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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX
Product: Credit reporting or other personal consumer reports

XXXX never checked into problems with my account and didn't notify me. They just mark my dispute complete and do nothing
Product: Checking or savings account

USAA sent me two letters dated XXXX that I did not receive until XXXX. One letter said my two credit cards ( XXXX and XXXX XXXX had been cancelled. The second letter said my three banking accounts with them would be closed on XXXX. I had two savings accounts and one checking account. The letter about my bank accounts said, " We're sorry to inform you that USAA Federal Savings Bank is exercising its right to no longer do banking business with you per our Depository Agreement. '' The letter about my credit cards said, " We are writing to inform you that USAA Savings Bank is exercising its right to no longer maintain a banking relationship with you due to your account activity or usage with us or an affiliate. '' I called the number given in the letters to contact with questions. I first spoke with XXXX who told me she was not authorized to give me an explanation of why the accounts were closed other than what the letters said. I asked for her supervisor and then spoke with XXXX who told me decision was made by the Anti Money Laundering Ops Team and could not be reversed. XXXX said the reason could be due to money laundering or fraud. He attempted to contact the AML Ops Team but was told he was not authorized to deal with them. He told me this happens all the time. He reviewed my accounts and said he could not see any suspicious activity that would have caused the arbitrary closures. When I asked for his supervisor, he said one was not available but that they would tell me the exact same thing he had. Apparently, nobody at USAA is authorized to give an explanation. The ALS Ops Team has no public phone number or email address. My husband and I have been members of USA since approximately XXXX  and never been late on a payment as our credit cards were set up to be automatically paid in full by AED monthly. Our banking accounts have never had a problem. Our checking account has never been overdrawn or had any returned checks. 

On the date of the letters, XXXX, I had made an interbank transfer of {$25000.00} from one of our savings accounts to a savings account we have at XXXX XXXX. This was done to realize a much larger APY than USAA pays. I have made these transfers before. The only conclusion I can reach is that USAA felt they were not making enough money on our accounts. Possibly it could be because I am a XXXX XXXX female aged XXXX  years. I certainly have nothing to do with money laundering, nor have I committed any fraud that I am aware of. 

What USAA did may be legal, and it may be true they are not required to explain their actions, but it certainly is not ethical to treat a customer in this manner. All I want is an explanation for why they did this. If they believe I did something wrong, they could tell me what it was. Right now I have no viable clue. I read in my XXXX magazine, and in a XXXX XXXX XXXXXXXX article that this sort of thing is happening more and more, and that many complaints have been registered. This seems grossly unfair. 

Thank you for the opportunity to submit this complaint. 

XXXX XXXX XXXX
Product: Checking or savings account

I set up a high yield 4.5 % savings account at Citizens Bank ( a.k.a. Citizens Access ). 

After opening the account with Citizens Bank I received the routing and account number from Citizens Bank. 

I deposited {$25000.00} from my XXXX XXXX  Account to my new Citizens Savings Account on XX/XX/2023 with an account number ending in XXXX. 

I called Customer Care and the representative stated they were not going to accept the application. I asked them to return the funds to my originating XXXXXXXX XXXX  Account and they indicated they couldnt help me or provide any information on the status if my inquiry.
Product: Mortgage

Re CFPB Complaint XXXX & XXXX XXXX XXXX XX/XX/2022 The company responded stating that my partial claim documents were returned and not accepted because they expired. Irregardless to the fact that the documents were received by their company three weeks before they were processed. In the letter dated XX/XX/2022, the company advised that new partial claim documents were being drawn up and that i would receive them before the end of the month. Today is XX/XX/2022 and I have not received the new documents. On XX/XX/2022 I did receive a letter stating that I had not completed my loss mitigation package and that it must be received 37 days prior to foreclosure. I do not understand why I received this type of notice and not the partial claim documents.
Product: Credit reporting

In an attempt to retrieve my free credit report from all XXXX of the major credit companies ( XXXX issued a warning ) I was able to obtain my credit reports from XXXX and XXXX without a glitch. However, when I attempted to retrieve my report from Equifax, I was told that they were unable to deliver my free report online without explanation nor a customer support number so that I may inquire myself. After searching their website it is apparent they do not want me to call and only offer this service if I sign up and pay for something. Quite frankly I believe I am owed an explanation for not being able to view my account information and as XXXX of the major credit reporting companies they should have customer service freely available to answer any questions not hide behind a service I need to sign up and pay for.
Product: Debt collection

I've asked this company ( Designed Receivable Solutions ) twice ( XX/XX/2021 & XX/XX/2021 ) via certified mail to validate the alleged amount ( {$310.00} ) of debt that I supposedly owe.
Product: Debt collection

This company is reporting a different amount owned with every credit bureau for the same company, I recently sent the debt validation letter from the CFPB site and this company removed XXXX account. ( no response ) This is the XXXX  time I have reported this company removing accounts. 

Also I was covered by XXXX and XXXX during the time of these charges and all other medical claims were paid these accounts were incorrectly billed
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companie. Below Is my FTC Identity Theft Report. I have also mailed all respective CRAs my identity theft affidavit please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have called and sent in writing to provide documentation verifying that I have an OPEN account with this company. They have yet to provided anything proving this. Per 15 USC 1681 Permissible purposes states this. I also opted out of the company reporting per 15 USC 6802-6805 and it is still on my report with XXXX, nothing has been done. This is violating my consumer rights per The Privacy Act 1974. I want this inquiry deleted immediately.
Product: Credit card

Dear EXPERIAN, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account Number:XXXX Party Owed : XXXX XXXX XXXX Amount : {$60000.00} Account Number:XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX {$340.00}. I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. 
FTC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Mortgage Acct # XXXX ( Original CFPB Complaint # XXXX ). 


My XXXX  and XXXX  credit reports are reporting that I was late on my XX/XX/XXXX and XX/XX/XXXX mortgage payments. I have provided my XX/XX/XXXX and XX/XX/XXXX XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time to my Bank of America Mortgage Acct # XXXX. I've also provided two letters from Bank of America research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please review the attachments filed in this complaint. 

I provided XXXX  and XXXX  with copies of my XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time and the two Bank of America letters research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX which address the XX/XX/XXXX payment, but " XXXX  '' and " XXXX  '' has refused to delete the missed payment information from my credit report for the months of XX/XX/XXXX and XX/XX/XXXX. 

Can you please assist me in getting the information removed from my credit report as soon as possible. 


Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed I have a charge off and I keep disputing the amounts, the transactions and the validation of the debt they just keep coming back with no changes on my credit without showing evidence or a true investigation its a XXXX account so the credit bureaus work with them so those debts never get properly investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion allowed XXXX XXXX XXXX to report to accounts to my credit file without verifying. XXXX XXXX XXXX has violated the Fair Credit Act. This company did not send anything to me in mail for debt validation and they never sent out a bill to me at all. This company did not allow me the right to dispute this debt in 30 days. I would like these two accounts removed from all three credit bureaus immediately. 

XXXX XXXX XXXX amount {$72.00} XXXX XXXX XXXX amount {$62.00}
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with APPLE CARD. I do not have a contract with GS Bank. They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very stressed out, I am victim of identity theft and someone used my personal info and as a result today appeared some accounts in my credit report that are not mine ... What should I do? Please help me, I do not know what to do .... I do not know these accounts and they just crashed my credit report. Its a fraud, please remove them because otherwise I will have XXXX XXXX as we just planning with my wife to obtain a loan ... ..
Product: Student loan

I am attending XXXX XXXXl while also repaying my loans from XXXX XXXX. I am part of a work repayment program that requires my loans to be in repayment status to get the benefit. Heartland ECSI routinely automatically switches my loans into deferment despite a letter I sent in XXXX of 2018 asking them to place my loans back into repayment and to stop all future updating of my loan status. I sent an identical letter to XXXX, and they have stopped all updating of my payment status and followed my wishes. Heartland ECSI refuses to follow my wishes and make the process for removing the deferment increadibly convoluted and difficult to follow through. Additionally, their customer service reps do not listen to my needs and instead try to convince me that deferment is the right choice. I get the impression that Heartland ECSI does not care to heed my requests and is instead making it purposefully more difficult for me to repay my loans on my schedule.
Product: Mortgage

I have been working with Wells Fargo on an FHA COVID-19 lpartial oan modification since last year. I thought that the process was over as I was told by XXXX XXXX XXXX that I would be receiving the loan modification in the mail. I did, but the problem is that my ex-husband is now on the loan package. I called XXXX XXXX two or three times in the past week ( XXXX ) asking why my ex is on the loan. The last modification package that I received ( which apparently had mistakes in it-hence the mailing of a new one ) only had my name on it. I am trying to find out if the loan package that was just my name was a mistake or not. No one will get back to me. 

He hasn't called me back nor has a man by the name of XXXX XXXX that responded to my last complaint ( XXXX ) who've I have also called and left messages on his phone ). I need to know what is going on as I need to get it notarized and sent back to XXXX by XX/XX/2022. I spoke with the mobile notary that was sent by XXXX and they can not notarize the document w/o my ex 's signature. 

Please help. I am afraid again of losing my home because XXXX won't respond to me. I've done everything that they have asked and still, I am in limbo. Last time they mailed and XXXX me over 4 foreclosure notices because of an error on their end. I don't think I can take any more stress over this predicament. 

Thank You, XXXX XXXX
Product: Payday loan

ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more. 
Thank! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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
Product: Credit card or prepaid card

I was a happy American Express customer for 20 years. When I cancelled my card, there must have been a charge ( maybe XXXX XXXX ) in between my final payment and the closing of the account. Frankly, I'm not sure exactly what happened. All I know is I got no mail from them for a while, and then got bills with accumulating fees and interest. I told them repeatedly that I was happy to pay the underlying amount, as I had done forever. I'm not looking to take their money, but I had no idea about the bill and was challenging the interest and penalties. They kept charging it, even after they sent it to a collection agency and refused to talk to me about the charges. The debt collection agency said that they couldn't discuss the charges, but noted that I was challenging them. AmEx still continued to rack up the interest and penalties, month by month into the $ XXXX range for an original charge that I think was well below {$200.00}, I'd guess {$100.00} ( I still don't know! ) .They have attacked my credit score, which had been very good because I pay my bills. What is my next step? I can't even get them to talk to me?
Product: Debt collection

Portfolio recovery reported a debt on my personal credit without notified me, and also Portfolio and XXXX XXXX both are trying to collect on the same account.
Product: Mortgage

Mortgage company showed a check disbursement for insurance premiums on XXXX for insurance. On XXXX I got a call from the insurance company stating that a cancellation had been sent for non payment. I called the mortgage company immediately, they could provide no receipt or proof payment was sent and said theyd cancel the check and send a new one. On XX/XX/XXXX I called back because our insurance had still not been paid. I was advised that a request for a new check had been submitted but it was never printed and sent, the rep was going to pay over the phone with a credit card. I called back on Monday XX/XX/XXXX, 3 days after the cancellation date, only to find out that the reps credit card request was denied by management in lieu of a check being overnighted. The check was printed ob XX/XX/XXXX, finally mailed on XX/XX/XXXX, and signed for on XX/XX/XXXX, but the insurance company requires XXXX hours to process check payments and since XX/XX/XXXX was a Friday it was not processed until XX/XX/XXXX, leaving us without homeowners insurance for 4 days. I requested to speak to management regarding the issue and they have refused to call me back or speak to me on the phone.
Product: Debt collection

XX/XX/XXXX Amount owed : {$1400.00} Ask the to validate it. They didnt. And refuse to remove my collection all they did was verify not VALIDATE XX/XX/XXXX Amount owed : {$1400.00} Ask the to validate it. They didnt. And refuse to remove my collection all they did was verify not VALIDATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching Experian and the computer that answers the phone makes it impossible to dispute any item on my credit report. What comes up instead are two options. Option 1 is to purchase a credit report. Option 2 is to buy additional services from Experian. 
Experian 's Telephone answering system is defective and is set up to prevent consumers from filing a dispute by phone. I tried filing the dispute online and I am also blocked with a phone message stating that they are able to process my dispute online because there is no option and no way to reach anyone by phone.
Product: Checking or savings account

I requested {$1000.00} be sent to a payee in XX/XX/2023. Bank of America bill pay sent these funds to the payee, however, the payee did not receive the funds. The payee suspected someone stole the check out of their mailbox because it was cashed. The check was endorsed with a stamped serial number which is unlike every check endorsed by the payee for the past 7 years ( I have paid this payee monthly for about 7 years ). The payee filed a police report, suspecting they had been robbed because other checks were not accounted for and cashed by an unknown party. After talking with the local police, I called Bank of America to report the problem. They sent an affidavit to the payee to verify that they did not receive the funds. This is where the problem began. The payee sent the affidavit and a month later, Bank of America said they did not receive it. I contacted the payee again, and they sent another affidavit to Bank of America, and again, they said they did not receive it. By XX/XX/2023, I had spent numerous hours talking to Bank of America, and we tried the affidavit again, and finally Bank of America said they received it. I called in XXXX to check the status and they said now they can not give me the funds because they are waiting on another institution to return funds to them. Bank of America will not reimburse my account even though they have the evidence that the check was fraudulently cashed. I have now waited almost 7 months to be reimbursed from Bank of America, who, according to their website, assumes the liability for fraudulently cashed checks.
Product: Credit card or prepaid card

received a U S Bank Reliacard to receive unemployment benefits that I never applied to receive nor am I unemployed. The card was sent to my home address however the name on the card is not my legal name - a portion of the name is correct but not the entire name
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX  XXXX credit card for XXXX $ these are all fraudently and i never had the knowleqde or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation