23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have two issues to complain about - 1. In early XXXX I requested a refund of my payments for XXXX and XXXX. Because I wasn't given my loan bill in an adequate amount of time as required by law, I was placed in a forbearance. I called MOHELA and I was told that they would be refunded. On XX/XX/XXXX I received one payment but I am due one more. I would like that payment immediately to be credited to me. 

2. On XX/XX/XXXX I submitted my final XXXX XXXX via XXXX. My employer filled this out quickly and it is listed as completed and sent to servicer within one day, but it hasn't been reflected. I requested a forbearance while MOHELA completes my loan forgiveness and that so far, has also not been applied. The timeline is such that a payment will be due in XXXX because of the slow service provided to me- which will likely affect my credit score. 

I have called, and not gotten answers, the wait time for any call is XXXX. I have used the secure message feature, and I have NEVER had a message replied to. I feel service this poor can only be intentional.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX ( XXXX )
Product: Credit card

The XXXX XXXX credit card was opened some where in XX/XX/year>. The card is serviced by comenityXXXX which is part of the Bread Financial. The statement & credit card was not received and late fees were charged in XXXX XXXX spoke to customer service and I was told that they will remove the late fee charge. I paid the balance on the account ( for product purchased ) without the late fees. The customer service lied on XX/XX/year> that they will remove the fees, they actually did not remove the fees. Now I am charged the late fees for the balance {$0.00} as they kept the late fees in the account. On top of it they started charging the late fees on top of the late fee which was not suppose to be there in the account. In such tough times for consumers, i can see who such companies are using predatory lending services to charge fees. 

I have called them again today and i was told they will remove the charge from my account after speaking to three different support level representatives. Previous 2 representatives said the company can not remove the charges BUT they can accept the payment! False information is given to the consumers by these representatives. I kept on asking to speak to their boss so someone can say the truth. FINALLY, the supervisor named XXXX ( employee ID XXXX ) said he will remove the charges and should reflect in 3-4 business days. I want to document this as I had spent several hours with follow up with them. I closed by account with them as I don't like to deal with companies that are trying to trick their customers.
Product: Credit card

I submitted complaint # XXXX against PNC Bank for wiping away $ XXXX of credit after I had paid the balances snd been a loyal customer of over 20 years. The person at PNC could offer no assistance instead relying on what an outdated credit report stated. I know that PNC had the ability to override that decision, but seem to be unwilling to do so. I explained I am on a fixed income snd depended on the credit for my living expenses. There was no sympathy whatsoever from PNC.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late open account and the unjust presence of a charge-off on my credit report. Despite my diligent efforts to rectify these issues, they persist, adversely affecting my creditworthiness and financial standing. 

A charge-off entry has been unjustly placed on my credit report. Despite providing evidence and documentation proving that this charge-off is erroneous, it remains, tarnishing my credit history and impeding my financial opportunities. 

I have made previous attempt to dispute and correct these inaccuracies, providing comprehensive documentation, including payment records and correspondence with creditors, to support my claims. However, despite my efforts, the credit reporting agency has failed to rectify these issues, causing undue hardship and frustration. 

Therefore, I request the following actions : Correction of the late open account to accurately reflect my payment history. 
Removal of the unjust charge-off from my credit report. 
Thorough investigation into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication regarding the steps taken to address my complaint and prevent similar inaccuracies in the future. 
I urge your agency to prioritize the swift resolution of these issues to restore the accuracy of my credit report and mitigate the adverse effects on my financial well-being. 

I expect a prompt and satisfactory resolution within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to correct or remove these accounts in my credit file : XXXX XXXX Balance : {$21000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXXXXXX Balance : {$19000.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

In XXXX, 2016, I submitted a complaint ( Complaint # XXXX ) to the Consumer Financial Protection Bureau ( CFPB ). The description of my complaint is shown in the CFPB documentation. 
The CFPB submitted my complaint to the mortgage underwriter ( Wells Fargo ) for review. As you might expect from an internal self-audit like this by Wells Fargo, their response was incomplete.I immediately disputed their response with the CFPB. 
Now I would like to proceed to the next level with my complaint, which would appear to be the US Department of Justice with whom these XXXX financial settlements were reached. Or perhaps the CFPB might recommend another approach to obtain an independent assessment of my complaint.
Product: Credit reporting

I disputed the validy of an account listed on my credit report as it 's not mine. I had fraud on my SSN as I had reported to the credit bureaus and they placed a fraud alert on my file. The credit bureau removed the account because it was never validated by the company. Then once the company got notification the account was deleted they reinserted it the same day without my 5 day notification. I disputed this information they sent me copies of medical bills for XXXX people I do n't know who they are. I then filed a complaint with the XXXX case ID XXXX and I just received an email stating that the case will remain unresolved because the company will not cooperate basically and the report will be on their XXXX file for 3 years. Again I state I do n't know anything about this account or people and I need it removed as it is hindering my credit worthiness. The company name is Capital Accounts LLC
Product: Student loan

I filed a complaint on Navient because I received an email about interest being added to my account during the time it's not supposed to be added and along with no payments. In XXXX my balance was less than it is reporting on my credit report now. They have added over {$2000.00} in interest from XXXX to XXXX. They aren't supposed to be doing that. Who else can I reach out to about this matter?
Product: Checking or savings account

I recently requested to close my account at TD Bank due to several issues with the bank. Even closing my account has been a true nightmare. To close the account I need a XXXX balance, and requested to transfer the funds to my XXXX account. The original transfer for the XXXX transfers below were returned due to a fraud warning on my TD account which returned the funds back to TD Bank. TD Bank then said they would refuse acceptance of the funds which were returned and send it back to XXXX. However, XXXX has confirmed MULTIPLE times and has provided all necessary documents and confirmations and even ran tracers across all their accounts, and do not have these funds below. I have tried reaching out to TD numerous times unsuccessfully. 

Nobody is able to assist and they keep gearing me to the branch they say it was transferred to XXXX but XXXX is saying they don't have it and nothing appears in my account. TD has not done anything to look into this further and just keeps putting the blame on XXXX. 

Ironically, XXXX confirmed via email this is happening for several customers using TD but it appears TD either doesn't care or not following their own process. They can not tell me where my money is at and it's not a low sum as you can see below. 

The below amounts were allegedly refused by TD Bank and allegedly sent back to XXXX. However, only XXXX can prove it's not in my account and I don't even have access my account at TD Bank. 

XX/XX/XXXX, Transfer {$6000.00} Transfer {$450.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies have a duty to conduct themselves with " fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer to whom this information pertains. I have the right to ensure that my personal information remains confidential, which is further supported by 15 U.S.C. 6801, stating, Congress affirms that each financial institution has an ongoing duty to respect the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal information. Early Warning Services is a financial institution as defined under this title. 

Per 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), " a consumer reporting agency may furnish a consumer report only under specific conditions : in accordance with the written instructions of the consumer to whom it relates. In this case, Early Warning Services, along with the consumer reporting agencies XXXX and XXXX, lacks my consent to report my information, as no written authorization from me exists. Therefore, I hereby revoke any prior consentwhether verbal, non-verbal, written, implied, or otherwisegranted to XXXX, XXXX, and Early Warning Services.

Furthermore, under 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of the right to opt out of such disclosure. At no point did Early Warning Services notify me of my right to opt out of this disclosure. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) specifies, " No consumer reporting agency may include any adverse item of information that predates the report by more than seven years, except as allowed under subsection ( b ). '' The account in question is an adverse item that has been reported without my authorization, contravening federal law.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is further stated, " No person shall furnish any information regarding a consumer to any consumer reporting agency if the person knows or has reasonable grounds to believe the information is inaccurate. '' Also, 15 U.S. Code 1681e mandates that each consumer reporting agency shall implement procedures to prevent violations of Section 1681c and to restrict the furnishing of consumer reports to the purposes enumerated under Section 1681b. It is evident that XXXX and XXXX have failed to maintain such reasonable procedures. Lastly, under 12 C.F.R. 1016.7, A consumer retains the right to opt out at any time. I am therefore opting out of these reporting services.

I am hereby opting out of Early Warning Services ' reporting services. Given the lack of response to my initial opt-out request, I demand immediate action to comply with federal regulations and uphold my consumer rights.
Product: Credit card

Sometime in 2020 I opened an Apple Card on my XXXX. For a period of about 2 months I attempted to make small minor purchases with the card and with my Apple Pay on my XXXX. Not one single purchase was ever completed as every single transaction was denied by the bank ( Apple Card/Goldman Sachs Bank ) . The card had a {$0.00} balance on it because it was unusable at the banks choosing. Shortly after receiving the card I contacted Goldman Sachs Bank to inquire on the issue with the transaction denials. They informed me my account was being closed and I would not be able to use the card. They informed me this decision was final. They informed me they will not provide me any other information. They informed me the account was closed. At this point in time the card was never used for any purchase and the balance was in fact {$0.00} and stated to be closed. 4 years later and Goldman Sachs bank is reporting my account as charged off for {$180.00} to XXXX. This is completely false and ridiculously negligent by both parties who I have informed directly of this issue countless times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX, Fraudulent accounts : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX OF XXXX XXXX XXXX : {$27000.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00}, and erroneous name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX I was approved for an XXXX XXXX co-branded credit card from Barclays. I pay an annual fee of {$490.00}. To this day, I have still not received most of the promised benefits that includes : - Gold status with XXXX- An email that allows me to receive up to {$500.00} off of up to 4 tickets - XXXX Bonus Miles ( after spending $ XXXX, which I did in first month ) The miles DO show up in my credit card account and the membership is showing as linked on the credit card website, but none of the benefits are showing on XXXX. I have contacted the Barclay team through their messaging site 4 times ( on XX/XX/XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX ) and have called and spent many hours trying to have this resolved and they continue to promise this will be resolved, but it is not. 

