23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an account with Juno, which is a banking app. XXXX  uses Evolve Bank and Trust. Evolve Bank and Trust has frozen all of its accounts because of an issue with Synapse, a brokerage that is going bankrupt. For XXXX weeks my account has been frozen. I need to get this money off of this account.
Product: Prepaid card

We were gifted an Amex prepaid gift card with {$400.00} on it from my father in law. We can not use the card anywhere. My husband and I have tried almost every well known online platform ( XXXX, XXXX XXXX, XXXX app, XXXX, etc. ) and it will not work anywhere. There is no address or zip associated with the card. I tried everything. Weve also now tried to use in stores several times. 

I called the number on the card on XX/XX/year> and asked if they can add a billing address for the card, or how/where to use it. They basically only responded with keep trying at different stores. 

Im incredibly frustrated with this process and it feels like a scam. We are able to see the {$400.00} balance on the card but can not use it.
Product: Debt collection

I contacted the debt company to explain to the agency that the last time I spoke with XXXX XXXX, I asked them to resend my bill to my new secondary insurance. The associate stated to me that I never requested that. That is not true, I did request to have the bill sent over to my new secondary insurance over the phone, and I also requested it at my last office visit when they told me I had a balance.. It never was sent to my secondary insurance, instead it was sent to collections, and I found out about it through a credit report alert. And now because my secondary insurance did not receive it on time, I am battling with them to review a claim to pay the amount in full. When I asked the lady at the collections department to send it over to my secondary insurance, she told me it was already sent, and that is the amount I have to pay ... Which was a lie! It was never sent. I want this collection removed from my credit report. I will deal with the secondary insurance claim on my own and whatever is left over after my secondary insurance reviews it, I will pay in full at that time. A medical company can not deny sending something to a secondary insurance, and I do not appreciate being lied about the bill being sent to my secondary insurance in an effort to collect money upfront.
Product: Mortgage

XXXX is the previous complaint. There has been no resolution to me trying to leave forbearance making monthly payments and still having bills that say nothing is due and not showing any payment. Also, they are trying to increase my payment amount, even as interest levels are falling way below what I am financed at with no offer or possibility offered when I ask for help. Last time I called I was told that I wasn't even supposed to be making payments, which like always was a different story, so I stopped and I am looking at the bills right now that say XXXX due and that my loan is in forbearance. However, now I am getting late notices with fees attached. How can I possibly be charged a late fee when I am still showing that I am in forbearance with no XXXX due and the company is unable to update my account even though I have given them more than {$8000.00} in the last few months. This has been the most stressful experience of my life and Citizens One has been entirely unhelpful. There is no standardization of responses and every time I call I get a different response, so certainly some of the responses I have been given are false if not illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, CXXXX XXXX # XXXX, and 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 account without my written instructions
Product: Checking or savings account

I sent the following email to US Bank, wherein they called me and agreed to forgive one of the fees which is unacceptable but then told me they could not forgive even one because their system would not allow them to which is a common excuse they utilize. 

Below is the letter I sent : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 U.S. Bank XXXX XXXX XXXX XXXX XXXX MN XXXX US Bank XXXX XXXX Acct XXXX : ************ I am writing to request that you refund all of the overdraft charges applied, during the past month from the date of this letter, to the account I hold with you. I do not believe that these charges reflect the actual cost to US Bank of my unauthorised overdraft and consequently believe them to be unlawful. 

Therefore, I am requesting that you refund me {$72.00}, an amount which represents the total charges applied to my account during this time. 

For your reference I have attached full details of these charges. 

XXXX XXXX I would ask that you deal with my request immediately rather than waiting for me to escalate the case traditionally as I currently am experiencing financial difficulty as a result of loss of employment. 

I look forward to receiving a response from you within the next 14 days. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX -INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXXXXXX XXXX XXXX As XXXXequired by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/XXXX I contacted procollect to figire out how much I owed they said I owed {$290.00} bit would settle for {$200.00} if I paid within 24 hours which I agreed and drove to thier business location and made my payment I was told that on the XX/XX/XXXX they would report I had paid in full which they failed to do they they reported I only paid {$200.00} and owed {$95.00} I called them Friday XX/XX/XXXX and immediately asked me to make a payment of {$95.00} which they claim I owed I explained to Mr XXXX what had happend she asked for my email to send me some paperwork stating I don't owe anything which I never received I have proof and receipts to show we settled and that it would be removed from my credit I'm in total shock and disbelief that a business can do this to people who are trying to take care of there owed payments and credit for a company like this to XXXX up my credit just because.
Product: Payday loan, title loan, or personal loan

