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

Please be informed that I have received your computer-generated letter stating that you have stopped investigating my credit reports because you conclude that I have used a credit repair agency from a third party in your opinion. Not only do I think this on your part is a delaying tactic to give you an additional 30 days to comply with my original request, but I think it is a direct breach of the FCRA. 

On XXXX and XXXX by certified mail ( copy enclosed ), you were told by me that I am seeking to have these misleading errors on my account investigated and deleted. 

Furthermore, there is NO rule specifying that a customer should not use a third party, so it is pointless to use it as an excuse. In fact, the United States Congress has found the whole process so daunting that if the customer so chooses, they give customers the right to use a third party on their behalf. This is why it's so shameful in your comment. 

I reserve the right to sue a credit bureau for infringement of the Equal Credit Reporting Act and I think I can show that you have not used reasonable credit reports. 

Any response to this with anything less then the original application baring my signature is a violation for the FCRA!
Product: Credit card

Today, Saturday, XX/XX/2023, I tried to use my Affirm.com online credit card and the entire company was shut down! 
Their Android APP, WEBSITE and PHONES were all unreachable for over 10 hours that I tried to use and contact their company. Finally at XXXX XXXX  I called them and their recording didn't say they were having system problems anymore, which was the response all day that they were having systemproblems. It was a 38 minute wait so I opted for the call back. They called me back. I told them that my available credit, was {$4000.00} last week, however today it is zeroed out {$0.00} after their entire organization in person and online went down! And was inaccessible. 
I asked to speak to a supervisor and was informed that no one was available. This call center is NOT in the United States! 
This company has billions in $ $ with millions of people 's credit card accounts online IN THEIR OBVIOUSLY NOW HACKED SYSTEMS ONLINE! 
PLEASE find out why their entire company was not reachable for over 10 hours today
Product: Credit reporting or other personal consumer reports

Ive had several late payments that were reported. After my car was broken into on XX/XX/2023. I have a XXXX and unfortunately I was affected by the series of break ins performed by the XXXX XXXX. This incident also made me eligible for the XXXX theft lawsuit My car loan company offered to reduce my interest rate and to more some late payments form my credit report. The interest dropped a little less than a year later but the late payment never came off. 

Also my collection with XXXX XXXX XXXX was removed last summer in XXXX from all of the credit bureaus and it has been put back. Im confused as to why.
Product: Debt collection

I don't recall having a contractual relationship with this collection company ATG CREDIT LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Prepaid card

I purchased a total of XXXX gift cards with a value of {$490.00} on each card + {$4.00} fee each at XXXX XXXX. The XXXX cards were split between XXXX transactions of XXXX cards each, including fees each transaction was {$2900.00} XXXX XXXX * XXXX + XXXX ). My XXXX transaction of XXXX cards, all XXXX cards showed as not activated. XXXX did a refund of the XXXX cards ( - {$2900.00} ) that did not activate and did a repurchase of XXXX cards for {$2900.00} on a XXXX transaction since the XXXX transaction all cards showed as not activated. Technically XXXX cards at {$490.00} each were purchased ( though charged for XXXX see receipts ) with XXXX being returned, leaving XXXX cards that I should have active with funds on them. I 've sent my receipts from XXXX XXXX, including the electronic sales journal that XXXX ( the store manager ) of XXXX XXXX provided to support what happened. InComm says XXXX cards were used at the United States Post Office, which I did. XXXX cards {$2900.00} ( $ XXXX + $ XXXX ) are unaccounted for per the receipts I 'm providing that shows I was charged for XXXX cards at {$2900.00} x XXXX = {$8900.00}. Per the receipts, where is the missing XXXX cards/funds? I would like my funds for the missing XXXX cards ( not activated ) refunded to me in the amount of {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT BEING DIPSUTED DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS TARNISH MY NAME AND CREDIT FILE. I HAVE NO KNOWLEGDE OF THE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT FILE. PLEASE LOOK INTO THIS MATTER AND DELETE THE ACCOUNT.
Product: Mortgage

We had a mortgage with Suntrust Mortgage that was sold to a garbage company called XXXX.We are not late on any payments. We had 1.5 years left to pay on it. 1.5 not 15 but 1.5. Now we know that we are going to have a nightmare on our hands because  something is terrible wrong with XXXX. 

How can we fight this? How can Suntrust do this to us? I told Suntrust that the best thing I can do is go to the local news channels and alert other people that this is what Suntrust is doing. I really dont believe it is real, and I have been hacked.
Product: Student loan

Submitted the completed form on XX/XX/year>. Received denial letter on XX/XX/year> with the statement : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I called them to discuss the reason on XX/XX/year> and was told that they will not be releasing the reason why. I also informed their Customer Rep that I was recording the call and she said that they will not discuss further if the call was being recorded. 

I am part of the XXXX XXXX class action that discharged my federal student loan. So the private loan that XXXX XXXX w/ collaboration with XXXX should also be discharged. I wasn't aware of these loans nor was I told about them being taken while attending school. The interest rate is 15 % & amount owed as doubled. I would have gotten the money elsewhere. I have not received any career assistance nor benefited from obtaining my degree from XXXX XXXX. My job experience has been focused in A/E/C. No other industries have acknowledged my resume w/ credentials.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Here are the following accounts which has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item 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 has reasonable cause to believe that the information is inaccurate.
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 Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my ChexSystems for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't recognize this company.
Product: Debt collection

I have been a victim of Identity theft since XXXX when I noticed items on my credit report that did not belong to me. I started to receive billing statements and late notices from XXXX XXXX in XXXX, I NEVER took out services or ordered service from XXXX, it was part of identity theft. I called XXXX, sent them FTC reports, police reports and the item was deleted from my credit report. Recently the debt was sold to XXXX XXXX XXXX, a collection company who has contacted me by email, mail, phone calls and has reported this debt that does not belong to me to all 3 credit bureaus. I previously contacted XXXX XXXX in XXXX of XXXX, sent them proof the debt did not belong to me. They removed the collection from my credit report. XXXX I notice they have placed the collection back onto all 3 credit bureaus and have sent me another collection notice.
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 Protection 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. these failures align with my experience, where Experian 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

My domestic partner had a cash app specifically for doing taxes. She has no access to the old email linked to her cash app account. She had tried multiple times doing the steps on the app to retrieve the old account but was unsuccessful. We had called and taken all steps provided to access this account and were unsuccessful after calling twice as told by the representative. He said to create a new account and asked for all her information including her personal banking information. Then said to hang up and call back then she would be able to access the old account by the next representative that answers, we were confused by this but did what he said. The XXXX XXXX was no help as well. He was also confused about why we had to make a new account and said he couldnt help, all he could do was give us steps to retrieve the old account. Which was also a failure. We are so confused how a company can have all control of accounts but at the same time have no control of these accounts. At this point were done with cash app with much disappointment.
Product: Mortgage

My Mortgage servicing company is Mr Cooper of XXXX Texas. And for the last 5 years, I have been paying them via a direct payment online on a timely basis. All of a sadden, Mr Cooper claims they've not received the last two payments for the month of XX/XX/XXXX and XX/XX/XXXX and started harassing me. I contacted my bank and produced a receipt of the transaction and emailed a copy to the Mr Copper more than once. My mortgage still shows delinquent. I contacted Mr Cooper several times and the issue has not yet resolved. I am concerned that they are really not trying to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed copy of my credit report and I show that inquires listed on my report are inaccurate, or may be fraud.
Product: Money transfer, virtual currency, or money service

i sent {$1000.00} to XXXX XXXX XXXXXX/XX/year> but they can not get it
Product: Vehicle loan or lease

On thursday the XXXX of XXXX ally repossessed my vehicle with out any notice they refused to give me information to retrieve my personal belongings from said vehicle or even tell me where its located i have called to request said info multiple times with no success some of the items include a carseat XXXX XXXX tablet check book and other items
Product: Credit card or prepaid card

