23daVinci/CFPB_Complaints huggingface dataset:
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 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, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing on going harm to my credit standing. I'am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights a s a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed some medical debt to a company that sold the debt to a collection agency. The debt is from 2019 and should have been paid by my medical insurance company which the original creditor failed to do. The Collection company has been reporting the debt as recently missed payments and are reporting each month as a missed payment which according to the Fair Credit Reporting Act is not allowed. The only person who can report missed payments are the original creditor who the debt originated with. After contacting the company, they continue to report monthly missed payments which is affecting my credit. 

I also asked for the company to verify the debt almost a year ago and they have still not done so. The credit reporting bureaus have also failed to verify the debt as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/ Equifax, XXXX, XXXX and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.
Product: Credit card or prepaid card

On XXXX XXXX, I finally received my replacement debit card edd from Bank of America. A representative helped me activate my card and helped me have access to my account. Bank of America resolved my first claim # XXXX and gave me my {$5200.00} back but I saw that there was a transfer on XX/XX/2022 of {$5000.00} to a debit card XXXX # XXXX. The same suspect did the transfer from the previous fraud that was done in my account. I asked the representative how was that done when I had no access to my account until XX/XX/2022. I was able to see their last 4 numbers of checking XXXX and routing # XXXX. Bank of American never gave me a notification or approval of this transfer. This is the 2nd time that this happens. I reported to the police and filed a 2nd claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX please delete it Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Incorrect name XXXX XXXX Please delete it Please update my correct name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XXXX XXXX XXXX Bank XXXX I sent them letters by mail and called them XX/XX/2022, XXXX, XXXX, XX/XX/2022, XX/XX/2022 and XX/XX/2022 each time filed with thier fraud department about this hard inquiry on my credit report and they keep telling me it will be removed and they have sent reports to transunion to remove it. Transunion said they have no reports from them to remove it and I need to contact XXXX XXXX to have it removed. I have done this over and over for 6 months. Also sent certified letters to transunion, that the post office has receipt and proof they received but transunion reps say nothing is in the system. Apparently they lost the letters after the received them. Transunion also says they can't prove it was me sending the certified letters, even though the letters included copy of my driver ID, copy of my Social security card, copy of my birth certificate and included other personal information.
Product: Checking or savings account

By XXXX XXXX, the bank notified us that my case regarding to fraudulent withdrawl of {$10000.00} from checking account ending in XXXX is closed, again. 

The bank suggested us to file a police report with the affidavit declaring that the withdrawls on XXXX XXXX & XXXX were unauthorized and were not done by us who are the owners of the account. The affidavit was sent to the JP Morgan Chase and was notarized by the County of XXXX XXXX XXXX of New York. HOWEVER, the police station could not let us file a police report with simply using the affidavit and they insisted us to ask the bank for providing a letter stating the case is open and under investigation. 

We then turned to the bank to ask a letter which the police station asked for ; HOWEVER, the bank said they need a police report in order to reopen the case. 

Now the thing is that it is running in a loop. The police needs bank to prove the case is open to file a police report but the bank needs a police report to open the case. We have tried our best to talk to both sides but nothing is improved. 

The fraudulent withdrawls had been taken place for over 8 months and nothing has been done yet. Nothing. We have repeatedly provided the evidence, including the air tickets showing the owner 's absences during the period, proving the owners were absent during the fraudulent withdrawls happened and it is clear that someone used our signature to withdraw the balance from our account unauthorizedly. This is clearly a crime but bank did nothing and they refused to believe this is a crime. They can also use the camera resources from the branch system to view who was illegally withdrawing our account and file a police report but they did not want to take the responsibility to admit this is a crime because they did not want to make any reimbursement. 

This issue has been there for over 8 months. {$10000.00} was stolen, which is 2/3 of our family income. We now live in a proverty and have very little money to survive, especially under the circumstances of global inflation.
Product: Mortgage

We have two homes and two different mortgages serviced by the same Loan Servicing company, LOANCARE. 

Our Check made out to XXXX XXXX XXXX with the loan number written in the memo field was deposited into the wrong account. 

This caused a late payment, We weren't notified, Both my wife and my credit has dropped 78 points. 

I spoke to the LOANCARE who admitted the mistake, they told me to write an email and send it to paymentresearch@myloancare.com which I did, Friday, XX/XX/XXXX. As of today, XX/XX/XXXX, I have had no response from LOANCARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on your behalf. When is XXXX going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX : {$8300.00} Date Opened : XX/XX/2020 - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX Balance Owed : {$0.00} - Please give proof that my privileges have not been suspended and that this account should be shown on my credit record. Otherwise, delete this detrimental information right away. 

XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} - You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX XXXX Balance Owed : {$0.00} On my credit record, you have shown a DELETED account from another bureau. FCRA mandates that reporting be entirely truthful. Please delete this detrimental information right away. 

XXXX XXXX Balance Owed : {$0.00} - My credit report contains information on a DELETED account from other bureaus. The FCRA requires complete accuracy in reporting. Please promptly delete this detrimental information.
Product: Credit card or prepaid card

TD Bank 's policies are putting customers at increased risk of Coronavirus. Further, they are giving conflicting information on credit card application statuses. Both are unacceptable. TD Bank requested additional information on my credit card application for their Cash+ card. I called in and they said that I needed to appear in-person in the branch with ID within 45 days and my card would be approved ( I would encourage you to listen to the call I believe it is on XX/XX/XXXX ). That was fine. I found it concerning when after that call I received a letter telling me that my application was fully declined due to an inability to verify my application ( even though I'm an existing customer ). When I called, I was again told that I needed to go into the branch but was told that my application STILL MAY NOT BE APPROVED, AS OPPOSED TO THE FIRST AGENT THAT TOLD ME IT WOULD BE APPROVED. At a time when we are social distancing for Coronavirus, if my application will be declined anyway, TD Bank should not be making me go into their bank. Further, they should not be giving me conflicting information. To make matters worse, the supervisor I spoke with on XX/XX/XXXX insinuated that I was lying about being told the card would be approved saying the other agent never told me that. This is defamatory and incorrect, I would again encourage you to listen to the last call. " America 's Most Convenient Bank '' seems to have long hours but no respect.
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts : XXXX XXXX XXXX {$1500.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} Also Experian keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.
Product: Credit card

Me and my lady was on vacation in XXXX. We on the beach and all our things got stolen. Its professional thiefs in XXXX that collect people information an us the the information starting identy theft. Our wallets, car keys, cash, purse, my pants and identification. They empty our accounts, opened credit, tried to open several accounts with companys sending us information asking us for more information. It was extremely horrible dealing through this tragedy... We havent trusted to travel or even give information on the phone. Feel comfortable to look at certain emails. It extremely effected our daily living today.
Product: Student loan

I am currently enrolled in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted my employment certification ( have worked at the same public state higher education institution as XXXX XXXX for over 5 years ) and been rejected several times. Each time, the reasons are the manner in which the form has been submitted by either me or my employer. Each time I have called and my employer have called and we have made the adjustments as instructed. Each time I have been rejected. The last payments that were certified were from XX/XX/XXXX. Since that time I have submitted Employment Certification and received letters rejecting my certification claims on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In that time my certified qualifying payments toward my PSLF has remained at 49 of 120 qualifying payments and 50 of 120 qualifying payments. The Fed Loan Servicing PSLF calculator lists 27 payments as " employment not certified '' when they should be added to my total qualifying payments since my employment is qualified for PSLF and we have made multiple attempts to qualify my employment ( see previous dates ). 

This is not the first time I have had to make a complaint against Fed Loan Servicing for this same issue. The last time my employment was certified it was the result of a similar complaint I have lodged with the CFPB. This is a recurring issue for Fed Loan Servicing. I demand my employment be certified as myself and my employer have been instructed using the tools and existing submissions of employment certification that we have made. The direct instruction and support given to us by the Fed Loan Servicing working on behalf of the Dept of Education is inadequate.
Product: Debt collection

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.
Product: Debt collection

This company has illegally obtained my personal information from XXXX without consent of the consumer in order to sell personal private information. They are harassing me to pay a debt that I do not have under contract this is violation of 15 USC 1692 XXXX  and XXXX. I have dispute this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Credit card

Capital one credit card showed up current on my credit report for 2 months. I never received a card. I think they sent it to the wrong address
Product: Mortgage

I was extremely shocked to see every complaint I have filed closed out all on the same day. I didnt know at the time, the scans I sent in with my complaints, were not able to actually see the documents. I have fixed the scans, you can actually see the evidence now. My whole complaint of Wells Fargo manipulation and the blatant fraud. As I have said in all of the complaints I have filed. Wells Fargo didnt know in XXXX  and they are still defrauding us. As Wells Fargo can see in the original loan modification form from Wells Fargo home mortgage, by XXXX, they were making up numbers. Still continue to deny the facts I have provided. This original document proves that Wells Fargo is still lying and manipulating our mortgage account. How are the payment so different than the photocopied loan modification they keep sending us. Yet proof that Wells Fargo is still breaking the law and defrauding us as consumers.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I found out there is a transaction from XXXX  that billed on my Paypal account, the amount is {$380.00}, this amount has been deducted from my Paypal balance, no credit card involved. I didn't recognize this transaction, so I open a dispute case with Paypal.

