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

ACCOUNTS : 1. XXXX XXXX XXXX XXXX 2.Credit XXXX XXXX XXXX 3 . XXXX XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX 1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

I did a loan modification with Loan Care previously. After XXXX XXXX, I reached out to the company due to me not being able to work for days due to the hurricane. I spoke with XXXX and advised him of the prior modification. He advised me that I had the option to do another one and sent out the paperwork and ended up providing me with misinformation. I spoke with several representatives before I finally received word from a representative that I didn't qualify for another one. Loan Care is terrible with communicating with customers because their team doesn't operate on the same page. One person tell you one thing someone else tells you another or pertinent information isn't disclosed. This is totally unacceptable. I sent several emails to XXXX and XXXX over a week ago and I still have not received a return call. The message I received was : Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from XXXXXXXX XXXX XXXX XXXX XXXX. Eastern time. We will provide you a response as quickly as possible. I also spoke with another member of management who was very rude and caused me to have an anxiety attack after our conversation and I am not happy with the way the call was handled. I explained to her that I knew after speaking with a representative at that time that I didn't qualify and she continued to say the same thing during the call and was terribly rude.
Product: Debt collection

XXXXXXXX XXXX call to the business- Representative made an attempt to transfer my call twice to two different managers and they both hung up when they thought the Representative completed the transfer. 
Sent two letters requesting information and the removal of the debt to XXXX, XXXX, XXXX, and Exeter. 

Request for Investigation, Removal of Erroneous Charge-Off, and Compensation from Exeter Finance The charge-off has been classified as a profit and loss write-off by Exeter Finance, which raises concern as it implies that the debt has been reported as a loss on the creditors books. According to the Fair Credit Reporting Act ( FCRA ) and Generally Accepted Accounting Principles ( GAAP ), creditors are required to accurately classify and report debts, which includes distinguishing between debt forgiveness and actual charge-offs for profit and loss purposes. However, this account appears to be incorrectly filed as a profit and loss event, which I believe constitutes an inaccurate reflection of my financial history. 



Notice of Right to Dispute Not Provided : Additionally, I did not receive notice of my right to dispute this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g. This notice, mandated by law, ensures consumers are aware of their rights to verify and dispute debt claims. The failure to provide this notice has denied me the opportunity to address potential inaccuracies with Exeter Finance promptly, further complicating this situation. 



Legal Background and Request for Compensation : Under Section 1692k of the FDCPA, a consumer may be entitled to damages resulting from a violation of the Act, including a failure to provide the required notice of the right to dispute. Furthermore, the FCRA ( 15 U.S.C. 1681n ) allows for statutory damages if a violation is proven to have been willful, such as the inaccurate reporting of my debt and Exeters misclassification.

I believe I am entitled to compensation due to the adverse impact of Exeter Finances actions on my credit score, financial standing, and peace of mind. In light of these circumstances, I respectfully request an investigation into Exeter Finances practices regarding this account, along with monetary compensation as outlined under the FDCPA and FCRA.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a brand new XXXX XXXX combo from XXXX  paid for it on my Capital One credit card. The package arrived opened. The box had the tape cut and the product had finger prints on it. I took pictures before installing the product. Once the product was installed and working, I used the internet it provided to contact XXXX about the product. XXXX sells the same product, but it is open box. XXXX asked for the photos of finger prints and then denied any credit. I immediately reported the transaction to Capital One and a dispute was opened. XXXX denied the dispute. XXXX reasoning behind the denial was due to not being contacted by the customer ( me ). Capital One requested proof. On XX/XX/2021, I submitted to Capital One email records and copies of photos of the finger printed product. Capital One again denied my transaction asking for a second opinion from a professional of similar stance as XXXX. 

I did not and do not authorize the purchase of an open box product from XXXX. 

This is class warfare. XXXX is a multi-national conglomerate. Who would be considered a similar company? No one has the size or reach. The only closest company would be XXXX, another massive online retailer. As a regular citizen, it would be practically impossible to obtain a second opinion of Walmart from their legal department on their letterhead. However the evidence produced by myself, the customer, clearly proves that XXXX did know about this problem and refused to remedy the issue. Capital one is taking sides. One can presume this is due to their financial business arrangement where Capital One offers a special XXXX Credit Card. XXXX pays capital one more than I do so both parties are ignoring my evidence and protecting each other. 

XXXX lied and is stealing money from me. Capital One is refusing to protect their customer from a transaction that was not authorized. I am being discriminated against due to my financial class.
Product: Checking or savings account

Received emails from Citizens Bank on XX/XX/2023 about a new Checking and Savings account opened in my name. I have never had an account with this bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> XXXXConsumer Financial Protection Bureau XXXX CFPB ) ** XXXX XXXX XXXX XXXX  XXXX D.C. XXXX **Re : Dispute Resolution - Removal of Unverifiable Account from XXXX XXXX XXXX Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$5300.00} XXXX XXXX  charge-off account from my XXXX secondary credit report. The account was deleted as a result of the investigation conducted on XX/XX/year>. 