I JUST FOUND OUT ON XX/XX/22 THAT MY CAPITAL ONE BANK ACCESS CARD THAT I OPENED AND SECURED WITH MY SOCIAL SECURITY CREDIT CARD WAS CLOSED WITHOUT MY KNOWLEDGE. I GAVE CONSIDERATION TO CAPITAL ONE BANK AND IN RETURN DID NOT RECEIVE ANY CONSIDERATION TO MAKE THIS A MUTUAL BINDING CONTRACT. AS THE CARDHOLDER AND BENEFICIARY THE CONSUMER SHOULD BENEFIT FROM THE CONSUMER CREDIT TRANSACTION BETWEEN CAPITAL ONE BANK AND CONSUMER AND THE RIGHT GRANTED TO THE ENTITLEMENT OF FUNDS. THE CONSUMER DID NOT BENEFIT FROM THIS RELATIONSHIP. CAPITAL ONE BANK PLACED ALL LIABILITIES ON THE CONSUMER/BENEFICIARY AND BROKE ITS FIDUCIARY OBLIGATIONS TO THE CONSUMER BY UNDUE INFLUENCE AND WILLFUL NONCOMPLIANCE TO THE LAWS AND NEEDS OF THE CONSUMERS. TRUST BETWEEN CORPORATION AND CONSUMER WAS BROKEN WHEN ITS EVIDENCE ON FACE THAT THE CONSUMER CARDHOLDER HAS RIGHTS AND INTERESTS AND SHOULD BENEFIT FROM HIS PRINCIPLE
Product: Debt collection

On XX/XX/2018 I received a notification from XXXX  and XXXX that MRS BPO LLC ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) has flagged my account as a Collections account for the amount of {$230.00}. Prior to this they did not contact in any way, shape, form or fashion to give me a chance to dispute this account. I have no idea of what this account is for. This has caused me credit score to drop drastically.
Product: Mortgage

I am trying to explore my options post forbearance with Loancare & every representative I speak to gives me contrary advice to the other representative. I have had issues with them for months now. Each time I had asked for more time, one grants me an extension on the forbearance and the other denies the expiration date. More recently I had a call with a representative by the name of XXXX ( call recorded ). He advised I had until XXXX/XXXX/2021 until my forbearance expired. I then get correspondence in the mail that contradicts that and states my expiration was XXXX/XXXX/2021. XXXX advised I was to call before expiration to explore my options post for XXXX. He advised that I could either defer my loan or modify the loan. When I called earlier this week I spoke to an individual by the name of XXXX Who advised that the deferment option was no longer available because of the amount of the loan. I asked her about the expiration date and she advised that my forbearance expired XX/XX/XXXX. I told her what XXXX  have advised me. She apologized and said that he gave me wrong information and that because of that I lost the option to defer. She advised that the only option I had was to modify. I told her that is not fair because of his misinformation, I was deprived of the deferment option. She said she would send it to another representative to escalate and take a look at the file. She advised that the representative would contact me sometime this week. I havent heard from anyone and currently on the phone again with a representative. The first one got my information while I waited on hold and hung up on me. I called again and immediately asked for a loss mitigation specialist. I am now on hold waiting for someone to take the call. However I have lost faith in any communication this company gives me and it is my livelihood on the line. I do not want to rely on any information they give me because I dont know if its going to be accurate or not. Because of them, I may go into default despite the fact that I have been diligent in monitoring every communication and every expiration date. I need you all to intervene so that I can get a resolution to my situation. The reason I want to defer is because I want to preserve my option to apply for a mortgage assistance grant through my state. The plan in California states that if you get a modification from the lender, you will no longer be eligible for the grant. That is why I dont want to do a modification at this time. I explained all of this to the representatives at Loancare.
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX and notified them on XXXX that I wanted to pay the loan in full on XXXX. On that day they took out the amount of {$3700.00} which was the pay off of the loan but they also took from my bank account a regular bi-weekly payment of {$230.00} which was an overpayment. They 've admitted the mistake but wo n't refund the money back to me unless I provide them with my most recent 30 day bank statement. My last bank statment was dated XXXX so this would not show up on it. I sent them a transaction list from my account that clearly shows both payments and has the last XXXX digits of my bank account showing on it. They claim this is n't proof of the additional payment even though it clearly shows it is. They should be able to see on their end as well as when I pull up my account is also shows the additional payment. They know they took the payment. I should n't have to wait to get money back that they took that was n't owed to them.
Product: Student loan