After few days, on XX/XX/XXXX, Paypal informed me that they think the transaction is not unauthorized, therefore they can't issue me refund.

I've contacted Paypal, they said there is no way to re-open it, I have no choice but to contact CFPB.
Product: Debt collection

XXXX XXXX XXXX. call me all time of the day and night took me to court.with outNOTICEfild me.sending threating mail.e.c.t i inform them this is not my some one are using my ss # i took step to lock my credit report.the last threating letter i got from them on XX/XX/2018 also they are adding money on every month.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding GM Financials Mishandling of Account ( Account No. XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against GM Financial for mishandling my auto loan account ( Account No. XXXX ) and for potential violations of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
Nature of the Complaint : 1. Delayed and Inconsistent Payment Extension Offerings : In XX/XX/year>, I was informed by a GM Financial representative that I had to pay my XX/XX/year> obligation to receive an extension for XXXX and XXXX. I called back later that same day and was initially denied the extension by a XXXX representative. However, when I called again and spoke with a XXXX woman representative, she approved the extension. This inconsistency raises serious concerns about potential XXXX discrimination in how my account was handled, which may constitute a violation of 15 U.S.C. 1691e under the ECOA.

2. Confusion Regarding Extension Terms : I verbally agreed that the extension would cover XXXX and XX/XX/year>, but the letter I received later stated that the extension applied to XXXX and XXXX. On XX/XX/year>, my XXXX payment was officially 30 days past due ; however, that was also the same day I fulfilled my XXXX obligation, meaning I was current at that time. I could have been offered an extension on that day to avoid any further late marks on my consumer report. Instead, I was not given full transparency regarding my options and was threatened with repossession unless my payment allocated for XXXX was made that day. This misleading information not only affected my understanding of my options but also caused unnecessary damage to my credit, as my XXXX and XXXX payments were ultimately reported as late. The lack of clarity in this process is concerning and may violate 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations in the collection of debts.

3. Inconsistent and Misapplied Payments : Additionally, my XX/XX/year> payment has not been properly reflected in my account, with " no data available '' showing for that month. GM Financial has not clarified whether the payment was applied to XXXX, XXXX, or XXXX, leading to further confusion about my accounts status. If GM Financial failed to accurately report my payment history or mishandled my account information, this could be a violation of 15 U.S.C. 1681o, which addresses civil liability for negligent noncompliance with the FCRA. 
Requested Action : I request that the CFPB investigate XXXX Financials mishandling of my payment extensions, the misallocation of payments, and the potential XXXX discrimination I experienced. I would like GM Financial to correct any inaccurate reporting to the credit bureaus and ensure that no further late payments are reported due to the delayed extension offer. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These Accounts : 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 XXXX These are all FRAUDULENT ACCOUNTS due to the Data Breach and Dark Web where my information was exposed. 
According to Section 605B of the Fair Credit Reporting Act. It gives the consumer the right to request that the Credit reporting agencies ( CRA ) to block the reporting of information that was a result of identity theft. And all These Accounts should be blocked from my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Debt collection

Opened the card in XXXX, went to collections, paid the full XXXX $ due- XXXX XXXX knew it was paid and the debt collection agency Jefferson Capital , put two collections on my credit, that were over with. I disputed both one for {$590.00} and one for {$660.00} in XXXX, it came back and they deleted it from my credit report. But it still remains on there, and a few weeks ago the one for {$590.00}, itll be falling off in XXXX anyways because it will be 7 years. But they inaccurately put it on my credit and said I t was opened 4 months ago and was seriously delinquent, but never did i receive a notice or phone call saying I had a debt. But it was paid back years ago, and so was the other one. {$590.00} collection by the same Jefferson capital, was opened in XX/XX/XXXX. And they have it saying it doesnt fall off until XXXX. I have disputed this and it was 100 % inaccurate. As soon as I started to find a mortgage loan they come back to my life and say I owe this. And it should be illegal to dropping my credit score and making it look like I have derogatory marks with them on my credit report. They ruined my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX