23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Lincoln Tech entered into a contractual agreement with my underaged son whereby I signed as his parent as a cosigner. Without my knowledge or consent, my son dropped out of school and instead of Lincoln Tech sending me an initial request with the appropriate information regarding my son 's debt, they send me threatening letters stating that the account was past due and that they could not contact my son and that they would report this debt negatively to the credit bureaus on my account. I contacted this company several times in writing asking for the appropriate information informing them that I had an issue with them sending me threatening letters when I had never been initially contacted about the original debt.. The company did not respond to my requests for information and verification and yet continued to send me threatening letters stating that they would report negative information on my credit report. I believe that this company violated my rights under the Fair Debt Consumer Reporting Act. I have asked this company several times, where did they expect an underaged child to be able to immediately pay back over XXXX without a response. I believe this college practices predatory lending and even though I have paid them XXXX payments they have reported inaccurate negative information on my credit bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure this will involve TransUnion and XXXX, but XXXX has been a problem forever. I recently refinanced my home and also paid off my second mortgage and 2 auto loans. I have no alternative but for the accounts to close once they have been paid off. However, a drop of 66 points is just wrong. How am I supposed to improve my credit score? I have NEVER been late, my credit card balances DECREASE EVERY MONTH, yet I get dinged 10 % for closing an installment loan that has been paid off. I have tried to contact XXXX, but they offer not contact information and it is an endless loop of " contact an agent '' which brings me back to the same FAQ page. Is there nothing I can do about this? What is the incentive of paying off loans when the last payment is due if it is going to affect credit? If I get a loan now, I will have to pay a higher interest rate due to the decline in my credit score fro XXXX to XXXX. If anything, it should have gone UP. XXXX  lowered my score 66 points, TransUnion lowered it 46 points. What is the difference? There is nothing I can do about this, is there? Why bother with paying my bills on time? This is so wrong, and something needs to be done about it. I am livid. I did all of this to increase my score, but now I could file bankruptcy and probably have a higher score. Bunch of jerks. Do something about this. Now, the loan I was going to renew will be much higher. Thanks for nothing.
Product: Debt collection

in 2020 i tried to buy a house. the loan officer ran my credit and there were three pending accounts that were not paid. one with XXXX XXXX, second with XXXX XXXX, and the last one with XXXX XXXX. the first two accounts were dropped because the loans were in XXXX and XXXX I contacted XXXX XXXX  and mentioned about the identity theft, and they responded that I had " benefits from the purchases ''!! XXXXXXXX XXXX sold the debt to Midland Credit Management, and now they are suing me for the account i never opened or had any idea of existing. i would like this allegation to be deleted from my credit report immediately.
Product: Debt collection

I am filing this complaint because I have noticed an alleged debt that was assumed to belong to me in my credit reports. This agency specifically poses as a law firm. According to the FDCPA, debt collectors can not be attorneys. I was also not given the opportunity to dispute the alleged debt they furnished to my consumer reports. This company is in violation of 15 USC 1692e ( 10 ).
Product: Mortgage

I received notice from Florida XXXX XXXX/Dovenmuehle mortgage that my loan was being transferred to them for servicing effective XXXX/XXXX/2016 and that my present service provider ( XXXX ) would no longer accept payments. So I stopped payment to XXXX ( cost {$25.00} ) and sent a new mortgage payment to XXXX/Dovenmuehle. When I called a week later to follow up on it, XXXX/Dovenmuehle HAS NO RECORD OF MY NEW ACCOUNT NUMBER!! Even though they printed it on the very letter they sent me. Then, customer service tells me that it will probably take them another week to establish my account! Are you serious? They assigned an account number in the late notice they sent to me but do n't have it set up?? WTH?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.XXXX XXXX XXXX XXXX states that the account was sent to their office on XX/XX/2017 but it is reporting on Experian that it was open on XX/XX/2017
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

EXPERIAN has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claim. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Moreover, as a result of the unresolved claim, my financial institution closed my account, further compounding the inconvenience and financial hardship caused by Zelle 's failure to address the issue. This experience has severely impacted my trust in the platform and its commitment to consumer protection. 
I urge Zelle to address these shortcomings, improve its dispute resolution process, and ensure that customers are not left vulnerable to fraudulent activity without recourse. Thank you for your attention to this matte
Product: Credit reporting

I disputed XXXX XXXX XXXX because it is a fraudulent account ; however it was not removed. I discovered this debt when viewing my credit reports. I went and filed a police report in which I am attaching the case number. I produced all of my documents. I am also attaching a copy of my mortgage document which shows my address of XXXX XXXX XXXX XXXX. Then I attached my property tax document which shows the time I resided at my current property, XXXX XXXX XXXX XXXX. I have never applied or received anything from XXXX XXXX XXXX at either XXXX of my residences. Also, when I contacted them none of the contact information was mine. I am asking you to delete this fraudulent debt from my credit report immediately and also please add the seven year extended fraud alert to my credit report.
Product: Credit reporting or other personal consumer reports

EVERYTIME I WOKE UP IN THE MORNING, THESE INACCURATE REMARKS ARE STILL IN MY ACCOUNTS AND REPORT. THESE FALSE AND SHOULD BE UPDATED. I WAS NEVER LATE IN TERMS OF PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 
XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST XXXX XXXX AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018
Product: Money transfer, virtual currency, or money service

At XXXX XXXX XX/XX/2021 my Coinbase account was hacked. Someone had registered a new device without my consent ( XXXX XXXX Address : XXXX. They had them gained unauthorized access to the account. They then proceeded to withdraw over {$60000.00} BTC, then converted over {$270000.00} of ETH to BTC, then {$24000.00} XXXX LTC to BTC. This happened until all my currencies were converted to BTC. I had over {$400000.00} in my account at the time of the hack. A delay was put on a single transaction at XXXX. Then {$2000.00} was withdrawn from my back account. At XXXX they sent XXXX BTC to a wallet ( XXXX ). This was attempted XXXX times from XXXX. 
I attempted to freeze my account at XXXX, however I didn't get through to Coinbase support for over XXXX minutes, while they drained my account ( originally I was told XXXX minutes ). I was not openly giving out any information with regards to emails or password. Coinbase did not recognize the fraudulent activity. They did not act swiftly to freeze my account for suspicious or unauthorized transactions.
Product: Debt collection

XXXX XXXX XXXX is reporting negative information on my credit report and have been doing so for the past 2 years, i have contacted them several times and advised them that the debt does not belong to me and asked for original documentation ( a consumer contract with my signature on it ) to be sent to me which is required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )  ( A ) to this date they have not provided me such documentation, i have contacted all three credit bureaus and they conducted an investigation and removed the item from my report previously, however they have now sold the debt to another collection agency XXXX XXXX XXXX whom is now reporting negative information on my credit report.
Product: Checking or savings account

In May of this year while I was traveling money was taken from my Bank of America checking account without my approval or authorization. A total of {$60000.00} was taken from my checking account by deductions of {$30000.00} on XX/XX/XXXX and {$30000.00} on XX/XX/XXXX. I had no knowledge of these deductions. When I returned from my trip I notified the Bank of America within two days. The Bank of America Fraud Department tried to retrieve this money but was unsuccessful. I did not learn of the results of this investigation until late XXXX. I waited for a long time for the result of this investigation until I contacted the bank myself. I have attached a copy of the applicable page from my bank statement. I believe your bureau has already assigned me a complaint number XXXX which I received by mail.
Product: Checking or savings account

On my file disclosure and shows that open two bank accounts one with Wells Fargo opened it on XX/XX/2012 yet i was incarcerated at the time how could i have opened it
Product: Student loan

I check my Mohela and they balance showed Current Principal : {$110000.00} Accrued Interest as of XX/XX/year> : {$4100.00} Payoff Amount as of XX/XX/year> : {$110000.00} Yesterday, I checked my studentaid.gov website and it showed it showed XXXX. 

I got thrilled and started telling people how my loans were paid down. 

Well today on XX/XX/XXXX, sudentaid.gov webiste is showing owe {$320000.00} Principal {$4300.00} Interest
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 has 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 creditor/CA 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 BANK XXXX XXXX & XXXX XXXX XXXX # XXXX
Product: Debt collection

LVNV funding is attempting to collect a debt that according to XXXX in XXXX XXXX under my name reflects this has been dismissed without prejudice on XX/XX/2022
Product: Credit card or prepaid card

I have come to the conclusion that Cashapp is both negligent in their security and allowing my financial information to be sold and distributed to scammers. Not only is CashApp the only financial account that has been repeatedly been compromised, I have yet to get a clear answer as to why and how the debit card they issued and hasnt even been delivered to my address yet is being defrauded. 

I had noticed that multiple transactions were attempting to go through from obviously fraudulent sources ( ex : {$320.00} from a XXXX in XXXX Florida, {$30.00} from an entity titled XXXX XXXX ). For reference, I have never been to Florida and have lived in XXXX, California for the past year. I officially changed all my bank sign in information, including the PIN and password for Cashapp and reported the debit card as stolen on XX/XX/XXXX. I received confirmation that the debit card was canceled and a new one was being processed, so I assumed that with that confirmation from CashApp my account was secured again and was fine to remove the freeze on the card. On XX/XX/XXXX I received email confirmation from CashApp that the new debit card had shipped. On XX/XX/XXXX an entity claiming to be a XXXX in XXXX XXXX put two fraudulent transactions on the same debit card that was in the mail and yet to be delivered, {$150.00} and {$48.00} for a total of {$200.00} stolen from a debit card that was allegedly still in the mail. I immediately reached out to their support team and found them extremely lacking and unprofessional, there is not direct phone number so my case was reduced to chatting 5 different people and repeating the same information, they said all I could do was wait for them to respond within 10 business days. I have finally received an official acknowledgement of my case # XXXX, but they have not responded with how or when theyll return the funds and make sure that their system isnt compromised. Its extremely frustrating when a substantial amount of money is stolen electronically with information that I havent even received yet, and the XXXXashApp support team did nothing to soothe my anxiety or provide a solution. I dont understand why my CashApp debit card is being defrauded when my XXXX XXXX  XXXX account is fine, Ive only experienced fraud on my XXXX account once and it was immediately rectified. Which is why Ive arrived at my conclusion that it must be negligence on CashApps part, Ive never dealt with a financial institution that doesn't make a potential security breach and fraud a priority. My hope is that by filing this complaint CashApp will return the stolen funds as soon as possible and receive the pressure it needs to stop this criminal negligence and strengthen their support team so they can assist with the fraud that theyve allowed to run rampant.
Product: Student loan

I have consolidated direct federal loans with Fedloans. I have been working in non profit organizations, and plan to apply for PSLF. 

I have made almost five and half years of qualified payments, but Fedloans has only counted a handful towards this. I have called them several times, and they reassure that all my paperwork are there and are correct, however, have not updated a correct count.
Product: Mortgage

I have XXXX % equity in my home and have been paying my mortgage on time every month for the last 3 years. Wells Fargo is not allowing me to petition for PMI removal without jumping through arbitrary hoops that they have created and are not consistent with XXXX XXXX requirements as an investor. I would like to ask that you hold Wells Fargo to a level of accountability.
Product: Credit card

In early XX/XX/2016, I tried logging into my Chase Bank credit card account. I was notified that my email address had been changed, and was asked if it was me. I was not notified of this until I tried to log into my account. I changed the email address back to my actual one and was able to log in. At that time I saw that a Chase Amazon card had been issued in my name, that I never requested. I also saw that there were 4 fraudulent charges on my Chase Sapphire credit card, all small charges to Amazon digital services. I spoke to Chase 's fraud department -- they took off the charges, and closed the fraudulent Chase Amazon credit card. I put a 90 day fraud alert on my credit report. However, I just learned last night, after deciding to reinitiate the 90 day fraud alert for my safety, that there have been TWO more hard inquiries on my credit report, all from Chase Bank. One in XX/XX/2016, and one in XX/XX/2016. How did this happen, if I have a fraud alert on my credit reports? I was never notified by Chase, I was never called by anyone. And yet, two more hard credit inquires from Chase Bank on my credit report, thereby negatively affecting my credit score. I called Chase Bank, spoke yet again to the fraud department. I found out that the two latest inquiries were also for Amazon credit cards. Chase did agree to contact the credit bureaus to remove the fraudulent inquiries, but in terms of any protection for me, could NOT explain why this happened in spite of the active 90 day fraud alert with all XXXX credit reporting agencies, NOR could they offer me any additional protection from having new accounts inquiries or cards with Chase. When I asked specifically what other layers of protection Chase could offer, such as freezing my account so that no more inquiries would be allowed, or needing additional information from a person if they try to apply for an account ... they offered nothing. Just reading from written materials to me, the same thing I 've heard before about putting a fraud alert on my account. Which has not helped me AT ALL with Chase. Considering someone got into my Chase account and changed the email address, and I 'm not being notified when new inquiries are happening, in spite of a fraud alert being on my credit reports ... this certainly seems like an inside job, with Chase and perhaps with Amazon. When I asked to speak to a manager, someone higher up, I was denied that request.