I have made many attempts to work out arrangements with Navient over an extended period of time. There is always an excuse. I have seen several consolidations that they did within Navient that I did not request? I have a Defense to repayment request in because I am an ex-XXXX student. My other loan servicer has put my loans in forbearance pending the outcome of my request, but Navient has not. Those loans have just been sent to collections. I have no idea what the current situation is with Navient is either. I cant find most of loans and balances are way off so I do not know if they have been sold to collections or what has happened. I have called many times to ask why and I get a different story from every representative that I speak with. I know my defense to repayment request is being processed because I have gotten several Emails stating this. I have spoken to representatives at the Department of Education and was even walked through a consolidation request over the phone to try to consolidate out of Navient, but Navient loans always excluded. Something is extremely wrong if there is no recourse. Nothing happens to them for their deception and treatment, but there are severe consequences for me if I do not abide by what they say.
Product: Checking or savings account

On XX/XX/XXXX XXXX said she received my check, check # XXXX, for {$1000.00} that was dated for XX/XX/XXXX. Note the year of the check ( XXXX ). She mentioned that she tried to deposit the check to her bank and the bank would not allow her to deposit it. 

On XX/XX/XXXX, I asked her to send me back the original check, check # XXXX, and I sent her a replacement check, check # XXXX, for the same amount, {$1000.00}. She never sent me check # XXXX. I had already sent check # XXXX. 

About a month later on XX/XX/XXXX, XXXX deposited the original check, check # XXXX, dated XX/XX/XXXX to Wells Fargo Bank. It cleared. 

On XX/XX/XXXX as soon as I saw this transaction, I immediately called Wells Fargo Bank to do a stop payment on check # XXXX, the replacement check, and Wells Fargo Bank charged me a stop payment fee. 

About 10 months passed and on the morning of XX/XX/XXXX, I saw I had a negative balance on my checking account. XXXX had deposited check # XXXX, the same check I asked Wells Fargo bank to place a stop payment on, on XX/XX/XXXX. Wells Fargo did not place a stop payment on check # XXXX. XXXX lied about the original check # XXXX not being honored by the bank instead she deposited it on XX/XX/XXXX. She is now also in fraudulent possession of check # XXXX. She refused to return the replacement check back to me ( which should have already been stopped by Wells Fargo ) and deposited it 10 months later. And here I am on XX/XX/XXXX with a negative balance in my checking account. At this point, I saw the check is still in progress of being cleared by the bank so I call Wells Fargo Bank to immediately stop payment and I told the person I spoke with the whole story. I also told the person that I did not have sufficient funds to cover the replacement check, check # XXXX, for {$1000.00}. The person did not initiate the stop payment and also told me that I need to put enough funds in the account to cover the {$1000.00}. That morning, I deposited {$800.00} to avoid a negative balance. 

On XX/XX/XXXX, I called Wells Fargo again telling them the story, that check # XXXX is a check that has been fraudulently obtained. To make this even more clear, the section where the check issuer writes what the check is for, I wrote, replace check XXXX on the line. XXXX actually altered the check by crossing the words out. 

I believe Wells Fargo made 3 mistakes : 1 ) Wells Fargo should not have accepted a check dated for XXXX on XX/XX/XXXX. 
2 ) I placed a stop payment on check # XXXX on XX/XX/XXXX. The stop payment was never effective. I also called on XX/XX/XXXX to warn Wells Fargo that check # XXXX was just deposited and fraudulently obtained, however Wells Fargo continued to let the check clear. 
3 ) On XX/XX/XXXX early morning, I did not have sufficient funds to cover check # XXXX. Wells Fargo could have returned check # XXXX and said there were no sufficient funds. I also told Wells Fargo, 10 months ago that check # XXXX should not be honored in any way.
Product: Checking or savings account

I made several disputes on XX/XX/2022 because I was involved in a fraudulent scam involving a certain website and my PNC Bank denied my disputes saying they determined no error had occurred. The Amounts are {$1000.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$4100.00}, {$2700.00}, {$4100.00}, {$2100.00} and {$4100.00}. I have evidence proving this was taken from when fraudulently if I need to provide it.
Product: Credit reporting or other personal consumer reports

Freedom Mortgage put a derogatory XXXX days late on my mortgage account even though I paid the mortgage twice in the same month when I called to ask why this happened I was told the remake could it be removed.