23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Experian In reviewing my credit report from Experian, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX inquiry date XX/XX/XXXX 10. XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 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 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.
Product: Credit reporting or other personal consumer reports

Amount on the loan is {$19000.00}. A Late payment, which is a transaction was reported on my Consumer Reports with XXXX, XXXX, and Experian 15 U.S. Code 1681a 2 ( A ), under Exclusions. That U.S. Code states : 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Late Payment is a transaction, and incurs fees. According to the U.S. Code 15 1681a 2 ( A ) ( i ), this transaction is not to show on my Consumer Report.
Product: Credit reporting

I have disputed the incorrect information two times using the processrequired by Experian. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.
Product: Mortgage

Dear CFPB Team, I am complaining for mishandling my Property Tax payment by BSI Financial Services. 

BSI did not pay my property Taxes timely and when I got notice of Non Payment, I immediately shared the copy with them and they confirmed they will make the payment. After receiving further notices I started following up with them regularly and it took them 4-5 weeks for initiating payment as they lacked resources as per them. The payment was released late despite of me reminding them of last date and this their check was rejected and my taxes went to Tax Sale. After speaking to BSI customer service that I will make the payment to avoid reporting to my credit report and they will reimburse me they are completely non responsive to my claim and they are showing record that they have made the payment. I call them every week send them follow-up emails but they do not respond and customer service just takes information and dont do anything. 

I need help and guidance to resolve the issues and get my payment.
Product: Debt collection

Recently, I was notified that I needed to check my XXXX  account. When I did, I learned that a Southwest Credit Systems, L.P. had reported me twice for an account that was previously PAID ( XXXX XXXX XXXX XXXX year 's ago in the amount of {$230.00}. I am DISPUTING, this reporting to my consumer credit file ( s ). I was NOT contacted prior to these reporting 's for the exact same account. I will fax any and all supporting documentation. Any information shared with the Consumer Financial Protection Bureau will be strictly for the purpose of this complaint " only ''! The company 's aren't authorized to use any personal information outside of this complaint.Coleman @ XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion on 3 separate occasions to let them know that I was a victim of identity theft. There have been taxes fraudulently filed in my name, mortgages applied for from other states in my name and when I retrieve my credit file I have these inquires that line up with this and TransUnion is refusing to remove them. I get alerts that my information is on the dark web and I have had to put a lock on everything and really pay attention to the breaches that I have been victim of without even knowing it.
Product: Credit card or prepaid card

I bought a card from the XXXX XXXX on XX/XX/2022 at XXXX and I tried to create a account that way I can set everything up and it say they can't authorized for me to create a account. There is {$54.00} on the card. And I really need to use the card. They took {$7.00} off my card for no reason and I want my money back. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have witness several inquiries on my credit report from Experian, XXXX, and XXXX that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an Experian to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Student loan

I filed my XXXX paperwork back in XXXX of XXXX. XXXX has failed to update my counts or expected payment amount and we are running close to the end of the deferment period. I'm trying to plan financially, but I am unable to because of the lack of information from XXXX. Calls to XXXX have been fruitless as I have been repeatedly lied to. I have spent countless hours on the phone trying to get this resolved only to be told that my account will be updated by " the end of this month. '' Or in " 90 business days. It is 8 months running now that I have been told this and the 90 business days have long passed, but my XXXX counts are still not available. XXXX has recently started telling me that they're waiting on confirmation from XXXX XXXX XXXX, so I called them. They were adamant that XXXX is responsible for this, and not them. Another lie. 

Having the company that is currently embroiled in a lawsuit with the federal government to block the debt relief in charge of administrating the XXXX program is a clear conflict of interest and their inaction proves it.
Product: Debt collection

Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX  account number ( XXXX ) and account number ( XXXX ) ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 


XXXX XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

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

Have sent certified letters and also have called to request that inquiries that I did n't authorize be removed from my credit report. I am always told to contact the creditors to request that they remove the inquiries. The creditors state that because I do n't have an open account with them that they do n't have any information on any inquiry being placed on my account due to them running my credit. I have been given the run around for the past few months no one seems to want to willingly help me resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous efforts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and XXXX I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.
Product: Bank account or service

Hello, On XXXX/XXXX/2015, I opened a new checking account with Citizen 's Bank in response to a promotional offer I received in the mail. The coupon mailer was titled " NEW TO THE NEIGHBORHOOD? '' and offered a {$200.00} credit within 145 days of opening the account ( as long as few basic requirements were met ). 

Several months went by and I still had n't received the credit. Multiple calls to customer service agents, supervisors, and the branch manager confirmed that all conditions of the promotional offer were satisfied - yet for some reason the credit was n't being applied. 

Since then I 've spent countless hours trying to resolve this issue with Citizen 's Bank - on the phone, faxing documents, and driving to various branch locations. 

At this point, Citizen 's Bank has claimed that the mailer must not have been addressed to me because they " ca n't find any record of sending it me. '' Thankfully I still have the original coupon. However, they punched out the smaller card in the middle and added it to my file when I first opened the account. Of course, now they ca n't find any record of it! It 's on this basis they 've concluded they do not need to fulfill the offer. 

In the meantime, I continue to be charged a {$9.00} per month inactivity fee - despite being assured that the fee would n't be charged while the account was in dispute. 

Apparently, I 'm not alone here either. A brief search online has revealed many other victims of this scam. Citizen 's Bank is clearly engaging in practices that are blatantly fraudulent and predatory. 

I 've hit the end of the road. Citizen 's Bank is simply refusing to honor their obligation. Please help!
Product: Credit reporting or other personal consumer reports

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

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, XXXX  and Transunion is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, XXXX, Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Student loan

I am a XXXX and enrolled in the XXXX XXXX XXXX XXXX program. I was making payments as scheduled and when I called in to Navient to get information about my loan, they told me that I was NOT enrolled in the XXXX XXXX program and that they could enroll me now, but none of the payments I had been making would count towards the 10 years of loan payments. Every time I send in documentation, they somehow never receive it and I get a different story each time I call in.
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 disputed 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 outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my crea standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Opened : XXXX Balance : XXXX I have sent a debt validation letter to the bureau and have not received information confirming this is my debt and they own my original contract.
Product: Mortgage

PHH MORTAGE, OCWEN. problems with payments being received. problems with escrow account. I have called multiple times requesting accountability on where escrow funds were going. i was told that i needed my attorney present. at on time in febraury of XXXX  i had over XXXX dollars in escrow and now on my last statement it was XXXX dollars and saying that it is negative. i asked where this had gone and again i was told that i needed my attorney present. i was also transferred to several other people that also could tell me nor could they account where the money had gone. upon my own research PHH and OCWEN do not follow federal banking laws. ive been over charged on my escrow account for years. any help in this matter would be greatly appreciated, thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a loan due XX/XX/2018, had told them i would pay when i could. Called my work mutipe times even after told to stop. I was always on the clock when they would call me so i couldnt answer. They thought it'd be best to go ahead & show up to my work place to ask when i was going to make a payment ...
Product: Checking or savings account

There was an unauthorized charge to my checking account. Wells Fargo refused to issue credit for the charge saying XXXX calendar days was too long. When I contacted the merchant they did not have an account in the same name. Not sure how Well Fargo would let such a charge go through when there this kind of mismatch in information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to Equifax once again regarding information that was removed and has now reappeared since the breach. I disputed all medical per law in XX/XX/XXXX. Every collection was removed according to law. I check my credit report WEEKLY for any errors or old info that may reappear. Once a consumer dispute an item and it has been removed. I can never figure out why we have to keep checking to be sure it has not returned. It seems as though Equifax would keep record of items they have removed and the consumer does. This is why I dispute with CFPB, because there is always a electronic trail. I looked at my credit report yesterday and noticed a 33 pt drop due to an added old collection that was removed in XX/XX/XXXX.

I disputed this on XX/XX/XXXX and Equifax responded on XX/XX/XXXX with all items removed from XXXX XXXX. Please remove to the original complaint id # XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Trying to get thing off my credit report they did a Invested but nothing happened did it like XXXX time and got go through
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts and inquiries listed below from my credit file, pursuant to the provisions outlined under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) due to my victimization in a recent data breach. 
Please ensure that all of the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

There were 4 fraudulent charges made at XXXX XXXX XXXX # XXXX XXXX, Tx 2 charges on XX/XX/18. {$130.00} each Another 2 charges at the same location on XX/XX/18. 1 for {$130.00} and another for {$24.00} totalling to {$420.00} Chase Bank originally reimbursed the money back into my account, but after a few weeks they reversed the credit and took the money back stating that they didnt believe the transactions to be fraudulent. I was then told in order to reopen the investigation i would need to file a police report, once i did that they told me to take it up with the police department and that it was out of there hands.
Product: Debt collection

They call me up to 6 to 8 times a day and they will call all day on Sundays. We told them that they should n't be calling us on Sundays and they do n't stop. We are only behind about {$200.00} we have talked to them and told them we have been paying {$75.00} over per month on our bill. They said we need to pay the {$200.00}. Our monthly bill is {$400.00}. They have told us that they will keep calling until its paid up to date.
Product: Credit reporting or other personal consumer reports

Experian is illegally using my personal data. I would like to have all of my personal data that was stolen by Experian deleted ASAP
Product: Money transfer, virtual currency, or money service

I am filling 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 deceptive as they did not comply with error resolution requirements under the electronics fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I 've been working with Midland Funding LLC for awhile now to try and work out a solution to pay off my debt. From the moment they took over my debt they were threatening to sue me if I did not pay them. I began talking to them on the phone and explained that I did not have the full amount and could not pay them that. However, I did have about {$300.00} available and was willing to pay them that on the spot if they would clear out the debt. Or that I was willing to work on a payment plan if they could fit it within my budget. I explained I did n't want to commit to a plan I could n't afford, which was why I was asking for a reasonable plan. One representative I spoke to a couple times said he would see if they could accept my {$300.00} and would work with me to resolve the debt. I asked him to please leave a voicemail if he did n't reach me so I knew to call him back. They have been calling me under different phone numbers and tend to call while I am at work and can not answer my phone. He promised to leave a voicemail and never did. I began receiving calls from an unknown number and returned one of them to find out it was again Midland Funding. I asked to speak to the same representative and they told me he had left for the day but that they would have him call me and ensure he left me a voicemail if he could n't reach me. That never happened. I did n't hear from anyone for awhile. More calls began coming through on a totally different number and when I answered it to find it was Midland funding the gentleman I spoke with was extremely rude. He told me that the previous representative I spoke with did not provide me with the right information and that this debt was in pre-legal status and I needed to pay the full amount. He stated that due to the pre-legal status there were n't any options to pay less to resolve the debt or do a monthly payment. I informed him that I had been researching their company and discovered that they have their own legal department and the way they do business is to sue people for the debt rather than working with them on it and I did n't want to get to a lawsuit when I am trying to work with them and they are n't willing to work with me. He began to raise his voice and said " Well what difference does it make? Either way you 'll be paying the full amount. Now or when we take legal action. '' I began trying to talk to him and he continued to talk over me and was getting very mean towards me. I hung up the call because I was getting scared and did n't know what to do. I spoke with a money management company and they advised me to contact the Consumer Financial Protection Bureau as this behavior is not condoned.
Product: Debt collection

Called my child 's telephone and said they were the XXXX County Sheriff and wanted to issue a summons for me on bank XXXX, I also received this same message left on my phone. They then called my employer and left this message for my boss. I called the sheriffs department and they did not call me.
Product: Student loan

They would not allow me to lower my payment. Then they would allow me public service forgiveness on my loans stated they dont do that.