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

Today, XX/XX/XXXX, I noted an abnormal charge ( from Experian ) on my bank account for {$21.00}. I called the number associated with the transaction and was advised that on XX/XX/XXXX, I signed up for a 7-day trial credit-monitoring service for {$1.00} which would turn into a recurring {$21.00} monthly charge if I failed to cancel the service before the end of the 7-day trial period. 

I honestly don't remember signing up for this service ; I do, however, remember paying {$1.00} to view my credit score when I requested my credit reports from all three credit agencies ( via XXXX ) at the beginning of the year. Is Experian not required to give me more information surrounding my alleged subscription for this service and the terms I allegedly agreed to? 

I have been charged for this credit-monitoring service for the last five months. During the last five months, I have received zero monthly statements for this bill and zero receipts of payment from Experian. The service representative I spoke to claimed that I should have been aware of these charges because they were showing up in my bank statements. 

Are businesses allowed to pull money, on a recurring basis, from a bank account without notifying the owner of the account? That people are assumed to review their bank account statements is no justification for the business ' failure to provide monthly statements or receipts. XXXX and XXXX are just two of the companies that take recurring payments from my bank account and still have the courtesy of providing me with monthly statements and/or receipts. Is that what notice of a monthly recurring fee is - a courtesy and not one required by any consumer protection statute or regulation?
Product: Checking or savings account

Hello, On XX/XX/2023 I was contacted on my cell phone by an individual who stated they were a representative of Chase bank, of whom I am a customer. This person already had my key account information at hand, leading me to think they were trustworthy and the call was authentic. 

The caller stated that I needed to confirm information for a new rewards credit card I had opened. I opened no such card and said so. The caller said the card had a {$500.00} annual fee and I should log in to online banking to check if my new account appeared there. From then things got very confusing with the caller throwing a bunch of information at me. I was later directed to a screen from my pc showing my account information and a deposit of {$20000.00} in my account, which the caller said was in error. The caller then became hysterical and began to insist they would lose their job over this firable error and not be able to provide for their family. He asked me to wire to {$19000.00} back to him. I did this and then shortly later realized something was not right about this whole scenario. 

I went to my local bank branch that afternoon, on XX/XX/XXXX, and asked for assistance. The transfer still showed 'pending ' at this time in my online banking portal. I asked for assistance from Chase to cancel the transfer as I now believed it was a scam. They told me they could not do that and it was 'unlikely ' they could recover my money. 

In the month since my XXXX and I have contacted Chase by phone and email on dozens of occasions trying to get answers about this situation and request assistance recovering the funds. Chase has given me the run around at every turn and on XX/XX/XXXX sent me a denial letter stating that the matter was closed, only XXXX  days later!! I then filed a complaint with the Attorney General of XXXX 

After that, I called XXXX again after reviewing the CFPB FAQ/bill of rights and pointed out to them that I notified them timely of the issue, and therefore they shared liability based on XXXX XXXX of the CFPB regulations. They did not respond other than to share that they disagreed and were not liable. I have called and contacted many others, to no avail. 

I have ample documentation supporting my communication efforts, and have also recently contacted a consumer affairs reporter with the XXXXXXXX XXXX XXXXXXXX regarding this issue. 

I am a XXXX XXXX XXXX on a XXXX XXXX and the loss of {$19000.00} to fraud/elder abuse scam will have an irrevocably negative impact on my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for equifax and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX  is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.
Product: Credit reporting

Several times Equifax has changed my current address to the address I lived from XXXX, and listing where I lived XXXX as prior. I have called them many many times in the last 3 months. I have disputed the address with all three credit bureaus. I have added statements saying what my legal address is. This is the Equifax policy : if a creditor sends a different address, it is updated. As they suggested, I called every creditor on my credit report. They all have had my correct current address on file. 
I should be the only XXXX to change my address at a credit bureau. 
I feel that this should be illegal as it causes another identity theft problem. Several letters were sent to my previous address ( where I lived XXXX XXXX XXXX saying that it was my current address, and listing my address from XXXX as previous. My mail is still being forwarded. Once it is not, XXXX major security questions ' answers will be revealed to anyone receiving that mail. I received XXXX such letter again today. 
I called my attorneys general office and was told that they could do nothing because that is a company policy. 
I have difficulty lifting my credit freezes and getting my free credit reports, because the information I give is " not accurate ' -- due to different addresses ( I even had to pay for my XXXX report through their site ). 
This policy is unacceptable -- yet even the highest supervisors will do nothing except change my address when I call. and they suggest I call monthly. 
Someone needs to investigate and change this law.
Product: Mortgage

Shellpoint Mortgage is the company. A very small portion of my mortgage payment was late XX/XX/2021 because the amount I had to pay went up slightly and I missed any warning this was going to occur. I paid the amount I missed the following month as well as a {$110.00} late fee and they still reported me to the credit bureau and damaged my credit. Even though Im sure they sent an email, I get a lot of similar emails and I simply missed it. Since then, I overpay by at least XXXX XXXXXXXX because Im still missing these communications. It seems very harsh to have to still deal with this knock on my credit after I did everything I knew to do to rectify the situation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.
Product: Mortgage

On XXXX XX/XX/2024 Rushmore informed me that my loan would transfer on XXXX XX/XX/2024, yet today I received notice that Rushmore will charge my bank account as usual on XXXX XX/XX/2024. Meanwhile, my new servicer, XXXX XXXX XXXX in XXXX XXXX XXXX, is demanding payment in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the banks and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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: Vehicle loan or lease

I bought my XXXX XXXX XXXX on XX/XX/XXXX of XXXX from XXXX  XXXX XXXX XXXX. My car loan is through American Credit Acceptance. On XXXX of XXXX they decided to Charge-off my car due to Natural Disaster affected by COVID-19. Even though I have been in paying my car loan the entire time and I had the transaction payment sheet as proof.They also never reported my car to the credit bureaus during the entire time I've had my vehicle. So, in XXXX of XXXX, I had an open case with the State Attorney General Office in Ohio. ACA refused to reverse the charge off from XXXX and refused to update my Credit report. But, they did agree to take the XXXX off my credit tradeline. So, now as of XXXX of XXXX they said they were going to repo my car for missed payments, even though the car has been paid off by pandemic relief money and I've been making payments. So, I sent in a {$2000.00} payment on the XXXX of XXXX, a {$730.00} payment on the XXXX of XXXX and the XXXX of XXXX, and a {$1000.00} payment on the XXXX of XXXX. ACA is now saying they can't find the {$2000.00} from XX/XX/XXXX and {$730.00} from XX/XX/XXXX even after sending in my bank statements for these 2 months. They refuse to fix the issue they have caused and the refuse to actually do their jobs. I have had issues with this company taking money from me for 2 years, not reporting it to the credit bureaus, and now not even showing the car as an active account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$84000.00}
Product: Debt collection

hello I received a letter from Credit Collection Services requesting a payment of {$XXXX} from XXXX XXXX XXXX XXXX. I cancelled on XX/XX/year> this insurance ( XXXX  ) and the same day I acquired a new insurance with XXXX XXXX. I sent proof of this on XXXXXXXX XXXX XXXX XXXX XXXX and I called them every week requesting status of this and all the time is the same answer, that the proof that I sent is invalid. 
The first time I called, an agent informed me that when you cancel car insurance, by law they must provide me with XXXX more month of insurance, that is why the charge of {$XXXX} and explained to me that if I obtained a new insurance they They would eliminate this charge. which I have been sending correspondence online for a month on the ccs website and they only tell me the same thing, that my proof provided is invalid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company called Love, Beal & Nixon has been relentlessly harassing me, leaving over 2-minute-long voicemails multiple times a dayskip tracing for someone who does not use this number. I told them clearly : this is the wrong number, and they need to stop. But they were rude, flippant, and accusatory, refusing to listen. Their harassment continued until they finally claimed theyd remove the number, but not before issuing a chilling threatthey said theyd " find the person '' they were looking for, and then they were " coming for me. '' I have no business with these people, and this was a direct, terrifying threat. When I called back to demand no further contact and warned them Id involve law enforcement, they had the audacity to laugh in my face and hang up. This isnt just harassment ; its intimidation, and Im afraid for my safety..
Product: Credit card

On previous filed now closed complaint number XXXX ; will have all he information however I am filing new complaint because no one helped or reached out to me about contact them again which I did and no help now they renewed the card without consent in XXXX sending bills illegally in my moms name with my ssn number and dob I refuse to pay these nills of interest because they never fixed their errors never cancelled card nd this will affect my credit and my mother is very upset about her name on card which was cut up in XXXX paid off and never used again I feel the need to take legal action since no one helped and no con contacted and this is not my fault or error so why am I suffering and still no one can help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in a personal credit card at XXXX XXXX  on XX/XX/XXXX, under account number XXXX, a auto loan at XXXX XXXX on XX/XX/XXXX, under account number XXXX, a collection account with XXXX, XXXX and XXXX on XX/XX/XXXX, under Account number XXXX, a credit card with XXXX XXXX XXXX  on XXXX XXXX XXXX under account number XXXX a loan with XXXX XXXX XXXX  on XX/XX/XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

In XX/XX/XXXX and got a promotion letter from the Citibank on opening the account. 
On XX/XX/XXXX I visited the Citi branch XXXX XXXXXXXX XXXX XXXX, CA XXXX, presented the Offer and asked to open the account base on it and deposited the requested amount to get the bonus {$500.00}. 
The bonus was not paid on time listed in the promotion and I called the bank in XXXX. The banker told that bonus will be paid in XX/XX/XXXX, but no pay in XXXX again. Called to the Citi but still no bonus. 
Complaint via CFPB on XX/XX/XXXX. Citi miss-up with offer type, dates, amount in it first response but after a second complaint to the CFPB it paid the slice of the bonus listed in the it Offer and closed the case. 

In the letter from Citi in addition to the invalid date XX/XX/XXXX XXXX on the Offer they claimed that I accepted {$400.00} bonus instead or {$500.00}. This is not TRUE. Just read Citi response on the inquiry on XX/XX/XXXX from XX/XX/XXXX. There is that I not eligible for bonus at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. -- -- -- -- -- -- -- -- -- -- -- - TransUnion will not delete nor remove this item from my credit report even when I provided proof under FCRA. -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item. 

This is damaging my credit rating.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Loan # XXXX Lakeview Loan Servicing XX/XX/XXXX I submitted a request to have my Escrow property tax payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. The adjustment would affect my property taxes by approximately $ 400- {$500.00} per year. If the servicer has a concern about the documents I presented, they can check the Property Appraiser 's Website. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I would also like to know if I can receive interest on my money that is being held in their escrow accounts. I do not wish to speculate but this might be the reason why they are trying to force me to put more money into my escrow account than is necessary.
Product: Student loan

I'm currently pursuing PSLF through FedLoan Servicing, and they have completely erased my entire history of PSLF payments. 

In XXXX of 2021 I was at roughly 82 qualifying payments towards PSLF ( pre-waiver rules ), but should be near or at forgiveness when the Limited Waiver is applied. However, as of XX/XX/2021 FedLoan has erased my entire PSLF history and it is now set to 0 with no explanation, especially in the context on the new Limited Waiver. 

I originally filed a complaint through the FSA with the Ombudsman, who helped get my pre-limited waiver PSLF payment counts to that 82. When my PSLF payment count dropped to 0 in XXXX I filed a new complaint with the Ombudsman, but they have put my request in " pending '' status and say that the error is " stuck '' with FedLoan. I have not been able to get any help from FedLoan or the Ombudsman in moving my complaint case forward. 

I am asking for my payment counts to be restored and for the limited waiver to be applied to update my now eligible past payments as I am either near forgiveness or should already have my loans forgiven under the PSLF Limited Waiver.
Product: Student loan

I 'm still in school, getting ready to do my internship. I have tried my best to find a job but their is no jobs out here.My father was on his job for 19 yrs and the company downsize his department and he was let go.So he 's not working and ca n't find work just imagine my dad at age XXXX years old he has lost his house and everything he owns.He was going to help with loan.Soon as I finish school I will start making payments. I told Navient that I even ask can I get deferment or an forbearance but they told me no. I 'm getting harassing phone calls on a daily basis from morning until XXXX XXXX to XXXX times all evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00}