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

I called XXXX, XXXX and Experian to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my XXXX and experian credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed
Product: Credit card or prepaid card

Can't get access to my Massachusetts unemployment card account please contact me XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Hey there it 's been a live check cashed under the check was for my father XXXX everything on the check was his correct information except for the social security number was mines and he late paying it and they reporting it under my credit i called the company that the check was sent out to but they still have n't tried to fix the problem the place where check was cashed was called XXXX I was trying to see what I can do to get this problem fixed cause it 's not mines and it 's hurting my credit bad thanks
Product: Credit card or prepaid card

I received a letter dated XX/XX/23 that two of my Chase credit cards are being closed for unexpected activity. Upon receiving this letter I called Chase immediately to try to understand why this is happening but they refused to disclose anything to me. At this point, I am left clueless and afraid about whether they intend to close my chase bank account or whether this will affect me or my family in any way. All Im asking is for a legitimate reason and I am not entitled to XXXX. This is a deliberate abuse of their power as a financial institution. They accuse, prosecute, and condemn without any recourse or transparency. If you could help in any way, it would be greatly appreciated. 

Kind regards, XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 
I am challenging the validity of this alleged eviction you have listed on my consumer report. I recently Challenged this same account with the credit bureaus and they came back stating that they have " verified '' this account with XXXX XXXX. To my knowledge your company has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me so with that being said, please send me ANY supporting documents you have on file that you believe justify such defaming information. I am expecting a response from you within 15 days from this letter. If such documents can not be produced, please delete this eviction from my report immediately.
Product: Mortgage

XXXX XXXX XXXX XXXX from Freedom Mortage called me approx. on XX/XX/2021, stating we were a good customer and they work to help their customers save money. He asked if I would be interested in refinancing our 15-year mortgage to a lower rate at no cost to us? We would save about {$75.00} a month and the term would be what was left on our current mortgage - 13.9 months. It was a no-brainer, and I said yes. 

After months of sending information multiple times to different people who called me randomly throughout the last 2 months, after numerous phone calls on hold to find out the status of our refinance we got a call last night XXXX that we had to pay {$580.00} to hold the interest rate on the loan for another 30 days! 

I received a call about 3 weeks ago from Freedom Mortgage stating that they were planning to close on XXXX and I had excess money in the account and it would be refunded when we closed. I have multiple emails where I've sent the same information to Freedom Mortgage many times to different people. I chalked it up that they were unorganized. It was frustrating and a big headache. 

I feel that misrepresented what they stated and only dragged this out so they could get money. This was wrong!
Product: Student loan

Fedloan servicing reported XXXX of my unsubsidized loans as " paid in full '' and removed them from my credit report following a loan payoff. Recently, they " reopened '' them with a balance of several cents and put them into " repayment '' status, with no explanation. I am currently in school full time. They have not responded to my inquiry. I wish to have these loans closed again since they were paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to transfer cryptocurrency from my XXXX account to another crypto account. Immediately after, my account was restricted without explanation. 

I was expecting a call back by XX/XX/XXXX, but never received XXXX. On XX/XX/XXXX, I contacted XXXX customer support and was instructed to submit documents, including my passport, bank statements, and a selfie. I complied with this request, and they told me my case would be reviewed by XX/XX/XXXX. 

Since then, XXXX has continuously delayed the review process, pushing the date forward by XXXX day every single day. On XX/XX/XXXX, it said XX/XX/XXXX ; on the XXXX, it said XX/XX/XXXX, and so on. As of today, XX/XX/XXXX, my account now says it will be reviewed by XX/XX/XXXX. 

This indefinite delay is unacceptable, and XXXX has failed to provide a clear explanation or resolution for restricting my account and my funds. I am seeking immediate action to either restore access to my account or allow me to withdraw my funds.
Product: Debt collection

Client and XXXX XXXX XXXX satisfied debt per agreement and Debt Collection Company was supposed to file Satisfaction of Lien with court but never did. They told me ( client 's attorney ) over the phone that they did send the sanctification of lien into the court but that was not true. They later told me over the phone was not true.
Product: Mortgage

I have previously contacted CFPB concerning my insurance problem with TMS. TMS claimed that I had insurance refund which I didn't refund. After reading their response, I contacted TMS and a representative from their insurance department helped me contact both insurance companies and I paid off all insurance refund due. TMS informed me that they will another escrow analysis to correct the increase in my mortgage payment amount. 

Today, after paying the insurance refunds, they still have my mortgage reflecting the increased amount they claimed was due to the insurance refund. 
TMS claims that I have written several complaints on this issue, but it is because they keep misrepresenting issues and never truly wanting to resolve the issue keeps coming up. 

I will also like to know why TMS has continued to change its name every so often.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only XXXX deleted these accounts from my credit report. I have followed up with XXXX and Experian with follow suit letters with still no response. I am requesting that XXXX and Experian follow suit of XXXX and delete the six XXXX XXXX accounts from my credit report. XXXX and Experian can confirm by reaching out to XXXX to confirm this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to tell you that, I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT  OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX - XXXX XXXX XXXX, XXXX XXXXU XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

please refer to customer complaing # XXXX providing proof that this company admitted fault in illegally denied my credit application and promising to remove it as a hard inquiry on my credit report. 

then refer to customer complaint # XXXX of me trying to resolve the issue of them refusing to resolve the problem where they responded that they have resolved which I am providing proof that they are lying on their response and have not resolved the issue as they claim and causing even more finical harm to me because of the refusal to rectify the illegal discriminatory practices.
Product: Debt collection

