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

I hope this message finds you well. Despite our numerous previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to remove the accounts : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Mortgage

On XX/XX/23, I paid my mortgage by phone as I do every month. I got paid that following Wednesday the XXXX. When I needed to access my money, my debit card was denied. I didn't know how this could happen since I had just gotten paid. I checked my account on line and I was over {$1000.00} in the red. I scrolled down and found that my Citizens Bank Mortgage had withdrawn my mortgage payment 2x 's on the same day. I contacted the mortgage company on the XXXX, to let them know their error and they told me to email them a copy of my bank account, which I did. It showed their double payment. They said they were going to investigate and if they found their error in their system it would take 9-10 days for me to get my refund. I told them I couldn't wait 10 days, I couldn't pay my bills, I had bills coming out of my account and for each bill they gave me an overdraft fee of {$35.00} and a sustained overdraft fee of {$30.00}. Now totaling over {$200.00}. I contacted the XXXX XXXX XXXX and filed a complaint and within 2 days a man from Citizens Bank Corporate called me and told me he was my advocate. He was going to make sure I got my money back in 2 days. It never happened. He gave me his email address so I've been asking the status 2 times a day and no reply. This has been since Monday the XXXX. Today is the XXXX and still no reply. I have not gotten any money back. The bank manager in XXXX XXXX said she was going to cancel all of my overdraft fees, that never happened. I'm still {$650.00} in the red. I don't know what else to do, they are saying they will give me my money back, but they're not doing it. I won't be able to pay my XXXX mortgage, so I asked if they would wave it for the month. The corporate guy, XXXX XXXX said he would bring it up, but he doubts they will forfeit a month, yet they haven't done anything to reverse this. My credit score has been affected, I'm not able to put food on my families table, I have no money to shop and at this point in my life, I'm XXXX my husband is XXXX and I have a XXXX XXXX XXXX daughter with cerebral palsy that I am her sole provider and caretaker. All of my bills are past due, I can't even pay my gas bill and soon they will shut me off. They took {$2200.00} two times. Please help me.
Product: Student loan

I was placed on administrative forbearance during Mohela 's transition to new platform. Subsequently they capitalized my outstanding interest, {$29000.00}. I did not request this forbearance.
Product: Payday loan, title loan, personal loan, or advance loan

Once again, having issues with Empower.

I was willing to give them the benefit of the doubt this time but their company has now ruined my credit. 

I had my checking account connected to make payments. The account was disconnected AGAIN. I also can not make payments with my credit card. They have counted me as late, but how can I be late if I have no way to pay them?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response to one of the many disputes I submitted to Experian. On the response Experian stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Experian and XXXX XXXX several times since XXXX. Experian is reporting the bankruptcy date as XX/XX/XXXX and an account for XXXX XXXX XXXX  that says it was included in the bankruptcy but with a date of XX/XX/XXXX. This is proof that information is not being verified or validated by Experian. This is one of the accounts that I disputed and received a response back that the information had been updated. Experian states on the credit report, the bankruptcy information is being supplied by XXXX XXXX. I have included attachments of the credit report pages with this information.
Product: Mortgage

In XX/XX/XXXX my Heloc was transferred to 21st Mortgage Corp . I started making my payments to 21st Mortgage Corp by autopay as i was with the previous financial institution. I have never ever been late on any of my debt this includes my mortgages, car loans, credit cards, my credit is outstanding and always has been. 

OnXX/XX/XXXX 21st Mortgage withdrew my payment but did not post it because i was in the middle of a loan modification. They told me that my payments would not report late as long as i keep making my payments, which i did, never went late. I have asked 21st Mortgage Corp to make the correction, they said they would look into it and get back to me, i have yet to receive a response
Product: Student loan

I am currently in XXXX XXXX, but I work for a local government and will qualify for public service loan forgiveness this fall. My account was switched to " in-school deferment '' status in XXXX. I first messaged Mohela to request that the in-school deferment be permanently removed from my account on XX/XX/23. When I messaged, it stated that my message would be responded to witXXXX XXXX XXXXess days. It was never answered. I placed follow-up calls to Mohela on XX/XX/23, XX/XX/23, and most recently, XX/XX/23. On the last call, the rep stated that she put in the request to have the deferment cancelled, but it would take 2-3 business days. This is the 3rd business day and it is still there. I have faxed and messaged multiple requests to remove the in-school deferment and to revert XXXX and XXXX to XXXX forbearance. The request I sent on XX/XX/23 is marked in my file as APPROVED and XXXX and XXXX are now listed as qualifying payments, but my account is STILL on in-school deferment status. XXXX and XXXX should be my XXXX and XXXX qualifying payments, yet Mohela is refusing to cooperate so that I can make my last two loan payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my first dispute letter to Experian, challenging the accuracy of certain accounts on my credit report. Instead of properly investigating, Experian simply updated and reverified the accounts without providing the required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). 

To follow up, I sent a second dispute letter on XX/XX/XXXX, requesting MOV once again. However, on XX/XX/XXXX, I received that same letter returned to me unopened, proving that Experian never reviewed or responded to my request.

This is a clear violation of the FCRA, which requires credit bureaus to : 1. Investigate disputes within 30 days ( or 45 days in some cases ).

2. Verify the accuracy of reported accounts or delete unverifiable ones.

3. Provide the consumer with the Method of Verification upon request. 

Furthermore, on XX/XX/XXXX, I submitted a CFPB complaint ( ID : XXXX ), which seemingly triggered Experian to open a dispute internally. Then, on XX/XX/XXXX, Experian issued dispute resultsdespite never reviewing my XX/XX/XXXX letter. 

This strongly suggests that Experian did not conduct a proper investigation but instead responded to my CFPB complaint in bad faith, while completely ignoring my written disputes sent via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XXXX i submitted a dispute to Transunion in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the XXXX data breach and it seems as though Transunion is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and that date was well over the gven 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit report, I noticed the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

They run me around in circles doing the same thing repeatedly. Never a result helping me log in. Have sent numerous photos of id and personal info. I am currently back in the XXXX hour waiting for clearance. Every time they give me a password it does not work and the whole process starts all over again and again for the last XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX US BKPT CT XXXX Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is very unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I signed up for an online fitness program from a company named XXXX, during the signup process the person said sign here check here, initial. I never told them I was unable to pay or I needed a payment plan, I was very clear I was more than capable of paying. But I was unable to start as the medication I just started made me dizzy. I informed them and I told them I could not start. They said we are sorry to see you go. Then I got messages and texts XXXX after the other saying your Affirm loan was past due, at the same time I got a credit alert saying my credit score went down, my credit score for the last XXXX years had been mid XXXX, and it had gone down to XXXX, it said unpaid loan to Affirm, that was due for XXXX company. I called Affirm, and every time they said don't worry this is a scam, will correct it, I same answer, but the customer care calls, were, from, XXXX, the XXXX, and all over the world, but the answer was pretty similar, this is a scam, we are sorry. But now they say I am responsible, as the XXXX company rules and they can not do anything. There are so many complaints and legal actions taken by consumers, there is a class action lawsuit by shareholders, but they just don't care. They just ruin innocent people 's lives, it took me so much effort and hard work to have an XXXX credit score. You are there to protect the consumer.I hope you look into the matter. 

" As of XX/XX/XXXX, XXXX was the lead counsel in a securities class action lawsuit against Affirm Holdings , Inc. ( Affirm ). The lawsuit, filed in the United States District Court for XXXX XXXX XXXX XXXXXXXX XXXX, claims that Affirm misled investors about the risks and benefits of its services, as well as its compliance with consumer protection laws. The lawsuit was filed on behalf of people who purchased Affirm securities between XX/XX/XXXX and XX/XX/XXXX. The lawsuit also claims that Affirm 's public statements were false and misleading, and that the company was exposed to a higher risk of regulatory scrutiny ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} 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
Product: Credit reporting

Equifax and XXXX refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax Equifax and XXXXcredit report
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account name : XXXX Formerly XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX
Product: Debt collection

XX/XX/XXXX threatened to sue me. Serve me with a lawsuit if I did pay. Previously would not tell me who I owed money to or what transaction were made to cause me to owe money. They have called multiple times daily since XX/XX/XXXX. Including after XXXX. They have call my job after me asking them not 2. They also have not provided me with information on how to dispute this debt. I have voicemails.
Product: Bank account or service

Initially, I went to make a purchase through XXXX that subscribes to a service called Verified by XXXX, to complete the purchase you must provide your password, which I entered, and entered again and again and it was n't accepted. I then tried to reset the password and provided all the needed info, again multiple times, each time it was rejected. Since it was declined, I went and purchased the items elsewhere on a different card. Then I find that they went ahead and completed the transaction even after all the rejections and telling me I was providing wrong info. I then sent a message to Compass Bank through their on-line banking system, which they deleted. Sent another message about it, and have continued to send messages daily to the bank for a week now. Each time I send a message, I get a response stating they will try and respond within one business day, it is now at XXXX messages and not a single response. Have a feeling they want me to call and deal with this over the phone as that provides them with deniability as there have been other issues in the past. i.e. I signed up at Compass Bank under an offer that was mailed to me which promised free checking for life. A couple years later they changed this and started charging me, when I challenged them on this, they asked for a copy of the letter, my reply was that they had attached it to the original paperwork opening the account. I then called another branch and asked if they maintain the original paperwork on accounts and was told yes. I then proceeded to the original bank branch and told them I had been told they maintain this paperwork, they replied 'yes, it 's a banking requirement ', but then I provided my ID and lo and behold, my paperwork had vanished ... ..and of course no offer was made to attempt to find it. Will add but a few of the screenshots showing that the messages have been sent acknowledged and ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to customer service regarding this issue and they would not help take care of the negative inquiries reporting to my credit report. 

Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Institution Information XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I mistakenly transferred an amount of {$5000.00} of XXXX from my Binance.us account wallet address : XXXX into my Blockfi wallet address : XXXX on XXXX XXXX AM XXXX. I realized funds did not make into my account and contacted XXXX for status of my deposit. I was informed that the transferred amount that was transmitted onto wrong network ( BSC ). I was unaware of the transaction being sent onto wrong network. I was told that there could be no resolution to retrieve my funds back. This was unacceptable so I'm filing a complaint. If Blockfi.com is a custodian of my crypto assets then they should be able to and have a process in place to retrieve funds that customers ' mistakenly transfer onto incorrect network which can obtainable by the private key to the wallet address. 
Transaction link : https : XXXX I am sure there are others that lost money through these types of transactions. So XXXX be XXXX can make changes to their custodian practices or process. But what they have in place now is unacceptable practices.
Product: Payday loan, title loan, or personal loan

I got the loan through west creek financial 8 months ago and gave them authorization to auto debit my account on the XXXX and the XXXX of each month on XX/XX/19 I noticed that the money was pulled out of my account. When I first called I was told my bank did it when I told them I gave them authorization not my bank and it is authorized for the XXXX not the XXXX I got a call from a supervisor who advised me that they send it 5 days early and cant help when my bank pulls it I again tried to exsplain my authorization is for the XXXX and they cant send it early when I went back to my bank statments this is not the only time and not the only fees I have incurred due to these illigal practices. I also gave authorization and made the 1st payment via debit card they started using my checking that my bank will always pay the over draft without my knowlede and said thats the way they do it as they require checking info on the applications. Today XX/XX/19 I recived a call from west creek financial at XXXX XXXX  then again at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were XXXX created accounts created on XX/XX/2022, which I did not apply for and there was one that was created a day before the XXXX. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.