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

I submitted a formal dispute to Equifax on [ insert date ] with clear and legible supporting documentation, including a government-issued ID and my Social Security card . These documents were provided in high-quality electronic PDF format, ensuring full compliance with Equifaxs stated requirements for identity verification. Despite this, Equifax sent a response on XX/XX/year>, falsely claiming the documents were illegible. This response is not only inaccurate but also appears to be an attempt to delay or avoid addressing the inaccuracies I have disputed in my credit file. The FCRA requires credit reporting agencies to conduct thorough and timely investigations into disputes, but Equifaxs handling of my case falls short of these legal obligations. This type of mishandling aligns with the Consumer Financial Protection Bureaus ( CFPB ) recent allegations against XXXX, which cited similar failures to properly investigate disputes and accurately update credit files.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by fake XXXX customer support which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report recently and I discovered that there XXXX accounts reported that I did not give permissible purpose, 15 USC 1681b. The information that is reported has and is adversely affecting my character, creditworthiness, reputation, and mode of living. As a consumer, described under 15 USC 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, the GLBA, and Title 18 under Identity Theft. 15 USC 6801 & 6802, emphasizes the importance of securing non-public personal information and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, which is a clear indication of 18 USC 1028 Therefore, I kindly demand a block of all the accounts, per 15 USC 1681c-2 ( a ). Accounts : XXXX XXXX - {$1500.00}, XXXX XXXX XXXX  Associates XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$1000.00}, XXXX XXXX XXXX XXXX {$540.00}, Hard Inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never received any notice from this collection agency. The collection agency is Midland Funding. I want this removed from my all three of the credit report bureau.
Product: Debt collection

Kohls charge was paid on XX/XX/2018 to XXXX in the amount of {$410.00}. This was a settlement amount. Paid by XXXX XXXX I have filed disputes with the credit bureaus who keep saying I owe {$500.00}. XXXX will not answer and Kohls will do nothing. I have submitted both the settlement offer letter and the payment ledger. Since submitting a dispute my credit score for XXXX dropped 84 points. Both XXXX and XXXX went back the last 4 years and added derogatory marks after I filed the dispute. Please, please help me with this.
Product: Payday loan, title loan, or personal loan

This is my second cfpb complaint. My name is XXXX XXXX and I owner- retain purchased my vehicle back from USAA after it was totaled XX/XX/XXXX. I still to this day have not received, nor has the MD XXXX, gotten the proper OWNER-RETAIN SALVAGE TITLE PAPERWORK, so I can register my vehicle. My temporary tag expired XX/XX/XXXX, it is almost XXXX, and USAA / XXXX ( the company they use for totaled vehicles ) has not completed the proper paperwork so that I can register my vehicle. I have called about this issue constantly, emailed constantly, even stopped by the XXXX in XXXX, Maryland that I purchased the vehicle back from & the same answer, it's being worked on & I have to wait, it's been 1.5 years & still no one has given the XXXX, or me, any type of OWNER-RETAINED SALVAGE TITLE paperwork. I paid for my vehicle in full to USAA 1.5 YEARS AGO No problem, on the spot, and again no one at USAA has fixed this, oh yeah, & this is my second CFPB complaint, for anyone that didn't read the start! My second complaint for such a small issue for the Large corporation USAA, and this is their customer service they are presenting to consumers, I just have to say this is the worst XXXX & XXXX customer service that I have ever dealt with. I have never called, emailed, stopped by offices about the same small issue and no one has fixed this. I just want to put a license plate on my vehicle and drive legally without receiving tickets or towing. I've had both happen already because of not having a valid md registration. This is ridiculous
Product: Checking or savings account

I CHECKED MY CREDIT REPORTS AND NOTICE THAT MY IDENTITY HAS BEEN STOLEN AND MY BANK ACCOUNTS WERE HIJACKED AND ALSO ABUSED AND SHUT DOWN FROM FRAUDULENT BOUNCED CHECKS THE FOLLOWING BANKS WERE AFFECTED 1XXXX XXXXL 2.XXXX 3.XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX is illegally reporting payment transactions on my XXXX credit report XXXX XXXX # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} XXXX in loans for XXXX former Kentucky students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} XXXX in outstanding loan debt held by more than 80,000 former students. 