I paid this off via wire transfer on XXXX and sent the XXXX fed reference number which validates the funds wired. I contacted the company on XXXX and on XXXX requesting the paid in full letter but they refused to give me one stating that they have to wait until a bond XXXX XXXX, XXXX, XXXX XXXX ( DTA ) advises them that the funds were received and they said that can take up to two weeks? That is not legal and is absurd as I sent the payoff funds via wire transfer and the funds were received so the loan has been paid in full and the con not hold me XXXX by not complying with my request. The debt has been paid and I must have the paid in full letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record I have advised Experian on multiple occasions that the reporting of a dispute account was inaccurate. I contacted the creditor directly through certified mail requesting Debt validation with a letter dated XX/XX/XXXX. However, the creditor failed to provide me debt validation. I then attempted to dispute this account through Experian 's Online Dispute center. On XX/XX/XXXX Experian updated their reporting to include late payments on a charge-off. The disputed account was supposedly charged off in XXXX however the results of Experian investigation resulted in them reporting the account as a charge off with late payments as of XX/XX/XXXX. I made my second attempt to have Experian correct their reporting or removal of this account through certified mail with the dated XX/XX/XXXX. This letter also included a copy of the letter I sent to the creditor. Experian later came back with dispute results that still reported the account as a charge-off that was past due as of XX/XX/XXXX. Experian made no attempt to investigate their reporting of this account. I followed up with Experian through certified mail with letter dated XX/XX/XXXX. I included copies of all my attempts with this letter. I also included XXXX findings of this account. On XX/XX/XXXX Experian claims to have investigated and updated the results of their reporting. Instead of doing the right thing and removing this erroneous reporting. Experian buckled down with more erroneous reporting. Experian is now reporting this account as a charge-off with late payments as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute. These failures align with experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the dispute accounts, as XXXX inactions violates federal law and my right as a consumer.
Product: Student loan

I requested a refund for student loans that i completely paid off from Edfinancial Services on XX/XX/XXXX for the amount of {$16000.00} which I paid on XX/XX/XXXX. When I called to ask for a refund, they stated that it would take 6-8 months for them to reinstate the loan. Why is it taking them this long to reinstate, and possibly affect my loan forgiveness, especially when other major student loan providers have a 72 hour reinstatement timeline? Thank you for your help.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify thatiter of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately
Product: Credit reporting or other personal consumer reports

Equifax continues to report my student loan information after several attempts at getting them to do things correctly. Equifax is in violation of The Family Educational Rights and Privacy Act ( FERPA ) This is a federal law enacted in 1974 that protects the privacy of student education records. Transaction history being reported on my consumer report is a violation of this act. FERPA applies to any public or private elementary, secondary, or post-secondary school. Transaction history being reported on my consumer report is also a violation of the privacy act of 1974 Additionally there are several erroneous entries on every account listed as XXXX  XXXX XXXX, a total of 10 accounts, is showing payments as current, but the last payment received was on XXXX XXXX on accounts closed on XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

JPMCB Credit card card has been paid and closed, but they reported on credit history in derogatory and late payments, that should not be in my credit report, please update paid as agreed or positive that account.
Product: Credit reporting or other personal consumer reports

Filed a complaint on XX/XX/XXXX with CFPB against XXXX credit complaint # XXXX for negatively reporting on Experian. 

On XX/XX/XXXX XXXX responded to my CFPB complaint and agreed to contact XXXX, Experian and update the account status from " Paid in settlement '' to " Paid in Full ''. 

Account was not updated. 

On XX/XX/XXXX, I contacted XXXX and verified this account is reflected as paid in full. I received a letter verifying the account is closed. The letter does not state " paid in settlement ''. 

To date, Experian still negatively reports the XXXX account as " paid in settlement '' and as " verified '' Experian refuses to accurately report the status to reflect " Paid in Full '' per XXXX 's directive as stated in the second to last paragraph in XXXX 's CFPB response to my complaint. 

Experian has willfully and deliberately damaged my credit rating by continuing to report this account as a " verified '' negative item for XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Fidelity Properties , Inc. that included four medical bills for my daughter. Three of the charges were from after she turned XXXX, which I am not liable. The additional charge, from when she was a minor, would have been covered under insurance. I had previously spoken to the collection agency regarding these issues, possibly last year. I received an additional letter today and called them again. I spoke to XXXX XXXX, who stated that the information was already in the file from my previous phone call. However, they continue to pursue me for debt that I am not liable for and debt that should be returned to the original creditor for proper billing.
Product: Mortgage

We have tried to work with Wells Fargo Home Loans on an adjustable rate mortgage. 
We had worked with Wells Fargo for over 4 years. Our File was missing from their records for almost a year where no one knew where it was. They have sent us summons and complaints we have submitted answers. 
These are some of the dates we have submitted requested documents : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
After the XX/XX/XXXX submission no one would speak to us because no one knew what happened to our file. When we did get someone they had to speak to someone else. We never received a return our calls. 
No communication about our mortgage until : XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, sent more documents because the others had expired!! 
We waited for a decisions ... ..then it was in underwriting ... ... the underwriter that was assigned was no longer with the company then ... ... ... ... ... ... ... nothing happened in XX/XX/XXXX no response then XX/XX/XXXX a new package was requested We had to wait for underwriting again ... ... ..Nothing XX/XX/XXXX Then XX/XX/XXXX another new package requested. ... .this was by the XXXX person assigned to our account. 
As of XX/XX/XXXX they were still starting over with complete new packages, we had XXXX customer relationship managers. 
XX/XX/XXXX Our loan was transferred to XXXX. We had no idea that e were no longer with Wells Fargo because the person assigned to the account has a complete package and it appeared that we were going to finish. Now with XXXX all of what Wells Fargo said they did not need XXXX is asking for. This has been a long, long journey for us we have been given the run around too many times. We need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFOB WRITE-UP In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Product: Credit reporting or other personal consumer reports

Maximus Education , LLC dba Aidvantage has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return. 


The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) An applicable financial entity has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return