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

On XX/XX/XXXX I received notification that I was declined for a loan with First Midwest Bank that was presented to me through the banks online program as all but approved. The method of presentation and contact with the company stated that the approval was all but assured and that the rate would likely be at the lowest available rate based on the information provided. 

The operator from contact today ( XX/XX/XXXX ) became very argumentative and rude when I asked to cancel the application based on false advertisement and misleading statements made by previous operators and their pre-approval system. She then refused to escalate my call to the proper channels and stated that they do not have a escalations system. 

This was a very misleading process and feels predatory in nature, and for as fast as the operator was to become confrontational and unprofessional, it would seem to me this happens often. 

Conversation was concluded with the operator telling me that my only method of relief would be to lodge a complaint. So here I am.
Product: Credit reporting or other personal consumer reports

I am once again filing a complaint against MOHELA XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding the improper handling of my student loan account and the inaccuracies reported to all my credit bureaus. 

According to my XXXX credit report, my student loan account with MOHELA is marked as closed and paid off. Despite this, I continue to receive statements from MOHELA claiming that payments are still due. Additionally, other credit reporting agencies ( XXXX and XXXX ) have not updated my reports to reflect the accurate status of the loan, causing potential harm to my credit standing. 

per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed as per XXXX, MOHELA continues to report inaccurately to other bureaus, thereby violating provisions of the FCRA. 

Under FCRA, MOHELA is responsible for correcting any inaccuracies once notified. My repeated efforts to rectify this issue have been ignored. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : False Representation, By sending me erroneous statements indicating outstanding balances for a paid-off account, MOHELA has engaged in deceptive practices, violating the FDCPA. 

I have contacted MOHELA to dispute the statements and requested a correction of their records to align with the paid-off status reported by XXXX. see attached correspondences. 

I have also filed disputes with XXXX and XXXX to update their reports accurately.
Product: Prepaid card

On XX/XX/2024 I attempted to use an atm, I was trying to withdraw {$400.00}, the atm lagged, gave me an error message, then the display said amount requested {$400.00} amount dispensed {$0.00}. Initially, Id assumed maybe Id reached my daily limit, so I tried again, but at {$300.00}. Same delay, same error message, then again amount requested {$300.00} amount dispensed {$0.00}. Immediately I pulled up the Serve app to make sure there was enough funds available ( I had just received my tax refund, so that wasnt the issue ), but I noticed my account had been charged/debited the {$400.00} + atm fees, and the {$300.00} + atm fees. So I tried to contact Serve. Apparently since I NEVER received my personalized card, I have no way to speak to anyone or further my complaint thru the app or website or anything. I then tried again to reorder a personalized card as I never received it, but Im unable to because I already requested one months ago. 

Initially I was hoping maybe they would realize the error by the following Monday ( I believe it was a Saturday ), but nothing happened. Ive tried several times to contact Serve to no avail. Ive also contacted XXXXXXXX XXXX XXXX as that was the location of the atm I was using, via telephone at their corporate office 2x, via email to the owner of the company, and via their websites contact us feature. Including my name, phone number, email etc and letting them know my situation, even telling them Im just trying to cover my bases if they have any documentation of the atm transactions and then realizing that {$700.00} was not dispensed, either to prove to Amex or whatever. 

On XX/XX/2024, I sent a handwritten letter to the address listed on Amex Serves website for any dispute ( since I cant speak to a real person ), sent certified mail I have the receipts, but it was apparently only picked up today ( as I received the confirmation email this morning ). 

Thank you for your time and any help you can provide
Product: Mortgage

My mortgage servicer, Loancare, paid taxes from my escrow account twice, each for a different amount, in XX/XX/2016. The result was that the escrow account was overdrawn. The tax assessor 's office only has a record of Loancare making a payment once. 
Loancare is now charging me the difference in my escrow account on a monthly basis. The previous mortgage payment was {$2000.00} and the new payment is {$3400.00}. I have contacted Loancare several times regarding this and they have not yet provided a correction or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

I am currently in a forbearance plan due to unemployment. I have been receiving delinquent tax bills from the state property tax department. I have contacted my lender on numerous occasions. No resolution is being provided to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. The company has reported conflicting and incorrect information to all three major credit bureaus ( XXXX, Experian, and XXXX ), resulting in errors that have negatively impacted my credit score and financial standing. 

Specifically, I have identified the following issues with XXXX XXXX XXXX  reporting : Charge-Off and Paid as Agreed : XXXX XXXX XXXX has XXXX accounts listed on my credit reports that are marked as both " Charge-Off '' and " Paid as Agreed. '' These conflicting statuses are misleading and do not accurately reflect the status of the accounts. 
Late Payments Reported Incorrectly : The credit card company has reported late payments on my account, which is inaccurate. I have always made payments on time and have documentation to support this. 
Inconsistent Reporting Across Credit Bureaus : The information reported by XXXX XXXX XXXX  is not consistent across all three credit bureaus. For example, some bureaus show missing or incorrect account details, while others have incomplete or conflicting data regarding the status of the accounts. 
I have made multiple attempts to resolve these issues directly with XXXX XXXX XXXX, including [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the errors have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. I also request that XXXX XXXX XXXX  be held accountable for their failure to report accurate information and for not resolving the discrepancies in their reporting. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need any further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX  XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act 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 an or my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XX/XX/XXXX TD AUTO FIN Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX TD AUTO FIN Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has 2 balances reporting on my credit report from XXXX XXXX XXXX that I am not aware of. A balance of {$25000.00} ( XXXX ) and {$3500.00} ( XXXX ) has been reported open as ofXX/XX/XXXX. This is incorrect/inaccurate reporting. I DO NOT OWN THESE DEBTS, NOR THESE ACCOUNTS, WHICH ARE REPORTING OPEN. Please DELETE them from my credit report pursuant to 15 USC 1681 and 15 USC 1692. I have included all necessary documents including an FTC XXXX XXXX ( Ref # XXXX ). Thank You.
Product: Student loan

Several years ago, I learned of XXXX student loans on my credit report when applying for a home loan. I contacted XXXX XXXX and they stated that I cosigned my ex-wife 's loans. I denied ever signing her loans and requested a copy of the contracts. After many months of many requests, XXXX XXXX sent the contracts without my signature but with an unknown email address and random sequence of numbers. When I spoke to XXXX XXXX, they said that the contracts had been signed electronically with the falsified email addresses ( XXXX separate email accounts ). I denied ever having access to these email accounts and asked how my identity was validated, which I never received a response. Instead, I was referred to their fraud department. 

XXXX XXXX 's fraud department instructed me to file a police report to have my name removed from these accounts. Immediately, I filed an identity theft report with the FTC, police report with my local police department and the police department where the fraud occurred. Neither police department would pursue the case because the majority of the loans were outside of the statute of limitation. Secondly, I was informed by XXXX the detectives that because the allegation of fraud was my ex-wife, the issue was a civil matter, not criminal. 

When I contacted XXXX XXXX with this information, they told me that they would not remove my name from the account without validation of forgery from the police. They recommended that I take my ex-wife to court. Afterwards, I retained an attorney and was awarded an enforcement order against my ex-wife to indemnify me from these loans. During the legal process, the loans transferred to Navient Corporation. I spoke to their fraud department and sent a copies of the the court order and police reports ; signed affidavits from people that could attest that I never used the email accounts used to cosign my name in the loans ; proof of an unrelated document that I discovered my ex-wife had forged my signature ; copies of tax returns to demonstrate false information provided about my employer and salary ; and proof that I had been XXXX and XXXX when XXXX the loans were signed. Navient did not respond. 

After I had received the court order, my ex-wife defaulted on the loans. Consequently, Navient has reported this information on my credit report, resulting in a XXXX point loss in my credit score. This has resulted in revocation of credit lines with my banks. Also, I have been counseled by my employer that my security clearance may be revoked as a result. 

I tried resolving this issue with Navient but they will not release my name from their records. It appears that my only recourse is to spend an additional $ XXXX for an attorney to hold my ex-wife in contempt. Regardless, this will not stop Navient from trying to collect from me.
Product: Debt collection

Company did not respond to requests company not bonded in state of Ohio there was a insurance claim on XXXXXXXX XXXX Company purchased debt from original credtor
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been A victim of identity theft!! Ive sent numerous ftc reports to both Experian & XXXX. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both XXXX and Experian responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other information on my consumer report. 

I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Invasive Request for Personal Information Reference : XXXX Dear Experian Customer Services, I am writing to formally express my dissatisfaction with your recent request for an excessive amount of personal information, specifically the requirement for six previous addresses to correct an account on my credit report. This request is not only unreasonable but also invasive, and it raises significant concerns regarding your adherence to the Fair Credit Reporting Act ( FCRA ) and your obligation to ensure the accuracy of consumer information. 

Your email dated XX/XX/year>, ( ref : XXXX ) outlined the need for this information to confirm my identity. However, I must point out that the FCRA, under Section 607 ( b ), mandates that consumer reporting agencies like Experian must follow reasonable procedures to ensure maximum possible accuracy concerning consumer information. The request for six years of previous addresses far exceeds what is necessary to verify my identity and correct any inaccuracies. 

Moreover, I would like to bring to your attention that XXXX XXXX XXXX has confirmed that they have updated my name and sent the relevant information to all three credit reporting agencies as of XX/XX/year>. This is documented in the attached correspondence from XXXX XXXX, which clearly states the updated information regarding my account. There should be no further delay in rectifying my credit report based on this update. 

Experian 's practices have come under scrutiny for failing to conduct proper investigations into disputes, often resulting in the re-insertion of errors on credit reports. Such actions threaten consumers ' access to credit, employment, and housing opportunities. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies if this issue is not addressed promptly. 

I expect a thorough review of my case and a timely response that confirms the correction of my credit report. Failure to do so may lead me to take legal action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

Bank of America.. REG E violation on XX/XX/XXXX I lost my debit card after visiting a Restaurant in downtown XXXX. This is not my primary card, therefore i did not notice it was missing until I noticed fraud on my Bank of America account. I submitted a fraud claim on all transactions that occurred after my last valid transactions and bank of america gave me a provisional credit. That provisional credit was reversed on XX/XX/XXXX and the reasons that were given, were that the transactions matched my spending pattern, were in my area and were at merchants that i have been to. 
These reasons were simply not true. This card is not my primary card therefore i do not use the card often, There were around 30 transactions which occurred in a short span over the course of a few days. Far outside my normal spending pattern, for amounts that i have never spent and almost all merchant i have never been too. The only exception was the card was used at a XXXX which i have been to which was near where the card was lost. Also the card was used to buy a XXXX XXXX pass, which i have also done. 
I am now have a negative balance because my claim was not properly investigated. Bank of America used lies to not pay my claim and any proper investigation would have showed that this was true fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the tax lien on my file 3 times asking for verification and validation. the  1st  dispute Equifax told me to contact the courthouse for verification. I contacted the court house and they sent me a latter stating that they do n't report to the credit bureau, after sending the letter back to Equifax and   XXXX   showing the court house response and redisputing the lien their next response was for me to contact the IRS, which responded the information is inaccurate and they do n't report to the credit bureau as well. I redisputed it again which now Equifax is saying they recieved the information from  XXXX   XXXX . I explained to them that I feel as though i 'm getting the run around and how they are reporting unverifiable information and has not sent me any type of verification which i have been asking for since the first dispute.  XXXX   XXXX  never responded to my last dispute at all.
Product: Debt collection

I'm warning you if you don't sort out this issue within 10 days, I'll report your company to the FTC. You're legally required to respond in 15 days, and not doing so puts you in non-compliance, risking fines up to {$1000.00}. Send me the requested info within 10 days to avoid me going through with the complaint.
Product: Payday loan, title loan, or personal loan

I was recently reviewing my bestbuy credit card statement and noticed that my balance was not decreasing at the rate it should. It turns out I have " end debt protection '' added to my account and it been hitting me with fees going back to XX/XX/XXXX. I never signed up for this and over the years I estimate they have collected more than {$3000.00} from me and THAT WOULD HAVE EASILY PAID OFF THE DEBT. But it went to this fee instead. Best Buy says that I signed up for the service ( which I deny ). I currently work for bestbuy and have been for the past 3 years. This service is explained no where. Its a scam. Best buy and Citibank refuse to give my money back because they say a service provided. ( A service I never asked for. ) But BESTBUY acts like its my fault. I never even wanted the card and never would have gotten it XXXX know it was laced with hidden fees from them and CITIBANK. I'll never promote another card again.

Service started XX/XX/XXXX Service Ended XX/XX/XXXX Bestbuy credit card member since XX/XX/XXXX 0r XX/XX/XXXX Contacted bestbuy to dispute XX/XX/XXXX They responded saying my fault too bad ... XXXX