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

After reviewing my credit profile on XX/XX/XXXX. I identified a discrepancy with account listed under XXXX XXXX and validation was request as this was an account that I did not recognize.I recieve a billing that look like someone just created it. They didnt provide me with the accurate paperwork. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received the correct correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out. After reviewing credit report again there has not been any updates and this account is still reflecting on the report. This creditor is keep re aging this account so the statute of limitations can start over which is a violation of my rights. Please delete this account from my credit report for being false reported.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally file a complaint regarding an unfulfilled service and a pending refund related to a transaction I made for a birthday beach dinner celebration for XXXX in the XXXX. I paid over {$2000.00} for this service, which included a private beach dinner ( {$1600.00} ) and a saxophonist performance ( {$440.00} ). Unfortunately, the hotel where I booked the experience canceled the event due to unforeseen circumstances, though they never provided a specific reason for the cancellation. 

At the time of cancellation, the hotel assured me that I would receive a full refund within XXXX business days. However, despite their promise, I have yet to receive the refund. I have made multiple attempts to contact the hotel to resolve this matter, but I have either been ignored or given vague responses with no concrete resolution. 

To recover my funds, I submitted a dispute with Navy Federal Credit Union. However, I am feeling discouraged because, in the past, they have tended to invalidate my claims. I dont know if this is due to discrimination based on my skin color, but I have had troubling experiences with them before, where legitimate disputes were not taken seriously. I am hoping they handle this claim properly, as this situation has caused unnecessary stress and financial inconvenience.

I am requesting the CFPBs assistance in ensuring that I receive the refund I am owed for a service that was never provided. I have attached copies of my payment receipt, my correspondence with the hotel, and any other relevant documentation to support my claim. Please let me know if additional information is required. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family of XXXX and I had a land contract scam and must purchase a home by XXXX XXXX. I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying XXXX XXXX on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing FIVE late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. XXXX now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid XXXX twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on XXXX XXXX points and XXXX, Transunion has STILL not shown these updates! I feel as if XXXX lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on TransUnion, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need transunion or XXXX to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and XXXX XXXX
Product: Debt collection

The XXXX XXXX. Trying to collect XXXX for carpet damage. They already kept my {$400.00} deposit. I lived there ( XXXX XXXX  XXXX XXXX XXXX XXXX ) for XXXX  years which carpet should be replaced. 
Most all apartments would replace this after someone lives there for this many years. 
Deposits are made to cover damages. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I went to XXXX in XXXX XXXX. XXXX location to be exact. After the for profit school manipulated me on getting a XXXX XXXX degree and promised employment soon after graduation. I shortly realized it was a lie. Now I 'm stuck with this huge federal loan, while all of the XXXX closed down due to a lawsuit. Now I 'm trying to plea with navient that my college closed down, and that the degree is useless / not creditable. They did not care at all and forced me to pay Make payment on my loan that has high interest. I need help to resolve this XXXX. I emailed my complaint to XXXXXXXXXXXX for help. Hopefully they can discharge my loan because my degree is worthless and because my for profit college lost a lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX Retaliated for disputing an account that has already been removed for fraud. Account has irregular reporting history, does not belong to me and has already been removed for fraud.
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. Cash App specifically failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, the dispute resolution process was unfair and deceptive, as cash App did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. This has caused inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and a couples were made in my name due to wallet stolen and XXXX credit breach. I submitted all the information to show it was on there and they needed to be removed. XXXX said it was removed but it was still showing on my credit report. Also showing on Transunion.
Product: Checking or savings account

I had frost checking account before, but I went back to XXXX few months ago and when i got back i found out i am unable to login to my frost online banking and i went into branch and found out my account has been compromised by another person and that person tried to mobile deposit a check into my account, but that check didn't went through and frost bank decided ended business relationship with me when i wasn't the one who did that and now i can't open a new checking account with frost bank
Product: Mortgage

I had a loan from INDYMAC BANK, and have been paying on time since then. In XXXX, Ocwen Loan Services , LLC took over as my loan service ( r ). I was XXXX around this time, and once Ocwen took over, they 've been sending letters stating if I dont provide payment or payment receipt they will foreclose. I send them supporting documents, then they send me another letter stating that some other payments are " missing ''. I fax them those thinking ill be done and everything will be fine. Its been 4 years, I send them proof of payment, they come up with other random days they want proof of payment for. Fast Forward to today, OCWEN stopped accepting my mortgage payment as of XXXX XXXX stating that they cant accept partial payment when I " owe '' for months that I have proof of payment, and if i dont come up with those payments they will foreclose on my home. I am FIGHTING XXXX and FIGHTING OCWEN, im old, im tired, im ILL. Every time I send them three or four payment receipts, they send me a letter stating they received the proof of payments however there are more that are missing. We 've been doing this since XXXX, and its gotten more and more frequent the past year, im speaking to them every 3 weeks now trying to resolve this matter, but every time they get my proof of payments, they come up with other random days they need. As of right now, OCWEN is asking for payment receipts from XXXX, mind you, OCWEN came in the picture in XXXX. They keep playing these games with me and are threatening to Foreclose on my home.
Product: Credit card or prepaid card

Account number ending in : XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Your response is nothing but a simple dodge. 
The recent credit report provided, has history before XX/XX/XXXX. So, saying the provided credit report is to recent is nothing more than ploy. I wonder what ridiculous excuse you'll come up with next to avoid correcting your mistake. So therefore, I request you ask your Underwriter the exact documentation needed for me to overturn this. So, you and XXXX XXXX XXXX, can stop wasting time. Let me remind you it was your Boss who said Wells Fargo Bank, N.A. Credit Card Services will consider overturning this if I can prove nothing adverse was being reported around the time you did your review. Even though, I have already done that. Attached is a credit report dated XX/XX/XXXX. It's closer to the date you did your review and it also has history prior to the date you did your review, needless to say still pointless. However, you'll find that all adverse accounts are closed and that all closed adverse accounts are dated closed in XXXX ; and nothing adverse reported leading up to or in the month of your stated XX/XX/XXXX review. So again you'll find that nothing adverse was reported in order for you to reduce my credit line. So clearly something else is going on. 
Moreover, you failed to answers my questions in the last CFPB complaint. So I will itemize those questions so you can focus on what needs to be addressed : 1. Where is the adverse information on my credit report that lead you to your decision?

2. How did I pass all other previous reviews? 
My whole argument is, you have/there is no " information previously reviewed, '' in XX/XX/XXXX. I have proven this doesn't exists. Sadly Wells Fargo Bank, N.A. is protecting the real reason for their decision to reduce my credit line. By saying its proprietary information. Question? How am I suppose to correct or refute the information you say you have if you won't share the information. Furthermore, I have proven that there was no adverse action prior to your XX/XX/XXXX review. 
So sticking to your decision as a reply puts this in an never ending refusal that I can't overcome nor be a party too. 
Waiting on me to correct information you have, that really doesn't exists seems convenient for Wells Fargo Bank, N. A. to do what ever they want to anyone that may pose a red flag according to your policies on credit card activity. 
That being said, your reasons for reducing my credit line has nothing to do with my credit history, and everything to do with protecting Wells Fargo Bank, N.A. Credit Card Services internal policies by giving the consumer a false narrative. 
This conduct is likely unlawful.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Checking or savings account

On the XXXX of XXXX, I deposit a check for {$330.00} into my XXXX XXXX  checking account from another institution ( XXXX XXXX ) through the ATM, on the XXXX of XXXX I received the check as a returned item ( the check was returned for NSF ) the same day XXXX XXXX  took the funds of {$330.00} from my checking account to cover the returned item deposit. On the XXXX of XXXX XXXX XXXX  withdrawal again another {$330.00} from my checking account for the same returned check of the XXXX of XXXX. On the XXXX of XXXX, I contact XXXX XXXX  and inform them of both withdrawals and it should have been only one withdrawal. The customer svc rep files a paper credit adjustment and inform me that in two business days, I will see the credit in my account. On the XXXX of XXXX, I contacted XXXX XXXX  again questioning why the credit is still not showing they inform me by the end of the business day I would see it in my account. On the XXXX of XXXX, no credit was yet in the account and I contact XXXX XXXX  again, they are stating the department that review these transactions had no answers, and they will forward this to the manager dept. They also inform me a manager will contact me as of today XX/XX/XXXX no one has contacted me back and I call again and no answer and no credit on my account. I have been waiting for this money to pay my XXXX rent. Please help me! I m not getting no answers from the bank and no money back. Your help will be appreciate it!
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who Bhas posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Credit reporting or other personal consumer reports

Contacted XXXX, Equifax, and XXXX  on numerous occasions requesting that all inaccurate information could be removed. Company has ignored request. I am asking Please correct addresses reported for they are inaccurate and should not be on my report.
Product: Mortgage

I purchased my home on XXXX XXXX, 2015. My first payment was scheduled for XXXX/XXXX/15 to be made to Primary XXXX Mortgage in the amount of {$890.00}. The first payment was deducted from my bank account on XXXX/XXXX/15 in the amount of {$900.00}. The second payment was made to the same servicer via a cashier 's check on XXXX/XXXX/15 in the amount of {$890.00}. 

I was notified in XXXX that my account was going to be service transferred to XXXX XXXX XXXX XXXX XXXX mortgage ) and the payment for XXXX/XXXX/15 was to be made to them. The account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX as current, due for XXXX/XXXX/15. The XXXX payment was processed on XXXX/XXXX/15. The XXXX payment was also sent to XXXX and processed on XXXX/XXXX/15. I received a letter from XXXX XXXX XXXX at the end of XXXX advising that my XXXX payment had not been received. I called and spoke to an agent who advised that I must sent in proof of payment. The proof of payment was faxed on XXXX/XXXX/15. On XXXX/XXXX/15, I received a call from the servicer advising that they completed research and determined that all payments were posted accurately and the account was still delinquent. I spoke to a supervisor who advised that at the time of service transfer, the account was 30 days delinquent and due for XXXX/XXXX/15. 

I sent in an additional proof of payment for all XXXX payments, including a screenshot of my transaction history on XXXX/XXXX/15. I have called every other day since then and have yet to receive a response. My last conversation was on Monday, XXXX/XXXX/15, in which the agent advised that they are trying to get a hold of CHFA to see what happened. As they answered the phone as XXXX loan servicing, I was under the impression that they were doing the research. It has been almost 30 days and I have yet to receive a response. 

Additionally, on top of the dispute, I am currently accruing late charges and negative reporting to my credit. 

I would like to have this issue resolved as soon as possible as it has been over 35 days since the first dispute was sent in.
Product: Checking or savings account

3 weeks prior to XX/XX/2021, Capital One has locked my online access. I have contacted Capital One 10 times, totaling 10 hours to resolve the matter. I have provided my social security card, my state issued ID, and I have written letters to Capital One, per their requests. My name is XXXX XXXX. I also go by XXXX XXXX. My phone number is XXXX. Capital One has for 3 weeks now asked me to wait a few days each time I have called them, to allow the account to update ; I would then have access. I have asked for their legal departments information, but I have received only a correspondence address. My issue goes far beyond general correspondence! I have not received letter with an apology from Capital One. I have bot received calls from Capital One apologizing for the situation. I am tired. I am truly tired. I have done everything Capital One has asked me to do, and I am past stressed.
Product: Credit reporting, credit repair services, 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, and Equifax is reporting inaccurate info. My Name is XXXX XXXX. XXXX : XX/XX/1993 My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My employer is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly been mailing disputes to Experian regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Dear CFPB, I am writing to file a formal complaint against TransUnion and XXXX for their persistent failure to correct inaccurate information on my credit report, despite multiple attempts to dispute these errors. I believe their actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, 15 USC 1666b, and 15 USC 1601. 

Account Name : Global Lending Services Account number : XXXX The inaccurate information includes : Incorrect Account Status : The account is incorrectly listed as " Closed '' and " In Repossession. '' The correct status is " Voluntary Surrender. '' Inaccurate Payment History : The payment history is inaccurate, showing numerous late payments. This information is incorrect and misleading. 

These inaccuracies are in violation of the FCRA, as they are both incomplete and inaccurate. 

The FCRA requires credit bureaus to maintain accurate and complete information in consumer reports. Additionally, the failure to investigate and correct these errors within a reasonable timeframe is a violation of 15 USC 1666b and 15 USC 1601. 

I have previously submitted disputes to both TransUnion and XXXX on XX/XX/2024 with complaint file reference numbers : TransUnion : XXXX/ also on XX/XX/2024 complaint number : XXXX XXXX : XXXX/ XXXX on XX/XX/2024 complaint number : XXXX / XX/XX/2024 complaint number : XXXX Despite these previous attempts, the inaccurate information persists on my credit report. This ongoing failure to investigate and correct these errors is a clear violation of the FCRA. 

I request that the CFPB investigate this matter and take appropriate action against TransUnion and XXXX for their repeated violations of the FCRA. I expect a timely resolution to this issue within 15 business days.

I am available to provide any additional information as needed. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX