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

XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX A.   XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX B. Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs  of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

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

XXXX XXXX is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a car loan open in my name that I didnt approve of nor knew about. Credit a acceptance keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with credit acceptance they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.
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 Customer 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 to these violations.
Product: Student loan

I signed up for XXXX loan forgiveness. I submitted my application on XX/XX/XXXX, and it took XXXX 5 months to process XXXX XXXX for one employer. They then told me I had to wait to be transferred to Mohela in XXXX on the XXXX. After the transfer, I received my first payment count of 4. I consolidated my loans in XX/XX/XXXX. I decided to be proactive and created a PDF with all the XXXX submissions and all communications I received from XXXX, to speed the process up, not realizing that when I was transferred from XXXX  that XXXX  ( according to a supervisor I spoke with recently ) none of the information is transferred over and so that have to process the upload, which I don't understand why they would need to process a form twice when it was approved by XXXX XXXX I submitted the upload on XX/XX/XXXX and still have not heard anything back, nor has my payment tracker moved past 4. When I call, I get told to wait, and the most recent call said I had two pages 1 's ; one was good because of the " wet '' signature, and the other bad because digital. That it may get rejected, which I can not understand why when the original form was already approved. i submitted another form on XX/XX/XXXX which was marked duplicate. My original XXXX and the one for the year update submitted on XX/XX/XXXX are processed as of XX/XX/XXXX but my accounts have only moved by 10. It's been almost another 30 days with no account movement. I do not believe Mohlea is acting in good faith on my account.
Product: Credit reporting or other personal consumer reports

In light of discovering unauthorized credit inquiries on my credit report received on XX/XX/XXXX, I am promptly following up to insist on their removal. These inquiries, which I did not approve, persist in my credit file, detailed as follows along with an incorrect address : EXPERIAN : XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXXXX/XX/XXXX. Certified letters have been dispatched to each listed company to declare the inquiries unauthorized with a request for cessation and deletion from my credit report. Accompanying this action is my latest FTC report, numbered XXXX.
Product: Credit card

To Whom It May Concern, I am writing to file a formal complaint regarding Bank of America 's mishandling of my dispute and their failure to provide adequate customer service. 

On XXXX .I submitted a dispute through their online platform and requested follow-up via phone. Bank of America confirmed that someone would handle my issue within five minutes. However, after waiting for over 20 minutes, no one contacted me. Instead, the system automatically disconnected the call, stating that they could not process my request. 

This lack of accountability and resolution has caused significant frustration and inconvenience. As a customer, I expect timely and professional service, especially when dealing with disputes that require urgent attention. 

I am now escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in ensuring Bank of America resolves my dispute and improves their customer service process. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Consumer Loan

I have an auto loan with BMW Financial USA. On their website, I had the option to set up an automatic debit for payments each month. This tool also allowed me to designate an additional dollar amount that would be drafted and applied toward principal. 

While perusing my online account after the initial draft was applied to my loan, I noticed that the additional payment amount has been applied toward my next month 's installment payment and not toward the principal balance. 

I am still in the process of resolving this issue with BMW Financial USA.
Product: Credit reporting

I am filing this complaint because XXXX ignored my request to provide me with the necessary document that their company has on file that was used to verify the accounts I disputed. Being that I have gone past the 30 day mark and can not verify theses accounts, under section611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Product: Credit card or prepaid card

I have an on line bank account with chime my social security checks are direct deposit in my spending account. They offered me their credit builder credit card I was told I put amount I want to spend on card and that's what's available but that not how it works I called them and I was told they took XXXX from my checking on XX/XX/XXXX so that was available to spend but then XX/XX/XXXX was a new statement so they took out of my money in credit builder because said I owed them because even though all my check was put in XXXX was new month took XXXX that I spent when my money was available. It is made to be confusing they took my money and I want to close account and I want my security deposit back it's my rent money and chime couldn't explain why other then month before I had put more money in but as a secured credit card that's not right I did not go over my limit I put money in to pay bills and they took money for bills 2 days after I put it in there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  says I owe the {$1800.00}!!! They report a balance due to Experian. 

I never had an account with them!!
Product: Mortgage

I want paper statements. Since starting this mortgage, I have called 3 times requesting monthly statement. They said in their system that they are sending me paper statements, but I have not received a paper statement. 
I called in XXXX of XXXX, XXXX of XXXX and today, XX/XX/XXXX. They continue to say I am set up for mailed statements, and I have not received one statement in the mail, except when I call and they send me back statements. 
They have records of my three calls, and each time they send me the back statements that I did not receive, but the system never sends statements. 
I want paper statements, I have always wanted paper statements, and I want them to fix the problem, recognize it is an issue, and correct the coding or whatever is causing the issue that I am not receiving the statements. 

This is a mortgage with my son, XXXX XXXX. The property address shows on the statement. Their system shows statements should be sent to my address : XXXX XXXX XXXX, XXXX VA XXXX. They have confirmed each time that their system shows to send the statements to XXXX XXXX. Neither address receives the statement. The statement should be mailed to XXXX XXXX XXXX, and that is what they have in their system.
Product: Credit reporting

XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX # XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX XXXX. 
First who am I dealing with? XXXX Bank Mortgage XXXX a division of XXXX Bank, XXXX. XXXX Exhibit A ) or XXXX BANK F.S.B. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX Website? 
2 XXXX ForeClosure redeemed XXXX Exhibit XXXX XXXX XXXX Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) Experian Remarks? 
In Regards to Question 3 Who was XXXX XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXX? 
Consent to publish the description of what happened? Consent providedSupporting documents ( A ) Loan Activity Detail XXXX XXXX ( XXXX ) ( B ) Screen Shot XXXX at XXXX ( XXXX ) ( C ) Screen Shot XXXX at XXXX.png ( XXXX )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has reported false information on all 3 credit reporting agencies on my credit reports the company has placed and sent my account to an collection agency on XX/XX/2021 to company called The Best Service Company I have payments receipts showing account payments made. The company stated to collection agency no payments were made on the account please investigate this matter. 

Thank you
Product: Debt collection

This company reached out to me and I was unavailable to talk. Later that afternoon, my father called me and said that someone called him looking for me and had used profane language and called him out of his name. I got the phone number from him and realized it was the same gentleman I'd spoken to earlier in the day. For awhile, there was no additional contact. I then realized they'd been calling my house phone but I am typically in meetings and do not answer. 

From there, I answered another call and requested that the company contact me via mail and stop usage of phone calls. The associate then got nasty with me. I told them I would be reporting them and then hung up. 

Today XXXX XX/XX/21 XXXX, I received another phone call and told the person on the phone that I would like them to stop calling me and hung up the phone. They immediately called back. 

This company uses abusive language, calls entirely too much, and had no business calling my father and cursing at him when they'd spoken to me.
Product: Student loan

My student loans are repayment and serviced by Navient. Earlier this month, I was late in paying. However I made a payment on XX/XX/2017. Yesterday ( XX/XX/XXXX ), both my mother and friend received letters in the mail from Navient stating that they needed to speak with me about the delinquent account. I never provided Navient with the names or contact information for either of them. Additionally, I never authorized Navient to contact anyone about me. This is an invasion of my privacy. They have no right to contact anyone about my personal financial matters. I demand that they stop this practice and remove any unauthorized information from their system.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX BANK XXXX XXXX XXXX inaccurate date of last activity ) XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX XXXX ( inaccurate date of last activity ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX FEDERAL XXXX XXXX XXXX ( inaccurate date last activity ) XXXXXXXX XXXX XXXX XXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX ( inaccurate date last activity ) XXXX XXXX  XXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity )
Product: Credit reporting or other personal consumer reports

I have contacted Sentry Credit Inc and have asked for them to provide me with the Purchase agreement of the alleged debt between me and " XXXX  XXXX '' they responded back with a lease agreement between me and " XXXX XXXXXXXX ''. Upon reviewing of the Lease Agreement " XXXX XXXX XXXX '' is named no where in the contract between me and " XXXX XXXXXXXX '' I have asked them to validate this debt and furnish the purchase agreement of the debt from " XXXX XXXXXXXX '' and the company has failed to do so in a timely manner. Further more the company is in violation of multiple TCPA violation 's and I am speaking to council on filing a class action lawsuit against them if my matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a letter last week from a credit collection bureau called United Legal Group ( ULG ) saying that I owed {$3300.00} to H and M Law Firm PC. It was Saturday that I read the letter, I thought someone might have stolen my identity and that's why I was receiving this letter because I have never received law services. On Monday I get a call from a number, It was from ULG and they called to tell me about the debt I owed. They asked a few questions to confirm my identity but they had my date of birth wrong, my email address wrong, and my middle name wrong. I told them I wasn't the person they were looking for and they said they would contact H and H Law Firm to let them know about this because I was clearly not the person they are looking for. They also asked about an address and a person which I told them I didn't know. They did have the last 4 numbers of my social security number ( SSN ) right and another address were I used to live was right. Today XX/XX/year> they called back and I thought it would be to tell me that they had the wrong person and I didn't owe this amount, but they told me the law firm confirmed my date of birth and now they had my correct date of birth ( DOB ), SSN, and email address. They told me I owed this amount and I said they were wrong because I've never required law services or been represented in a court room. They kept saying I would be sent to collections and my credit score would be affected, which scared me but at this point I realized it was a scam. I also asked if I could get in contact with the company and they said they were in charge of collecting the debt. I hung up and didn't give them more info but they already have my name, DOB, SSN, and email address. I was also sent an email with some links, I didn't click on the links but there was a PDF attached with my address and my name which has a wrong middle name. I've uploaded the PDF and a screenshot of the email I receive with a " business card '' of the person that called me, her name is supposedly XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only XXXX bank answered be in a ridiculous way, telling me that they dont understand what I want.
Product: Credit reporting or other personal consumer reports

I have been working with XXXX as my new XXXX  loan provider. Prior to them taking over from XXXX XXXX, I had always been on time with my payments. XXXX took over near the end of the pandemic and reached out to advise to me of that. Beyond that, I did not receive anything from them other than a monthly letter that I did not owe a balance due to the pausing on the XXXX  loans. Before the pause was supposed to end, I had attempted to reach out monthly to get in touch with them for manageable repayment options. This was prior to XX/XX/XXXX when I started doing my calls the first week of the month, but I did manage to call monthly from XX/XX/XXXX on, just not during the first week like now. XXXX 's phone lines were always busy and stated to call back later which yielded the same results during operating hours, and told me to call back when outside of their office hours. I was finally able to reach them in XXXX of XXXX and spoke to them about getting a different repayment amount and that I could get caught up with my past due as soon as they we able to confirm the new amount and allow me 3 months to get it paid back in full ( I have saved this amount so its ready to pay at anytime ). 
The repayment amount was never discussed with me prior to repayments starting back up and at that point, I was also sending letters to their return mailing provided with my statements asking them to reach out to me. I did receive what I think may have been calls from them, but they would cut out on the voicemail after 2 seconds of no sounds. I did manage to get an actually voicemail in XX/XX/XXXX and was playing phone tag with them as they called while I was working and did not answer my callbacks ( the line they provided was a main customer service line, not for the person handling my file ). 
I have at this time offered XXXX the amount past due in a full payment, which they did not take at this time and told me I would have to wait until they reached back out on the forbearance they put my loans in. 
I have completed my due diligence in reaching out, but XXXX has been unable to properly reach back out and provide assistance. Instead they have hurt my credit score by nearly XXXX points after spending the last 20 years building it so I could afford to get a home. I'm happy to not only pay my balance due, but a good faith payment of extra as well to get current and have this taken care of so my credit score can be restored to its pre-dinged amount. I did take the steps I needed to make sure I was paying on time, but fairly as well inline with my income. I'm also willing to withdraw this complaint as well if they are willing to get it resolved in that matter too. But I have little desire to have to rebuild something I worked hard for just because XXXX was unable to properly respond and get one of their customers taken care of.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with XXXX for failing to properly investigate and resolve a dispute regarding XXXXXXXX XXXX XXXX and eastern account systems. I would like these accounts removed from my credit report.
Product: Checking or savings account

Opened an checkings account with XXXX  on XX/XX/18. Afterwards I noticed I couldn't enroll on the online banking website, so I immediately contacted XXXX. XXXX  told me that I needed to speak to my personal banker because they said it was a block on my account to keep me from enrolling on online banking. I talked to my personal banker on XX/XX/18 and he told me that a company called XXXX XXXX XXXX  said they have me for check fraud and that XXXX  were going to enclosed my checkings account. Let me also add that I've never ever heard of this company nor have I ever did business with this company. My banker gave me the number to contact them. I contacted them and they told me I have check fraud with Bank of America on XX/XX/2018. Please help me. I've never been in a situation like this before and I feel like someone's trying to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about EMS Embrace, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX &XX/XX/XXXX19 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.