23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per Experian, XXXX XXXX XXXX XXXX was updated from our processing of your dispute in XX/XX/XXXX ; but NO validation was completed. 
Request for update and deletion were requested XX/XX/XXXX, and XX/XX/XXXX. 
Account was paid with original creditor XXXX in the amount of {$710.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6500.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$3400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit card or prepaid card

I have 2credit cards that i enrolled in XXXX XXXX an extra safe back up if I was having difficulty making payments on my cards. I paided an additional monthly fee on the cards for this feature. I attempted to contact XXXX  or XXXX and credit cards about my issue no one will help me and I can not get in touch with any one at XXXX. the credit cards are with XXXX and Victoria secrete and are both managed by Comenity. my cards are now in default and reported on my credit report.
Product: Mortgage

I received the Florida Hardest Hit assistance in XXXX XXXX and FHH paid my mortgage comany XXXX partial arrears of XXXX and my monthly mortgage for one year until XXXX XXXX. During this peroid I have been unable to work out a plan to resolve the outstanding arrears of {$8800.00}. I am now able to pay the monthly payment and resolve the arrears within one year. Bayview/XXXX failed to dismiss my foreclosure proceedings and have not moved to reschedule the hearing for XXXX XXXX. This foreclosure proceedings should have been dismissed upon receipt of funds from FHH. In sum, Bayview/XXXX have received approximately XXXX during the last year and are still moving forward with foreclosure proceedings. These actions are not consistent with the FHH program and fail to demonstrate good faith or the intent of the FHH program. In addition, I provided quarterly reports to my FHH agent detailing my inability to resolve outstanding issues with the mortgage company. Documents detailing my efforts can be provided upon request.
Product: Money transfer, virtual currency, or money service

XX/XX/18 XXXX XXXX XXXX IL : I was paying for tickets tonight ( {$220.00} ) from a guy I met on XXXX and it all seemed very legit. I used XXXX through my Wells Fargo bank app. I figured it was completely secure and Wells Fargo could solve anything if a problem arose. The guy was a scam so I immediately contacted Wells Fargo and apparently they could do absolutely nothing. That is crazy that a huge bank institution could advertise a company like XXXX but it not even be secure. It makes me want to switch banks! There needs to be warning signs or they should stop working with them! I hoped my bank could do more to help me because we have been with them for years and do a ton of business with them!
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX  {$390.00} XXXX XXXX,2021 I have never had an account or credit card with this bank. I have a statement from all my bureaus stating that I have been a victim of identity theft and that I am to be called if anyone tries to apply for credit. I never received any phone calls and have been trying to get this removed from my credit. No letters have been sent, and I only found out due to applying for a home mortgage. I will be sending out another letter requesting this company to please remove this from my bureau within 30 days or send me all the information regarding this account.
Product: Credit card or prepaid card

CFPB COMPLAINT # XXXX ALL INFO IS THERE. YOUR RESPONSE IS A COMPLETE AND TOTAL LIE.

YOU ADVISED ME THAT IF I DO NOT OPEN A XXXX   XXXX ACCOUNT MY CARD WOULD BE CLOSED THIS IS TRUE.

THE LIE IS I HAVE ONE OPEN FOR A WHILE ALREADY.

I CALLED XXXX XXXX AND THEY BLAME ON YOU AND YOU BLAME ON THEM ... .SOUNDS LIKE 2 KIDS ... ...

SEE ATTACHMENT ... .STRANGE IF I HAD NO ACCOUNT ... ...

DEAR AMEX, TIME TO ADMIT YOU ARE WRONG HERE AND FIX THE ISSUE AND COMPENSATE OR I WILL TAKE ACTION.
Product: Mortgage

I have money in my escrow account at Mr Cooper they work with a company called XXXX they do all the escrow payments problem is no one can reach them by phone and only people from Mr. Cooper can type them a message and wait for a response sometimes it takes hours sometimes days they received bills for my taxes that were due on the bottom of the bills and tells you if its escrow or its non-escrow. In any case XXXX took the money out of my escrow and pay the sewer bill that I already paid because its my responsibility and not theirs. I was very disheartening to find out that weve got eight weeks to wait for them to correct the problem and put my money back in my account Ive made 15 attempts to get them to move it in faster and then Ive signed papers to try and do my own escrow myself because I never wan na deal with this again Ive always handled my own taxes and insurance without escrow. I will be sending you pictures of the Mr Cooper bill for my taxes so you can clearly see what was taken out and sedate I do not have it back in my account since mid XX/XX/2023 were in XXXX the middle of it right now. I dont want somebody holding onto my money and earning interest on it well I have to sit and wait for the end up back into my account if I wasnt on top of things Id forget about that and not go into it also XXXX XXXX app is not accurate when you go into looking at your escrow amounts and your mortgage payments its very confusing and they dont show where the money was taken out yet I got a bill that it was taken out I also have a friend that runs the tax office in XXXX CT and she asked me why I paid it twice thats what tipped to be off!! not Mr Cooper not XXXX and that strange how they werent going to tell me what they did with my account. I dont like it its unethical I dont trust them and I dont want their hands in my escrow account anymore I need help with this. Mr Cooper and employees do not seem to see the urgency and putting money back after they made a mistake and it wasnt mine.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
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 consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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 customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMCB is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMCB the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, JPMCB whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX and it covers any xrays. This is a bill is for an X-ray that I know my insurance covered
Product: Student loan

Hi, I contacted you in XXXX about my student loans and now it seems like since I contacted you, my student loans balance has gone down somewhat, which further lets me know AES has been taking my money for over 10 years and not applying my payments to my loans. My name is XXXX and I consolidated my student loans with XXXX XXXX in XXXX and it appears my loan was sold to XXXX XXXX XXXX who changed their name to American Education Services. This company has had many complaints over the years and they are continuously taking advantage of customers. I cant even target my payments to specific loans. My original loan amounts are as follows : 1. Beginning balance XXXX} ( sub ) Current balance XXXX  2. Beginning balance {$1900.00} ( unsub ) Current balance $ XXXX} 3. Beginning balance {$XXXX ( sub ) Current balance {$12000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$11000.00} Totol due as of XX/XX/XXXX {$27000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$27000.00}?? Something is wrong!!! Since XXXX, my payments were between $ XXXX {$200.00} and as of XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy and not doctored up documents. 
Would you be able to assist me? 
Here is the contact information I have for AES : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian because fraudulent accounts were added to my credit report due to identity theft. I submitted a police report, an FTC identity theft report, and other proof showing that these accounts dont belong to me. 

Despite having all the evidence they need, Experian still hasnt removed the fraudulent accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ), they are required to properly investigate and fix errors within 30 days, but they are failing to do that. 

I also want to point out that the CFPB recently sued Experian for the exact same thingfor failing to properly investigate disputes, reinserting incorrect information, and violating the FCRA. This proves Experian has a pattern of ignoring consumers and breaking the law. ( CFPB Lawsuit Against Experian )
Product: Debt collection

Hello, I am reaching out once again regarding my debt. This is in response to the non-response I received regarding CFPB case : XXXX. Please send me in writing the amounts I owe for the TWO amounts showing on my credit reports. Responding " we sent this already '' is unacceptable customer service as I would not be reaching out to you if I had received the information before. You can attach it to the CFPB response as a PDF, please. 

I need you to show 1. ) The amounts owed of {$1700.00} AND {$250.00} 2. ) The dates that these amounts were accrued 3. ) The procedures completed for these two debts 4. ) The discount provided for being uninsured. 

I have another collector attempting to collect on a medical debt and require this paperwork to compare the information. 

Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX  for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( XXXX in XXXX of XXXX XXXX ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX  has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
2. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
3. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX. 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX  XXXX including formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX After one year, after two incidents of identity theft/fraud, unemployment, and a financial crisis, I was unable to maintain a excellent credit ratingwith XXXXXXXX XXXX XXXX. I informed XXXX XXXXXXXX XXXX and sent XXXXXXXX XXXX XXXX XXXXXXXX a letter in XXXX, XXXX and I received a response letter from XXXX on XX/XX/XXXX which was unacceptable. XXXXXXXX XXXX response to my letter to close my credit account had no regard to the identity theft/fraud which occurred on my account ( began XX/XX/XXXX ) after I had pre-scheduled payments to settle/payoff my XXXX credit card. 

More importantly, I have tried through numerous phone calls to Department Store XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX to pay-off/close the XXXX credit card account by requesting another settlement offer in lieu of the previous settlement offer that failed, no fault of my own. NO RESOLUTION. 

Further, I am a XXXX senior citizen on a fixed monthly income, I requested if XXXX would consider another settlement offer of less than the full balance, excluding interest and fees that had been charged to my credit card account. Listed below are the complaints I filed with the New York XXXX XXXX XXXX which has been unsuccessful in resolving this matter. I have not spoken with the New York XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX, Telephone : ( XXXX ) XXXX, XXXX since I filed the complaints. I have received these email correspondence from XXXX XXXX. I can forward/fax a copy of these emails separately ( provide me your email/fax number ) because I am not able to upload these emails as attachments to include in my complaint. 

Dates : Time : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Because of this exisiting delinquent XXXX credit account with no resolution to settle it, my excellent credit report ratings ( opening the account XXXX ) and Fica scores from all three bureaus XXXX, XXXX, and XXXX are extremely poor ... .continuous XXXX unfit for me to apply/receive future credit.
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 # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

on XX/XX/21 i file a Apply for XXXX credit card so i can get discount on buying something ..it wasn't in till i fill out all questions and and 2 days before i had unlocked my 3 credit union accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and send App in online for credit check that when i found out that XXXX Mask who XXXX was Apply too i just fill out was Chase Bank XXXX XXXX i call up and try fix any question they had about App and they claim they can't conform my phone number with XXXX  that who they take credit scores from. 
So i call XXXX  over phone She said that was total Lie because got all info was giving to them and bank have ways get that info .. they lied about credit check and calling my phone number, Chase bank they like had all 3 credit unions have ALL my info even my phone work .money saving and checking accounts ..sound like people working from home screw up. and Not own up to it .its XX/XX/21 i still have Not got letter from Chase bank why did this, or follow throw, or XXXX didn't inform me before i applied and removing a review and wouldn't re-post warning others online I LOST XXXX POINTS ON MY CREDIT SCORE because these morons games and someone going pay 1 Masking who applying to ,2, never giving a right fair credit 3 informing wrong info to credit unions
Product: Credit card or prepaid card

I have been doing a lot of back and forth communication with this company Card Benefit Services which are the representatives of Wells Fargo insurance claims. XXXX Wednesday, XXXX XXXX. I spoke with a representative named XXXX that seemed to understand what is going on, the call was recorded on their side and the number I used to contact was XXXX. 

I was denied compensation due to the following " The Cellular Telephone Protection Program does not cover items which have cosmetic damage or damage that does not impact the item 's ability to make or receive phone calls. '' The phone that I sent into them, does not function at all due to internal issues. It will not turn on and is non-operation. I called in to get clarification as to why they do n't cover my claim. They said it was due to the fact that they do n't cover internal/mechanical damage. 

If you take a look at the documentation I have uploaded, this is what I sent them as a rebuttal for their denial of insurance this might show a better understanding of what the situation in. 

I have called Wells Fargo for assistance on this issue, and they refused to help they stated they could n't do anything since the card was under XXXX XXXX Basically, I was denied a claim for an invalid reason. Wells Fargo insurance stipulates one thing, while Card Benefits Services claims that they follow different insurance. I have provided documentation under which I have cellular insurance provided from Wells Fargo. 

If this is n't the right agency to deal with this, could you forward this to the right agency? I just want this claimed resolved, and want it on the record that Card Benefit Services falsely denied me on a claim, and is n't following their policy. 

Case ID : XXXX XXXX
Product: Mortgage

Payments take long to process, my issue is I will submit a payment on a Wednesday or thursday, and it won't process and even leave my bank account until a week later on wednesday or thursday. 

Monday i already feel like It should be processed and have daily expenses, bills, etc. Sometimes I move my funds around accounts as I do different businesses and they have different needs and the payment won't go through as I was short like {$50.00} or something tiny. What bothers me is how long it takes to process, and It affects every other bill as they all have different due dates. The worst thing about it is once I had no idea from a payment on the XXXX until around the XXXX close to the XXXX so I had to make double payments by the XXXX as It took them so long to even find out it never went in and messed me up, and charged me a late fee. If i would have known on the XXXX, or XXXX I would have been okay. 

The XXXX is when they charge late fees and they never inform if it doesn't process and take forever to accept money. Why is it so hard to take my money from my bank? Absolutely ridiculous. I went past 30 days by 1 day because of this, and I hope it doesn't affect my credit.