23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They are wanting me to pay something that should have been paided by the second insurance i took out from them through there company and why would they wait so long to say i owe them now i did what the lady said to do she said let the insurance pay it off refering to the in house insurance i took out with them if that was the case why didnt they fix it and i would still have the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out with two different credit agencies. XXXX Experian XXXX. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

My wife and I have been working for over 6 weeks with a local title company to obtain a paid in full letter or lien release for a loan we had with Truist Bank. Our Home Equity Line of Credit was originated by Suntrust Bank who merged with Truist Bank. Our HELOC was paid in full on XX/XX/21 and was never released/reconveyed by the Lender. My wife and I and the Title Company have made dozens of calls and sent numerous emails to Truist to resolve this issue. Truist has no record of our HELOC but has promised numerous times to mail out a paid in full letter. This has never been done. We are now about to be XXXX  as we have only a few days left to send over funds for a home purchase. Truist Bank has 75 days by law to provide the lien release and is in violation of the law. We need this issue to be resolved IMMEDIATLEY!!
Product: Credit reporting or other personal consumer reports

My Credit Profile isn't reporting to any of the Credit Bureaus
Product: Credit card

I live in NY. I received an e-receipt on XXXX/XXXX/16 that my Macy 's card was used for a purchase made in XXXX XXXX, XXXX. I had the Macy 's card in my possession. As per Macy 's someone came in with my name on a Florida driver 's license and used the last XXXX digits of my SS # to make a purchase. I filed fraud paper work with Macy 's and also a police report with the XXXX XXXX police. Still waiting for Macy 's to complete investigation. Also asked for info as to what they have discovered and they can not tell me. Recently I have fraudulent charges made with my debit card from someone in XXXX. I want Macy 's to clear my charges and advise what, if anything they have discovered regarding this fraud. I am concerned that it may be someone in Macy 's. I would like answers from them. It is over 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor are the addresses listed on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> when I was routinely monitoring my credit report I noticed that my credit score drastically decreased due to federal student loans being taken out in my name. I attended an accredited college 10 years ago and already hold a XXXX XXXX so this is identity theft. The thief used fake references, phone numbers and email addresses. I have no affiliation with the XXXX XXXX XXXXXXXX and they did not do their due diligence in confirming the identity of the thief before admission to their institution. They did not collect high school transcripts or look at identification. I immediately called XXXX  XXXX XXXX XXXX XXXX, all 3 credit bureaus to report the fraud and dispute the accounts. I had to complete police reports, ID theft affidavits, FTC reports, freeze my credit and a bunch of other tasks. In total {$3500.00} was taken out. 

Since then the XXXX XXXX XXXX continues to collect disbursements on the loan with my personal information with the most recent one being paid XX/XX/year> and has not unenrolled me or investigated this as requested formally in a letter. They also requested I submit personal information such as social security numbers and a driver 's license through unsecure methods ( unencrypted email. ) I requested information about where the money was being remitted and what classes I was allegedly enrolled in and have yet to receive it while the keep me in the " enrolled '' status at their University. 

XXXX denied my dispute request and did not perform a proper investigation even though all the information was incorrect on their report. Again the phone numbers and email addresses were fake as well as the references. I am still waiting to hear back from Equifax and XXXX. My credit score continues to be impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed
Product: Money transfer, virtual currency, or money service

Getting a request grom paypayl that i sent money these imdivduals caused my account to close i will attach pictures below,
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Checking or savings account

I tried to make a deposit by my phone app before and after I saw a pending debit to my account that was going to cause my account to overdraw. I have always been able to make check deposits by phone. However, despite being able to log in, I kept getting an error, with a prompt to call a toll free number. I called and was walked through multiple tasks - uninstalling app, clearing cache etc and the app did not work. I was advised it would be escalated and receive a call back. To date no one has called back. I noticed an overdraft fee and so called today and was advised it would not be waived. Given I have moved from XXXX XXXX XXXX  and had no alternative to make a deposit, I am requesting a refund, especially for issues related to the reliability of the bank 's app.
Product: Mortgage

