23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

FedLoan notified me on XX/XX/XXXX that I needed to recertify my income for an income-driven repayment plan. I'm currently in an administrative forbearance provided by the CARES Act. I was unaware that the act delayed my recertification date by six months, and that I did not need to recertify my income. I went ahead and provided the requested information to FedLoan, resulting in an increase in my monthly payment. I asked that FedLoan cancel my application, but they had already processed my information and stated that they can not go back to a previously approved payment amount. As a result, my monthly payment will increase in XXXX ( when the forbearance is scheduled to end ).
Product: Checking or savings account

Hello, my name is XXXX XXXX on XXXX XXXX of XXXX I was in the process of getting a loan and during that process I was scammed out of my money. They hacked my bank account and deposited funds into the account as a credit they also made me withdrawal money and take out XXXX XXXX cards. I was told if I buy a XXXX XXXX card for this amount itll boost my credit score which in return Ill be able to take a loan out for XXXX. When trying to stop the process and get my money back I was told to get XXXX dollars and Ill get back the XXXX that was taken from me. I didnt have the funds because they ended up taking my money and now my bank is charging me an overdraft of XXXX because the withdrawals that were made, my card was in my access and they cant provide me with those funds.
Product: Credit card or prepaid card

In  XXXX . 2017, I made a payment towards my Wells Fargo Bank Credit Card of {$320.00}. After that payment, I did not receive any paperwork from Wells Fargo that anything was wrong with my Wells Fargo Credit Card. When I went to make my   XXXX   payment on-line, it said my account had been closed. What is more confusing is that in  XXXX , I received a new credit card for this account. When I called to ask what happened, I did not receive any information. All they would tell me is that it was closed. I demanded to know why. Not until   XXXX   did someone tell me that in  XXXX . when I made the {$320.00} payment, According to Wells Fargo Bank, N.A they claimed that I should have made a {$370.00} payment. Never did I receive paperwork about this or was notified that I did not pay the full amount in  XXXX . When I was told in  XXXX  about why they closed my account, I was then informed that my account would be charged off. My question to them was : " Why was I receiving a new credit card after this account was closed? '' as it did not make any sense to me. Wells Fargo has been sued by the CFPB just last month as it appears that over 68,000 consumers were defrauded in this very same manner by closing my account and then destroying my credit score, and opening another another account, without my permission. ( at a much higher interest rate and including unfavorable terms to me, the consumer. ) They are unwilling to admit that they are complacent in this credit card Fraud scheme, all of which is in violation of the federal law refered to as the Fair Debt Collection and Practices Act.
Product: Debt collection

I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from XXXX XXXX XXXX. Call received XX/XX/2019 @ XXXX ( MT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This loan was from a convenience check mailed in my XXXX, however my XXXX opened the letter, signed my name, including my XXXX XXXX XXXX included his contact information deposited the check online without my knowledge and did not not repay amount. Because he forged my signature and took out this loan in my name and used the funds, As per our XXXX  XXXX  He is responsible for debt as it was his. 
If needed I am able to provide copy of XXXX XXXX and check signed by him.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, As per my rights under the Fair Debt Collection Practices Act ( FDCPA ) if a debt collector fails to validate a debt all collection efforts must cease and the continuation of reporting that debt is a direct violation of FDCPA. XXXX XXXX failed to validate a debt on behalf of XXXX XXXX I have sent out several letters to all parties involved regarding this information including XXXX XXXX and Equifax  requesting XXXX they correct this inaccurate information on my credit file and both credit agencies responded that account was verified. Now I would like to file my CFPB complaint formally.
Product: Checking or savings account

I opened a XXXX XXXXXXXX XXXX  account for a {$600.00} bonus and a XXXX XXXXXXXX XXXX XXXX account for a {$1000.00} bonus in branch. I met all the requirements of both bonuses and did not receive any bonus within the deadline specified in their detailed terms. When I reached out to the bank, they excused that ( 1 ) my deposit was 'coded as credit ' in their system, which was their fault not mine ; and ( 2 ) since my business was a Sole Proprietorship and I used my personal social security number as the tax ID, I would only qualify for one promotion, which I was not informed during the account opening process. 