Often I am pointed to speak to XXXX, which I do, and they direct me back to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax implemented poor security in their IT infrastructure and exposed ALL my personal and identifiable information. I used the " Potential Impact '' link of equifaxsecurity2017.com and it said, " Based on the information provided, we believe that your personal information may have been impacted by this incident ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act cXXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent
Product: Debt collection

this company continues to call my cell number but i do not owe anyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

On-Site Manager c/o XXXX ran a credit inquiry without my consent. I reported it to Equifax and XXXX about the fraud, none of the two companies are willing to do anything nor can they supply proof that my identity was not stolen. XXXX has given up in helping and they are the ones that ran my credit. The address they used for the credit inquiry was also closed, so my information is being misused. I am requesting CFPB to send an inquiry about this. There are also other customers complaining about the same issue with them online, I would like to get some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for a Social Security Administration ( SSA ) My Account on line. Part of the application involves questions about my credit history to authenticate my identity. I answered all of the questions with " None of the Above '' because none of the credit items applied to me. I was not allowed to continue my application because the Social Security Administration reported to me that I " failed '' the authentication questions. 

I obtained a copy of my Credit Report and it is accurate. None of the credit items that were included in the credit history authentication appear on my Credit Report so that when I answered " None of the Above, '' I should have been approved for a SSA My Account. 

I telephoned Experian, the company responsible for generating the credit history questions. The agent said there was nothing she could do to make the questions relevant to my actual credit history.
Product: Debt collection

Turned the lease over a month early as the car didnt fit my needs as a mother of XXXX. I was told by the XXXX this was not a problem. I satisfied the lease in full. The first of XXXX payments was made at signing apparently this was not applied as XXXX stated. In addition to the missing payments they tacked on several more charges and an additional month of the lease. I contacted the dealer ship repeatedly as well as disputed this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft, etc previously resolved with local police, FTC & XXXX per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a complaint # XXXX with the CFPB against Experian for failing to provide certified proof of alleged XXXX XXXX XXXX # XXXX. In Exhibit B you will find a copy of the CFPB Complaint. 

The alleged account ( XXXX XXXX XXXX # XXXX ) listed in Exhibit D is invalid, inaccurate, and carry no documented evidence of its existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable inquiries on my credit report. 

On XXXX, I received Experian Report # XXXX. I carefully reviewed your response to my CFPB complaint in which you stated The Company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. A copy of Experian Report # XXXX attached in Exhibit C. 

Your response to my complaint did not provide me with any certified proof on how you verified the alleged XXXX XXXX XXXX  # XXXX. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

Experian has a duty to verify the information as XXXX accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact XXXX timely and accurate. 

Experian can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

Experians failure to provide this proof is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in your response to my complaint. ( Copied from attached Affidavit ) ****
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the  items and they still have not removed them. I filed an identity theft report and a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX HOSPITAL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to XXXX  and XXXX  concerning the following inquiries reflecting my credit report I did not approve and have no clue what they are for. In this process, XXXX  provides the same reply every time with not providing documentation of how or who they spoke with to verify the information. As for XXXX, they have responded back to either of my letter they received certified mail ( dating back to XX/XX/XXXX ). 

XXXX  provided address information for the inquires reflecting my report - the inquiries mailing address was returned to the sender and not received. I have enclosed a copy of the returned to the sender. As you reviewed in my previous dispute to the company XXXX  provided was incorrect - claim - XXXX due to the response from the company. How can this account be factual as mine when the Bureau even provided incorrect information? 

This company did not ask for my approval. This can not and have not provided my approval with my signature, e-signature, statement, or voice recording authorizing this inquiry request. Which is why I disputing the following inquiries. I am requesting the following inquiries be removed as soon as possible. 

I have uploaded attachments on miss leading information provided by XXXX  ( with an incorrect mailing address and company info ) along with documents of No Reply for over in 30 days by XXXX.
Product: Credit card or prepaid card

Yes I was an account holder with chase then my debit card got stollen I had XXXX in my account then I told chase about it they told me they cant give me a refund and I need my money back to pay my bills someone stole my debit card and withdrawal all my money.