23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX card closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did
Product: Student loan

I have contacted Mohela on multiple occasions via various communication channels in an attempt to obtain my full payment history and loan status for the life of all federal and direct loans. To date, this information has not been provided to me which is something my current loan servicer should be able to provide. Mohela has also failed to report 26 payments to Federal Student Aid ( FSA ). These 26 missing payments are from XXXX and do not show up in my FSA online account because Mohela has failed to report the payments. The missing XXXX payments include 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 ), and XXXX ( XXXX, XXXX ).
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report today, and I don't understand where they came from. I checked my report like I always do, but this time, I noticed discrepancies that werent there before. I tried refreshing my browser, thinking it might be a technical error, but the inquiries didnt disappear. I need you to carefully review the documents I've provided so this issue is resolved once and for all.
Product: Vehicle loan or lease

This account was written off fro m Ally Financial ...  It needs to be removed from all  XXXX  of my credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting has violated my rights. 
15 usc 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plans as late for and purpose. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is a result of identity theft i have provided and police report to XXXX XXXX XXXX and the credit bureaus they still refuse to remove the account, the account now shows close but XXXX XXXX XXXX  is consistently updating it as late.
Product: Checking or savings account

BACK IN XX/XX/XXXX THEY CLOSED THE ACCOUNT. PRIOR TO THAT I WENT INTO THE BRANCH AND WAS TOLS THEY HAD TO REACH OUT TO THEIR BACK LOG TEAM AND HAVE THE ACCOUNT PUT ON THE SERVER. THE REP HAS FAILED TO CALL ME BACK AND EVERYTIME U CALL THEM HE IS WITH A CUSTOMER AND WILL CALL ME BACK. I REQUESTED MY ACCOUNT STATEMENTS WITH THE LAST TIME BEING ON XX/XX/XXXX. I WAS TOLD VIA PHONE REP THAT THEY HAD NO NOTES ON THE ACCOUNT AND COULD NOT FIND AN ACCOUNT. TO GO BACK TO THE BRANCH AND THOSE ARE THE ONLY ONES WHO CAN HELP ME. XXXX  ARE DENYING ME ACCESS TO MY RECORDS AFTER THE RANDIMLY CLOSEE MY ACCOUNT WITH NO EXPLANATION OR COMMUNICATION. NOW XXXX ACCOUNT NEVER EXISTED.
Product: Credit card or prepaid card

XX/XX/2019, the money was put on my card, via tax refund advance. The same night I used the card for an amount of {$64.00} and some odd cents. The next morning on XX/XX/2019, {$750.00}, {$350.00}, {$1000.00}, and finally {$400.00} was all taken from the card. All of these transactions took place between XXXX and XXXX. I was made aware of these transactions through my email. The email says I sent these four amount s to four different people. So I called the card company at XXXX on XX/XX/2019, they locked the card. The same morning I called card protection services at XXXX XXXX, they cancelled the card, issued a new card, and had me change the security features of my account. They then put in a transaction dispute for each of the four transactions. Today, XX/XX/2019 at XXXX, I got an email from American Express Serve saying that my disputes were declined and the {$2500.00} wasn't going to be credited back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Failure to Respond to Identity Theft Complaint Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Prosper regarding their failure to respond to my identity theft complaint. 

On XX/XX/XXXX, I submitted a complaint to Prosper, providing them with detailed information regarding the identity theft incident that occurred on XX/XX/XXXX. I followed the appropriate channels to report the incident, expecting a prompt and thorough response from Prosper to address the issue and assist in its resolution. 

However, it has been 2 weeks since I submitted my complaint, and I have not received any response or acknowledgement from Prosper. This lack of communication is deeply concerning and leaves me feeling helpless and disregarded as a victim of identity theft. 

I would like to bring the following details to your attention regarding my attempts to contact Prosper and their subsequent failure to respond : Date of identity theft complaint : XX/XX/XXXX Method of complaint submission : [ Email and Postal Mail ] Details of identity theft incident : [ I believe someone from my household is using my information ] I believe that Prosper 's failure to respond to my identity theft complaint not only violates their responsibility to address consumer complaints promptly but also demonstrates a lack of regard for the serious nature of identity theft and its impact on individuals ' lives. The lack of response has left me feeling helpless and uncertain about the steps I need to take to mitigate the damage caused by the identity theft incident. 

As a concerned consumer seeking justice and resolution, I kindly request your intervention in this matter. I urge the Consumer Financial Protection Bureau to investigate Prosper 's failure to respond to my identity theft complaint promptly and take appropriate action to ensure that they fulfill their obligation to address and resolve consumer complaints related to identity theft. 

Enclosed with this letter, you will find copies of all relevant documentation, including my original identity theft complaint, any supporting evidence, and subsequent attempts to contact Prosper for a response. I am also prepared to provide any additional information or documentation necessary to assist in the resolution process. 

I sincerely appreciate your attention to this matter and your dedication to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift action to address this issue and hold Prosper accountable for their failure to respond to my identity theft complaint. 

Thank you for your assistance in resolving this matter. Should you require any further information or need to reach me, please do not hesitate to contact me at the provided email address or phone number. 

Yours sincerely, XXXX XXXX
Product: Debt collection

I received a letter via U.S. Mail which is attached. The letter states " Their client, XXXX XXXX '' has a Judgement against me and is offering to settle for {$960.00}. 
I have never had an XXXX card and I don't believe this is my debt. I am being told to send this money in by XX/XX/2018 or the deal will expire.
Product: Checking or savings account

Dear Bank of America Customer Service Team, I am writing to formally express my dissatisfaction and concern regarding a check I deposited into my account nearly two months ago. The check, for approximately {$2000.00} ( the exact amount is unknown ), has been held by your bank for an extended period despite having been cleared already. 

I have been making regular callssometimes daily or weeklyto inquire about the status of the funds. Unfortunately, I have not received any helpful information. Instead, despite my polite demeanor, I have encountered poor customer service and unprofessional attitudes during these interactions. 

One of your representatives even suggested that I contact the person who issued the check to have it reversed. I explained that this is not possible, as my friend who wrote the check has sadly passed away. I found this suggestion insensitive and disrespectful, especially given how deeply I care for the memory of my late friend. 

This prolonged delay and lack of resolution are causing me significant distress. I believe it is unacceptable to withhold my funds for this long without providing a clear reason or solution. Furthermore, the behavior of your staff has made this experience unnecessarily difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a bankruptcy report that i did not give consent to be on my consumer report. by law it is a violation of my privacy.
Product: Debt collection

I paid a dept in full and was told that I would receive a written confirmation that the payment was made. After not receiving the confirmation, I have contacted the collection agency numerous times ; they promise to send the confirmation but never do so. Without it, I am fearful that this debt may remain on my credit report. I am also waiting for a loan to be approved from a XXXX XXXX and they will not process the loan until they receive a copy of the written confirmation. I have no confidence that the collection agency will provide me with this document unless they are compelled to do so.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$3.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

My house was listed last XX/XX/XXXX, but I have made multiple attempts at loss mitigation. We finally got a buyer in and Ditech told us the offer was too low. We put it back on the market and got an offer that met what they wanted and then they issued approval. We were so happy. The buyers are a young couple that had to get a loan. Their lender 's lawyer said they needed until XX/XX/XXXX to close. Ditech only gave them until XX/XX/XXXX to close and then set an auction for XX/XX/XXXX. I can not go through all of this for them only to foreclose right before the buyer is ready. There was no reason for them to set this auction RIGHT before the buyer was able to close. We have short sale approval and the buyers are at the mercy of their lender and they are working diligently to close.
Product: Credit card or prepaid card

Several years ago in XXXX of XXXX, I bought furniture from XXXX XXXX   a furniture company in XXXX XXXX CA for a promotional offer of 0 % interest for 36 months. They stated they would take a minimum balance every month for 36 months until debt was paid of. On XX/XX/XXXX I was given a {$970.00} interest charge and on XX/XX/XXXX I was given a {$1400.00} interest charge ballooning my balance to {$6700.00}. No one will answer my questions and they say it was in the contract however as we they explained to me in person or over the phone my balance would never be charged interest.
Product: Debt collection

Wednesday, XX/XX/XXXX a sheriff showed up at my place of employment and also at my husband 's place of employment. The sheriff served us papers from Credit Associates for a debt we owe of XXXX to XXXX XXXX. I had made payment arrangements with to credit agency of XXXX. I made XX/XX/XXXX and XX/XX/XXXX 's paymenst.My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and we had a deductible of XXXX per-person. We have many doctor and hospital bills and it 's been very difficult to keep track of them all.That being said, I missed a few payments.My last contact with XXXX XXXX was XXXX XXXX to which I told them I would try to get a loan but because of poor credit we were unable to get a loan. We were still trying to come up with the money when about 49 days later a sheriff comes to our place of employment serving us papers. This was the most humiliating, scary, and embarrassing thing that has ever happen to me and my husband. Now I 'm in fear of loosing my job over this. I 've tried to settle with this credit agency but they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Product: Debt collection

For the past several months i've been getting calls from a company representing themselves as a debt collector for an old account that was held by household orchard bank, now defunct. I have no record of this debt, it also is not listed on my credit report as past due, in collections, charged off, etc. I have looked at XXXX, XXXX, and XXXX. When i contacted the collector, i was told the last date of activity was XX/XX/2014, which is within the 7 yr period for accounts to age off of my credit report if they had negative comments. Due to the age of the debt, i personally no longer have documentation of this account, although i am making attempts to find it. I am fairly certain however, the account was either, paid in full, or paid in settlement. The person i spoke with was named XXXX, and despite asking several times for the license number of XXXX, since they are a debt collector, as suggested by the PA  attorney General 's office, i was told she didn't have it. The amount owed in question is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX  continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX  has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX  violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX  above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX  is seemingly willfully noncomplying. Furthermore, XXXX XXXX  continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX  XXXX  continues to falsely verify as accurate. This has to stop at once!
Product: Credit reporting or other personal consumer reports

XXXX was opened on my credit report and does not belong to me and would like this item removed immediately, i was also a victim of EQUIFAX data breach.
Product: Credit reporting or other personal consumer reports

i have accounts, collections, inquiries, and addresses that are not mine reporting to my credit report. this is wrong, inaccurate and not mine. I have reached out multiple time to the credit bureau and i want all of this removed immediately. this is incorrect information. i did not authorize anyone using my information. i have been contacted on multiple occasions even after telling them to stop contacting me and that these were opened fraudulent. they disagree and have continued harrassing me. 

Inaccurate accounts 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 XXXXXXXX The inaccurate addresses being reported are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are inaccurate and should be removed.
Product: Credit card

XX/XX/23 I have an issue and I need this information for incorrect illegal reporting of late payments need to be removed and marked as paid as agreed and i need the transactions to be reported correctly.

Goodleap has failed to provide me proof that i received a loan. They never gave me a loan as i extended my ssn and that makes it a credit consumer transaction and that is a credit card that is open ended and was paid at the time i executed the application, which is the device to purchase the good/ service i needed. I am getting damaged by the data furnisher and they are causing me sever mental anguish as i consumer report is suffering due to the creditors illegal and unfair practices. Late payments are illegal. Please have this account and transactions reinvestigated immediately.
Product: Consumer Loan

Our son was involved in an automobile accident. Which XXXX sent them a check for the car. It was also covered by GAP Insurance. Ally Auto has refused to work with us. This has been going on for 5 months now and the car is NOT paid off. Everything we call the department they say is handling the account we are told it is not there. On XXXX XXXX, 2016 the insurance company mailed a check out after they were told that they were issued the letter of guarantee. As of Friday, XXXX XXXX, XXXX XXXX does not have the Title and the loan is still not paid off. Ally repossessed the car sometime, not even sure when at this point. It was deemed a total loss. When I called Ally Auto in XXXX the Account was in the Total Loss Department. I advised them that they had the car. The account was n't even documented that they had the vehicle. We can not get any one to work with us or to even return our calls. They have not even attempted to contact us. As of Saturday, XXXX XXXX, 2016 we have received our XXXX letter stating Ally is going to sell the car at auction. They are aware that it is an insurance claim.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX and XXXX ( at times would fo a switch and bait, XXXX ( like XXXX an XXXX ) is a new company who would refuse to give your money back or would charge unauthorized holds of different prices- XXXX XXXX with other unknown charges and challenged or disputed them. On Thursday XXXX went to make a purchase and it stated Error on my phone wallet and card, I now owe for a meal of XXXX dollars and I also had no good in my house and was going to eat before going to grocery store. I had no food in my house. I just needed a few dollars to catch a ride share there. To my surprise Wells Fargo told me I misused my card and they had deactivated it!! Without Notice!!! I am in a a wheelchair and still a day later have not gone to grocery XXXX XXXX tried to take my money out and close my account, they refused when I went to XXXX branches. XXXX stated my card was reported BY ME list or stolen!!! The nerve of them to lie like that, XXXX had my card on camera at both branches at the bank. I have been in a XXXX XXXX for months and my ID had expired. I received no notice whatsoever. I was told it has been a few days since they deactivated but they would not tell me when they deactivated. They violated my rights and ADA rights. They also owe me money for a previous account.
Product: Checking or savings account

Account frozen without notice for three days for an investigation leaving elderly account holder without access to cash in the 3 day interim, until the investigation is concluded. No regard or consideration given to the fact that this is the only financial institution and locking account up leaves the person financially stranded for 3 days. Tried to request that the investigation be expedited unsuccessfully after mentioning that it is the only financial account and that I could not buy groceries to make it through the weekend. Placed me, XXXX widow without kids or family in significant financial hardship for three days as I do not beep cash in the house and did not have enough food to make it through the weekend. Account was locked on Thursday and will take 3 business days to be unlocked ( 5 actual days without any access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit a dispute with Equifax and they make it impossible to put a dispute in. In XX/XX/2018, XXXX XXXX took off a collection account. XXXX and XXXX  have already taken off this acct off my report, but I am unable to Equifax to put a dispute in with Equifax and they have denied me a yearly report.