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

I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) was included in the bankruptcy. I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's members. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and TranUnion ( $ XXXX/mo ) in order to investigate and dispute the matter. I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. However, to date ( XX/XX/XXXX ), my credit score still has not recovered. 

XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. TransUnion at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX reported to XXXX was XX/XX/XXXX. XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. TransUnion 's website is having technical difficulties so I was unable to retrieve a current report. My credit is damaged. 

I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. I dont know where to begin to attempt to figure out how high my credit score would be if XXXX had not committed this error. All I know is the XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
Product: Money transfer, virtual currency, or money service

XX/XX/23 XXXX XXXX XXXX I was in contact with XXXX XXXX XXXXXXXX XXXX XXXXXXXX Regulatory Complaints Operations XXXX Ext XXXX XXXX  XXXX I was supposed to contact this individual upon receipt of my XXXX XXXX Sheriffs Office Incident Report. 
I now have the report yet I am unable to reach this individual. 
I need to submit my report in order to obtain additional information from BOA as it relates to who received my funds. 
The XXXX was issued to XXXX XXXX however the account thst received my funds is in the name of XXXX XXXX. This indicates that my funds did not go to XXXX XXXX and should be returned to me by BOA.
Product: Credit card or prepaid card

I had an account ( credit card ) with your company since XX/XX/2014 which it was charged-off, this account was under the management of XXXX XXXX XXXX, they affirm that this account has been paid off according to the settlement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of account information on my credit report by the bureaus and creditors for my accounts listed below : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}
Product: Money transfer, virtual currency, or money service

We are in the process of buying a house. And we need to send the earnest money to the title company by a certain day ( XXXX XX/XX/2023 ). On that day, we called Goldman Sachs and asked to do a wire transfer. Their website says ACH may take 1-3 days. But if you are in a hurry, you can do a wire transfer which can be processed by XXXX ET on the same day. The next day when we checked the status of the wire transfer, we found out it had been put in a queue. And we were told itd take 1-3 business days for this to go through. It was already past our deadline. We could lose the house because of this. We made multiple calls to try to get to the bottom of this. We were told it had been expedited and they wouldnt tell us when the transaction would go through. They still gave us the 1-3 business day line. We tried to talk to two of their managers ( XXXX and XXXX ) who were both extremely rude and arrogant. XXXX even hang up on us. If you dont do what you advertise on our website, then whats the point? As a company, you lost all the credibility with us. Well move our business elsewhere. By the way, theres a case number on this, XXXX. I dont trust them to keep it though.
Product: Credit card

I had a credit card with Navy Federal Credit Union, XXXX. XXXX XXXX, XXXX, VA XXXX. We tried to pay off the Credit Card, but they had increased my percent to 18 % so that my yearly interest interest XX/XX/XXXX was {$860.00}. I had to take out another loan at 3.14 % to pay off Navy Federal as I was never going to make Navy Federal schedule. My family had medical due XX/XX/XXXX which we managed to pay off but at the expense of missing a few monthly payments to Navy Fed. I asked Navy Fed. to reduce my interest, but they refused. I felt that as a XXXX Veteran they would oblige a lower rate after I asked. They did not. My account with them has since been closed as of XXXX XXXX. I am filing this complaint because I believed that Navy Federal could have reduced my 18 % to a more manageable rate as I was in troubled financial times.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF AN ACCOUNT ON MY REPORT! THEY AREN'T EVEN PROPERLY INVESTIGATING THE MATTER!

PER 15 USC 1681 CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING XXXX XXXX XXXX  ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX XXXX THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXXXXXX, EXPERIAN, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 gotten a few reports from my various credit cards credit monitoring that my information has been found on the dark web over the past year or two. I did not think anything of it because most of the information was false anyway. Around XXXX XXXX when I was checking my credit report through my XXXX account ( I hold multiple credit cards through XXXX XXXX ) I noticed there was a late payment that was reported through Affirm. I didnt even know what Affirm was at that point nor did I know how you even use it. I also did not see this line of credit through my XXXX XXXX reporting that I check regularly because I dont believe they pull their information from XXXX. That was the only bureau that was actually showing this line of credit that I did NOT OPEN. When I called Affirm to try and figure out what it was for, I had a lot of questions because Ive never even used Affirm for anything because I have my own credit cards that I use for everything. They informed me it was a purchase made using my social security number and an old email address I never check anymore and it for a website called XXXX XXXX??? Ive never even been on that website. Now my credit is severely affected because I have a fraudulent loan with a delinquent payment history. I had Affirm investigate and they determined I am responsible for the balance even though I reported that it was entirely FRAUDULENT. Then I had XXXX investigate and they determined the information was accurate and I am still responsible for this fraudulent loan. The only information you need to open this loan/line of credit is extremely basic information that is easy to find. I am also frustrated that they have investigated but I have not received any follow up questioning in regards to this. What are even the parameters around the investigation and how they determine its fact and not fiction?? They just investigated and determined I am liable for a loan I DID NOT open on a website Ive NEVER even been on.
Product: Mortgage

In XX/XX/XXXX, I noticed that my mortgage payment increased by approximately {$500.00} per month since XX/XX/XXXX. In the account statement, I found that the difference was due to a substantial increase in my escrow account ( from {$87.00} to {$500.00} per month ). The mortgage company, XXXX, paid out {$1400.00} from my escrow account, causing a negative balance in my escrow account and the increase of my monthly escrow payment. My real estate property tax was analyzed by the escrow department of this company ( XXXX ) in XX/XX/XXXX, however, it is incorrect because my real estate taxes have never been that high ( I have been in my current residence for 8 years ). This was confirmed by my city tax collector.
Although XXXX paid out {$1400.00} from my escrow account, my real estate property taxes were in fact never paid. I received a warrant noticed from my city that I did not make tax payments. When I called, the city tax collector informed me that the mortgage company has not paid my taxes for the last 3 quarters and that I will have a lien on my mortgage if I do n't pay soon. The total amount of taxes I owe to my city is currently {$500.00}. The amount of overage that XXXX has charged me is {$830.00} for XX/XX/XXXX and XX/XX/XXXX. 

I reached out to XXXX on XX/XX/XXXX for this matter and received an automated response. I never received any call backs. Since then, I called numerous times and spent hours on the phone trying to resolve the issue, but nothing occurred. On XX/XX/XXXX, I mailed a letter per CFPB suggestion. I have attached the letter in this complaint. On XX/XX/XXXX, I called again and spent 2 hours on the phone. A representative ( XXXX, agent # XXXX ) told me that a supervisor will call me back. When the supervisor called, I could n't answer the phone and this supervisor left a message stating that her name is " XXXX XXXX '' and left me the XXXX  number without an extension. When I called in the morning of XX/XX/XXXX, a representative told me that I can not reach XXXX XXXX because it was never indicated in the notes that XXXX XXXX indeed called, and that I need to continue to wait for a supervisor call back. 

I no longer have any confidence that XXXX  has any intend on resolving this enormous error nor can I tell whether this error was made intentionally or not. On XX/XX/XXXX, I sent customer support an email request to immediately close my escrow account and not to disburse any further payments from my loan account.
Product: Credit reporting or other personal consumer reports

Complaint against GE Financial for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against GE Financial regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with GE Financial have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from GE Financial in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to GE Financial. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to GE Financial and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

This company Direct Recovery services calls once or twice a month or more and the caller ID SHOWS one number and then the voicemail they leaves says to call another number then I do call that number its not an active number. I have tried to ask them What is the name of the company that they are calling from, and I get a repeated response. Then they leave a detail message describing a debt but they use lingo like I have a file for this name the voice mail is public, I have never got a verification of debt and I have no idea what debt their even referring to.
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 thier platform, leaving my account vulnerable and unprotected. Furthermore, thier 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 for these violations.
Product: Debt collection

Tab/Sunbit XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX Subject : Dispute of Debt and Request for Removal from Credit Report Dear Sir/Madam , I am writing to formally dispute the alleged debt of {$370.00} associated with my name. I have no knowledge of this debt and request a detailed explanation of its origin, including the specific goods or services provided. I kindly ask you to provide all relevant documentation to substantiate this claim. 