It is my understanding that XXXX has verified the account as unverifiable and has accordingly removed it from my XXXX report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including XXXX, Experian, and XXXX. Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 

As a consumer, I am protected under the **Fair Credit Reporting Act ( FCRA ) **, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically **Section 1681i**, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 

I request that you take immediate action to remove the unverifiable {$5300.00} XXXX XXXX  charge-off from my credit report within **30 days** or less, as required by the **Fair Credit Reporting Act**. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action.

Furthermore, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report.

Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, **XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a PROTECTED CONSUMER. I know my rights. I sent this company a official statement letting them know that I was a victim of identity theft. there were to remove these fraudulent items 4 days after receiving my statement on XX/XX/2021, but these items are still on my credit report. I feel violated and there are FCRA LAWS in place to protect me against this abuse .I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that customer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the customers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. This account is an adverse item they ( Furnisher of info. to credit agencies ) are reporting again without my permission which is against the law. 15 U.S. Code subsection 1681s-2 ( A ) ( 1 ), 15 U.S. Code subsection 1681 e and 12 CFR subsection 1016.7.
Product: Credit reporting or other personal consumer reports

TransUnion has several credit inquiries that should not be on my credit report : - XXXX XXXX XXXX from XX/XX/year> Inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX XXXX and TransUnion, and neither has been able to provide any written or signed authorization. 

XXXX XXXX XXXX  from XX/XX/year> This inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX and TransUnion, and neither has been able to provide any written or signed authorization. 

XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/year> This inquiry was obtained without authorization. I have requested clarification from both XXXX XXXX and TransUnion, and neither has been able to provide any written or signed authorization.
Product: Checking or savings account

My direct deposit should have been in my account by XX/XX/year>. I havent not received my pay and the bank Capital one will not answer the phone to provide any information. When I call the number on the back of my card I am hung up on when asked for a representative.
Product: Checking or savings account

Late XXXX my debit card was stolen. Someone had withdrawn {$800.00} dollars from my checking account. When I noticed my card was gone I immediately reported my card stolen. I started an investigation cancelled my card, changed my pin and was issued a new card. I was mailed paperwork about my fraud claim that I completed and mailed back. US bank immediately transferred the funds to my account. About a week later they took {$800.00} out my account and told me that my claim was denied. I made several attempts to understand why my claim was denied and each time I spoke with someone I either got a different story or I was told that my call was sent to a manager and I would get a call. I have not spoken to anyone however they have on their notes that someone had tried to call me. In XXXX I spoke with someone again and I was told that my claim was sent to the wrong department and the video footage was never checked at the atm that my funds were stolen from. I was told that would happen and that I would be sent new paper work and that my claim was starting over since it was wrong the first time. I never got paper work and I never heard anything or received my funds. I have called several times since then and nothing. Now we are in XXXX I call again and I was told that the system automatically skipped my claim because I was already in the system and that I would get a call. I never did and this point that {$800.00} has set me back quite a bit because not only was {$800.00} taken but now {$1600.00} because they took the funds back. Since then I have been behind on all of my bills and the bank has not tried to help me at all. I am starting to feel like they are not going to help me. Every time I call I am just getting the run around and different stories about my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with your agency and the company, Experian, responded, but did not respond to the issue. After contacting XXXX and Experian to place Security Alerts and Security Freezes on the information they store on me, ( this request was made in response the the XXXX security breech ), Experian lowered my FICO score. There had been no change in my credit history other than my requests to the 2 credit bureaus. When I made my request to Experian, they responded that they would notify the other 2 credit bureaus. In my earlier complaint with your agency, Experian responded that they are unable to determine why my score would change because the algorithm they use is so complex. That is ridiculous. They could easily compare my credit data pre and post their change in the FICO score to determine identify any data that caused the FICO score change. My earlier complaint was not resolved and your agency closed it and indicated it was resolved. You closed it before even determining if it was addressed. You closed it in response to a canned response from the credit bureau. My earlier complaint is # XXXX. 
When I contacted your agency about my complaint by phone yesterday, I was told that 99 % of your cases are resolved. That means that the credit bureaus sent a response 99 % of the time. This does not mean that 99 % of the complaints filed with your agency were resolved.
Product: Credit card

On XX/XX/XXXX, I made an online payment to Costco Anywhere Visa credit card by Citibank. In the process, instead of intended payment amount of {$3200.00}, I mistakenly processed payment of {$32000.00}. I called Citibank and requested a refund, but Citibank has been extremely unreasonable. They tell me that it could take weeks for the fund to be cleared. The paying bank debited ( paid from ) my account immediately so I am puzzled by Citibank 's response. 12 days later, on XX/XX/XXXX, I called them again and after spending over an hour on the phone, one the Citibank managers confirmed that the {$32000.00} was cleared, and promised to expedite the refund request. Citibank could have contacted me sooner, and we could have called the issuing bank together much faster, but Citibank did not call me. On XX/XX/XXXX, I am told that the refund via ACH to the linked bank account has been approved. Right now is XXXX XXXX XXXX XXXX  on XXXX and Citibank has not yet posted debit transaction for refund in my credit card statement. Citibank constantly blames receiving bank, saying " it can take a few days to show refund '' when Citibank did not process the refund yet. The negative balance is {$24000.00} as of XXXX XXXX XXXX XXXX XXXX. I am beyond furious, and this practice is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received on my email that an inquiry was placed on several of my credit reports with XXXX, XXXX, and XXXX on XX/XX/2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. One main Financial placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.
Product: Student loan

