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

I recently discovered that multiple unauthorized accounts were opened in my name and numerous credit inquiries were made on my report without my knowledge or consent, indicating I have been a victim of identity theft. These fraudulent accounts include XXXXXXXX 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 and more. Additionally, unauthorized inquiries were made by companies like XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and others, which I did not approve. 

To address this, I have filed an identity theft report with the FTC, submitted a police report, and disputed these fraudulent activities with the credit bureaus and creditors involved. Despite these actions, the fraudulent accounts and inquiries remain on my credit report, causing significant damage to my credit standing. I am requesting a thorough investigation and removal of all fraudulent items from my credit report to resolve this matter.
Product: Student loan

I recently filed a complaint with CFPB regarding the way my PSLF payments were being calculated. XXXX  XXXX XXXX responded to my request for a detailed request of PSLF-qualifying payments by significantly omitting and altering information. In fact, the information they provided conflicts with the information they provided in XX/XX/XXXX when I similarly requested an explanation of why my student loans were not be calculated. 

Specifics : From XX/XX/XXXX - XX/XX/XXXX : I made 4 PSLF qualifying payments on my federal student loans. This was attested to by XXXX  XXXX XXXX in the attached document ( PSLF Statement XX/XX/XXXX ) in the highlighted fields, including a payment of XXXX. 


{$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$1300.00} ( XX/XX/XXXX ) I was NOT under a student deferment at that time. 

In the most recent response received regarding PSLF qualifying payments from XXXX XXXX XXXX ( PSLF Statement XX/XX/XXXX ), they stated I was under student deferments for the first three payments, which is false. Additionally, they COMPLETELY OMITTED the payment I made of XXXX, which is a COMPLETE Falsification! I have proof of this payment. 

XX/XX/XXXX XXXX XXXX has repeatedly changed their records of my payments to them throughout my time dealing with them as a lender. I just want the payments I made under the PSLF program to be counted.
Product: Student loan

The school I was attending XXXX College suddenly closed on XX/XX/2016. the school works with a private lender called XXXX . Since the school unexpectedly closed I was unable to finish the XXXX program that I enrolled in. This lender still wants me to make payments on a this loan for the full amount when I am no longer in school nor did I finish the program. The school was issued {$7700.00} and only {$5000.00} something dollars of this loan was added to my tuition the remaining balance of the stipend checks that I refused were supposed to be sent back to the lender. When I contacted the lender they are telling me they never received any funds back from XXXX College. I have called numerous times and spoken with numerous agents regarding this matter and the agents keep stating that they still need a response back from XXXX and someone will contact me at a later date. I feel as if the school has taken the remaining money and has no intentions on returning. I can not get answers from the school as there is no one working there anymore to get answers on this matter and XXXX is stating that they want the whole amount on this loan to be repaid. In my school handbook it states that if the school unexpectedly that my loans would be forgiven. If you can please look into this matter I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, I'm in my bedroom on my laptop, writing this out, which is causing unnecessary time and effort on this issue. 

Despite providing all necessary documentation and following the proper procedures, Equifax has failed to conduct a thorough investigation, provide a timely response, respond with a conclusion, and remove the disputed items from my credit report. 

I sent certified mail on XX/XX/2023. Equifax acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Equifax accepting the items in question, as well as personal information and supporting documents. 

I urge Equifax to take immediate action to rectify this matter to avoid any court intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Equifax. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being. 

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information. 

The absence of a timely response and resolution demonstrates a failure on the part of Equifax to fulfill its obligations and protect my rights as a consumer.
Product: Checking or savings account

I am filing this complaint agai nst US Bank Corporation. I h ad an account with this bank. I was never contacted that there was an issue with the account. The bank reported me to chexsytems before contacting me and allowing me to resolve the problem.
Product: Checking or savings account

Tried close online says to send letter, send letter to close since didnt agree to new fee they added when changed account type on their own. Account still not closed month later while they try to accumulate fees for account type they changed to
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This Debt collection agency is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful. 
This company is now also calling and harassing my wife, without having any valid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX should not be a trusted agency for being responsible for people credit information.
Product: Debt collection

I am writing to a complaint I file previously file against Portfolio Recovery complaint # XXXX. 

I appreciate PRA response ; however, their reply does not adequately address my concerns regarding the validity of their claim to this debt. 



PRA states that they are the debt buyer and have purchased the account from XXXX. However, I sent a certified letter to PRA on XXXX requesting documentation that proves they legally own this debt and have the right to collect on it. Specifically, I requested : 1. The purchase agreement between PRA and XXXX that shows PRA acquired this specific account.

2. The chain of title or documentation demonstrating how PRA obtained legal ownership of the debt.

To date, PRA has not provided any of these requested documents. Instead, they have only sent me a few statements from the original creditor, which does not confirm their legal right to collect.

If PRA legally owns this debt, they should be able to provide the requested documentation. Until they do so, I believe this debt should be removed from my credit report, and all collection activity should cease immediately. 



I ask the CFPB to ensure that PRA provides proper verification, or that this account is removed from my records. 



Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the collections agency and the vendor each vendor did not file timely or did not file claim at all. There are two claims. 
{$330.00} service date XX/XX/XXXX. {$550.00} XXXX XXXX the service date XX/XX/XXXX verified with my insurance company.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violat the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent address fraud on their platform, leaving r account vulnerable and unprotected.

Furthermore, their dispute resolution pro was unfair and deceptive, as they did no comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience a financial loss, and I seek appropriate red for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

Got a {$500.00} loan, but due to fees and interest the total loan amount due is {$760.00}. It is more that the loan itself! How is this ok? I been making {$92.00} payments and something should be going down but its not. I am tired of being taken advantage of! And this is my hard earned money. This needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems has now had 2 previous reports with CFPB filed against them relating to finromation that is being reported by XXXX  XXXX XXXX. In their most recent letter they have provided a signature card, but the signature card has nothing to do with my account that i am supposedly responsible for. Therefore, as per the FDCPA I demand that this information be rmeoved from this report
Product: Checking or savings account

On XX/XX/XXXX, I tried depositing cash into a XXXX XXXX XXXXXXXX ATM in XXXX XXXX, XXXX. The ATM shut down while I was depositing and ate XXXX cash. I contacted the manager responsible at the branch, who advised me to file a dispute at Chase, where my account is located, which I did. I was displaced by the XXXXXXXX XXXX  and when I returned on XX/XX/XXXX to XXXX, the manager said they didnt receive any dispute from chase. Chase claimed that their dispute was denied when I called back on XX/XX/XXXX, and that theres little they can do as I deposited in a different ATM.
Product: Credit card or prepaid card

Called to cancel my American Express card. Was told by the representative that my annual fee would be waived if I cancelled, but then was informed that I would lose my companion passes if I did so. So, I did not cancel at that time XXXX read : he was able to " save the account '' ). Then, when I called to cancel today, I was informed that I was one day outside of my window and I would be required to pay the fee. When I was on the phone with the first representative, he never informed me that I had a specific window to close the account without penalty. I am convinced he did so to save his numbers and not get dinged for a lost card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Experian recieved a non response letter from me. Prior to this letter, I sent a letter demanding that they provide me with proof of documentation with my signature on it for the XXXX accounts listed. It is XX/XX/2020, 39 days later, and I have yet to receive a response letter. I sent all my letters to them via certified mail. I also have copies of the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported in correct information about late payments. the company reported a 30 day and 60-day late payment. There were no late payments because the company sent the billing statement to the wrong address. I did not receive a request to pay the bill or the amount due. 


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

I received an alert on my credit file from Equifax today the XXXX of XX/XX/2018 stating that my score had dropped due to an increase balance on my XXXX XXXX credit card. My Equifax credit report stated that my XXXX XXXX Card Balance went from {$0.00} to {$210.00}. I called XXXX XXXX and confirmed that I paid my credit card balance on the XXXX of XX/XX/2018 to a {$0.00} balance and that there has been no new charges. I asked the XXXX XXXX Representative when was this balance reported and was advised by the XXXX XXXX representative that it was reported on the XXXX of XX/XX/2018. I asked why was an incorrect balance reported to the credit bureau and the representative could not give me an answer except that it could not be corrected until next month. This caused my credit score to drop.
Product: Student loan

Fedloan has added new misleading information about the CARES act regarding student loan forgiveness programs. After responding to my last complaint about being encouraged keep making payments to stay on track with my loan forgiveness program, admitting that I was given wrong information, and promising that suspended payments made during this forbearance period WOULD be included in my qualifying payment total, they have now updated their website with more evasive messaging : " Borrowers with a Direct Loan, whom are on a qualifying repayment plan prior to the suspension, and work full-time for a qualifying employer during the suspension, will receive credit toward PSLF for the period of suspension as though on-time monthly payments were made.