My complaint would be that they are breaking their terms and not honoring the bonuses whose requirements were all met. 

For the {$600.00} XXXX XXXX XXXX bonus, it requires " Deposit at least {$25000.00} in cumulative new money within 90 days of account opening '' - I did on XX/XX/XXXX " keep your account open for a minimum of 90 days. '' - Done. Opened on XX/XX/XXXX, now is XX/XX/XXXX " We'll deposit {$600.00} into your account within 14 days of meeting the requirements '' - Not received yet. 

For the {$1000.00} XXXX XXXX XXXX  bonus, it requires " Deposit {$20000.00} in cumulative new money within 30 days of account opening. '' - My fund arrived XX/XX/XXXX, while account opened on XX/XX/XXXX, so within 30 days " maintain a minimum daily balance of {$20000.00} for 60 days after meeting the initial deposit requirement. '' - The {$20000.00} balance was there all the time till now " Account must be kept open for a minimum of 90 days. '' - Done. Opened on XX/XX/XXXX, now is XX/XX/XXXX " We'll deposit {$1000.00} into your account within XXXX days of meeting requirements. '' - Not received yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian has violated my rights. 15 U.S.C. 1681 Section 602 A : states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A, Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I sent various demand letters to Experian ( XX/XX/XXXX, XX/XX/XXXX to name a few ), via USPS certified mail. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code section 1681g, for the credit bureaus to send physical documentation of the files reported on my credit report, as of the date ( s ) of the letters, they used to verify the accuracy of the accounts listed. In accordance with FCRA 15 U.S.C. Section 1681 ( i ), I requested that all unverified accounts be deleted promptly. In accordance with 15 U.S.C. Section 1681 ( i ), Section 611 ( a ) ( 8 ). My rights have been violated. 

Experian REFUSED to conduct an investigation relating to account listed by " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX' and an account listed as " XXXX  ''. The XXXX  and XXXX XXXX XXXX  account was deleted from the credit report in XX/XX/XXXX, due to identity theft and then reappeared on the Experian credit report in XX/XX/XXXX XXXX of XXXX. Experian FAILED to provide any notice ( the FCRA states they are to inform me within 5 days of the reinsertion which they failed to notify me at all ), concerning the reinsertion of the account. 

Experian FAILED : 15 U.S. Code 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Experian FAILED : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

All of the accounts that I am reaching out about have absolutely no payment history, line of credit information, etc. Experian has a responsibility to accurately report full and complete records of the accounts that they are reporting on a consumer 's credit report. 

Experian further violated my rights by REFUSING to forward physical documentation in accordance to the Fair Credit Reporting Act, by refusing to verify the validity AND accuracy of the accounts they were reporting for both XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and " XXXX  ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, XXXX XXXX XXXX contacted me via email and offered loan assistance as I was in the hurricane impacted area of Hurricane Irma. On the email was a link for a 30-day loan deferment. I clicked the link, requested assistance and they responded back stating the deferment was complete. I have documentation that supports the offer and acceptance. 

I continued to get calls from XXXX, when I returned their call on XX/XX/2017, the collection rep stated that I did not have a deferment and my account was showing 31 days past due and it was reported to the credit bureau. When I attempted to explain and provide the documentation I have to support the deferment, they stated sorry they could not help. They placed me on hold, never to return. After several calls, and a lot of runaround I finally contacted a lady by the name of XXXX XXXX in Customer Care who assisted me. She was professional, she listened, and ultimately resolved my issue. She asked for the documentation which I provided and made the necessary adjustments. It is employees like this that make up for the failures of others. 