I have disputed this inaccurate information with the three credit bureaus and receive results from XXXX   and XXXX due to the fact that this information can not be verified and provide documentation that it is mine. I have requested documentation on three separate occasions unfortunately this company has continued to report to XXXX stated that is that is mine and that it is indeed accurate. I am requesting the original signed contract of this debt and that this debt is valid. According to XXXX and XXXX  this debt is unverified and was deleted and I request that this information removed from my XXXX credit file as well.
Product: Student loan

My student loan is serviced through Navient. Navient makes calls to my children and spouse disclosing personal/ private information through voice mails. They have obtained cellular phone numbers to harass. I would like this harassment to cease. They make it really difficult to attend to this matter through this collection harassment. I am fearful that speaking with them will only strong arm me into a situation I can not manage. This is out of control now from past collection activities which recommended only forebearance as options. I had a XXXX loan which is now over XXXX . Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard Inquiry on Equifax credit report from XXXX on XXXX XXXX 2017. I was told at XXXX XXXX  where I applied and received a credit card that this is in error as they do n't do hard pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to both Capital One and XXXX XXXX fraud departments in regards to fraud. I filed police report with XXXX XXXX. Neither company removed their inquiries from my credit report. 

Police Report # XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

According to fair reporting when they did charge off I was supposed to receive a 1099 so I can file and I didn't receive and I already filed taxes this is supposed to be removed and nobody is investigating not to mention the aggressive reporting of XXXX  XXXX  months in a row also violation of fair credit reporting
Product: Money transfer, virtual currency, or money service

I am concerned about Zelle handling disputes, especially with the recent CFPB lawsuit with issues on platforms. Despite using Zelle numerous times and reporting issues with my financial institution and Zelle failed to investigate my claims. They just inform me that recovering lost funds are impossible and that tracking is infeasible
Product: Credit reporting or other personal consumer reports

hi good afternoon My name is XXXX XXXX XXXX and i have not make credit report more 10 year and isee that have lot inquiries on my file that i see see credit card that i never apply for one other information someone stole my identities and make report to IRS about it but i still have information on my i have student loan yes i due have that and car payment i don't have global lending i sale my car to other dealership and i don't own money to this companies and i send full report to you can see if remove
Product: Credit card

My fiance and I both have individual credit card accounts with Synchrony Bank, along with one joint account ( account is in both our names ). I received notification from Synchrony that they had added two of my individual accounts ( accounts in my name only ) to my fiance 's online profile. This means that he has access not only to his individual Synchrony accounts and our joint account, but also to the account information for credit cards in my name only. Synchrony should NOT have exposed my personal information from my 2 individual accounts to him ; he did not have those account numbers nor my social security number, and did nothing to facilitate those accounts being made available to him. This is unacceptable and a mis-management of my personal information. I spent about an hour on the phone with Synchrony, explaining the issue to 3 different people. No one took ownership of the issue ; instead, they told me " it could n't happen '' ( in spite of the emails I received from them and confirmation from my fiance that those accounts were displayed to him as being able to add to his profile ) ; they also told me he could just delete from his online profile, if he did n't want to see my accounts. They are OBVIOUSLY missing the point and refusing to hear that they have violated my privacy by sharing personal/private individual account information with someone who is not listed as joint cardholder or even an authorized user on the accounts. I have no idea if this issue only occurs in scenarios where people share a joint account through Synchrony and also have individual accounts, or, if there is an even larger bug in their system where they are exposing my account information to people I do n't even know. Synchrony must be able to discern which accounts are appropriate to show an individual. Only the joint accounts should be exposed, along with only the individual accounts belonging to that person, and NOT the unrelated individual accounts belonging to the other joint cardholder. Synchrony needs to take greater responsibility in handling the private data of its customers, and most certainly needs to train their customer and fraud support teams to listen to and act on customer complaints when a privacy violation has occurred.
Product: Credit card or prepaid card

On XX/XX/XXXX, Barlaycard US sent me a letter stating that my credit card ( barclays arrival plus world elite mastercard ending in XXXX ) was closed due to " your history of account usage ''. I received the letter on XX/XX/XXXX20 and responded with a letter on XXXX/XXXX/20. I requested 4 things : 1. For information regarding the closure since their statement was vague and unclear. 
2. For the account to be reinstated as I had kept the account in good standing. 
3. A refund of the annual fee paid earlier in the year in the amount of {$89.00} as the membership fee was for an annual membership and they did not fulfill the annual membership. 
4. A credit in the amount fo {$430.00} as I had XXXX points remaining in my account on the day of closure. These points could be used at a $ 0.01/point ratio to credit travel expenses. On XXXX XXXX, 2020, I made a charge to " XXXX XXXX '' in excess of {$700.00} and this charge would qualify as a travel charge, so the point could be applied to the charge. 

On XX/XX/XXXX2020 Barclaycard US replied with a letter simply stating " ... We are unable to complete your request ... '' with no additional information. 

My first concern is that I would like a credit in the amount of {$520.00} for the annual fee refund and a usage of the remainder of my points.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

According to the email I received, Nelnet is " currently experiencing unprecedented email volume '' preventing them from responding to my email... ever. This seems to be a clever way to avoid having any written ( read " recorded '' ) account of our conversations. This strikes me as highly unethical and irresponsible, even for a company that was accused in 1993 of using a tax loophole to generate upwards of {$1.00} XXXX dollars in profit from student loans that it managed. New York and Nebraska have both gone after the company for allegedly paying kickbacks to colleges and universities that pushed students toward Nelnet loans. I would like to request ongoing EMAIL correspondence with Nelnet to ensure that vital communication isn't lost in the ether of supposedly " recorded '' phone conversations.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress