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

My social security number, birth date and other unique personal information is potentially at risk of being exposed. This is a consequence of the Equifax data breach that was widely reported, XXXX. I went to the FTC online link to see what precautions I should take : I froze my credit files at Equifax, XXXX and XXXX from their online sites, XXXX. 
I went to XXXX, XXXX, to secure copies of my current credit report and was able to obtain these reports from XXXX and XXXX. Equifax was unable to do this electronically directed me back to annualcreditreport site to print out an Annual Credit Report Request Form to mail it to the XXXX XXXX XXXX XXXX in XXXX. I completed the form, XXXX, with my unique personal identifying data and mailed it off certified mail, return receipt. 

Frankly, this is XXXX Equifax but my personal data at risk for exposure. They provided a website to identify those at risk along with a scam offer. That really does nothing more than make them some money, yet providing no long term help for those exposed. The other credit reporting agencies provided reports instantly upon request, but Equifax could n't. Honestly, this is really poor XXXX XXXX XXXX from Equifax. 

Perhaps the CFPB next project should be Equifax?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has not updated the credit bureaus that my payment has been made for a collection account that has been reported to them and received by them. I spoke to XXXX XXXX and they have confirmed receipt, however, they refuse to update my credit report in a timely manner. Dynamic Recovery is the collection company I paid in the amount of {$130.00} as a settled account. I paid the payment on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

my purse was stolen with along with all my documents my drivers license, social security card, and birth certificate, someone tried to obtain credit under my name and they are inquiries on my report that i don't recognize and other creditor that are not mine that i would like to remove
Product: Mortgage

I have called Chase Lien Department XXXX times over the course of 10 days. It has been an average of XXXX calls a day to get a copy of a certificate of satisfaction on a mortgage I paid in full in XXXX, I am constantly told a request has been submitted and have yet to receive a copy of the documentation. I am a XXXX employee currently XXXX and have spent XXXX dollars in phone calls with no results. The problem is an incorrect recording of the satisfaction of my mortgage in XX/XX/XXXX -- a Chase mistake. Chase claims XXXX to have sent the corrected certificate of satisfaction for recording to the county of XXXX Virginia in the XXXX 10 days, but the County has no record of receiving the XXXX mailing and according to Chase rejected the Certificate when Chase after many phone calls from me sent the Certificate of Satisfaction to the County electronically. The rejection is probably due to additional mistakes on the part of Chase. At this point I want to file a formal complaint against Chase and am seeking redress. Average phone times have been anywhere from XXXX minutes to XXXX hour. I have spent at least XXXX hours on the phone during the last 10 days. Chase is jeopardizing my ability to go to settlement on a home equity loan I have applied for with my Credit Union. In addition, I am speaking to what appears to be a call center where the ability to provide the documentation I need does not appear to exist. Frankly, I am shocked by the poor customer service by the lien research department and the numerous mistakes Chase has made. I thought this was a reputable bank. I want to note that the workers in the call center are very polite and helpful but they are not empowered to do anything to help me The problem seems to be in the lien research department.
Product: Vehicle loan or lease

I asked Credit Acceptance if they can reduce my monthly payments..and they declined force me to refinance my car loan in which I own a huge amount of money for a XXXX used car..I had the car for a year and the pay off quote after that year is still the price of the used car..that is total robbery with these people..I am the only XXXX XXXX in my home and this payment was ridiculous..They totally have no compassion for hard working people as myself..
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, I seek appropriate redress to these violations.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Mortgage

Quicken Loans has been the best mortgage dealer we have ever worked with. 
But now they are telling that it is going to take 2 days to draft electronically. Really? Does this sound right to you? Are they going to be benefitting financially by creating a two day slush fund? 

" Due to some recent changes going into effect on XXXX XXXX, 2016, the recurring payments you have set up through MyQL may take up to 48 hours to draft from your account. 

For example, if you make a payment on Monday, the deduction will reflect in your bank account by Wednesday. However, it 's still important to ensure that the funds are available on the day your payment is made. 

You will continue to get credit for making the payment on the day it was scheduled. There will be no late fees associated with this timeframe change. ''
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 



Please delete the following accounts. 

XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX  XX/XX/XXXX {$7800.00} INQUIRIES : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per usc s and 1692g section 809 supposed to have written notice before item being placed on my credit. Further more the requested required information still has not been give. To me its been almost XXXX  months. Time allowed set by FCRA is 30 days after request. Time has passed along time ago. After Experian took it off to make my last complaint look like I made a mistake by not agreeing to drop complaint through the XXXX  they are now adding it Back on. Also making it unavailable for me to dispute through there site. The actions on the XXXX XXXX shows the lengths of dishonesty this company is willing to go through. If they are willing to break federal consumer laws while denying me of my rights multiple upon multiple times as the CFPB its self has seen and heard me complaining of this for months and you have only see. The end of it. I still have not received my required by law information. Experian is playing tge CFPB as if this is a game to them adding and removing items so not to be investigated. This is concerning the XXXX XXXX collection they are adding it back my last complaint wasnt investigated because it was taken off right before ur investigation its in black and white by law it must be removed. Again medical collection XXXX not going bank to the illegal and malicious act on the XXXX of XXXX has to be inspected closely you will find thst Experian changed items on my dispute to avoid the CFPB of seeing the truth on the XXXX of XXXX I had been waiting on the XXXX XXXX disputes and knew they had to be deleted per law and I have it on my side. I seen disputes were ready and immediately went to the site. When I opened it. My disputed werent what I was waiting on. They were on items I didnt dispute they were address disputes that I didnt do while there I seen that it showed I just did disputes that day. That I didnt they were the disputes I had been waiting on. Furthermore I had no clue what they even had in those disputes. This is highly illegal for them to do this. Im being maliciously being attacked and bullied. I want to person responsible for this to lose his ability to do this to anyone ever again please investigate this its going to make for a big story. Im following up with my local news outlet hope its excepted please review the items I sent over it will validate how my last complaint was manipulated to the CFPB last complaint wasnt investigated because they said it wasnt on my credit look at the dates. There is XXXX address disputes that I never did in place of the XXXX medical disputes I was waiting on but was changed to fit their needs I wouid like to know what was even said on the disputes. Since they changed them. In moral and highly illegal they should be ashamed of them selves. Please dont let them fool you like they did before. Another big question how are they able to validate without the contract I been asking for. I still havent heard a peep from XXXX collection company they dont have a contract seems to be the only one fighting this is Experian.
Product: Prepaid card

Years ago I was given a gift card by someone in the amount of {$50.00}. I completely forgot about the card until recently. On XX/XX/XXXX, I decided to use the card at XXXX, and when I tried to pay for my purchase was informed that there were not funds. I called American Express on XX/XX/XXXX and spoke with their representative, who told me that American Express had taken the funds out of the gift card as it was not use, and I can get contact XXXX to request for them to send me a refund check or a replacement card ; informed that I need to provide a copy of the gift card front and back, copy of my ID, my address and request to send me the check. I asked him if the gift card has the expiration date, and he said that it does not expire. On XX/XX/XXXX, I e-mailed the XXXX with the issue and per advice given on XX/XX/XXXX, provided them with a copy of the gift card, my ID, my address, and request to send me the refund check. On XX/XX/XXXX, I was informed by the Prepaid Resolution Team American Express " the gift card does not have any balance on it. A refund check was issued to the registered owner/original purchaser of the gift card back in XX/XX/XXXX for the amount of {$50.00} '' and " Since refund has already been issued, unfortunately no further resolution can take place '', and " In case of any further queries, feel free to reply back ''. I replied to them on XX/XX/XXXX with request to speak with the supervisor, informed them that I " disagree that the money were taken away by the American Express, and refunded to the person ( it sounds like ) who gave the gift card to me as a gift. I was not able to benefit from the gift card because the American Express had taken away my money. Please, inform me who oversees the American Express, as I would file a complaint ''. Regretfully, no one from American Express replied.
Product: Checking or savings account

XXXX XXXX XXXX charged me for {$2400.00} on XX/XX/XXXX. I disputed it, closed my card, got my funds back and was fine. Then again on XX/XX/XXXX, they charged my card again, this time using XXXX XXXX for {$3000.00}. I have never in my life dealt with this merchant and I am not sure how they are accessing my account. I have since been dealt a new card and changed my online ID and password. Chase however, decided that this new {$3000.00} charge isnt " fraud '' because there were XXXX XXXX transactions after the posted XX/XX/XXXX {$3000.00} transaction at XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

I am currently going through a divorce. Per my divorce decree ( not yet finalized ) I need to have an assumption done on my mortgage to remove my wife, XXXX XXXX XXXX XXXX XXXX, removed from my mortgage as the secondary borrower. 

I called Loancare on XX/XX/2018 and spoke with a customer service agent who told me that there was nothing that I could do and that I would have to refinance my mortgage with a different company. I then logged onto the FHA website and read him a passage that proved that he was incorrect. He then hung up on me. 

I called Loancare back on XX/XX/2018 and spoke with a customer service agent who told me that what I needed to do had to be requested in writing and provided me the email address to send my request to. 

On XX/XX/2018 I sent an email to Loancare requesting an assumption. 

On XX/XX/2018 I received a response from Loancare issuing reference number XXXX. The email requested my account number ( which I had clearly provided in my initial email ) and I replied with the requested information. 

On XX/XX/2018 I sent another email because I still had not heard anything. 

On XX/XX/2018 I called customer service and spoke with an agent who apologized, took my information, and told me that someone from that department would be in touch with me in 3-5 business days. 