Borrowers currently on an IDR plan will have suspended payments count toward IDR forgiveness. '' Of course borrowers will not qualify under this stipulation. A frightening amount of people have been laid off from their jobs and are collecting unemployment. Therefore we are NOT working " full-time for a qualifying employer during the suspension ''. There is no requirement in the CARES act that states that a borrower must remain employed in order to qualify for this : " ( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified. '' If we weren't all losing our jobs, we wouldn't need the forbearance, and we would have otherwise qualified.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lust recently looked at my credit report XX/XX/XXXX. XXXX. I saw some hard inquiries that did not have permissible purpose. also attached evidence 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b, thanks
Product: Credit card or prepaid card

I am a Bank of America Cardholder ( Cash Reward ). On XX/XX/XXXX my husband purchased a XXXX XXXX from XXXX for the amount of {$1100.00} on my very old CC that left home. ( out of my knowledge that old card still working ). I had my new card with me in XXXX. When i saw the transaction online I called Bank of America right away to cancel the card. BA cancelled the delivery. BA credited it back on my account but on XX/XX/XXXX, they charged it back to my credit card ( {$1100.00} ). 
I been trying to resolve the issue many times for 3 years but all they did was to reopen the case and denied over and over. 
I paid the charge of XXXX for the XXXX XXXX  that was cancelled and never delivered. I been calling BA and XXXX back and forth but they've been pointing fingers to each other. 
On XX/XX/XXXX between XXXX-XXXX I called BA fraud department Delaware, I spoke with XXXX, she said the money is with them. and they will give it back to XXXX and will take 45 business days. XXXX said the dispute has been resolved and please refer to the issuing bank, the money was returned to Bank of America. 
On XX/XX/XXXX at XXXX XXXX i spoke with XXXX from the Fraud Department of Bank of America Delaware she said the money still with them and never left because the other representative did a wrong process. 
I called again on, XX/XX/XXXX, XX/XX/XXXX, followed XX/XX/XXXX. It I tried again many time on XXXX and XXXX but still nothing happened. 

Thank you.
Product: Money transfer, virtual currency, or money service

I used the cash app as my sole bank. K thought going all digital would be much easier, boy was I wrong. I get my paycheck direct deposited into an account. After I got a new number I was no longer able to get into my old account. I emailed the company a total of 6 times in the past 6 days. They asked from some information regarding both accounts and i gave them what they asked. They kept telling me " Unfortunately, some of the information provided does not match what we have in our system. For security reasons, we are unable to merge these two accounts at this time. '' They won't give me any insight to what the  discrepancy is. My last check was {$370.00} and I was going to use it for rent. I got kicked out of the place I was in and was forced to move in with a friend. Cash app doesn't have any humans to talk to, and they their automated messages aren't very helpful.
Product: Credit reporting

Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's Trans Union XXXX and XXXX still show it on my creditreport I want it off now.
Product: Mortgage

Had hail damage in XXXX and insurance did there part now nationstar mortgage has had my funds since XXXX and it is now XXXX. I 've sent over every document they have asked for and in XXXX they sent one check and asked for the same paperwork that was submitted with the contractor amount so I sent that so they would release the remaining amount and they approved the paperwork and when they sent the check they put somebody else 's name on it so I called and returned it and was told that they were going to burn it and resend another one but three weeks later they want the same paperwork I 've already sent and then the representative tells me that he sees in the notes that everything is there and that he is getting it approved and then I get notified by email that the check was released and then when I receive it, it is a very small portion and has the same wrong name on it. These guys are terrible at there job. Need help cause I 'm tired of dealing with XXXX who tell you one thing and then something different happens
Product: Credit reporting or other personal consumer reports

The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at zero. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.
Product: Prepaid card

I was informed a month after XXXX closed all accounts with the bank I had a balance left. I was to call XXXX have the balance sent via check I call to do so XXXX I'm fully verified through customer service but then I'm sent to the risk protection people whom can't seem to verify me through my number or email I go into an institution and I'm refused help because XXXX XXXX bank of America dont bank with each other anymore. All I want is my balance to be sent to me. I'm tired of all this XXXX every time I call it's harassment and absurd