23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have an unemployment forbearance. The unemployment forbearance is currently in effect. 
Problem : The credit reporting companies are reporting me as late, all while the forbearance is in place and the lender does not consider me late. First of all, the forbearance should have been in place months before, I simply did n't remember the option. Second, making me whole ( and I can argue the fairness of whole ) and not late or past due with the company and they get to keep reporting it as late seems unfair and deceptive. 

The CFPB should not allow late payments, which are included in the time of the forbearance, to report as late on the Credit Bureau. This practice serves no purpose, is unfair, and hurts the borrower more than it helps. What 's the point, being late and getting a forbearance, or just letting it all go bad?
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT No. XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX  Balance : {$1200.00} ; XXXX XX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
In XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of XXXX. XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EQUIFAX may constitute a form of XXXX, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

My concerns remain unaddressed despite my attempts to resolve this issue directly with EQUIFAX through Certified Mail.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to XXXX and Equifax disputing inaccurate information and Complaince violations on the reporting of information on my consumer reports, XXXX  and Equifax sent me am email saying they won't investigate my disputes. I have the right to dispute whatever I feel is in accurate on my reports according to the FCRA, I sent another round of dispute letters via Certifiede mail on XX/XX/XXXX th and.got the same email saying the won't investigate my disputes, I want to know what happened.to my letters.? It costs me money to create through software, print through 3rd party printing company, and to send my letters. I'm asking then CFPB to.follow up with XXXX and Equifax on the disputes letters I sent them and to properly go through my dispute letters and do a proper investigation of what's I requested and challenged in my dispute letters sent on XX/XX/year> and XX/XX/year>. I Will fill new complaints with the FTC and The Attorney Generals Office next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft.
Product: Credit card or prepaid card

my cash app credit card didnt apply the discount it offers. 
i made a couple purchases with my cash app credit card and applied a discount it offers when purchasing from different businesses. on both occassions the boost, or discount, was not applied. i tried to get my refund or boost from cash app but all they they did was send me an email with directions on how to use XXXX  and that they could not longer help me and were closing the case. I have used the XXXX  many times successfully and am aware of how it works. for some reason it didnt this time and i would like to refunded the discount it promoted. 
the complaint made to cash app is referrenced ref : XXXX : ref
Product: Student loan

-XXXX XXXX : Submitted a request to get a refund on any payments made after XX/XX/XXXX XXXX : Received an approval e-mail message from Nelnet. 
-XXXX : Balance reflected back into my account. However, I do not know the exact date since I did not receive a notification from the lender. Realized that my balance had gone back to what it was before the requested amount only because I logged in to check. 
As of XXXX I have not gotten any money back neither by check or direct deposit. 

All payments have been made online since I started paying my student loan.
Product: Credit card or prepaid card

I have to been disputing transactions nonstop with Apple for the past two years. These were fraudulent charges. I have explained to the company multiple times over and over. I was recommended to reach out to you guys to help with this matter. I have been experiencing unknown charges on all credit cards I own. For XXXX my disputes have all go through besides XXXX and Apple. Theyve both been affecting my credit score tremendously. There was a period of time these charges took place. XXXX XXXX XX/XX/2022. I have shown proof to the companies. I do not claim any of these charges and wish for XXXX  and apple to wiped off my credit report.
Product: Debt collection

I believe I am victim of Mortgage and Mortgage Servicing Fraud. JP Morgan Chase and XXXX XXXX XXXX. are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  / XXXX  : I am responding to your contact about a debt you are trying to collect. 

Please supply the information below so that I can be fully informed : Between XX/XX/2020 and XX/XX/2020, a new account in collections was added to your report. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX  XXXX. 


This debt was removed over 3 years ago for lack to validation within 30 days by all 3 Credit reporting agencies. Please go back in history and check to see the deletion. Now IC Systems is reattaching the debt again 3 years later. THIS IS ILLEGAL Attaching the debt 3 years later also stretches the date, which is also against the Fair Credit Reporting Reporting Actwhich is also ILLEGAL. 

Please remove from all Credit reporting agencies and they after frauding the debt and the date When I wrote the company itself, I demanded a copy of they contract or bill, and they could provide neither and nothing, not even original creditor, date of debt. Which is irrelevant since the debt was never validated 3 years ago within 30 days and removed from all 3 Credit Agencies, and NOW is put back on with a new starting date ... all illegal according to the Credit Reporting Reporting Act I am unsure WHY when I disputed the debt, your company validated the debt with NOTHING to prove the debt was good. Especially after it was proven invalidated years ago, and removed. Somebody needs to do their job more carefully. This lowered my credit 49 points. 



I expect this debt to be removed from my credit report IMMEDIATELY. I will be filing a complaint with the : State of Oklahoma Attorney General, XXXX XXXX XXXX  FBI XXXX  Fraud Division
Product: Debt collection

Collecting agency keeps calling and harassing and using the filing with you language
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing sent a collection letter in which I replied seeking verification in the form of a signature. They have not sent the requested documentation and illegally added this account to my credit report.
Product: Payday loan, title loan, or personal loan

I went to the XXXX XXXX XXXX in XXXX XXXX, AZ on XXXX XXXX. I was not aware that they were owned by EZ Pawn. I went in and took out loans on some 4 rings and a flute. I was told that I would have 90 day loans on these. I specifically asked to take out loans and not sell that I wanted to come back to get them. When I went back to try to extend some of the loans, the manager became very rude to me and told me that she was going to " trespass '' me out of the store and that she did not know that they were " not supposed to do business with me '' after I had filed a complaint with the CFPB on EZ Pawn. Once again, I was not aware that they were owned by the same corporation. XXXX XXXX was the area manager for XXXX XXXX and XXXX XXXX XXXX XXXX, AZ shop. I was very upset about this. What is also upsetting is the fact that she tried to tell me that the loan was only for 30 days and not 90 days. Another employee told me that this was wrong and that the loans by AZ law are for 90 days. I went back to extend the platinum ring. I had the money with me and they told it was not worth much and did not take my money at that time. I have now lost every piece of jewelry with this store and my flute. This was worth thousands of dollars. I do not think it is fair to let someone take out loans, mislead them on the terms and conditions of to the loans, obtain the property, and then accuse the person of trespassing and try to accuse them of committing a crime of trespassing when they try to pick up their items. This could be considered " theft by deception '' on the part of the pawn shop.
Product: Credit card or prepaid card

At around  XXXX   XXXX  PDT on  XXXX   XXXX ,    2017, I logged into my online account associated with a Bank of America prepaid VISA debit card ( California unemployment benefits ). When I attempted to transfer funds from the prepaid card to my person al bank account ( in order to cover my monthly rent check ), I received a message that said that money transfers were " temporarily '' unavailable. The website did not indicate if and when users next could transfer funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Elan Financial Service located in XXXX XXXX, Missouri. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Elan Financial Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to XXXX, XXXX & Equifax they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Regarding the update of case number XXXX : " YOUR COMPLAINT XXXX is a scam small company by claiming everything is free shipping and free return in 30 days on their front page to seduce customers to purchase items on their websites like those big companies XXXX  and XXXX and etc. I tried to cancel the items in 2 days when they are still in process they didn't allow me to cancel anymore and I went for return and then it suddenly showed up the return fee is going to be {$79.00} for drop off or {$83.00} for pick up. I called the customer service to refuse it they said there is no way I could refuse it I have to pay {$79.00} or {$83.00} for return. I tried to refuse it but the XXXX dropped the item off without my permit or signature. I called XXXX to refuse they told me there is no way I could refuse it I have to call the sender to pay them for refuse. I believe {$79.00} is the double shipping for both way I am being forced to pay double shipping to refuse the item I never signed it or accepted it. I called the PayPal credit card company for dispute they opened the file right away but didn't allow me to refuse the item I never opened it or signed it and didn't allow me to open a dispute on PayPal to refuse or return. Now I am forced to keep the unopened item and there is no way I could refuse or return without paying huge amount of shipping fee that XXXX trying to scam that is not in their description '' I was using PayPal credit synchrony bank for the purchase and filed a chargeback and they didn't allow me to file a dispute with PayPal for refusing or return. I don't want to hold the unwanted item that left at my door without my signature and I don't want to pay any shipping fee for refusal
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX IL 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

My husband and I selected XXXXXXXX XXXX  as our mortgage loan provider upon our home purchase, and a few months later they sold the loan to New Rez, our current loan servicer. 
My husband and I reached out to our insurance provider last week ( XXXX ) for a copy of our homeowner 's insurance policy to see if we wanted to update it. We were informed by XXXX that our policy had been cancelled due to non-payment. Our insurance is meant to be paid out via our escrow account. XXXX told us that a cancellation letter was sent to both our home address and New Rez 's address to notify us that they were cancelling our policy. Our home address is on XXXX XXXX, Hawaii, and can not receive mail. New Rez claims they never got a notification letter, even though we confirmed XXXX had their correct address. 
We called New Rez to inquire why they did not pay our homeowner 's insurance and they told us they had. After many back and forth calls between the insurance company and New Rez ( which took hours of our time and frustration ), we found out that when New Rez took over the loan back in 2022, they had mistakenly loaded/labeled our Hurricane insurance policy as our Hazard/Homeowner 's Insurance policy on their system. They therefore only had one line of insurance listed for us, which in Hawaii it is required to have two - Hazard/Homeowner 's AND Hurricane.