On XX/XX/2018 I called customer service again and spoke with an agent who said there was no record of my call on XX/XX/18 and that they would submit the request again. 

On XX/XX/2018 I called customer service and was informed of an " unusually large call volume '' and provided my phone number for a call back when it was my turn. I never received a call back. 

On XX/XX/2018 I called customer service again and was informed of the same " unusually large call volume. '' I again provided my phone number and again I still never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what kind of credit card XXXX XXXX XXXX  issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.
Product: Mortgage

My name if XXXX XXXX. I am the Homeowner for XXXX, XXXX XXXX, XXXX, NY XXXX. I bought my house with a large down payment and entered into a note / mortgage with Wells Fargo in XXXX. For the first 5 years I was able to make my mortgage payments and never missed one. In XXXX, as a result of the reduction of income from my sources, coupled with a divorce, I was forced to miss a couple of payments and since that time struggled to get any assistance from my mortgage servicing company Wells Fargo. To be more specific, Wells Fargo placed me into a foreclosure and from XXXX to XXXX have proceeded with the legal action. They made several legal mistakes, admitted to it and dismissed the foreclosure action. In that time I have unsuccessfully attempted to engaged in several submission to seek to get my mortgage modified under HAMP, which they repeatedly told me I would be considered for. In XXXX, Wells Fargo started another and second foreclosure legal action. Wells Fargo made several legal mistakes and fraudulently submitted to the court that they complies with all of the required notices that I never received, Rule 1304 for New York State real estate process. I nonetheless appeared in my case and submitted several packages to Wells Fargo and their attorney XXXX  XXXX. Finally in XX/XX/XXXX, Wells Fargo was forces to accept a package to be reviewed and it was a part of the judge 's decision who stated that Wells Fargo must! review me for the options to keep my house. After several months of submitting additional documents, I received a denial in which wells fargo stated that they can not approve the modification due to the XXXX test results. Wells Fargo refused to provide detailed information why or how XXXX test had failed, and I with the help of the Treasury Department tool XXXX, was able to confirm that Wells Fargo decision WAS! a mistake. The judge ordered Wells Fargo to review it again and do interior appraisal for the modification. Wells Fargo was given access to the property and the results of the appraisal were announced in the court, but! Wells Fargo still failed to provide to me or to the court or to anyone the results of the appraisal and how the new results of the appraisal would affect the modification review. I have proven to Wells Fargo that I qualify based on their guidelines and based on my income. Wells Fargo have been acting in bad faith and have discriminated against me. Time and time again, Wells Fargo employees and third-party agents have engaged in the deceptive practices to prevent me from getting the help and deprive me of the legal rights to avoid the foreclosure and to save my home where I am raising my family. I see how deliberately Wells Fargo and their employees engage in the practice of unfair treatment of me. There are so many examples how in their communication they deceptively led their case to the catastrophic outcome of me being forced out of my house. I wrote and I send letters to Wells Fargo CEO XXXX XXXX XXXX, CEO, Wells Fargo and to help me with my mortgage for my mortgage XXXX  # XXXX ; XXXX XXXX, Property XXXX XXXX XXXX, XXXX, NY XXXX ; F
Product: Student loan

Case number : XXXX To Whom It May Concern, I was informed that my for profit student loan is owned by Campus Student Funding , LLC and not XXXX XXXX XXXX, XXXX so this complaint has to be filed with Campus Student Funding , LLC instead of XXXX they just service my loan and do not have the authority to eliminate or reduce my loan. I was also told that my loan was not part of the settlement which I know is not the case. XXXX XXXX and XXXX XXXX ordered that funds in the millions be set for current and former students of XXXX XXXX for loan forgiveness or borrowers defense to repayment on both fed and for profit loans which includes XXXX XXXX which switched to Campus Student Funding , LLC which I think smells fishy that as soon as all this came out my loan switched hands so quickly. XXXX and XXXX both stressed that people should not enroll in these colleges in Illinois. Just because my loan was sold or transferred does not change anything I ca n't just trade-in, exchange or sell my XXXX education for a new XXXX it has no value and I should n't have to keep paying on it. The incidents of fraud and scams by XXXX XXXX and XXXX XXXX are all over the internet, hit the news and was even aired on XXXX based right here in XXXX. Do you think the companies I apply to will understand if I put on my resume that all the other Corinthian colleges committed fraud and bad lending practices but XXXX in XXXX XXXX, IL. I am requesting that my student loan account # XXXX be placed in borrowers defense to repayment. 


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

Did several online dispute with this debt and it's not getting removed and the account has Been closed for years and saying is a past due as of this month and year
Product: Debt collection

This is fraud and I have reported it to the company and debt collector and I have been ignored by both of them. I want my debts cleared and all my personal information kept private.