Specialized Loan Servicing LLC continues to send me letters on Important Notice under the Homeowners Protection Act for Borrowers with PMI. These letters advise on my rights to cancel and i meet all the requirements under the law. I sent a written request for cancellation on XXXX XXXX, XXXX and as per the organization they claimed they responded to my letter in XXXX that the request was denied and sent a letter to which i have never received to this date. I am in an active XXXX XXXX XXXX that started in XX/XX/XXXX and will soon be discharged in XX/XX/XXXX. The amount due to this company was {$5300.00} and the trustee paid this off in full. This organization was the first one to be paid in full before any of the others as part of my monthly bankruptcy payment. I have made my monthly mortage payment every month and the next payment due is XX/XX/XXXX which i typically always pay by the XXXX. They told me on XX/XX/XXXX the reason i couldnt cancel was because my account was delinquent and they also said it was because they haven't received any of the XXXX from the trustee which is not true according to the ledger that includes the date, the claim #, check # and amounts. I have contacted this company at least XXXX and each time somebody gives me different information and when reaching out to my bankruptcy attorney to seek counsel he advised me the only thing they can think of is if i was behind on my mortgage payment either pre or post petition. I am not behind and would like help trying to resolve this matter. My principal balance dropped below 80 % of the home 's original value over 12 months ago and also provided proof to the organization in my written letter the value of my property has not declined below the orginal value in fact it increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX SXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported
Product: Vehicle loan or lease

After struggling to make payments a guy says he wants to buy it comes and trys it says he going to buy it and was going to meet his wife and get the money never see the guy again Ive reported to one main financial as well as the police department if I new you could do this stuff I wouldnt have went without food trying to pay a debt back but yet Im being punished when all I would like to do is buy a home before my mother passes away is our system really like that sad very sad
Product: Prepaid card

Chime is not following the law when it comes to disputes. On XX/XX/XXXX I disputed an overcharge by XXXX via XXXX. XXXX did not apply my promo and I had an earlier identical purchase and was overcharged by {$13.00} a misdemeanor crime in XXXX, I am entitled to get all of my money back from the merchant the full disputed amount of {$28.00} and can claim XXXX the difference from the merchant per XXXX law business codes and regulations. Chime only returned the {$13.00} and not the full amount, they do this all the time to every customer. I have had other disputes prior where they did the same thing, I also disputed a XXXX XXXX purchase of {$34.00} in 2024 that still has not been resolved after multiple disputes. Chime says no mistake was made but there were several mistakes made. The food was not delivered in a timely manner and was not delivered hot and the food did not look like the picture. Chime acts like a bank but is not one and should not get to operate like one and not be subject to all the same applicable laws. Them overcharge constitutes a misdemeanor crime. If I am not going to get my money back for a bad transaction where I did not get what I agreed to purchase and chime has had my money for almost a year. Chime agents do not speak fluent English and misrepresent my disputes on the intake forms they fill out in broken English that make no sense. I asked for the evidence for the XXXX XXXX dispute denied XXXX times and they have XXXX evidence, none, only the intake forms filled out by their staff misrepresenting the errors made by the staff of XXXX XXXX. My dispute for XXXX XXXX and XXXX  was already approved which means they recognize the errors made they are not providing the correct amounts returned to customers thru the dispute process, they are also still charging the increased fees that XXXX XXXX and the cfpb put limits on to limit garbage fees. This is a class action lawsuit eligible issue. I want my money back from these disputes or I will be closing both of my accounts at my convenience. If chime is not a bank how can they give out credit cards when no credit is being given, they also are not reporting them over {$100.00} available to me as my pay an available credit line. Are these violations of the FCRA also?
Product: Student loan

Mohela- They lost my information for an employer in the past. Took forever to process my student loan forgiveness. They finally forgive two of the loans but have not refunded the balance yet. I have received the email from Biden my loans were forgiven but they never were. I logged in saw my loan balance was XXXX. I thought my loan was forgiven it was just moved. They told me about the move after the emptied my account. Communication all around has been poor. I got a letter in the mail stating my payment due is XXXX then I log in the payment is XXXX. The due dates keep changing. I feel like I have to log in hourly to make sure they are not making any mistakes. My balance has increased since moved to the new account. I find out the CEO is working with repulicans to block student loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Product: Credit card

This was the second time I reached out to Discover to get information on my account. 
I find it odd that my account is open and yet Discover is not letting me use my card. After speaking to XXXX representatives as that stated " I am not a credit specialist '' " we do not know '' about my account is kind of alarming. My entire card ownership with this account the account has been on autopay. I only ever missed payment due for a period of few months in XXXX  due to financial hardship beyond my control. I was placed in a XXXX year program and the account was " still '' paid on time and on autopay. Its is currently going on 14 months of automatic on time payments. As the representative can not tell me why my account she mentioned she's only the " account manager '' and not a " credit specialist ''. So I ask to speak to the credit specialist and the representative told me to speak to XXXX, XXXX and XXXX. She is saying " they '' are the ones who's telling Discover to keep my account suspended. I am for certain that is " incorrect '' and " false ''. It pretty alarming Discover doesnt not even know what they are doing or why they are doing it and they are a financial institution? Account is paid on time month after month is all Discover needs to know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX   BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/year> - {$00.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Equifax, XXXX and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX I wish to state that I am a victim of multiple fraudulent events and identity thefts. Beginning with the XXXX  breach exposing my driver 's license and social security number on the XXXX XXXX, followed by the theft of my vehicle on XX/XX/XXXX with my cell phone and multiple personal items never recovered ( please see police report ), leading into and throughout the worldwide pandemic, my financial position of strength, with scores in the lower to mid-700 's with each of the 3 main credit bureaus, was systematically destroyed in favor of lenders, collectors, credit bureaus, & other unrecognized predators.

People should not have to lobby for an act of Congress to receive basic financial protections each time they encounter difficulties, whether it is a lost job, being declared unemployable ( due to service-connected military injuries ), a death in the family, or a national or global crisis. Even during non-pandemic times, millions of Americans experience disruptions each year, leaving them to navigate the problematic credit bureaucracy with very few substantive protections. 
The problem is that loan servicers, debt collectors, and credit reporting companies work for lenders, not borrowers, so they have little motivation to help. Consumers, like me, are caught we can not escape, unable to choose, or walk away from these companies. 
This statement is only the beginning of my revelation, of how I, a 100 % service-connected XXXX veteran, responsible citizen - has never been protected from the credit ecosystem, the CARES Act, the credit bureaus repeatedly requested to provide evidence and validation of erroneous accounts.

They have violated my consumer rights and financial stability. I can not purchase a home of my own as I am entitled, through the VA and Department of Defense. Care for me as our financial institutions! The following lenders, collection agencies, thieves, con-artists, and other bullies in the credit game are being, and will continue to be, exposed for all the reasons I have stated thus far, and per my rights under the FTC, FCRA, FCBA, FDCPA, Attorneys General, Veterans Administration, Department of Defense, Local, State and Federal Government and the media ( all accounts except 4 are included on the attached FTC ID Theft Reports. The other 4, are in violation of the CARES Act and continue to report inaccurate data to the credit bureaus, despite constant communication with each ) : 1. XXXX XXXX 2. XXXX  XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, {$2100.00} 5. XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX, Collection Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , Creditors & Credit Bureaus Reporting in Violation of CARES Act & Terms of Negotiations/Agreements During Worldwide Pandemic 1. XXXX XXXX  - 2. XXXX XXXX  3. XXXX 4. XXXX XXXX
Product: Credit card or prepaid card

The plaintiff is XXXX XXXX XXXX and they are represented byGoldsmith & Hull.I received a notice from my job concerning wage garnishment from this company about a credit card from 2001, if this is correct about a credit card why did they wait 21 years to try to collect $ XXXXthe original allegedly debt is $ XXXX XXXX  is no longer in business, if this filing on behalf of XXXX is true what is the statue of limitations in California, I asked them for a validation and they told me they will not provide me with one.The statue I was told is 3-6 years.Please help me with this matter, I am still dealing with the death of my wife who passed away in XXXX.Thanks
Product: Checking or savings account

I HAVE HAD A FREE EXPERIAN MEMBERSHIP SINCE 2021 AND DECIDED TO TRY OUT THEIR DIGITAL CHECKING ACCOUNT, BUT I AM EXPERIENCING BAD CUSTOMER SERVICE AND I CAN NOT TRUST THIS BANKING SERVICE. SINCE I HAVE OPENED THE ACCOUNT, NONE OF THE AGENTS I SPOKE TO CAN FIND MY ACCOUNT AFTER GIVING ALL MY INFORMATION INCLUDING PERSONAL INFORMATION INCLUDING BIRTHDAY AND SOCIAL SECURITY, THERES BEEN CHARGES ON MY ACCOUNT THAT THEY CAN NOT TELL ME WHERE THE CHARGE CAME FROM AND THEY WILL NOT ALLOW ME TO CLOSE MY ACCOUNT STATING THEY CAN NOT FIND IT WHILE ITS AN ACTIVE OPEN ACCOUNT. AT THIS POINT I JUST WANT TO CLOSE THAT ACCOUNT AND EXPERIAN IS NOT ALLOWING ME TO DO SO EVEN THOUGH THEY ARE SAYING THEY CANT FIND THE ACCOUNT, I FEEL LIKE I AM BEING SCAMMED AND HELD AGAINST MY WILL WHEN ALL I WANT TO DO IS CLOSE MY ACCOUNT AND CUT TIES WITH EXPERIAN DIGITAL CHECKING, PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2016 Comenity Capital/XXXX had pull a hard inquiry on my XXXX  Credit report. I have no knowledge of this inquiry nor did I give the authorization to pull my credit report therefore this is invalid.