23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I attempted to purchase baseball tickets advertised through XXXX. The purported seller contacted me via email and text, including instructions on sending payment through Moneygram. Long story short, she claimed the {$1400.00} I sent her, disappeared, and never sent the tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, A Bankruptcy reported on my credit report. A numerous of dispute letters, call, and faxes was sent credit bureau. 
I am writing to dispute the following information that appears on my TransUnion consumer report : U.S BANKRUPTCY COURT Ive contacted the Bankruptcy Court, received letters from the court and forwarded to Transunion stating that the Bankruptcy was not verified as mine. As the debtor has not verified. also, there was no written form of communication, contract, or signature for this accrued debt. A letter without my signature does not validate that his bankruptcy belongs to me. According to the FCRA Transunion has violated my rights as a consumer and Im requesting legal action to remove this public record immediately,
Product: Credit reporting, credit repair services, or other personal consumer reports

All negative accounts on XXXX  report is fraudulent with no proof of ownership.also all 17 inquiries. 
Equifax is also exploting fraudulent accounts with no proof of ownership.also inquiries.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXXr system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX.
Product: Debt collection

I have a medical bill from XX/XX/2018. Nothing was owed at the time of service as instructed by my care providers. I never received a follow up bill in the mail and was not informed of an outstanding bill on my account which I would like to pay off. I received a call from RMP collections about two months ago - the agent on the phone did not state what company they were calling from, what the bill was owed for, that there was any option to dispute the bill, or even the name of the agent. They requested that I make payment via the phone immediately - I found this highly suspicious and asked that they send the bill to me via mail which they seemed very agitated about. A week later I received a barley legible copy of a financial report, here I was able to discern that it was for an unpaid medical bill. I called the clinic and attempted to pay explaining that I had never received the original bill, I believe they sold my debt instead however to RMP and I would like to dispute the bill. I'm happy to pay for the medical services but do not feel that the charges for RMP collections write off are valid.
Product: Debt collection

I am a victim of identity theft, I never authorized these accounts. These accounts are hurting my credit score and I being victimized by the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Product: Mortgage

Received letter from Bank of America XXXX XXXX says case XXXX said she was my direct contact except Did not include phone number location Tried calling return address was bounced all over country Last person said XXXX XXXX took over case. Will call me back. NO ONE has ever called me back Including numerous numbers different parts of country Only crooks go to this extreme to cover up forging FHA mortgages.
Product: Debt collection

Sent me a bill and nothing else Ive made multiple contact attempts and have heard nothing back
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
Product: Student loan

I went back to law school as an non traditional student and a mother. I graduated in 2010. I immediately started verifying my education for the PSLF program. I am on on IBR program. I have worked for the XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I made 120 payments in XXXX so I should be eligible for loan forgiveness. I turned in what should have been my final Employment. Verification Form in early XXXX. There has been no movement on my counts or moving me towards discharge. I discovered that the form needed to be submitted electronically because they are not processing manual forms. So I did in XXXX. My accounts updated to XXXX because of the XXXX transition of Mohela. 

We were told that the transition would not affect PSLF. I asked for buyback but resigned myself to paying 2 more months. 

Mohela put me in a year long forbearance so I can not pay those two months. I have asked repeatedly to please be removed from forbearance. I received a notice today that my forbearance dates have changed- the moved the dates up five days. I am desperately trying to finish my payments so that I can be forgiven. 

As an aside, they took two months payments XXXX and XXXX. But they do not count because of the forbearance. I desperately need someone to help me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Take a look at the attached documents ; the reported personal information does not match mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in : a similar manner.
Product: Bank account or service

I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned.
Product: Debt collection

I did not apply for a pay day loan. I was defrauded at the XXXX banking instution and closed my accounts due to this non stop fraudulent activity. I was alerted by the credit karma that there was a new item on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX # XXXX is reporting a collection for Money Key # XXXX. I have also been contacted by XXXX XXXX with XXXX XXXX XXXX XXXX stating I owe this money regardless they have the wrong mailing address etc, I asked for tangible documents to be sent to me to file a complaint and he hung up on me. I then contacted XXXX XXXX and spoke with XXXX who stated that they outsourced the collections to XXXX XXXX and that I should ask for a supervisor. I dispute the validity of this collection item and want it closed and removed from my credit files.
Product: Checking or savings account

I sent in emails with a copy of my social security card, drivers license along with my partner as well with a past bill from XXXX XXXX. I sent the doucuments on XX/XX/XXXX In which they say I didn't but I did and every time they say I have to wait 48 hrs. I've called everyday discussing the importance of me receiving my funds when my bills are now due and I can't provide for my family I have to pay people to sit with my mom because she has XXXX and she don't need any thing to worry her. This process has took a toll on me mentally and physically. I'm very stressed out due to this process I'm going through with this bank account. When if they had a problem with XXXX  sending back the payments in my partners name then I believe that they should have sent it back to XXXX  but clearly I made the payments from my debit card XXXX  just sent them back and put them in my partners name XXXX XXXX I sent a statement from him acknowledging he was aware that XXXX sent refund in his name and there's no promblem. So I have been waiting since XX/XX/XXXX for this to end and it hasn't every time I called they can't tell me anything but a 48 hours they can tell me something and it never happen I've sent emails and never gets a response so this is why I'm filing this complaint with CFPB
Product: Student loan

Nelnets website has been having technical issues. They requested I set up autodebit online and the option is unavailable. The entire site is currently down. I have submitted my pay stubs multiple times and they have yet to update it in their systems. Trying to make a payment of any sort is also impossible. I have been calling their phone and I have sat for HOURS and have been unable to reach a representative to solve these issues. I work in credit repair, and I know what a late payment can do to your credit scores. They simply do not care. They want to rake in money without paying employees to man their phones or fix their site.
Product: Credit card or prepaid card

I signed up for the American Express SPG Luxury card based on the advertised promise that I would receive one ( 1 ) XXXX point certificate a year, starting after my anniversary date. 

The fine print says : " The Free Night Award will be automatically deposited into your XXXX XXXX member account 812 weeks after your Card Account anniversary date in the form of an e-certificate. '' This is false. My anniversary date was XX/XX/XXXX. 12 weeks would have been ~XXXX. I contacted American Express on XX/XX/XXXX and they apologized and said it would be issued soon. I have contacted the multiple times since then, including this morning XX/XX/XXXX, nearly 4 months later, when they apologized again and now say I need to call the number on my card to look into this. This is certainly not my definition of " automatic. '' In these months I had to alter my travel plans since I was not provided the certificate in the time frame advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries being reported on my credit file that do not belong to me
Product: Debt collection

Transworld systems is reporting a XXXX XXXX  account on my credit report that is in collections from 2021. We dont have XXXX XXXX, we have XXXX XXXX  XXXX at my house. I asked them to remove this and they refused.
Product: Debt collection

TRS is attempting to collected a Debt that is not mine, I have attached my Identity Theft report
Product: Mortgage

I am a home owner and I make my payment electronically every month without fail. I received an email on XX/XX/XXXX telling me that my lender is adding a {$3.00} fee for this type of payment. And the only way to avoid these payments will be to register for automatic payments from my account, or to pay by check. I have no interest in using automatic payments and think its very inappropriate for my lender to force me to do so. I will have to begin paying by check which is an outdated and slow process that can lead to late fees. Now I will have to write and mail a check BEFORE I get paid to ensure my payment is posted on time. 

If I was not paying attention, and many people don't, these fees would add up to more than {$1200.00} over the term of the loan. This kind of revenue stream is predatory in nature and is designed with only the bank in mind and complete disregard for the consumer. 

It's unfair and should not be allowed. I hope the CFPB hears from other homeowners and requires Caliber to reverse this policy immediately!
Product: Credit reporting or other personal consumer reports

My loans were part of XXXXXXXX XXXX XXXXXXXX. Ive provided legal documentation several times indicating the trade line needs to be removed completely per the settlement agreement, theyre refusing to do so, my score dropped XXXX points since my loans got XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 



In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 



The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 



As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and companies listed have violated my rights 15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPAA violation breach ; there are medical collections on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I completed the application for public service loan forgiveness in XX/XX/XXXX following 12 years in public service. I have spoken with Fed Loan Servicing several times since completing my application asking for explanations of why most of my payments were not accepted. They told me repeatedly they were not done reviewing and would be in a month or two. I would call again and get the same answer. When I called today I was told they finished reviewing, though they had made no changes since they told me over the phone, when I called in mid XXXX following receipt of a letter dated XX/XX/XXXX, they would be done reviewing at the end of XXXX. They finally told me today they would review no more. 

I am not sure what course of action to take at this point. Any direction you could give me would be appreciate. 

The following is an email I sent to fed loan servicing today after I was told they reached a final conclusion and would review my previous loans no longer : " My name is XXXX XXXX, date of birth XX/XX/XXXX. I am writing to request my loan payment be reconsidered for eligibility based on the new regulations of the Temporary Expanded Public Loan Forgiveness guidelines and because I believe some income based qualified payments were not counted. 

I began repaying my student loans to American Education Services in XXXX. Initially my loans were not consolidated. 

My loans were then transferred to XXXX XXXX  in XX/XX/XXXX, when they were consolidated. I believe the consolidated loan payments, which did not quality under PSLF guidelines, now qualify under XXXX. 

My loans were then transferred to XXXX in XX/XX/XXXX, where I then began on the income based repayment plan. 

I continued to make payments under the income based repayment plan from XX/XX/XXXX and do so currently. I have never been late for a payment so every single payment make should qualify. 

I deferred exactly 3 months ( 3 payments ) during the duration of time I have been repaying my student loans. The dates of those deferments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I did not work for a qualifying employer so payments made during that time period do not count. 

According to my calculations, I have now made 107 payments, with the most recent being XX/XX/XXXX. I understand that number to be accurate for both my XXXX loan as well as my XXXX   loan because payments for both loans are made together in one lump sum each month. ''
Product: Credit card or prepaid card

I received a promotional credit card offer in the mail in early XXXX from fifth 3rd Bank. It had {$150.00} bonus after you spend {$500.00} in the first 90 days. I did what I was supposed to do and did not receive my bonus. I called them a week ago today ( XX/XX/XXXX ). They said they would get back to me in 72 hours and still have not called. I tried calling them again today ( XX/XX/XXXX ). I got put on the phone with 3 different people before they put me on hold and eventually disconnected me. They act like they have never heard of any promotion. This is false advertising. I am owed {$150.00}.