Additionally, if this debt is found to be in error or if it can not be substantiated, I request that it be removed from my credit report and that any negative impact on my credit history be corrected. 

Please respond to this inquiry at your earliest convenience. I look forward to resolving this matter promptly. 

Thank you for your attention to this issue.
Product: Student loan

I have multiple times over the years asked Navient, my student loan company, about refinancing to qualify for the public service loan forgiveness. It is difficult to understand why the requirements are in place the prevent me to qualify. I have diligently paid my student loans now for nearly 20 years. I have worked in XXXX XXXX, with the state of XXXX, for nearly that long. They should allow me to qualify, but refuse.
Product: Debt collection

Franklin collection claims I have a debt with them when I have not done any type of with them or any one associated with them. balance. I asked them in writing to provide me with proof of this debt but they did not respond or provide any evidence. By not replying to me in a timely manner to my initial letter on XX/XX/18, they have not only violated federal and state laws, but you have also failedto provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Therefor they should immediately request that this erroneous debt be deleted by all credit reporting agencies or I will be forced to this wrong doing to the attorney general, the XXXX XXXX XXXX, and finally I will file a small claims case where they will have to report court to defend themselves at my local court. Be aware I have been keeping a close record or all correspondence should they keep breaking the law.
Product: Debt collection

A cease-and-desist on all phone calls was issued and the company has yet to abide by that request I get phone calls four times a day with one last night being at five minutes to XXXX XXXX. I do not know what this alleged debt is as I have never signed a contract with Midland credit. I do not have an account that I opened with Midland credit because I do not have a signed contract with Midland credit nor an account with Midland, credit the calls, harassment, and negative affect my credit report. Need to stop and be removed.
Product: Mortgage

Wells Fargo loan officer XXXX XXXX breached her fiduciary duty and gave me a bad loan 10 years ago with a fixed rate of 6.75 % with no amortization. It is obvious she was looking after only her interest in gaining a big bonus for getting me into a bad loan. In retrospect, the loan I had before I refinanced the property was a better loan. The loan officer refinanced me with new bad loan with a fixed interest rate of 6.75 % interest with no amortization. The loan was also not covered by either XXXX or XXXX XXXX so I can not refinance under the HARP program. I originally purchased the property for {$490000.00} and the property is now only worth around {$420000.00} and I do not have enough equity to refinance the {$370000.00} loan. 
During the past 10 years, I have complained to over twenty Wells Fargo loan officer about the bad loan. For over 10 years, I have lost over {$1000.00} each month on the property because my loan payments have been around {$2500.00} per month, but my rental income was only about {$1500.00}, and I could not refinance. I will be XXXX years old in XXXX, and we rely solely on our modest social security and XXXX pension incomes for our survival so this bad loan has created an extreme hardship and a real nightmare on our limited budget. 
My loan is finally scheduled to reset in XXXX XXXX when I understand my current interest rate of 6.75 % could drop to a lower variable level and there would be amortization. I would like Wells Fargo to accelerate the reset date as soon as possible before XXXX XXXX so I can get immediate relief from the negative {$1000.00} per month negative cash flow. My wife and I both have XXXX scores above XXXX so we are very responsible in paying our bills. We have also been loyal Wells Fargo customer for over 50 years when we purchased our first home in XXXX with a Wells Fargo mortgage. 
Any help you can provide would be deeply appreciated. 

XXXX Cell : XXXX
Product: Credit card

unathorized charges, and no knowledge of accounts being open, reprted fraudulent to XXXX and XXXX XXXX, company keeps reopening this acct like it is new, I repeatedly report it as fraud and I am not getting anywhere, according to credit report I owe {$3400.00}, i never received merchandise. i have been out of nevada for XXXX  years I was at United States XXXX XXXX at XXXX XXXX since XXXX XXXX XXXX, went to station in XXXX XXXX oklahoma XXXX XX/XX/XXXX until XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current XXXX.