23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My account balance is incorrect. Per my statement on XX/XX/19 balance due was XXXX I then made a payment for XXXX Which would bring account to XXXX due. on XX/XX/19 statement the balance due was XXXX which would be the XXXX with XXXX ( XXXX ) total owed which my statement on XX/XX/19 reflected. I then made a payment on XX/XX/19 for XXXX which would make balance due of XXXX ( which would be your fees only due ) and next payment due should be XXXX and XXXX in fees. Yet your website shows I owe XXXX which is wrong. Fix this immediately. I have also been locked out of my account for over 8 months which I have asked them to fix multiple times and they finally did today XX/XX/19
Product: Credit reporting or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO FIND I HAD BEEN THE VICTIM OF IDENTIFY THEFT I DO NOT RECOGNIZE THESE ACCOUNT PLEASE REMOVE THIS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT : {$850.00} XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT : {$13000.00}
Product: Debt collection

On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXX company for {$800.00} from XX/XX/XXXX. The debt collector is Solomon & Solomon P C ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

Solomon and Solomon sold a debt that was paid off. The duplicate account, now owned by XXXX XXXX XXXX XXXX ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to Solomon and Solomon, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.
Product: Student loan

I was enrolled at XXXX from XXXX. During that time student loans were taken out based off of XXXX telling me that my tuition would never go up and I would be making XXXX a year right out of college. After doing some research I found out that XXXX had lied to me and due to the government pulling their funding based off of illegal activities I sought to have these student loans discharged along with my private ones. Per the form I sent to Navient there is a fine print item that says If you withdrew more than 120 days before the school closed, you may be eligible for this form of discharge if the Department determines that exceptional circumstances related to the school 's closing justify an extension of this 120 day period. Examples of exceptional circumstances include but are not limited to the closed schools loss of accredidation, the closed schools discontinuation of the majority of its academic programs, action by the state to revoke the closed schools license or a finding by a state or federal government agency that the closed school violated state or Federal Law. Per that disclaimer Navient must wipe out the lines and any interest that accrued during that time period. They must also reimburese me on any payments I made towards those lines at that time. Navient has denied my request twice stating that I was out of the school for longer than 120 days. When I brought up the terms and conditions with them they denied it again. If Navient does not discharge the loans taking out during that time period they will force me to seek legal counsel and sue them to have the loans discharged. I meet the requirements for the loans to be discharged so they must be discharged. XXXX had their funding pulled due to fraudulent activity and statements made by the company. I never would have went to XXXX nor would I have pulled out student loans if I knew the statements they were telling me was false. Furthermore, Navient has discharged student loans for other people past the 120 threshold for the same reasons they just went to a different school. A few of these people I know personally and that is how I found out about this. If Navient is going to discharge the loans for one person based off of this they must discharge them for all the people meeting this requirement otherwise they are discriminating against me. Which would be a violation of federal law.
Product: Credit reporting or other personal consumer reports

I currently have an issue with my Macy 's American Express card. The card is issued by Citibank. I reported my credit as stolen and I'm disputing charges in the amount of {$250.00}. I was sent a replacement credit card and when I looked up my information I saw the fraudulent charges were moved from my stolen credit card to my replacement card. So far I spoke with 2 people, as I am unsatisfied with their response I asked to speak with a manager. I was told a request had to be put in to speak with one. This is not acceptable and they're also lying to me. I did not make or approve these charges. All I want is for that amount to be credited to my account as it was not my purchase. 

Thank you
Product: Checking or savings account

I received the attached letter datedXX/XX/XXXX from XXXX in which they stated they would close my account and mail me the remaining funds. I deposited {$50.00} in this account when I opened it. 10 business days was last XXXX XX/XX/XXXX and it has been 1 week without any update from the company as to my requests to provide a closing statement or return my funds. The funds have also not been returned to the originating institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 61XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Bank account or service

XXXX/ACCT XXXX used an expired Bank of America debit card to charge a fee. Bank of America allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired.
Product: Debt collection

I am, at present, unable to pay my revolving credit card debt and continue to pay my basic living expenses as well. I'm aware that I may owe this debt and do not intend to be reminded be Citi Bank - Best Buy Credit Card, the ( " Creditor '' ), through repeated phone calls, text message, emails and correspondence that I do owe it. Such tactics are nothing more then pressure harassment that will not be tolerated. Currently, there are no issues or specific instances to detail as the account is paid current up to XX/XX/2020, however ; I will not be making payment going forward. Therefore, this complaint is intended to preemptively stop the " Creditor '' from engaging in the harassing collection tactics mentioned above. It is respectfully requested that the " Creditor '' recognize this complaint as a formal " Cease and Desist '' from all collections efforts. Violations of this request after XX/XX/2020, will be considered a violation of this " Cease and Desist '' and will be handled as such.
Product: Consumer Loan

During the month of  XXXX    XXXX  , I went into Fifth Third Bank to apply for a Unsecured Flexline load application ID #  XXXX . I was told that I had been denied of this loan and received a letter with alot of not true facts. For  one m y credit was  XXXX  which you only need a  XXXX , I have a car loan that has been paid off in full with a long length of credit. I dont have any credit balance on my credit repo rt. Fifth Third Bank turn ed my down but the next day  XXXX   XXXX  gave me a personal loan and a credit card,   XXXX   XXXX   XXXX   gave me a credit card as well. These banks was looking at the same credit report. Because who ever the underwriter was on my application didnt do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the Equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, Transunion and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ).XX/XX/XXXXI sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As I am repairing my credit, Ive noticed several closed accounts that still shows on my credit report as of XX/XX/XXXX to which Ive tried to reach out to the listed phones for both unknown creditors which to no result.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX, GA XX/XX/year> **Re : Complaint Regarding Debt Validation - Firstsource Advantage, LLC** Dear CFPB, I am writing to formally request your assistance in resolving an issue concerning an inaccurate debt being reported on my credit report by Firstsource Advantage , LLC .

**Background and Details : ** - **Company Involved : ** Firstsource Advantage , LLC - **Account Reference Number : ** XXXX On XXXX, I received a notice from Firstsource Advantage , LLC regarding a debt that they claim I owe. I have serious concerns regarding the validity of this debt and, as such, I sent a formal debt validation request to Firstsource Advantage , LLC on [ insert date of original request ]. In my letter, I requested the following information : 1. **Assignment Contract : ** Documentation showing that Firstsource Advantage , LLC is authorized to collect this debt on behalf of the original creditor, including the name and address of the original creditor.

2. **Verification of Debt : ** A copy of the original debt agreement, or any other documents that prove the validity and ownership of the debt.

Despite my request, Firstsource Advantage , LLC has failed to provide the requested documentation within the 30-day period as required by the Fair Debt Collection Practices Act ( FDCPA ). Instead, they continue to report this unverified debt to the credit bureaus, which is adversely affecting my credit report. 

**Actions Taken : ** - On XXXX ], I mailed a debt validation request to Firstsource Advantage , LLC XXXX asking them to provide the necessary documentation. 
- To date, I have not received the requested information, nor have they ceased their collection activities, including the reporting of this debt to the credit bureaus.

**Request for Resolution : ** Given the company 's failure to validate the debt as required by law, I am requesting the removal of this inaccurate information from my credit report. I ask that the CFPB intervene to ensure that Firstsource Advantage , LLC complies with the FDCPA by either providing the requested validation or ceasing all collection and reporting activities related to this account.

I would appreciate your prompt assistance in this matter, as the continued presence of this unverified debt on my credit report is causing significant financial harm.

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

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

This account is being reported incorrectly, there were never any late payments on this accounts. 



XXXXXXXX XXXX XXXX  ( Reported Late : XX/XX/2022 )
Product: Debt collection

I AM RESUBMITTING THIS. My original complaint was # XXXX. CFPB wrote me back that they cancelled this complaint since it was already addressed. IT WAS NOT. Said something about " credit repair ''? I assure you, this is XXXX XXXX and this is not mine. The orignal complaint that was ignored was : I have reached out to Harvest Associates 3 times now. I know i do not own this debt, it is only on the XXXX bureau. I have just asked them to show me what they have. I reached out in XXXX, XXXX, and XXXX to no avail. I also reached out to XXXX twice but i really wanted Harvest to show. me this debt and they have not. They have NEVER made contact with me, they have NEVER answered me, and its because they know the debt does not belong to me.
Product: Vehicle loan or lease

I cosigned a vehicle financed with NMAC, who promised to report monthly accurate and complete loan information of customers to the three major credit bureaus. I recently discovered that there are no loan installment payments being reported by NMAC as promised. Nissan Motor Acceptance Company LLC failure to report has and continue to cause me harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX have no knowledge of addresses and my name spell wrong I want it disputed off my record XXXX XXXX also said it was deleted and its not I cant get a home do to these negatives reports and Ams financial is not supposed to be on my report as well they for the car back and said it would not appear I want it disputed off my credit
Product: Credit reporting

I disputed an issue concerning whether an account was already paid. I have credit card statements showing that the item was charged to my credit card. The result of that investigation came back stating the charge was verified. I disagree with that result, I have credit card documents backing my position. 



































i
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to talk timely and effective measures to prevent an address vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. Thank you for your time and I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$320.00}.
Product: Mortgage

I have a mortgage with Suntrust Mortgage ... ... due to the recent bans on public gatherings, my business, a wedding photography business, will receive no income for 6 months. I have had to lay off employees and am struggling to pay all of our bills. 

Suntrust sent an email saying they are here for their clients. They touted donating millions of dollars to help with relief efforts through their social media page. 

When I called asking for a forbearance, here is their program : Skip 3 months of payments At the end of 3 months, you owe all of the money in a lump sum or they will start foreclosure proceedings report as a forbearance on your credit report THIS IS NOT IN LINE with the presidential directives for FHA mortgages, and despite this not being FHA, all other major companies are following suit. Suntrust is gouging their customers AND will use this as a tool to take their homes when this is all over.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern and frustration regarding unauthorized hard inquiries on my credit report. Despite my multiple communications with your office, the inquiries in question continue to appear on my report. I am troubled by the persistence of this issue and the apparent lack of resolution.
Product: Money transfer, virtual currency, or money service

I opened an account on Binance.us to start purchasing Crypto and they put a 10 day hold on my money to verify my bank and info, which is fine with me. Its now been 12 days and my money is still frozen and cant withdraw it. Ive searched the internet and found multiple forums with horror stories of Binance.us not releasing peoples money after the 10 day verification. Ive seen some as much as 9 months with no luck getting their money. This company has no Phone or address listed to get a hold of them but I have emailed them with no response. It says they are located in XXXX XXXX but thats all it says. Id just like my money released and thats it. Its almost fraudulent on what this company is doing to people with no way of contacting them or getting their funds. Thanks for your time.
Product: Mortgage

On XX/XX/2022 closing attorney requested partial payoff and release from a portfolio loan. Mortgage company - Select Portfolio Servicing submitted a payoff figure for the full amount of the loan - not the partial as per the loan documents - page 45, section 25. This is holding up our closing and funds dispersal. Select Portfolio Servicing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found several accounts that I believe are being reported inaccurately. I am requesting a reinvestigation of the following accounts and that they be removed from my file : 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.