New Rez confirmed that the policy they have on file as our homeowner 's insurance is actually our Hurricane policy. 

New Rez is now saying that they will be placing LPI lender place insurance on our account. Additionally, we are in the process of reinstating homeowner 's insurance which will come at a higher premium than our original insurance had they not failed to pay. We do not believe we should be responsible for either of these amounts, since New Rez : -Made an error when onboarding our line -Failed to ensure they had two lines open for our account, which is a requirement in Hawaii and they would be in trouble should they be audited -Did not pay our homeowner 's insurance, which is a RESPA violation -Made it difficult to find out what the problem was, hung up on us, " transferred '' us to a supervisor only to be hung up on and not called back, tried to get us to immediately reinstate our policy using our own escrow account, told XXXXXXXX XXXX ( not us! ) that they would be placing a LPI on our account due to their own error.

New Rez should be responsible for these amounts. 

XXXXXXXX XXXX ( now XXXXXXXX XXXX ) has been incredibly helpful in answering our questions and trying to help us solve the issue despite no longer owning our loan.
Product: Debt collection

transworld system inc stated several time to me that they are part of the Unites State Treasury department trying to collect a Veteran affairs ' medical debt.
Product: Mortgage

I don't believe the monthly payment amount is correct. The loan amount is {$340000.00} with an interest rate of 3.875 percent over a 40 year term. By my calculation and using various calculators online, the monthly amount should be lower than {$1400.00} per month.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX  Credit card was used at gas station XXXX XXXX XXXX, XXXX, Texas XXXX. 
Skimmer device was used to copy the data of credit card and make unauthorized fraudulent transaction at multiple gas station in XXXX, XXXX, XXXX and XXXX. Texas for various amounts. 

XXXX police department was informed and a skimmer device was found at gas station where the card was initially used on XX/XX/XXXX. 

XXXX police department asked me to file a complaint at FTC.gov.
Product: Checking or savings account

My complaint is with Truist Bank. 

I opened up an account with his bank. They are not located anywhere in XXXX This blank blocked any access to this specific account. Left my funds in the account and would not allow me to withdraw them. They have asked me to verify my identity, and the only way to achieve that would be to step into a branch and show my photo identification. however, there is no local branch here in XXXX They have told me that this is the only way that I may get this done. I have been bounced around from their XXXX XXXX XXXX  department to their fraud management department to regular customer service. I have spent countless hours on hold with each department. I have been giving solutions with the timelines that have never been met, and yet I am receiving monthly bank statements in the mail every month with my balance, slowly going down due to monthly service fees. This has been going on for a little over a year now. I attempted to open up separate banking accounts with them to try to just do an internal transfer and they gave me access to those accounts that were newly opened, but restricted access to the account that had my money in it. I have experienced extreme financial hardship due to this, and theres been no effort on their end to try to rectify the situation.
Product: Payday loan, title loan, personal loan, or advance loan

Today, XX/XX/2024 at XXXX, I tried contacting Forward Funding at ( XXXX ) XXXX to see if I could apply for debt consolidation. After asking a few questions, I was asked my Social Security Number. The customer service worker on the phone then asked for my date of birth. Before I could respond, I was disconnected. 

Prior to this, the phone call had no connection issues. We heard each other perfectly fine. Given that I was already skeptical about calling given that I received a letter to apply in the mail, I am worried these are scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

lvnv funding proceeded to judgment in the wrong forum despite the fact i disputed the total amount of debt with original creditor and debt collector to no avail. they never validated the alleged debt lvnv has committed FDCPA/OCSPA VIOLATIONS- filing suit arbitrarily in wrong forum, and pursuing a debt supplier knows has been cancelled See ; State ex rel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ohio XXXX. XXXX ) Section 1692e ( 5 ) of the FDCPA prohibits debt collectors from threatening or taking legal action that can not be taken legally. case-XXXX- XXXX
Product: Debt collection

ACIMA DIGITAL FKA SIMPLE is reporting on my XXXX and XXXX credit file an account that I have no knowledge. The first time I had knowledge of this account is when it came up as a debt collection on my credit report.