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

XXXX DEMAND NOTICE Date : XX/XX/XXXX VIA CERTIFIED MAIL Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : FINAL NOTICE - IMMEDIATE ACTION REQUIRED Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX Documented FCRA Violations Credit Profile Discrepancies ( As of XX/XX/XXXX ) XX/XX/XXXX Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) - Account # XXXX reporting inconsistencies - Last payment date discrepancy ( XX/XX/XXXX vs XX/XX/XXXX ) - Missing original balance information - Different loan terms reported XXXX. XXXX XXXX ( {$12000.00} ) - Account # XXXX - Loan type discrepancy ( Auto Loan vs Lease ) - Payment history inconsistencies- Different reporting dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXXXXXX XXXX ( {$6100.00} ) - Different account numbers reported - Inconsistent payment history - Varying charge-off dates- Different past due amounts FCRA Violations ( 1681 ) 1. Accuracy Failures ( XXXX ( b ) ) - Inconsistent balance reporting - Different account statuses - Varying payment histories XXXX. Investigation Failures ( 1681i ( a ) ) - Failed to properly investigate disputes ( XXXX ) - No response to written disputes- Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) - Failed to maintain consistent reporting across bureaus - Different personal information reported - Inconsistent account details IMMEDIATE DEMANDS : 1. Remove all fraud alerts impeding website access 2. Correct all inaccurate information within 3 days 3. Provide written confirmation of corrections 4. Compensate statutory damages ( {$14000.00} ) Failure to comply within 3 days will result in immediate legal action seeking maximum statutory damages, actual damages, punitive damages, and attorney fees. 







NOTICE : A separate civil complaint will be filed for identity theft damages. 


Respectfully submitted, Authorized Representative of D-EDWARDS TRUST XXXX : XX/XX/XXXX : Consumer Financial Protection Bureau Federal Trade Commission
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Incorrect Name- XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Circuit Court of the State of Oregon Foreclosure, with no prof of claim BK ruling. 
XXXX XXXX XXXX. 
Deutsche Bank National Trust Company Your investigation earlier found this note that wasnt theirs.

In 2010 Bankruptcy ruling stated that this note could never be collected upon again.
Product: Prepaid card

Hi, Happy Holidays, Please refer to my previous complaint XXXX it is the same company, I used my card for an online transaction of {$61.00}, when I tried to make another transaction it was declined, I called their Customer Service on XX/XX/2023 requesting a copy of my transactions, the representative said she will mail it out to my home address, until this minute I Never received any thing from this company. 
I called them out today they said they need copy of my DL, I mentioned to the rep that when I activated the card they got my Name, Address, Phone and Email, I asked her to send to the email or the home address she has on file the rep XXXX said she can not do that. 
I mentioned that after my first complaint they mailed the new card to my home address without calling or asking for any documents. 

This Company must be investigated and Audited as they are playing games and I am not sure if they are doing the same with other people. 

They are blocking accounts and declining transactions for no reason and resolve the issue with them it is Impossible to resolve. 

I do NOT trust this company for their actions, I asked to talk to a manager, they said they do not have a manager, what kind of company is this that they take my money any when there is an issue it CAN NOT be resolved peacefully, Please inform all departments of Federal to investigate and audit this company as it looks like they are either blocking or holding the balance and benefiting from this some how. 

This company MUST publish phone numbers for Fraud department and/or Executives in case public needs to resolve issues instead of getting the Consumer Finance office every time, this is unbelievable. 

If no action will be taken I will file a claim in court just to put an end for this disaster.
Product: Checking or savings account

I deposited money order ( s ) in 2019, sent to me by an employer, the employer turned out to be a Fraud, Bank of America cashed the money orders through ATM deposits as well as in person XXXX XXXX Bank of America on XXXX XXXX & XXXX in XXXX, California -BofA employed Teller then put a XXXX $ insufficient funds mark in my Account & closed it. I called them, wrote Emails to resolve & BofA ignored every call, every email, every time! I was a victim of fraud $ spent $ of my own, turned it into an FBI Fraud line & nothing has been addressed answered or acknowledged
Product: Credit card or prepaid card

The Debit card was issued by Money Network by XXXX XXXX XXXX for money placed in an account by the State of California for Middle Class Tax Refunds. My husband and I activated the card for the account that contained {$700.00}. On XX/XX/22, I used the card to spend {$82.00} at the local grocery store. On XX/XX/22, someone drained all the money from the account ( ie. they hacked the account ). I tried reporting this to the Debit card issuer, but could not get through their phone recordings even after XXXX minutes, and they had no option on the phone for money stolen directly out of an account. They only had an option if your card was stolen- which ours was not. 

In looking online to try to find out what else I could do to report this issue, I found that I am not alone, others in California receiving the Debit Cards for the tax refund have recently had their accounts drained also. There may be many others in California and it may involve hundreds of thousands of dollars of our tax money.
Product: Credit reporting, credit repair services, or other personal consumer reports

8 years ago someone stole my identity and purchased a vehicle under my name. I didnt find out till later because the person was actually making a couple months payments. Then I tell the creditor when I pull my report that it isnt mine and I never heard back from anyone. Later the car was repo and passed on to a collector without my consent and theyve been harassing and sending mail to my home for years and its also been affecting my life. Restraining me from moving forward in life and buying a home. Thank you to whom ever is reading this, this is my last hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.
Product: Credit card or prepaid card

Credit card company ignored exhibits I submitted as evidence of my dispute with merchant, their on line dispute platform failed to upload documents I submitted as evidence of my dispute. I had to reload documents after confirming with them that documents were not uploaded as their online platform relating false and incorrect data. 
The credit card company advised me of was an arbitration procedure which they refused to excercise and allow me the opportunity defend my dispute with the merchant. Included with this process the credit card company also failed to provide me with any exhibits they were provided by the merchant as a part of the dispute process. I have requested those exhibits which they have failed to provide as required. 

I was told by their billing dispute Dept that they would not accept exhibits from me in audio format from recordings I had provided them as evidence to support my dispute claim. They rejected my audio files and indicated to me that I would need to provide transcripts in pdf format of those files if I was submitting them with my claim dispute I provided those files and they ignored them as is evident by their dispute resolution result. 
I was also told that any pics previously submitted to support my claim even if submitted in pdf format would not be considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently tried to apply for a home loan. My lender advised that AES and XXXX XXXX  has reported that I was late on my payment from XX/XX/2015-XX/XX/2015. When XXXX   with student assist called the loan company she was adobes I never shld have been reported as late because I was on forbearance as my loan was being transferred from AES to XXXX XXXX. The home lender advised bc of it showing late even that long ago it affecting my credit report in a negative way. I tried to contact XXXX XXXX to get this resolved and the lady I spoke to wouldnt even let me explain the issue nor would she even pull up my account to assist me in fixing what is THEIR mistake!! She advised i had to submit a form so they could investigate and even then it could take them at least 30 days??? Unacceptable. I have never been late with a school loan payment and its not right its impacting me because of a mistake they have made. I did advise th rep that I would be filing a complaint with you and she stated thats fine.
Product: Credit reporting

I disputed the issue but Experian decided to remove the account without initiating a fraud alert. Issue : an account under a collector showed on my report. I contacted them and my social number didnt match with the name they had in file. The company who hired the collector, was closed and the owner is currently facing a civil action by SEC due to XXXX of dollars in frauds. They stole my social security number. Their company address is the address that appears under my social security number for the Experian collector account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, Experian and XXXX. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulrenable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requierments under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On or about XX/XX/22 I applied for a credit card and given a {$1400.00} credit limit, I used a total of around {$300.00} XXXX some change, my credit score went down they cut the card off for about 2 weeks my score went back up, so they turned the card back on for me to use, i requested {$170.00} cash they never sent the money, but added it to my balance and now says I owe {$51000.00}. I made a couple of payments totaling {$27000.00} since XX/XX/22 and tried to get the correct balance to pay them off in full but they keep saying I owe them {$510.00} eventhough I already paid them {$270.00} XXXX the XXXX XXXXXXXX change I borrowed, they refused to give me a correct statement balance, I've tried over XXXX calling asking for a manager, yet they keep saying I still owe {$510.00} which is not correct, it should be at most {$100.00} or less they refuse to give me a balance to pay them off at one payment, PLEASE HELP?
Product: Credit card or prepaid card

After the attached were sent, I kept getting calls from Comenity asking if I'd like to pay the amount owed for both XXXX and XXXX bills over the phone. I told them every time, there is a dispute going on. See the page from the bank statement that the XXXX bill was not only paid, but it was received 2 days before the due date. I mailed in a check, but they posted it as if it was done through a clearing house so I'm not able to get a copy of the check. As for the XXXX payment ( which was for the XXXX and XXXX bills ), I mailed a check for the {$640.00} payment on XX/XX/XXXX and as of today, XX/XX/XXXX, my bank statement still isn't showing receipt of my check, I received my XXXX bill from them ( I haven't used the card since the XXXX charges ) and XXXX was just more interest, fees and service charges added on. 

Comenity took over the XXXX credit card account from Bank XXXX XXXX in XXXX and one of the reps that I have spoken to said that since the take over, there have been problems. Also, I received ( as I'm sure other cardholders did ) a letter from the President of Comenity saying there are " intermittent problems ''. This seems to be a problem from their side, but yet myself and I'm sure other cardholders are left with the burden to prove that bills were paid.
Product: Debt collection

I had my name on a medical credit card ( with my father ) for an operation that I had many years ago. The card was paid off, and synchrony bank/care credit has continuously hounded us for more and more money over many years. They always go away for a little bit, then resurface demanding more money. Back in XXXX, they came after me again. I paid an agreed upon settled amount ( just to get it over with, or so I thought XXXX, and even paid the associated taxes for the remaining balance using the tax form that was sent to me for this. That should have been the end of everything, and for all of XXXX, I heard nothing from synchrony bank/care credit. I've noticed that my FICO score is significantly lower than my credit score listed elsewhere, which has significantly impeded my ability to apply for credit cards, comes up on background checks for apartments, etc. Well, while synchrony bank/care credit left me alone for all of XXXX ( their calendar shows as blacked out, nothing owed for the year ), they reappeared in XX/XX/XXXX and are still dinging my credit ( showing that I've owed them money all year ). I've received nothing from them in the mail and I know *for a fact* that I owe them nothing. I paid a settled amount and the associated taxes. It is insane to me that companies are able to do this to people. They've been ruining my credit and financial security for years and now, once again, they're resurfacing saying I owe them money again. This is illegal and must be dealt with at once. I've already disputed with them directly and with XXXX and XXXX, and this LIE is still damaging my credit. No one is doing anything. Please help.
Product: Credit card or prepaid card

Im writing for help to resolve an issue ( late payment reported to credit agency ) with my Gap Visa card through XXXX XXXX. 

As of XX/XX/2018 I had a {$0.00} balance on my credit card. On XX/XX/18 I made one purchase in the amount of {$64.00}. On XX/XX/2018 ( never received a statement ) I made a payment of {$30.00}. On XX/XX/18 ( again never received a statement ) I made a payment of {$30.00}. On XX/XX/18 wanting to make my final payment to bring my account to a {$0.00} balance I called the credit card company ( this call should be pulled XXXX XXXX  ) to get my balance and to make payment ( again never received a statement ). The automatic system said my account was past due and of course I was shocked so I waited for a representative. I was told that my {$30.00} payment made on XX/XX/18 was considered a partial payment and the minimum payment should have been {$38.00}. ( Since I never received a statement I did not know this ) or I would have made the minimum payment. To make matters worse ( without knowing ) my payment of {$30.00}. made on XX/XX/XXXX was considered a partial payment. With the rep on the phone we made a payment for the full balance. My main concern was that this was not being reported to the credit agencies and the rep said that we should not be worried because according to their system I was only one day late but he advised me to call back customer service to be certain. I called customer service at ( this call should be pulled XXXX XXXX ) as advised only to be told that my account was already reported as 60 days past due and there is nothing they could do about it. This is not right and the bank should update my credit file to reflect a {$0.00} balance and no late payments. I believe this is a bank error and obviously for having only a {$64.00} balance to begin with and my making payments in XXXX, XXXX, and XXXX this should not be reported as late. For all these reasons please help my get my credit report ( s ) to be updated to reflect no late payments.
Product: Student loan

Tonight, XX/XX/XXXX at XXXXXXXX XXXX., I received an email from Mohela alerting me that I was past due on my student loan payment ( attached ). This is the first time I was notified that I even had a payment due let alone that I was now past due. 

I logged into my Mohela account to make sure I did not miss anything. I looked at the loan information for both loans, and they both said I was past due and that my next payment is expected on XX/XX/XXXX, in the amount of {$260.00} ( {$130.00} for the current payment and {$130.00} past due ). I went to my messages in the website and saw a letter from Mohela telling me I was past due. The letter was dated XX/XX/XXXX. Mohela waited over 24 hours to even send me the email to let me know my account was passed due. What kind of business practice is that? 

Mohela never notified me of my SAVE application being approved ( applied in XX/XX/XXXX ), nor did they notify me that I would be taken off the administrative forbearance they put me on to process my SAVE application in XXXX ( CFPB complaint filed ), nor did they notify me of payment due on XX/XX/XXXX. In fact, on Mohela 's website, it states they are required to notify me 21 days before my bill is due. This never happened. 

As you can see by the documents I attached, Mohela hasn't sent me any letters or emails about a payment being due. The notification for payment due should have been around XX/XX/XXXX, and in my messages for my account, there is nothing. I logged in just before the end of the year to see if there was any update on a payment date or information. There was nothing, confirming to me that Mohela did not update my account. 

Mohela has violated my consumer rights by failing to notify me of payment due and then emailing me at XXXXXXXX XXXX ( after business hours ) to let me know I am now LATE, after placing me on a forbearance without even telling me why. Plus, I can't call anyone at this business because wait times are four hours each time only to get an agent who can't answer any basic questions. Mohela can not legally report it late to the credit bureaus due to the Dept of Ed 's on-ramp policy for the COVID pause so if I see a notification that this occurred, I will be back to file one again. 

This is an unacceptable practice especially if they are supposed to be the " experts '' in servicing of federal student loans. The company can not even complete the correct tasks of bill notification or responding to complaints with the right information. Mohela should be held accountable and heavily fined for their inability to do their job correctly and efficiently. The sad part is my tax money is being sent to pay this company. They have exposed how predatory and corrupt the entire student loan system is. Mohela is nothing but a for-profit entity gobbling up free tax money and providing lousy services to the citizens. It's time to cancel ALL FEDERAL STUDENT LOAN DEBT.
Product: Checking or savings account

Good afternoon, I see myself filling another complain with Chase. I disputed the charges on my account made XX/XX/2024. I received a chase fraud notification on my phone but unfortunately I was at work and didnt see it until later on. I am not content with the answer that chase provided me with. I ask for chase to reach out to me regarding this issue. When I realized the charges on my account I immediately called chase and submitted a claim over the phone with a representative not online using their self service as they claim I did. I request a transcript of that call because not once did I state that I had the card in my possession. Two of the reason that chase is giving are based off me having the card in my possession which I didnt not have. I dont understand how my own bank does not trust me and would think I would lie. If this issue can not be resolved I request to close my account as I no longer want to be part of a bank that wont trust me when something so horrible like this has happened.