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

My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Debt collection

I began disputing an alleged debt with Wakefield & Associates in XXXX 2017. On XX/XX/XXXXI requested " validation '' of the alleged debt. OnXX/XX/XXXX they responded with a copy of a bill which does not constitute validation of debt under the FCRA. Once again onXX/XX/XXXX I requested validation. They replied by saying they have already done so and are not obligated to provide duplicate information. I then sent a dispute to all three credit bureaus asking for " validation ''. They responded by saying the debt has been verified and updated my credit report with the consumer disputes. I even asked the credit bureaus via telephone " what is the process used to verify debt ''. Nobody can provide me with any answers. I sent a second request for " validation '' to all three credit bureaus. Once again they were unable to provide me with the information requested. The name and address matches mine but not the DOB. I have been going back and forth with Wakefield and Associates as well as the credit bureaus for nearly six months with no resolution in sight. This is not my debt, nobody has been able to provide me with any documentation to prove that it is mine. I should not be held responsible for something that does not belong to me. I would like for Wakefield and Associates to remove this account from my credit reports as it is not mine. I am trying to obtain a mortgage and this delinquent account is hurting my credit score.
Product: Checking or savings account

TD bank sent checks and letters that I had opened an account with them and I have not.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I am on the XXXX program. XXXX has, for 180 days, failed to properly calculate the number of payments I have made on my loans. I have been paying as a XXXX employee since XXXX of 2010, and they are claiming to only have records of the XXXX payments made to them, and are " researching '' the remainder. 

Additionally they are requiring recertification XXXX months ahead of schedule.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw inaccurate accounts on my credit report today. I check it regularly, and nothing like this has ever happened before. At first, I thought it was a browser glitch, but refreshing the page didnt fix anything. The errors are still there. Because of this, Im requesting a thorough review of the documents Ive submitted, so I dont have to worry about this happening again.
Product: Checking or savings account

J.P Morgan Chase has withdrawn and is currently holding money from 4 bank  accounts. On XX/XX/2020, all of the accounts were froze and then subsequently closed XX/XX/2020 without any written notice or explanation of this. ( Checking Account, Joint Checking, Savings account, and my adult daughters custodial account ) We have called many times and visited local branches, but there has been no clear explanation. 


We have called Chase customer service, who directed me to Chase Loss Prevention ( XXXX ) many times, with no resolution. Eventually, my case was given to the executive office and assigned a Tracking # XXXX assigned to XXXX XXXX XXXX XXXX. 

From the clues that I have evaluated from my Chase interactions, it started with a deposit from Virginia un-employment deposit on XX/XX/2020 in the amount of {$12000.00}. 

Chase will not give explanation in writing. I was told Chase wanted proof that I was the person the meant to receive the deposit. I sent them a letter from VA UI department that verifies my approval of benefit. Now they are asking for verified endorsement of funds from VA UI department. Unfortunately, I am unable to reach anyone in VA UI. This action from Chase has caused real hardship in my family.
Product: Credit reporting

My credit report reflects an account in collectio for XXXX dollars. 
I called the collection company and this account belongs to XXXX. 
The address and the name are n't mine but they still say when mySocial security it 's put in to their system they get that own them moneyWhich I truly know it 's not mine
Product: Credit reporting or other personal consumer reports

An application was submitted through XXXX XXXX with OneMain to apply for credit, the offer stated as a soft pull, but instead OneMain did a hard pulled that affected my credit score, OneMain representative from XXXX, XXXX called me severals times requesting information, but nothing was providing to her because i was no longer interested in proceeding with the loan, I have asked them to removed this from my credit file. But they sent me a letter and denied my request.This company is in the business of misleading consumers to hurt their credit and is desperately out to make money by all means necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel as though I have disputed the same XXXX XXXX XXXX Credit Card on my credit report multiple times but the most recent dispute I made to Experian was on XX/XX/19. This XXXX XXXX XXXX credit card rightly does not show on my other credit reports and shouldn't be on my Experian credit report because it is not mine. I don't have, and never had, a XXXX XXXX XXXX credit card or membership for that matter. I received the results from my dispute on XX/XX/19 and it says that they confirmed the information as " accurate '' but updated the information. They updated the amount owed on the credit card and the monthly minimum payment but this does not correct anything considering that the entire account should be deleted as it does not belong to me.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, which has left me deeply disappointed and confused. I regularly check my report, but this time, discrepancies appeared unexpectedly. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. This issue needs immediate attention, and I urge you to thoroughly review the documents I've submitted so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/2014 {$2500.00} I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Mortgage

My mortgage has been in forbearance within protection during covid 19. I realize that has ended. During this time, my Husband has had XXXX XXXX, thank God that has slowed down some. But have debt from it. My Husband is retired and can no longer work. 