The state and federal settlement with one of the nation 's  largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} XXXX. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} XXXX in loan forgiveness to 5,530   Indiana students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this XXXX XXXX   closed my accounts but did not remove them. I would like them removed also
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX on XXXX XXXX at XXXX I was contacted from the chase customer service number telling me that there were some fraudulent activity on my account that there were some wire transfers pending and the representative said we had to schedule a reverse wire transfer he then proceeded me through the process only to have me transfer all of the money out of my account {$17000.00} I contacted the chase number back as soon as possible they said the transfer was completed I let them know it was a fraud and I had been scammed by a representative im currently waiting to hear back from them with no hope. I also went to my nearest chase branch and there was nothing they could do. The same day I called XXXX XXXX XXXX which is the thiefs bank where the money was wired they said they couldnt help me and could only talk to the fraud team at chase. I later messaged chase fraud and they spoke to XXXX  XXXX XXXX and said they were requesting a hold of harmless letter which chase would not give me. I have contacted XXXX XXXX XXXX XXXX XXXX only then did I hear from a chase executive representative she took days to get back to me. She was able to send a hold of harmless but i have not heard anything. I am a mother of two with one on the way this was all of my savings they took all the money and left me nothing I have no hope that chase will help me so I am reaching out with hopes that you might be able to help me please feel freee to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXXXXXX. I canceled it in person years ago. Apparently they didn't cancel it and the money for auto renew kept being taken from my account and I didn't notice as it was only XXXX a year. The original bank that held the card got bought out by XXXX  XXXX. They activated a new line of credit without my approval. This has damaged my credit as they also charged a new bjs membership and it went deliquent. When we tried to explain and requested they take the deliquent reporting off they said they may do something after 90 days. This puts me in jeopardy of not getting a good loan on a roof replacement caused directly by them when I have no other derogatory remarks on my credit history. It took them over an hour to even accept it might be a fraudulent zombie account. They kept stating it isn't fraud because I agreed to a XXXX in XXXX. The original card expired in XXXX and I have never seen any other card.
Product: Mortgage

Since COVID, I used the COVID forbearance because of financial demands and job loss. Wells Fargo set expectations that the missed payments would be deferred, and consistently told me they would be when I started payments. 

In XX/XX/XXXX, I started a loan modification process to see if the payments could be lowered. That was declined. 

Around XX/XX/XXXX we got a collection call from Wells Fargo saying we were in default and needed to pay $ XXXX in payments and fees. 

On XX/XX/XXXX, I worked with an agent to setup the deferral of payments and began monthly payments on XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I was told that that I do not qualify for a deferral and I am in default by some agents and some agents said I was under review by underwriting, and still other associates said that I need to reapply for a loan modification to seek a deferral. 

On XX/XX/XXXX I received a letter that I need to pay $ XXXX to get out of default for my mortgage and if I did not pay that by XX/XX/XXXX, I would be in Foreclosure. 

My income has increased and I am prepared to make my monthly payment in line with the agreement made on XX/XX/XXXX. I believe that I have been misled and communications and decisions have come from flawed education and automatic system processes. 

After hours on the phone with Wells Fargo, they are stating that the letter saying I am in default and foreclosure will start XX/XX/XXXX was an error. They are reviewing my request for defferal, and will know a decision from the XXXX in 30-45 days from the XXXX. I do not trust they know what they are doing to ensure I do not enter foreclosure on the XXXX while awaiting their decision.
Product: Credit reporting or other personal consumer reports

The following accounts are violating my consumer rights. Pursuant to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following accounts are opened ended credit plans and shall be updated the to show as 100 % paid on time 1. XXXX XXXX  Account XXXX : XXXX 2. XXXX XXXX  Account XXXX : XXXX 3. XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

In XX/XX/XXXX I was behind on my mortgage. I paid the almost {$1500.00} to catch up my notes. In XX/XX/XXXX Carrington Mortgage stated that I was {$2700.00} behind in payments AGAIN. I did not agree with their records but I had to get my mortgage paid. I paid the {$2700.00}. I was told by a Carrington employee that the {$2700.00} would completely catch me up and my next payment would be due the end of XX/XX/XXXX. When I received my XX/XX/XXXX statement it said I was AGAIN a month behind!! I have paid my mortgage every single month since catching it up in XX/XX/XXXX. They add late fees every month from the payment they said I was behind on from XX/XX/XXXX! I paid my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I received papers left on the floor of my carport. I almost didnt see them! They are now saying I owe, AGAIN, {$2000.00}! I looked online at my statement and I had no idea that my XX/XX/XXXX payment was Rejected due to Payment Account Not Found. I Had no idea this happened or how it happened as I use the Same payment method every month. I did not receive a phone call or anything from them. Now they are charging me more and more late fees. Yet, their records still say my last payment was made on XX/XX/XXXX. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : Creditor Name.

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by XXXX which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error.
Product: Mortgage

Beginning on XX/XX/2021, my wife and I engaged XXXX XXXX from Mann Mortgage , LLC in order to secure a conventional mortgage for a house. 

During this process we submitted three offers to three different sellers for three separate properties along with separate preapproval letters from Mann Mortgage. Although we submitted all required materials to apply for loans for each of these properties, it was only after our third offer that a good faith estimate ( GFE ) was provided to us, which I believe is in violation of 12 CFR Part 1024.7. 

The submission dates for each offer are as follows : - XX/XX/2021 Offer rejected - XX/XX/2021 Second backup position accepted - XX/XX/2021 Offer accepted Once we finally received our GFE after our third offer was accepted, we decided to engage other lenders to seek out a better rate, which we ended up finding. Upon reengaging Ms. XXXX in order to negotiate, she threatened to contact the sellers ' agent, which we had not authorized and with whom she had a personal relationship, and implied to us that she would be doing so in order to jeopardize the sale if we decided against moving forward with her. 

She also contacted our Real Estate agent. Our agent relayed to us later that XXXX had attempted to " get her [ our agent ] on her [ Ms. XXXX 's ] side '' in order to jeopardize the purchase of our home and which point our agent told her that " she would not blow up this deal ''. 

I have subsequently learned through the Real Estate company that we contracted that they've fielded several other complaints about Ms. XXXX since our experience and I firmly believe that had we not contacted an attorney and threatened legal action for interference with a contract that she would have continued in her efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a collection account being reported on my XXXX and XXXX credit reports from Collection Center, Inc. of Wyoming. Sent dispute letters via U.S. Mail  on XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion was given a formal complaint via electronic transaction with XXXX and was provided with investigation number XXXX. 
The investigation was completed on XX/XX/XXXX. These dates and information at this point demonstrates that Transunion is in violation of the 30 day agreement as set forth by the guidelines of the FCRA. Transunion has been contacted and is failing to admit responsibility of clearly failing to comply with the FCRA requirements. No further complaints by other consumers or any notifications on Transunions website or publication otherwise including letters, emails and social media demonstrate any delays in their system. Therefore Transunion shall have no choice but to delete the following accounts XXXX- Reason part of Chapter XXXX bankruptcy {$0.00}, disputed as not my account XXXX  XXXX Reported on XX/XX/XXXX Amount {$77.00} - Disputed as Not my account or belongs to someone with a similar name XXXX Reported on XX/XX/XXXX {$0.00} _ reported as exceeding time to list on credit report XXXX Reported on XX/XX/XXXX {$0.00} Part of a Chapter XXXX bankruptcy Transunion has been notified repeatedly that I have not filed for bankruptcy and is not listed on my credit report as all Bankruptcy charge offs for Chapter XXXX are reported. Transunion still fails to acknowledge based on this information that the information is inaccurate. Transunion also claims they have supporting documentation for each account reported and verified as accurate yet refuses to provide the information used to justify their actions. 

