23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I tried logging into my online banking with Wells Fargo and was unable to get logged on. I called the bank the banker said that an investigation had been launched. That money was transferred from my joint account ( XXXX ) on XXXX for {$2000.00} to my personal account ( XXXX ) as its been done for years on a payday scale ( every 2 weeks ) and the money was now being placed on hold. This causes a major hardship as this money as always has been used in covering bills The banker advised that it was being reported as fraud. I advised that there has absolutely been no fraud on either account and that all moneys were authorized. I requested that the history of these accounts and the history of it being done this way be taken into consideration and the funds be released as not to cause hardship. I was read a statement saying that I would be liable for this {$2000.00} which I express my objection to as this has been the norm for these accounts, also that no fraud was committed and I confirmed that as normal all transfers were authorized.
Product: Debt collection

On XX/XX/20, Barclay contacted me stating that I owe a debt to them. I am currently enrolled in a debt settlement program with XXXX XXXX and my settlement was paid in full to resolve this account. All payments were made to Barclay as agreed. Barclay refuses to acknowledge the settlement that was agreed on and continues to harass me for a balance that is no longer due to their company. I spoke with a manager named XXXX XXXX who was extremely unhelpful. They refused to verify to contact XXXX XXXX for verification of this debt settlement agreement. He refused to provide me with his supervisor 's contact information several times before he finally provided me with the name of his supervisor in which he stated was XXXX XXXX. I requested a fax number or email to make a formal complaint to his supervisor and he refused to provide this information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid XX/XX/2017, we have been paying the account outright.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX Balanced {$39.00} XXXX XXXXXXXX XXXX Balanced {$1700.00} XXXX XXXXXXXX XXXX Balanced {$630.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 card or prepaid card

I have recently submitted a complaint to have the card re-evaluated to be unfrozen, but for whatever reason, capital one is refusing to assist with this situation. The previous executive office rep did not do anything to address the problem. All she simply did was reiterate what customer service keeps telling me, instead of trying to assist me with a resolution or work towards a resolution. She was completely incompetent and unhelpful and did not try to assist. I want someone who is willing to work on a solution to get this unrestricted as I have consistently been making payments twice a month, the account is current and is far below the limit.
Product: Mortgage

I have been a victim of XXXX XXXX and therefore have been in a forbearance. I had requested a loan modification on two occasions- XX/XX/XXXX and XX/XX/XXXX. I was told in XXXX to continue the forbearance since my financial situation had not improved. In XXXX, I explained the same and 53 bank told me they would lower the interest to the Fannie Mae current rate and extend my mortgage by 10 years. Sounded great - however when I received the paperwork my payment INCREASED!!! I called and called and sent messages in the portal system- to no avail! The only thing I was told was we dont know I guess your loan is too new I pointed out to several people during this time in XXXX that the interest rate was NOT lowered. Nothing .... no help! 
So I am again in forbearance. 
I have since received multiple statements - all with different amounts including the change to my escrow due to forbearance- and all of them are different and conflicting. 
I have asked for help to explain- once again NOTHING. 
I keep getting told someone will contact me in XXXX to review my options and a deferment will move all the amounts to the end - once again THIS IS NOT HELPFUL!!!! 
I cant afford my payment- I need a lower payment!!! I need a modification- I cant afford for myself and my XXXX children to be on the streets! I have a ton of equity in my home and none of this was my fault!! Ive asked time and time again why arent they trying to help people not lose their homes!! 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by XXXX, XXXX and Experian. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even XXXX inaccuracy, which one is actually reporting correctly? I sent Method of Verification request letters to all XXXX bureaus certified mail which have all been received but only XXXX and XXXX have responded. XXXX sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the XXXX collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. XXXX simply continues to state the accounts are verified. Experian has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in inadequate and superficial investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is obligated to perform a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), any information determined to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Failure to comply with these legal requirements constitutes a violation of federal law. 

I respectfully request that XXXX take the following actions : 1. Conduct a detailed and thorough reinvestigation of the following disputed accounts or items : XXXX XXXX XXXX  2. Provide me with all documentation and evidence used to verify the accuracy of the disputed information. 
3. Promptly correct or remove any information that is inaccurate, incomplete, or can not be verified, as required by law. 

I expect a written response to this dispute within the legally mandated timeframe, including confirmation of any changes made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ). 
Your legal authority to collect this information. 
Your legal authority to collect the alleged debt. 
Your authorization to operate in my state. 
Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have reported inaccurately 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 I want reported accounts removed
Product: Credit card

I had a fraudulent charge for {$130.00} on my XX/XX/year> Citibank card bill. I called to file a dispute and they told me to pay the bill and they would investigate, which I did. They sent me a reimbursement check but added the amount back onto my account the next month. I have called several times with no resolution. Now i am being charged late fees and interest. When i call, they can never find my account and nothing is done except send me another bill. I did not order or receive what i was billed for in XXXX. They have offered no explanation of what they are doing and have no record of my numerous calls to them. Their security department has done nothing when i speak with them. I have called at least 5 times, spoken with supervisors, etc. Nobody knows or does a thing! Now with interest and late fees, the amount owed is about {$250.00}.
Product: Credit card

Citibank and I had been good partners they had a credit line and a card that were both reasonable and acceptable and their scope. And I always paid my bills on time. But they still without notice chose to close my credit card account leaving me in a tough financial situation. When customer support was contacted several agents refused to tell me the reason why they close my account, claim did not have access to that information. I find these claims to be incredulous, and unprofessional and it's weird that a bank wouldn't have information about account closures if they were the ones that have closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly re-inserted an account into my credit file without notifying me. I had disputed an account with XXXX XXXX XXXX 11 months ago and Equifax removed this account from my credit file, but then about 6 months ago they improperly reinserted the account without the notification required by law. I have since then attempted to get this improperly reinserted account removed from my credit file, but they have refused to do so. The account number is XXXX Balance {$3300.00}. This is not my account and I have provided Equifax with a police report, Identity Theft Affidavit, driver 's license, and my social security as I was supposed to do, and they have refused to act. It is a violation of the FCRA that they reinserted this fraudulent account into my credit report. I did not open this account and this account in no way belongs to me. <P/>Equifax also has my credit file mixed with ( 2 ) other peoples credit report and they have been made aware of this multiple times, however they refuse to separate the 3 files, I have many accounts on my credit file that do not belong to me. I have been able to determine that the accounts that Equifax has on my credit file belong to XXXX XXXX, and another individual named XXXX XXXX. Equifax has refused to resolve this matter. <P/>The following accounts do not belong to me and are not even under my social security number they are under a totally different persons, yet Equifax continues to report these accounts as belonging to me, and these accounts are as follows : XXXX XXXX XXXX Account Number XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX not mine not my social security number XXXX XXXX  XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX Not mine not under my social security number XXXX XXXX XXXX XXXX XXXX XXXX fraudulent account that was improperly reinserted after Equifax deleted. <P/><P/><P/>Fraudulent Inquires or Belong to someone else XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX  XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XXXX XX/XX/XXXX ( Not mine fraudulent )
Product: Credit reporting or other personal consumer reports

I have asked XXXX XXXX multiple times to validate and delete the false and now outdated information that they have listed on all of my credit reports. I have filed two prior complaints via the CFPB ( XXXX & XXXX ) and they still have not truly validated and deleted this erroneous information. 

XXXX XXXX stated in its response that its records show that the first day of delinquency for my account was XX/XX/XXXX and yet the car was first repossessed on XX/XX/XXXX and again on XX/XX/XXXX ( according to their own records which I have again attached to this complaint ). Obviously, the date of FIRST delinquency has to be before the car was repossessed the first time as you would not repossess a car that WASN'T FIRST DELINQUENT. The true first day of delinquency was the date I reported, which was XX/XX/XXXX. That makes this account over the XXXX years in age from the first missed payment. It is illegal to keep reporting it past this timeframe. XXXX XXXX is deliberately trying to keep this on my credit report by illegally re-aging the dates and by doing so, is causing me irreparable harm.
Product: Student loan

I believe the Nelnet is unfairly and possibly illegally putting borrowers in the position to have to potentially pay more on their student loans by forcing them to capitalize their interest into the loan by failing to advise on denied application for income base repayment. 

On XX/XX/2019, I submitted my annual recertification for the IBR and was confused on a particular question about access to my spouses income. I marked that I don't have access to her income because she is a XXXX   XXXX, and does not have income. This apparently required more information that they claim they emailed, called, and mailed to me and that I did not respond resulting in a denial of my IBR request. I found out today, XX/XX/2019, when I received a statement with an " incorrect '' amount. I have not received one email from Nelnet until today when the advisor I spoke to on the phone emailed me a correct application to sign and send back. I have not received anything through the mail except the monthly statements. And I have received no calls. I was informed that I could check on all this on my Nelnet account. After logging into this account, there is NO correspondece from them in any way, outside of statements. 

Now, in order to not become delinquent on my account, I am forced to file for a deferment while they process my application ( again ) which then allows them to capitalize on the interest. If they had actually contacted me anytime within the last 2 months to inform me of the issue, I could have addressed it in due time without having to require this deferment. 

This behavior is very shady. I know this could possibly seem like a roundabout scam but if they are doing this to me who else is being taken advantage.
Product: Payday loan, title loan, personal loan, or advance loan

My account with American Express is XXXX for XXXX, and the first payment due date is XX/XX/2023 for {$720.00}. 

On XX/XX/2023, I paid {$800.00} from my XXXX bank account. Please see the attachment ( It shows the amount of {$800.00}, payment sent to account XXXX, expected date delivery XX/XX/2023, biller name, payee name, payee account number, payment amount, File transaction date, payment effective date, trace number, and transaction ID ). 

On XX/XX/2023, American Express contacted me regarding needing to receive my payment on the due date. I then provided the above information thrice from my XXXX bank account ( XXXX ). 

I talked to the American Express customer service supervisor ( XXXX ) on the phone four ( 4 ) times and uploaded the above copy to the American Express account each time ( CI XXXX & CI XXXX ). 

As of today, XX/XX/2023, American Express still needs to provide me with an answer about what happened to the {$800.00} payment that I made on XX/XX/2023. 

I am concerned about the ability of the investigation department from the American Express Loan Department. I need an answer from American Express to let me know where my payment of {$800.00} is and why it was not credited to my loan account. 

If there is no response from American Express, I will move forward to submit it to the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted XXXX documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to disability papers. EVERY TIME I call equifax they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many XXXX  not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me XXXX  verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to equfax by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XX/XX/XXXX its always been there. This isnt true. Equifax has failed to give me how it was added in XXXX. I want proof XXXX  initiated adding it recently. If they did not. It needs to be removed. Please equifax dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX  stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX  states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XXXX and XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XXXX to XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I reached out to cash app to get a problem resolved with an account I don't have access to. Today is XX/XX/2023 and I have yet to receive reimbursement, let alone help accessing my previous cash app account to receive the {$65.00}. I've called cash app 7 times in 2days and reached out through the app to recieve help as well and No one has answers nor problem solving techniques when it comes to this issue.They all tell me the same thing It's nothing that they can do even though I have money in my account and my social security number is connected to it. They won't even refund the money to the people who transferred the money. They were told to have me reach out to get help with accessing the account but no one is willing to help.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX Balance {$64.00}