While I understand most all financial institutions are providing assistance to those in need in the impacted area, the treatment I received from XXXX is unacceptable, misleading, and unfair business practices. I can only hope this may bring to light others that may be in a far worse situation than I, that are depending on XXXX for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Product: Credit card

Subject : Formal Complaint Regarding False Advertising and Appeal of American Express Dispute Resolution Ref. XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX  and American Express concerning false advertising and an unjust resolution of my dispute regarding Reservation ID : XXXX. I respectfully request your intervention to address this matter and ensure fair treatment for consumers like myself. 
False Advertising by Booking.com On XX/XX/year> I booked a property through XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX. The property was falsely advertised as a NON SMOKING ROOM. However, upon arrival, it was clear that these claims were entirely untrue. 
The unit was heavily impregnated with the odor of tobacco smoke, contradicting its advertised description. This issue rendered the property uninhabitable and significantly deviated from the promised conditions. I was misled into booking the unit based on these misrepresentations, which constitutes deceptive advertising. 
American Express 's Failure to Protect Consumers When I sought to dispute the charges with American Express, providing clear evidence of the false advertising and my efforts to resolve the matter directly with XXXX American Express refused my dispute. By doing so, they have effectively allowed their vendor to lure customers under false pretenses and escape accountability for deceptive practices. 
This situation highlights a failure to protect consumers from unfair business practices. As a credit card issuer, American Express has a responsibility to ensure that their vendors adhere to ethical and honest standards of conduct. Their refusal to support my legitimate claim undermines this responsibility and leaves consumers vulnerable to exploitation. 
Request for Intervention I respectfully request that the Consumer Financial Protection Bureau investigate this matter and intervene to : 1. Review XXXX  Practices : Ensure that properties listed on their platform meet their advertised descriptions and hold XXXX accountable for enabling false advertising. 
2. Address American Expresss Handling of Disputes : Require American Express to review their dispute resolution process and reverse their decision in this case, as it fails to protect consumers from deceptive business practices. 
3. Strengthen Consumer Protections : Advocate for stricter oversight of credit card issuers and platforms like XXXX to prevent future cases of false advertising and insufficient consumer recourse. 
Conclusion This situation is not only about my individual experience but also about holding companies accountable for ethical business practices and ensuring fair treatment for consumers. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this matter and protect others from facing similar injustices. 
Thank you for your attention to this issue. I look forward to your guidance and resolution. 
Sincerely, XXXX XXXX American Express dispute Ref. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I sent a letter about inaccurate and unverifiable things on my credit report, and it has gone unanswered for over 60 days. I'm still waiting for a response. As a result of my disputes being ignored, I feel that I'm being taken advantage. My personal information was also impacted as a result of the Equifax data breach, and it may have ended up in the wrong hands. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

Equifax has unlawfully reinserted a previously deleted account onto my credit report without providing the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This account was previously removed as unverifiable, yet it has been added back without any notice, explanation, or supporting proof, violating my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is required to conduct a reasonable investigation within 30 days of a dispute, yet despite multiple dispute letters, I have not received a valid response, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). Furthermore, neither XXXX nor XXXX has reinserted this account, confirming that Equifax has failed to follow proper reinvestigation procedures. I demand the immediate and permanent removal of the XXXX account ( Account # XXXX ) from my credit report, along with written confirmation of its deletion and assurance that it will not be reinserted unless proper legal procedures are followed. Given the CFPBs ongoing lawsuit against XXXX for similar violations, Equifax must take this matter seriously. Failure to comply will result in me seeking {$1000.00} per violation found on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lien holder, XXXX XXXX XXXX, did not conduct the necessary due diligence at loan inception and the vehicle ( in this case an aircraft ) did not have a clear title. I only discovered this when I went to sell the vehicle and was advised that there was a title problem, therefore, I could not sell the vehicle in lieu of a clean title. I advised XXXXk XXXX XXXX that I was suspending further payments until the title issue was resolved. in the interim period, XXXX XXXX XXXX sent the loan into collection. Three ( 3 ) months later XXXX XXXX XXXX cleared the title problem, but did not advise me. Once it was discover that the title problem had been resolved, I promptly paid the outstanding balance. However, even though the loan is paid, XXXX XXXX XXXX is still reporting to the credit agencies that it was " bad debt '' and that there is an outstanding balance - which there isn't, it's paid in full.
Product: Mortgage

Dear Sir/Madam, Our flood insurance policy was re-written by the insurance company due to late payment. As a result, the insurance premium has increased. Our mortgage company ( Chase ) is  responsible for paying our insurance premiums on time. However, the payment was received late causing the policy to lapse. 

Our insurance agent claimed that the insurance renewal notice was sent to Chase ( Our mortgage company ) with the due date of XX/XX/2018. The payment was not received until XX/XX/2018, which was 2 days past the grace period. 

Chase, the mortgage company, claimed that the insurance payment was issued on XX/XX/2018. However, it was returned on XX/XX/2018. They called the insurance company and was told the payment was sent back in error. Chase then issued another payment on XX/XX/2018. However, it's two days past the grace period and the insurance company considered the policy had lapsed and re-wrote the policy. 

It seems that both Chase and the insurance company are not willing to take responsibility for the mistake and are pointing fingers at each other. 

As a consumer, we just know that it's not our mistake that this happened. We are the victim of the bureaucracy between two companies. 

Please help!
Product: Debt collection

I receive my final bill from the original creditor XXXX XXXX in XX/XX/XXXX. The due date for the bill was XX/XX/XXXX in the amount of {$55.00}. The bill was paid in full and the credit card account was closed. Soon after I started receiving bills in the mail associated with this same closed account. This has been going on for XXXX years and XXXX XXXX  dont even have my payment history in their system anymore to prove what I am saying about paying off my account. XXXX XXXX  was contacted on XX/XX/XXXX. Midland funding was also contacted on XX/XX/XXXX of XXXX and the amount in their system as well as the amounts from the bills that I have do not match up. I am trying to get this off of my credit as soon as possible.
Product: Credit card

On XX/XX/2024 I was purchased an item on XXXX. Tracking information is updated on the item with XXXX. The seller charged tracking information to make it look like the package has been delivered when it hasnt. 

I contacted PayPal credit report the seller as fraudulent. Ask for the money back, but on XX/XX/2024 the money was charged back to my account. They said they will go to seller coz the package was delivered. 

A similar situation of fraud happened to me before, I lost the dispute when the seller charged the tracking information ( initial tracking was fake ) and they showed item is delivered. When I reported the item not delivered. I lost my dispute and money.
Product: Mortgage

I have a FHA loan and I was service released from XXXX XXXX XXXX to Freedom Mortgage in XX/XX/XXXX. I pay my homeowners insurance and taxes though my mortgage payment as it required for FHA. I found out in XX/XX/XXXX that when my loan was service released in XX/XX/XXXX, my Homeowners Insurance company XXXX XXXX XXXX was not informed of the change by either mortgage company resulting in my insurance being dropped and I was completely unaware. I had made all my escrowed monthly payments on time, thinking homeowners insurance was covered and it was not. After calling Freedom mortgage in XXXX of XXXX because I received a letter stating if they did not receive my Homeowners renewal policy then they would force place insurance. I called XXXX XXXX XXXXXXXX to see why my renewal documents were not sent they informed me I was dropped for nonpayment from my mortgage company in XX/XX/XXXX. I was so upset and was put at great risk because I was not covered. That is the whole reason FHA makes you escrow through your mortgage payment to eliminate that risk and to protect the property. At that point I did not fall under those guidelines even thought all my payments were made on time. That same day I got a new policy with XXXX XXXX and sent in all the documents ( XX/XX/XXXX ). I was notified of a shortage in XX/XX/XXXX and I have been paying monthly and in XX/XX/XXXX my escrow is still short. Come to find out Freedom Mortgage paid some insurance policy that I am unaware of {$600.00} and I can not even get through to the Insurance Department to find out who, bc customer service was unable to see the insurance company paid. This seems like a lawsuit to me and that will be my next step. Also I have paid extra each month over the past 9 years and I do not believe my escrow amortization schedule is correct either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to cancel my monthly subscription with Experian ( https : //www.experian.com/ ) credit reporting. It's been over 4 months they have not cancelled or responded back over cancelling membership. 

I have emailed them couple of times. Called company a lot times. 
They tend to keep on hold people for cancelling subscription and never pick up or respond back. 
I was able to get in touch one time with representative but they did not cancel subscription and dropped call while in between. 

At first I thought this was because of huge traffic. After a little bit of research I found that it's the problem with everyone. Company Experian does not entertain cancelling membership subscription XXXX XXXX XXXX Complaint against experian can be found here