Transunion is in violation of FCRA including any past disputes on the same accounts that did not exceed 30 days. Transunion should be directed to delete these accounts immediately from my credit report based on factual information listed in this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I received one notice about a late payment from AES/PHEAA. My student loan had been in deferment, plus I was under the impression that government student loans were to be automatically deferment until XX/XX/2020. I checked online and AES showed a payment owed of {$50.00} was past due and there was interest and fees. I paid them {$500.00} on XX/XX/2020, well over what they were asking for. Their account statements showed they removed my deferment from XXXX (? ). I called them and was able to speak with someone on XX/XX/2020 at XXXX. The representative stated that they removed the deferment because even though this loan was service by the ( a state government agency ) that it was owned by a private lender ( a bank ) and that it does not count towards the federal CARES Act. I asked about credit reporting and COVID-19 options with this student loan and the representative explicitly told me that no negative reporting was done for this student loan and that the account was showing current and paid, with no payments being due for a few months. I was very specific with her about the credit reporting and that I didn't believe this was right with not being treated like all other government loans under the CARES Act. She assured me again that everything was showing paid and current, and there would be no negative credit reporting. Today I have viewed my credit reports because my score has dropped 70 points, and it is because AES has reported negative information to my credit for a missed/late payment. I have filed dispute with each of the credit bureaus seeking that this information be removed per what the representative told me. I believe AES is using very deceptive practices here, especially during a time where the CARES Act was specifically put in place to help those with government student loans. My other government loans have are owned by banks/serviced through other entities other than the Department of Education, but they are still GOVERNMENT LOANS. They don't just get disregarding because a lender is servicing them. I want this negative reporting showing for the month of XX/XX/2020 removed from my credit report. This is not the first time in my history with this company where they have done this. In the past, they have also " lost '' payments I've made, or incorrectly applied my funds then have tried doing the same or disqualifying me for interest rate reductions, etc. Because I want nothing else to do with this company, today I requested my loan payoff amount, which is {$1600.00}, and I paid this amount in full to AES today XXXX. I am requesting that AES/PHEAA remove their negative reported information from all three credit bureaus immediately. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

My Citibank Diamond and Thank You Preferred cards decreased my credit limit an enormous amount because I am " using them more lately. '' I'm using them more lately because I haven't been able to work during the COVID crisis. I was depending on my credit to buy groceries, etc., through this hard time that we are all going through. I have made no late payments, have not skipped any payments, or asked to defer payments. Payments have continued to be made as agreed. They decreased the limits on both cards to the extent that I have {$36.00} available credit on the Diamond and {$56.00} available credit on the Thank you Preferred. They basically cut off every bit of credit that had extended to me. I have called and emailed the company explaining the circumstances. I spoke with XXXX XXXX who was very rude and offered no assistance. Not only has this cut off all credit that I needed, it also has substantially damaged my credit score by decreasing the amount of available credit I have. I am simply asking that Citibank restore my credit limit on both accounts. They will continue to be paid as agreed as they always have.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's credit karma I always felt something was not right I gave my information write it down and they are pre-approved me and also I'm not approved in the next thing I see on my credit report hard inquiries something is not right why did this even me I don't like that I don't like that at all why that prove you you've been approved and then the next thing I'm looking hard inquiries XXXX XXXX XXXX XXXX and it's too many of them and I've been disputing about something for a long time to be removed because I know I paid it off and it's still there and it's like I'm battling a hard mountain