23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX a notice of settlement was received from XXXX XXXX XXXX advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX XXXX in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " AMEX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, Experian dispute results were received and there was an observation that on XX/XX/XXXX " AMERICAN EXPRESS 2 '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " AMEX ''. It should also be noted at time of inquiry neither " AMEX '' or " AMERICAN EXPRESS 2 '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from AMEX that stated " This account has been assigned to AMERICAN EXPRESS ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer credit report and was concerned to discover two instances of late payments on an account for which I have never been late. As you know, the accuracy of consumer credit reports is crucial for individuals ' financial well-being, and any inaccuracies can have significant consequences. 

The account in question is under the name : XXXX  XXXX with the account number : XXXX. I want to emphasize that I have a spotless record of timely payments for this account, and the reported late payments are entirely inaccurate. 

Therefore, I am formally requesting a thorough investigation into these discrepancies. I expect your agency to provide proof, in the form of statements or documentation, showing that these payments were indeed late. If such evidence can not be provided, I demand that these late payments be promptly corrected to reflect the accurate status of on-time payments. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

Thank you for your cooperation and understanding.
Product: Credit card or prepaid card

I was scammed by an online seller and SEARS insist I pay for something I received that was not as described. Now because I refuse to pay, SEARS calls me numerous times a day and they hang up on me most of the time when I answer.

Beware of this company, SEARS is harassing me, because they think it's easier to go after a long time loyal client than go after the scammer. I may also have to file a complaint with the FCC over their numerous phone hang ups.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, AP XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX.
Product: Credit reporting

Tried to save my house went to bankruptcy court and field. both times I went I asked the clerk should I come back they said no. it will be dismissed. Lost the house anyway but the bankruptcy stays on my report its killing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. Experian, XXXX  and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and Experian, XXXX, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Money transfer, virtual currency, or money service

XXXX and the banks failed " to protect consumers from widespread fraud on Americas most widely available peer-to-peer payment network, '' claiming XXXX was rushed to market " to compete against growing payment apps s without implementing effective consumer safeguards. ''
Product: Checking or savings account

I received a statement in the mail from BMO Harris in XXXX. I called immediately. Spoke to person who said account would be closed and details forwarded to their fraud department. I also filed a report with XXXX. I assumed everything was taken care of until I just received another statement and discovered there is also a checking account. I did not authorize either account. I have spent over 3 hours on hold and being transferred around trying to resolve this issue with the bank. I believe that the account may have been opened by an employee of BMO Harris fraudulently to gain incentives. 
Thank you for looking into this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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 or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my report dated XX/XX/year>, I have identified several discrepancies and accounts that I do not recognize. Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that you promptly investigate these items and either correct or remove them from my report.

The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, 15 U.S.C. 1681s-2 requires information providers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate. This regulation further obliges consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing, as they are either incomplete, inaccurate, or not mine : Accounts to be Investigated : XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Equifax : [ not listed ] XXXX : [ not listed XXXX XXXX : XXXX I request that you promptly investigate these inaccuracies and provide me with a written response outlining the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. Should you require any further information from me to assist in your investigation, please feel free to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.
Product: Credit reporting or other personal consumer reports

First nobody at this company speaks any English at all! Second they are rude & I have called over XXXX times and written over XXXX times to no avail. The company refuses to use my language and they refuse to provide me any information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.

These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

XXXX held my loan, I applied for deferred payment for several years and had requested information concerning forgiveness through my employment at a non profit hospital. XXXX refused to help and never disclosed the information about forgiveness through my employment. I applied for a VA loan with my veteran husband in XX/XX/2018. I was told I needed proof of my student loan repayment and was told to reapply for my income driven repayment plan. It was also suggested by my mortgage broker to apply for the nonprofit employment forgiveness program in which I did. I received a letter stating I was being processed for this program and assumed XXXX would contact me about further developments on my applications. I received emails from XXXX when my income driven application was received and when it was approved. I moved into my new home in XX/XX/2018. During my move I did not receive any further correspondence with XXXX. Then in XXXX I received a bill forwarded from my old address from XXXX. I had never heard of this company nor been notified about changes in my loan account. I called and spoke with a representative and questioned what was happening as I was sent a bill for an {$800.00} payment and a message that stated I missed the income driven repayment deadline. I was told XXXX sold my account and did not forward any income driven application or information of my application from XX/XX/2018. I have sent numerous emails and called XXXX. XXXX has not responded to any of my emails requesting they validate my application from XXXX so XXXX knows I applied then. My last phone conversation with a XXXX Representative I was told the {$800.00} bill would be removed from my billing and the new application was accepted with them for a {$120.00} payment. I received another email requesting the {$800.00} and a message stating my credit report would be marked negatively by this inability to pay the amount of the first bill they sent. I can not pay the {$800.00}. I have been treated unfairly by XXXX and XXXX. I will continue to persue help with this as I have done nothing wrong and been diligent in taking care to apply for income driven repayment as I am on a fixed budget. Please help me resolve this. I had XXXX  XXXX and was on FMLA from  XXXX XXXX XXXX and unable to fully deal with this stressful situation due to my medical issues. I would like to file a formal complaint against XXXX with student loan.gov for not informing me of the opportunity to apply for and receive forgiveness by working for a nonprofit hospital and not forwarding my application for income driven repayment I submitted to them XX/XX/2018. I need XXXX to correct my account and not make it out to be my fault Navient didnt send all my application information to XXXX.
Product: Mortgage

Select Portfolio Servicing, Inc, took over our mortgage in XXXX of 2023. We have been paying our mortgage for 14 years, and have never had an issue with our escrow. The second this company took over our mortgage, we have had nothing but issues. First they canceled our home owners Ins, because they didn't add carry them over from our previous mortgage lender. We resolved that. But all of a sudden, we received a letter stating that our escrow is short by {$21000.00}. This is insane. Before we left our previous lender, we had a positive escrow. We called this company, and all they said was read the analysis and it explains everything. Problem is, all it shows is a math equation. It doesn't explain how they came up with {$21000.00}. We have tried to have them explain, and no one can provide a reasonable answer. We have been on several consumer reporting sites, and select Portfolio repeatedly gets hit for charging people escrow shortages in the thousands without providing reason. This company is corrupt, and acting illegally. The company should be shutdown, and everyone should be arrested. Because of this shortage, come XXXX, our mortgage will go up by over XXXX, bringing it over XXXX. I absolutely can not afford a XXXX mortgage payment. Something needs to be done to stop this company from doing this to people.
Product: Checking or savings account

XXXX XXXX {$29.00} XXXX XXXX {$29.00} XXXX XXXX {$29.00} x XXXX Navy federal do not send notifications that you do not have insufficient funds. They just take the money you do have, making the account become in the negatives and charge you {$29.00}. I was charge {$29.00} twice in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with Experian and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that XXXX has put tons of hard inquiries collections on my XXXX XXXX and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score. 

Account Number : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent charges placed on my account merchant agreed items didnt belong to me provided me with a credit XXXX XXXX  told me no payment is due because of the on going investigation and the mark my credit 30 days late which has dropped my credit score 64 Points
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Goldman Sachs alerted me to unusual activity with my credit card. My apple iphone was hacked. My apple id was breached & my apple wallet & bank account app were compromised. I closed my apple credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX  i paid the balance in full. That account no longer exists. I also lost XXXX that was on my applepay account. Goldman sachs continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called goldman sachs at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX $ XXXX was fraudulently transferred via wire. I got a text from Capital One asking about it and immediately called them to say it was not an authorized transaction but was told it had already been sent. I've been told by Capital One that they issued a recall on the wire transfer at XXXX XXXX. This is somewhere between 1-2 hours after I called them. The money was transferred to XXXX in XXXX XXXX XXXX, UT. Routing # XXXX. The account that received the money is XXXX. Their phone number is XXXX. They have been completely unresponsive to the recall request from Capital One. I have called their member security team but they won't deal with me because the account there is not mine. On XXXX I told Cap One they needed to call them to discuss the situation. There wasn't any confirmation they would do that but they did send another recall request. 

I had another checking account defrauded via debit card on XX/XX/XXXX and my bank immediately returned the money while it was being investigated. Capital One will not return the money and have said if XXXX doesn't cooperate they won't. I immediately alerted them to a problem. It was a wire transfer that could easily have been held until they got my confirmation from the text THEY sent but they sent the wire anyhow. Now they are saying it's my problem and the money is lost! I have no control over XXXX but I can't believe they have the option to not cooperate with receiving stolen funds. I have filed a police and FBI report about this.
Product: Checking or savings account

Arvest bank doesnt let me have access to my account, they made me change the password more than XXXX times and I still not have access
Product: Checking or savings account

XX/XX/XXXX  The Consumer Financial Protection Bureau closed a complaint, CFPB # XXXX that is still pending. The bank has written that it is investigating the matter. See attached letter from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau keeps Showing a open account with XXXX which was paid in Full.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, at approximately XXXX XXXX XXXXXXXX XXXX I attempted to advance to myself online {$50.00} from my HELOC account ending in XXXX that was opened on around XX/XX/XXXX. The amount of the line of credit was {$180000.00}. At the time of opening, I was informed I would be able to draw on this account up to that amount at my request for a minimum of 10 years. However, my attempt to advance myself on the referenced date was denied even though there was XXXX dollar balance on the account and XXXX money owed. A pop-up window instructed me to call XXXX. Looking at the information on my account I saw on XX/XX/XXXX " Place Adv Block. '' I assumed I was being blocked from making advances and called the XXXX number to confirm. The first rep I got, XXXX, confirmed that I could not get an advance. I explained that I was just charged {$65.00} on XX/XX/XXXX for " LOC Annual Fee '' and told him if I was blocked from taking an advance then I demanded my {$65.00} Annual Fee returned and the account closed, since a new HELOC one can not draw on is worthless. And I was being charged for this worthless product. XXXX attempted to try to explain to me why this was the case and I cut him off and told him I didn't care the reason, just close the account and refund me. I called him a name, and he hung up the phone on me. I called back and this time got XXXX. She wouldn't give me her last name but did give me a company ID of XXXX. I told XXXX about my experience with XXXX and that I wanted a refund of the annual fee I had paid and to close the account. She put me on a brief hold and when she came back she told me I could only do this in writing but did not give me the address to send the written demand to. I asked her if there were any hidden charges I would incur. I asked her for a straightforward yes or no answer to a straightforward yes or no question. She hemmed and hawed and eventually said " I don't perceive any. '' I asked her to please answer yes, no or I don't know ( as I was short on time ) and she too then hung up the phone on me. I called back but got a message that the department was closed for the day. I want my {$65.00} returned, and this worthless HELOC closed. I spent about an hour dealing with this issue so I also want to get paid for my time. My rate is $ XXXX. That comes to a total of {$940.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX. Inquires : 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

There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.