I would like to file a complaint against Missouri Higher Education Loan Authority or MOHELA for not processing my application for Public Service loan forgiveness despite qualifying for the program and submitting the appropriate application ( s ). I have worked for a not-for-profit organization as a physician for over 10 years. I now qualify for federal loan forgiveness under the I have applied multiple times for the Public Service Loan Forgiveness ( PSLF ) program ( XXXX of the required XXXX payments ). Unfortunately, MOHELA has not been able to appropriately process my application ( s ). MOHELA has still not processed my application submitted XX/XX/XXXX, despite indicated this would take <90 days to process. I have contacted MOHELA on several occasions, but have not been able to make any progress. I was most recently in contacte with a MOHELA operator on XX/XX/XXXX and was provided with misinformation : the operator indicated that MOHELA does not accept digital signatures on the application. I pointed out to them that the Federal student aid website from the department of education indicates that : " How to Submit the PSLF Form A reminder about digital signatures : Digital signatures from you or your employer must be hand drawn ( from a signature pad, mouse, finger, or by taking a picture of a signature drawn on a piece of paper that you then scan and embed on the signature line of the PSLF form ) to be accepted. '' The signatures on the form meet this criteria. I am concerned about the length of time that it has taken to process my application, and that I technically qualify for loan forgiveness, but have encountered incompetence on the part of MOHELA staff resulting in their inability to process my application to clear my loan. I purposely chose to work for a not-for-profit for the past 10 years so that I could ultimately qualify for loan forgiveness under the PSLF program. I had the option of working for a private hospital group and making a much higher salary, but chose to pursue the PSLF route instead. Now that I have worked for a not-for-profit for XXXX years and qualify for loan forgiveness under the PSLF program, I find it demoralizing that MOHELA is not able to appropriately process my application in a reasonable amount of time, as per their duty.
Product: Debt collection

This debt was disputed and removed from my credit report approximately 5 years ago. It has reappeared on my credit report with incorrect information. It states the date of last activity was XX/XX/year> and the date the account was opened was XX/XX/year> which is deceptive and violates my right to the statue of limitation because the debt is over XXXX XXXX XXXX. Aargon Collection Agency has also violated 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. The unrightful reporting of this debt has resulted in financial set backs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have called and spoken to on many occassions. In XXXX of XXXX I called and was told my account payment due would be froze due to XXXX. On my credit report it is showing a late or missed payment for this month. It was always told to the previously loan holder XXXX XXXX as well who didnt fix it. I have tried dozens of times. Please remove this from all credit reports. I should have no missed payments on this. Correct it or face civil legal action. The company last we spoke said they would fix it this was on XX/XX/XXXX when we last spoke. The rep said she would put plenty of notes and agreed she say the previous notes from XXXX showing i called in but it wasnt processed right. Its impacted my credit ever since. Please remove it and provide me a hard copy mailed letter and pdf attachment as well showing removed and no late payments or missed payments ever on this account. Thank you. Please also supply me legal subpoenas mailing address for my demand letters and future attorney mailings.
Product: Vehicle loan or lease

I traded my XXXX XXXX to XXXX XXXX in Virginia. The dealer issued a payoff to Wells Fargo Dealer Services on XXXX/XXXX/XXXX, mailed it overnight on XXXX/XXXX/XXXX, and it was received by Wells Fargo on XXXX/XXXX/XXXX. Tracking information verified this through the dealer. I contacted Wells Fargo on XXXX/XXXX/XXXX to determine why my vehicle still does not show paid off. I provided tracking info with the address and the information. I was told there was nothing they could do and I needed to wait longer. I am already late on the payment now that was due on XXXX/XXXX/XXXX and the late fees will begin on XXXX/XXXX/XXXX. This loan should have shown as paid in full on time on XXXX/XXXX/XXXX. They also could have had a processing error, but the representative should have opened up a case or investigation to track down the funds. I have done all that I can do to prove that the payment is there, but they have n't processed it.
Product: Mortgage

We are now in US Bank THIRD attempt for them to correct mistakes they made on our deferral plan. I had filed a complaint with you in XXXX of XXXX  ( XXXX ) for this companys unfair business practices, but they denied any wrong doing. 
Now, after all this they are reporting XXXX XXXX payment as late to the Credit Agencies, which they claimed would not happen during the loan modification process. Mine and my Husbands Credit Scores were affected by XXXX points. 
Since all of this is US Banks mishandling of my account, I demand that this be removed from the credit agencies reports immediately!!