I have been XXXX  for quite some time. I have been a caregiver to my Husband as well as a caregiver to my XXXX XXXX XXXX Mom. My XXXX began again in XXXX of this year. At this time, my hours are part time. However, I do have an XXXX store. I currently only have one client, but I am processing his payroll and taxes. 

I had begin a new trial plan and was unable to pay the amount due. I have been talking with them and informing them of everything going on. Seems to fall on deaf ears. Things are improving as far as earning is concerned. Don't get me wrong, I am still struggling. 

I had an appointment with XXXX XXXX @ PHH Mortgage early this month. I was never called. I checked my calls on my phone. They never called. So, now a new appointment is scheduled -- -- -it 's either the XXXX or XXXX. They are dragging out the time. I tried to make a payment and it has been refused on more than one occasion. Supposedly I am supposed to be receiving paperwork. It takes 10 days to come. So what date will I receive this if I do? When I was speaking with someone else with the mortgage said I didn't have to be concerned until after this month. I would like things to be taken care of this month. 

I do not want and will not lose my home. I could be treated more fairly I feel. I would like the behind part of my mortgage ( which is around XXXX ), to be put on the end of my mortgage. Most of this XXXX is from covid 19. I feel this is PREDATORY LOANING. Yes the covid plan ended at the beginning of the year ... .a few mortgage payments do not add up to XXXX! The percent of my mortgage is from 1 to 2 %. At this current time, it is 2 %. I would like for my mortgage to stay between 1 to 2 % and the covid 19 forbearance amount moved to the end of my mortgage. I do not think I am asking for much. 

In early XX/XX/2022, a tree fell on top of our home. I have been staying in a hotel every night because my lender placed insurance has no coverage for displacement. Then they wonder why I am still having financial issues. No one should have to go through this.
Product: Debt collection

I have been making monthly payments of {$200.00} to Paris & Paris to pay off a outstanding loan balance to XXXX California. I initially sent a payment of {$2000.00} and have been making payments of {$200.00} for more than 2 years. I had been making payments of {$250.00} prior to this before missing several payments due to financial troubles which did not allow me the chance keep up with the payments. Since them I have kept my payments on time. I asked to see a statement of my beginning balance minus all my payments plus interest to see how much was left on this debt, but was denied. I believe that is not legally right, and I want to know exactly what I have left to pay off my debt. Please left me know if I have a legal right to this information. Thank you.
Product: Credit card or prepaid card

While reviewing my credit card statement, I noticed there was ( 2 ) different interest for credit.

( 1 ) One was interest for charges to my account for purchases and ( 2 ) Another was interest charges for cash advance After reading the policy of my credit card agreement, I come to realize that USAA Savings Bank, USAA Federal savings Bank, the servicer of my USAA credit card, I believe based on my understanding of the agreement is " vague '' and does not explain the double interest charge on my credit card. I called customer representative ( 2 ) times to explain the 2 different interest charges ; one of the reps said I can pay the cash advance amount owed as long as I specify the amount and what it is for. In another call, I explained that I wanted to do just that and was told that I had to pay the entire credit amount for this extra interest rate charge to go away. This is for ( 1 ) one credit card. 
For instance : If I have a total credit limit on my card for {$500.00}. I use {$200.00} of my credit and get a cash advance for {$100.00}, I am being charged the same interest rate on both transactions, example : {$200.00} + 2 % interest and {$100.00} + 2 % interest, when asked if I could just pay off the cash advance amount of {$200.00} which will still be payback on credit owed, I was denied with them telling me in order to get rid of cash advance interest, I have to pay off the total amount owed to my credit used which is {$300.00}. 
This is just an example of how the credit card issuer is practicing unfairly.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In XXXX of XXXX we were in a forbearance plan due to medical issues in XXXX XXXX We received a letter from XXXXXXXX XXXX stating our loan had been sold. I Had called Freedom Mortgage asking about transfer of loan. Our first teller XXXX stated that our loan was still active that our letter in question was a scam I was put on hold transferred to teller number XXXX stated that XXXX plan ended in XXXX of XXXX she stated that we were almost 3 months behind she took our original mortgage an past due payments insured me for 12 months payments would increase to XXXX and We would receive a packet in the mail with a modification to loan .We did not receive a packet for modification. On XX/XX/XXXX received three letters one stating sale of home at auction, next letter stated not enough time for modification .ALL dated for XX/XX/XXXX .In XXXX the XXXX we tried to make payment which online status did not let us login .ON XX/XX/XXXX with letters received i called Freedom Mortgage Company First was told of foreclosure .Then we were told yes we there was a note for loan modification placed on hold again to next teller stating she does not know what Happened and our loan was sold. 
.She stated that she could not see where our loan was. Credit Reporting for Freedom Mortgage since transfer from XXXX shows no payment in transfer in 2 years we were always current until medical issues .Payments in history with confirmation due not match to any of our records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # : 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, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My current mortgage was sold to Roundpoint Mortgaging in XX/XX/XXXX  or XXXX  of 2019, in the process my old loan company did not forward the payment to roundpoint. Roundpoint never reported to me that the payment was not received from them, and instead erased all of my payments and moved them each up one month, this was done without my knowledge. About 6-7 months later I get a statement saying I owe them around $4000 for 3 missed payments. I called to get the situation handled which they would not work with me to handle. When questioning the current person from Roundpoint she told me when they moved my payments up a month they only put back what my loan payment was and the extra I had paid each month was not documented. They have threatened me with foreclosure and continue to harass me about this situation. This should be between the old lender and the new lender since I have made my payments. My credit had a 100% ontime payment history, so this is not a recurring situation for me. I have spoke with them multiple times and I’m greeted with rude employees who refused to help me.
Product: Debt collection

XXXX VERIFIED WITH THAT A DEBT BELONGED TO ME. I REQUESTED THAT THE BUREAUS PROVIDE VERIFICATION OF THE PHYSICAL DOCUMENTS USED TO VERIFY THAT THE DEBT BELONGED TO ME. AFTER NO RESPONSE I CONTACTED XXXX DIRECTLY AND REQUESTED THAT THEY VALIDATE THE DEBT. AS OF DATE I HAVE RECEIVED NO RESPONSE FROM XXXX. THIS COMPANY NEVER INITIALLY NOTIFIED ME OF THE DEBT PRIOR TO IT BEING REPORTED ON MY CREDIT REPORT
Product: Checking or savings account

I opened a Citibank account in XXXX XXXX I enrolled into direct deposit and the day my XXXX direct deposit hit in XX/XX/2023 my account was randomly closed due to fraud I called and they said a letter was sent, never received a letter to resolve issue. Now my money is stuck in the wind
Product: Credit card

Recently, Bank of America lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Bank of America promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did to me.
Product: Credit reporting

its the same old thing with EQ. i dispute an item on my CR and EQ does no investigation just verifies the information. Sent in paperwork proving item was removed off CR in XXXX 2015, but showed back up 6 months ago. i guess there is no law requiring them to investigate or forward info to credit furnisher. i hear there are really no laws about investigating disputes. the system is automated and ran on computers that are outsourced to other countries. the XXXX credit agencies are worried about ID theft yet outsource to XXXX known for id theft. to save a few bucks EQ puts my info into foreign peoples hands. i hear these investigations are never looked. my complaint is that EQ do a real investigation. that " XXXX. '' DELETED COLLECTION OFF CREDIT REPORT THEN REINSERTED A YEAR LATER WITH NO STOPPING THEM BY EQUIFAX AND NO COMMUNICATION TO ME. I DISPUTED A FEW MONTHS AGO. VERIFIED IN 1 DAY. SOME INVESTIGATION!?!? IM A XXXX VETERAN AND ITS DRIVING ME CRAZY TRYING FIX MY CREDIT REPORT
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 vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 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.