give me the points and even going so far as to insinuate that I had created the letter myself in order to defraud Citi. A copy of the letter is posted on the CFPB website under my Case #. I have literally spent hours on the phone trying to take care of this matter myself. I am frustrated that it takes hours and intervention by the CFPB to get Citi to make good on their promises.
Product: Debt collection

I have disputed this account with all three credit bureaus several times. Most recently on XX/XX/2023. I asked for a contract and proof of debt. I have not received anything from the company validating or verifying this debt. I am not aware of the original creditor nor the debt collector, therefore I need validation to verify that this is indeed my debt. In accordance with 15 U.S. Code 1692G, I have already requested verification of this debt. The company has not responded well past the 30 days allowed for providing a response. Since this debt was disputed pursuant to the Fair Debt Collection Practices Act, the company is required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint number XXXX. EXPERIAN took longer than 30 days to complete their investigation. Mark the following account as paid as agreed or delete the account. XXXX XXXX XXXX
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. My account was hacked into once before, to protect my information, I had to completely close my account as they were no help to me. 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 cause significant inconvienence and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Back in XXXX of 2020 i spoke to my mortgage company about what i could do to decreased my payments because due to miscalculations on the escrow my payments went up by around XXXX $ I was given the option for a modification. I was told by several different people from the Homestar company that this would not affect my credit and yet it has been being reported that i have not made any payments My credit score has dropped from a XXXX to a XXXX. I have made all the payments on time and i keep getting the run around about the modification being complete but not finalized. My credit has taken a huge hit from this. I have spoke to several people at Homestar and still cant get this modification finalized or a straight answer. This has been going on for 10 months. I need help and answers please.
Product: Vehicle loan or lease

On XX/XX/XXXX the car was purchased. On XX/XX/XXXX the first payment was made. On XX/XX/XXXX was the first payment due. A total of 16 payments have been made. The next payment should be due XX/XX/XXXX. I have attached the evidence showing the original date due for XX/XX/XXXX. After I requested the revisement they sent me a new payment due of XX/XX/XXXX which also has been attached. I have attached both the original date and the adjusted date both are incorrect. The correct date should be XX/XX/XXXX. So two payments are missing after adjusted request.
Product: Money transfer, virtual currency, or money service

Roboinhood Restricted my account for no reason without telling me why and now they wont let me transfer the money i put into the account out of the account. They are holding my money and wont do anything to help.
Product: Mortgage

Our Wells Fargo HELOC Renewal Application was declined due to our debt to income ratio. Wells Fargo requires a maximum rate of 45 % and our ratio is 49 % .There are 3 issues : First, Wells Fargo did not include the dollars we have saved in our traditional IRA accounts to more accurately compute our income they said because we have never withdrawn any dollars from those accounts. We are both age XXXX and do not plan to withdraw any dollars from our IRA accounts until required to do so based on IRS Minimum Required Distribution Regulations Second, we were also told our Well Fargo Advisors XXXX Account IRA dollars that we have saved although a sizable amount is below the {$1.00} million that Wells Fargo requires to be in a retirement saving account to be included in the income computation. Finally, Wells Fargo informed us that due to federal regulations, they could not provide a lower credit line counter offer for it would not pass the federal Benefit to Borrower Test.When we asked for a copy of the Wells Fargo policies on the above issues, that request was denied claiming confidential, privileged and proprietary information. We feel these policies and practices are unfair and discriminatory especially toward seniors.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Transunion. I submitted a complaint to Transunion regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Transunion is legally obligated to respond within 30 days of submission. However, it has now been 30 days since my complaint was filed, and I have not received any response from Transunion. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Transunion address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting

There are XXXX accounts on my report that have passed the reporting time limit. The accounts are XXXX BANK Account no. XXXX and Account XXXX ... .. Charged Off. These accounts have been deleted off my XXXX and XXXX reports. I have contacted Experian by mail asking for these accounts to be deleted and they have n't. They would n't allow me to file a dispute case online indicating these items have disputed before.
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX XXXX and its the credit card issued they said this card would not be charged until o received my product the purchase was made XXXX XXXX with a eta of XXXX it is now XX/XX/XXXX I still have not received the furniture but my card was charged. This is unethical and caused me to lose 30+ point on my credit. After the eta wa a passed the contract became void and this card should not have been charged i reached out to the furniture company because its hard to get in contact with a representative at both places I want this fixed the card was charged XX/XX/2022 XXXX
Product: Credit card or prepaid card

This is for commenity bank. I have a 0 % interest loan that needed to be paid by XX/XX/2022 to not incur back interest. Im unable to pay and can not reach the company. The back interest will probably come to XXXX dollars and should not have to be paid since I went to payoff the correct amount at the correct time and was not able to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint on 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 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 or resolution under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Dear, XXXX XXXX Yesterday XX/XX/2018 when I talked to the Customercare dept- about being contacted my Sunrise credit services inc out of XXXX there phone # that called me XXXX The gentleman at XXXX sent me a copy of the issues in dispute- it didn't match up what Sunrise credit services inc told me on the phone - however we were able to resolve and I have a {$0.00} Balance due- I am requesting a copy of the last statement with a {$0.00} Balance due with XXXX to be sent to my email to show this with my records. for future calls from Sunrise credit services inc or any other Collection company that think they have a right to steel money from me or any other person. 

Again Thank you for your help to resolve this issues ; XXXX.
Product: Credit card

XX/XX/2023 I be charge in my CC {$110.00} from company I do not received product Synchrony Bank, provider Sam 's Club Mastercard reject my complain.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
Product: Credit reporting or other personal consumer reports

To remove the following that are fraudulent inquiries : One Main XXXX XXXX ( XXXX ) XXXX Every one of these inquiries are from a couple of years ago already not 2024. They keep reoccurring on my XXXX account as hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Pentagon Fcu I didnt authorize that Dispute XXXX XXXX  I didnt authorized it
Product: Debt collection

I have filed a complaint with XXXX and called and made a compliant - filed disputes with both. In 2016 I was heavily in an XXXX. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the outstanding XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX and Ive been XXXX and in XXXX since. 

I have called and explained the situation to both XXXX and CMRE, which I was told by both there would be an internal investigation. I did ask CMRE for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX and XXXX CMRE was removed. So it seems its more of an XXXX issue resolving my disputes. 

I have not had a doctors appointment in years, even to date- almost 3years XXXX XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a apple credit card. I received it in the mail and put it in my drawer. I did not activate the card and i wasn't planing on using it untill i had paid some others down. A couple months go by and i look at my credit report and find out that i have a late mark for not paying apple on time. I was supprised to find out apple put a digital version of the card next to the apple pay card in my digital wallet I used it thinking that it was apple pay not knowing that it was hooked up to my credit card. 
Apple says that they had sent me billing well it got buried in emails and I didn't go looking for it because i had not activated my card yet i wasn't expecting a bill from apple. I have disputed this and they confirmed the reporting 2 times This is my only late mark on my credit but at the time i had a couple maxed out cards so with this i looked like a credit risk whiched caused XXXX XXXX XXXX to cancel my oldest credit card with the large limit changing my % of credit being used and the length of my credit history. This has cause a snow ball effect and had made things very hard for me
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize. On Equifax there is XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023 and on XXXX there is XXXX  XX/XX/2023, XXXX XX/XX/2023. I have notified both agencies and nothing has been done about this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XXXX XXXX XXXXXX/XX/year>, I mailed a dispute letter to Equifax via certified mail ( tracking XXXX XXXXXXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address Despite providing all the necessary documentation, I did not receive any response or investigation results from Equifax. Subsequently, I sent another dispute letter to Equifax dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Equifax with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my disputes. 

I am including a copy of the dispute letters I sent to Equifax to support my claim.
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. 
XXXXXXXX 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, has violated my rights. 


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, credit repair services, or other personal consumer reports

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I recently noticed the presence of fraudulent accounts on my credit reports. These accounts are damaging my financial situation and negatively affecting my ability to obtain new credit. 

I respectfully request your assistance in investigating and removing these fraudulent accounts from my credit reports as soon as possible. Correcting this situation is crucial for restoring my financial health and preventing future issues. 

Thank you in advance for your attention and assistance in this matter.
Product: Debt collection

I had a issue with my ex wife in XX/XX/XXXX and we went thru a 4 year divorce and bills were handled in the divorce court and my ex wife 's bankruptcy. Now XX/XX/XXXX I am getting these calls from Dynamic Recovery Solutions, and they will not listen and call me at work even when told not to, they call every morning at XXXX. XXXX XXXX is the Ops Manager, address of XXXX XXXX XXXX. XXXX South Carolina. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a member of the XXXX XXXX XXXXXXXX. Between XXXX and XXXX my identity was compromised and several accounts were fraudulently opened in my name. I have included the accounts below as well as attached the identity report from the Fair Trade Commission. I am requesting that Equifax immediately remove the following accounts below as they are impacting my credit negatively. 

. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX & XXXX ). XXXX XXXX XXXX
Product: Debt collection

I sent a letter to XXXX asking for : 1. Validation of the debt-that is, the actual accounting. 

However, according to 15 usc 1692e, is usc 1692d, and 15 usc 1692B.

Not use any language or symbol or any envelope or in the contents of any communication effected. By the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt