23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My credit card account at American Express was closed over a year ago. In error I made two electronic payments through my online XXXX banking account on XX/XX/XXXX in the amount of {$1000.00} and one on XX/XX/XXXX in the amount of {$2000.00} both of which were cashed by American Express ( Please refer to copies of bank statements ) which have not been returned to me. I have spent over eight hours with several different American Express account managers, none of which will help me to recover my money. The last supervisor I spoke with told me that they could not help me as my account had been closed and that I needed to contact XXXX card to open in investigation. I told him XXXX card had nothing to do with the money and that American Express is the responsible party. He ended the conversation with a sarcastic " Good luck to you. '' XXXX also opened a dispute, however American Express refused to speak with a Third Party. Another supervisor I spoke with on XX/XX/XXXX XXXX # XXXX indicated that this problem occurred previously with XXXX cards and XXXX and customer funds not being returned or applied appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Product: Mortgage

After looking over my credit report, I noticed that there was a listing on credit report for a company by the name of  XXXX   XXXX  ( on some credit report s )  & Planet Home Lending ( on others  ),  which ar e   one in   the same. I noticed that they have me opening a loan with them in  XXXX   XXXX , in which I have never opened a loan with them. My initial loan in  XXXX   XXXX , was with another company as shown through the recording information via verifiable proof on t he Hillsborough Clerk of Court  's website, where all recording for mortgages and the like are shown. I immediately contacted    XXXX   XXXX    /Planet Home Lending and s poke with  XXXX  and explained to him the problem. I have contacted several people since that time,  XXXX  who represented herself as the supervisor as well as advised her of the situation,  XXXX , and I finally got fed up and sent an email to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  who is shown to be the President of   XXXX   XXXX  t/Planet Home Lending, with no response or acknowledgement. In the email I detailed my complaint as well as provided screenshots of their listing on each of my credit reports. Since I had n't received a response, I sent a follow up on  XXXX   XXXX ,  XXXX , still no response. Mind you, I was following up with customer service between these dates to see if maybe the email had been forwarded to another department to handle, but it had not been. I kept calling and spoke with  XXXX  again and explained this issue to her again, in which they are inaccurately reporting and explained I had not heard from their president in regardings to my issue. I forwared  XXXX  the email I sent to  XXXX   XXXX  at her request and she was to look into the issue and call me back. I learned after speaking with representative,  XXXX  today that per their credit department, they are accurately reporting and this is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted each credit bureau about inquiries multiple times but they havent initiated a dispute. 

Contacted them concerning updated and reporting only 1 address on my report. That hasnt happened
Product: Credit card

I am writing to file a formal complaint against Discover credit card for fraudulent misrepresentation in relation to a debt assigned to me. 

Issue : Discover failed to inform me that my endorsements would be used to present the instrument for cash value, and subsequently, they assigned the debt to me for repayment of their liability. This constitutes fraudulent misrepresentation, as I was not made aware of the true nature of these financial transactions and how my endorsements would be utilized. 

Discovers failure to disclose this information has resulted in financial harm and constitutes a breach of trust between the company and its customers. 

Legal Grounds : Discovers actions may violate the following laws and consumer protection regulations : 1. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. The Truth in Lending Act requires lenders to disclose the terms of credit clearly and accurately. Discovers failure to inform me about the use of my endorsements and assigning the liability to me may be a violation of this act.

2. Fraudulent Misrepresentation Discovers failure to disclose material information regarding the nature of the debt and how it would be handled constitutes fraudulent misrepresentation under common law principles.
Product: Student loan

I am writing to request your assistance in resolving an issue with my federal student loan repayment plan managed by Mohela. 
In XXXXXXXX XXXX XXXX, I requested to change my repayment plan from the XXXX XXXX  to the XXXX XXXX XXXX. Mohela confirmed that this change would be processed by XX/XX/year>. However, as of todays date, I have not received any confirmation that the change has been completed, nor have I been provided with any updates or further communication from Mohela regarding the status of my request. 
This delay has caused significant concern as I want to ensure that my payments are aligned with the XXXX XXXX XXXX moving forward. I have attempted to contact Mohela multiple times to follow up, but I have not received a satisfactory response or resolution. 
I kindly request your assistance in investigating this matter and ensuring that the requested change is processed promptly. Please let me know if additional information or documentation is needed to assist with this case. 
Thank you for your time and attention to this matter. I look forward to your response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for fraud!
Product: Credit reporting or other personal consumer reports

The creditor is reporting an incorrect balance on my report and is also reporting the incorrect original creditor on my report. The incorrect creditor is also reporting incorrectly on my account. They are stating XXXX different original creditors and XXXX different open dates.
Product: Credit card

On XX/XX/year>, I was notified by XXXX that there was unusual activity on my account. I called them immediately and after hours on the phone, being transferred from person to another, I was told that a transaction was made to a XXXX XXXX in the amount of {$2100.00}. I never Authorized or made any such transaction! I opened a case against this disputed amount with their Resolution Center. I immediately called my Credit Card Company and cancelled my credit card, told them that I had been hacked for that amount. I was issued a new card and have been trying to resolve this problem with both XXXX and Barclay Credit Card. My request for verification of what this transaction or services was for are being ignored. They state they have documentation provided by the merchant, but they have not shared that with me. 

In the meantime, I have done my own research and find that : on XXXX XXXX has an XXXX page in XXXX and I made a copy of that. This is pure hacking and I refuse to pay the Credit Card Company. They have now notified the XXXX XXXX XXXX which will effect my credit rating. I hope that you can help me find a resolution to this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion for a validation of the creditor, I have requested for all paperwork from the original creditor to be sent to me. Section 609 states that I have a right to ask for this information that was received by the bureau Transunion has yet to send me this information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. Experian credit bureau is reporting information on my credit report that is false. I have proof that these are false. The 3 major bureaus are all report different information on the listed accounts. I have tried to get Experian to request information and original document form the companies and I have not received anything. They just say " Its verified '' but do not provide lawful proof. I have sent requested letter certified and still get the same response. I want proof that the companies that are reporting information about me to Experian are actual document holders with my signature and that all information reported is accurate and correct. If they can not provide proof then it could be just anyone saying anything they want about me with vindictive motives and that information needs to be removed immediately. 

1st time asking for information was online on XXXX 2nd time requesting information was online on XXXX 3rd time was via certified mail on XXXX ( Results are in with same answers and no proof ). 

The accounts are listed in the letters I have sent and I am providing them here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your help in this matter!
Product: Student loan

I have tried to work with my current student loan over a couple of years to receive contact information the the bank that holds my loan or to understand why I can not receive that information. I have not been receiving statements or information about my loan for several years & my student loan company has not providing me information. I recently reached out ( again ) to the company to understand more about my loan & my current interest rate. It took 2 months of run around to even get access to my account and when I did, I was shocked to discover it was XXXX points higher than I believed. I have asked to receive information about the interest rate or contact information for the bank that holds the loan. I was told I could n't not have it. ACS, as the servicer of the loan, could not make any changes, and did not have any information or contact to discuss the loan with the holding bank. I was repeatedly told I would just have to " find another bank. '' I do not understand why I can not speak to my current bank about my loan and potential changes, before seeking out another bank or refinancing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX for XXXX and XXXX XXXX for XXXX. Both items are appearing on my Transunion and XXXX reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX which has yet to removed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the fraudulent accounts reported below are a direct result of said theft. I've sent in documents to support my claim. Chex Systems has inaccurate info on my consumer report, a name that i've never been know by and a completed different SSN and address is listed that i've ask them to remove and they have refused to.
Product: Credit card or prepaid card

I entered the XXXX XXXX XXXX XXXX on XXXX XX/XX/2017. At that date, I had a balance of {$24000.00} on my Wells Fargo ( WF ) Visa credit card. At the time of entering XXXX XXXX under Title 10 of the U.S.C., I provided WF with a copy of my Orders. WF acknowledged receipt of these Orders for my checking and mortgage account, but after nine months have still not applied the SCRA benefits to my credit card, which oddly enough is the only account that stands to benefit from the SCRA 's protections. I contacted WF about the incorrect interest rate in XXXX and again provided them with a copy of my Orders because they " never received them, '' even though they could see that my checking and mortgage accounts had the SCRA protections on them. WF now acknowledges via telephone that they have all of the needed documents, but are " still processing my request. '' As of this writing, they have been " processing the request '' for a month and a half. Since entering XXXX XXXX, I have not used this Visa card for any purchases, so all interest accrued on this card should have been capped at the statutory cap of 6 % rather than the previous 12.75 %.
Product: Mortgage

I have been attempting to assume a mortgage loan from Nationstar Mortgage since XXXX 2015. During the process there were various documents that I needed to supply to the loan assumption department of Nationstar Mortgage. Documents included Loan Application, Rental History, Bank Statements, Tax Info and Title info. Please note that Nationstar did not or has not provided a telephone number that leads directly to the Loan Assumptions Department. Nationstar only provides a mailing address and fax number. 

Starting in XXXX of 2015, I sent the initial completed loan application to Nationstar via certified mail. After about a month I received a mail notification from Nationstar stating that pages were missing from the application packet. I resent the missing pages via certified mail again. Month after month I receive mailings from Nationstar stating that they have not received several documents. I resend information over and over again via certified mail, email and and/or fax. Time after time I receive mailings stating that I am missing documents. 

Today I received a mailing from Nationstar stating that they have not received XXXX last document and if they do not receive it in the next two business days, they will close the case. 

This is extremely frustrating because Nationstar does not provide any way to confirm receipt of documents and there is no one to speak to for any feedback whatsoever. It is now XXXX XXXX 2015. The process began in early XXXX 2015. There is no one to call. Email messages are not replied to and fax gets no replies. I have sent documents via certified mail, email attachments and fax. I do not know what to do next. Nationstar Loan Assumptions will close the case in two business days and there is no one to assist me and no way to confirm that Nationstar has received any documentation. I have no clue of what can do to move forward.
Product: Credit card

I purcahsed XXXX item in XXXX online my order total was {$300.00} some of the items were backorder {$38.00} my credit card was charged {$410.00}. I have been calling the company since XXXX about this and wrote a letter on XXXX providing them with copies of my online order and the details. I have ask them for details as to what was in the orders that they are charging me for since the statement only has the amount being charged. I haven't received that information. I have paid the interest and late fees for the first month. Since I talked to them I don't feel I owe more late fees and interest charges, how can they expect me to pay for items that I never ordered or received. On XX/XX/year> I also ask for my credit card to be closed.
Product: Credit reporting or other personal consumer reports

On my profile in the EXPERIAN credit bureau, it states an account by the neame of XXXX XXXX  that {$2700.00} has been charged off/ written off/ past due. 

I have submitted letters to validate the alleged debt. The following information has been requested already : Agreement with your client that grants you the legal authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. Complete accounting and itemiz
ed statement of alleged current debt balance and how it was calculated Commission for debt collector if collection efforts are successful. 

Proof that I am the alleged person who owns the debt, or incurred that debt
Product: Checking or savings account

My son received a check from a law XXXX but since he's an a XXXX facility we sign a power of attorney documents and then I open an account online on my son 's name then when check arrieved I deposit de check on the ATM machine, now the bank is refusing giving me access to the account due to suspicious activity on his account. I proof with the bank in person and by phone who I'm with documents many times for the las 6 months and they still refusing giving access to the account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Payday loan, title loan, or personal loan

Received an actual check and letter mailed from Regional Finance to my address. The check is deceptive and is intentionally created to easily fool and take advantage of others by not realizing this is a personal cash loan. This was a pre-approved cash loan offer for {$2400.00} which I did not apply for. The sole intention of this letter and check is to take advantage of others especially stating to deposit the check at any bank. Monthly statements will also not be issued, causing victims to not realize this is not an owed check to them, but they are instead entering into a loan unknowingly and unwillingly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. 
Will you please remove from my Experian report. 
Address XXXX XXXX Address XXXX XXXX