23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was trying to rent a property at the beginning of XXXX, but after paying the first month 's rent and deposit, I still had not recieved the keys. I was offered a refund, but was never actually sent the money. I was reassured by my bank that i was protected on wiretransfers and that i would be able to get my money back in the event it was indeed a scam. On XX/XX/XXXX, I filed a claim with my Wells Fargo bank for exactly that, expecting it to be an open and shut case. After a month of waiting and calling for updates, I had not recieved anything. On XX/XX/XXXX, another claim was created in hopes of escalating it. I did not hear anything on that either. Around XX/XX/XXXX, I finally spoke with a second level XXXX who emailed the claims department for escalation, filed another claim in XXXX separate departments, and notified me that the first initial claim was filed incorrectly. It is now XXXX, and I was facing eviction because I was relying on receiving my money weeks ago to pay it. I have been struggling since I moved in the middle of XXXX because I've been waiting for my {$3600.00} plus the wire transfer fees. I have now accrued {$380.00} in over draft fees that they have only paid {$140.00} back and tell me I'm liable for the rest. Despite being told by the second level XXXX that those would be reversed when the claim was resolved. XX/XX/XXXX, i called and complained to the XXXX office and the filed another claim and immediately assigned it. This was the only case XXXX to ever contact me for more information. As of XX/XX/XXXX, they resolved the claim and told me they could not get my money back without permission from the thief to take it from his account. Completely going against what I was promised by a wire transfer XXXX before I ever sent the money. I was told they would be liable for any overdrawn amount because the money wasn't their 's to steal. Now I am told there is nothing they can do because the money isnt there 3 months later. I was told when I first filed my claim, that it would take 10 business days for them to complete. Had they done that, the money may have still been there, but they also can't answer me when I tell them the scammer shared with me a certified letter from wells fargo that showed the money was flagged and pulled for suspicious activity so he no longer had it, they did. So now they made a profit and are unwilling to reverse charges. My account sits in the negative as I refuse to deposit anything, because this is their fault and I can not afford to pay an unnecessary debt and make ends meat. My family has had to go hungry and cold throughout this entire ordeal only to come out the other side worse off. If I did not have a support system to help with my bills, we would certainly have gone homeless.
Product: Credit card or prepaid card

I have a card issued by XXXX for post adoption subsidy through the Eppicard service. I recently just couldnt use my card. I cant check the balance, nothing. I was referred to the fraud department and have not heard anything for a week. I have waited on hold for over an hour and still am unable to reach anyone to resolve this issue. There should be someone to help with issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report asap that has been invalid only credit report. please review an delete the info listed. my credit profile is not accurate on all 3 platforms. this has been an ongoing issue that needs action taken to delete all information listed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX Veteran, me, was not late with any mortgage payments prior to entering XXXX XXXX XXXX Forbearance program and prior to my loan being transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX insist on reporting negative information even though I have provided proof. Too XXXX XXXX XXXX XXXX persist on reporting the Department XXXXf Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXX XXXX XXXX will not follow the laws and rules. 

It is obvious to me that XXXX XXXX XXXX XXXX does not care to follow the forbearance rules and blatantly does not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX XXXX XXXX has proven that it plans to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX XXXX XXXX  is not fair to Veterans and it is not a Veteran-friendly mortgage servicer. 

My date of last activity for mortgage payments was paid to XXXX XXXX XXXX on XXXX XX/XX/2020. Please see the attached XXXX XXXX XXXX payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract. 

Moreover, XXXX and XXXX XXXX XXXX forbearance policies informs that there will not be any negative reporting. XXXX XXXX XXXX XXXX is also in direct violation of our federal governments forbearance policies. XXXX XXXX XXXX XXXX unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus. 


From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove NOT MORE THAN XXXX PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/2020. 

Please remove XXXX XXXX XXXX : {$19000.00}. 

Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}.
Product: Debt collection

The amount in which Transworld collections was trying to collect was part of of a workmancomp injury claim that XXXX XXXX should have waited untill XXXX finish their claims adjustments. I kept telling XXXX and Transworld that i wasnt leaible for XXXX claims. Finally after 1 year of paying onother XXXX 's accounts related to the account. After i had proved that the railroad claims weren't my responible they adjusted the acount. I ask for my acount to be removed from my collections report they refuse to cooperate. All accounts with Transworld are pd in full. The strange thing about this .The other 2 bureaus XXXX  . And XXXX  removed transworld accounts XXXX  didn't. What should i do to get XXXX  to remove this pd negative collections.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding my credit report. XXXX consistently responds within 24 hrs. stating that the account is accurate without providing evidence of a proper and thorough investigation of dispute. this practice violates the fair credit reporting act { FCRA } 15 U.S.C. 1681i, that mandates responsible investigations of disputes. XXXX actions may also violate financial protection act 12 u.s.c 5536 [ a1 ] -b as highlighted in the CFPB 's recent administrative proceeding file # XXXX against them for the same practice I ask that CFPB ensures XXXX complies with federal law with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative  information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.
Product: Student loan

On XX/XX/2019, my bank sent University Accounting Services the payment due on XX/XX/2019. Documentation indicates it was received by UAS on XX/XX/2019. 

UAS sent a report to the credit bureaus indicating that I had missed my XXXX payment. My credit score dropped 140 points. 

I contacted UAS by internal website messaging and by phone. I also submitted a dispute form to XXXX XXXX regarding this issue. 

The customer service agent at UAS insists that the payment received on XX/XX/XXXX was payment due on XX/XX/XXXX. I told her that this was incorrect. I have documentation from my bank showing all payments were sent two weeks ahead of the due dates to insure proper time for application.

She has sent my account to an accounting specialist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, Equifax or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. 

XXXX is governed by 15 USC 1681 and have continued to violate my rights, XXXX received notification in XXXX via FTC report of misreported information and all supporting documentation in regards to XXXX XXXX XXXX This company also has received action by CFPB for their fraudulent practices and misreporting of consumer information. XXXX continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX XXXX XXXX in the amount of {$1900.00} that is misreported on my file. This account XXXX XXXX XXXX must be removed from my Credit report and XXXX held financially accountable for their false reporting of information.

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX XXXX Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Product: Credit card or prepaid card

On XX/XX/2022, I booked a flight from XXXX, XXXX to XXXX, XXXX using the Capital One XXXX XXXX associated with my Capital One XXXX XXXX card. The cost of the flight was {$260.00} and my Capital One confirmation number for this reservation was XXXX. As part of this reservation, I received a benefit that if the price of the flight dropped within 10 days after my purchase, I would be refunded by Capital One for up to {$50.00} of the price drop amount. 

On XX/XX/2022, after daily review of the Capital One XXXX XXXX travel portal, I noticed that the price of my flight had dropped to {$220.00}. I took a screenshot for my records and awaited a refund of my flight as the price drop terms applied to my purchase. A copy of this screenshot is attached to this complaint. 

On XX/XX/2022, after the completion of the trip and 10 day price drop period, I reviewed my account details and noticed that no refund had been provided to my Capital One XXXX XXXX card. I proceeded to call the Capital One XXXX team for assistance. They advised that they did not have any records of the price drop and were unable to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX ( XXXX ) that is showing on my experian credit report. I have sent validation and verification letters to both experian and XXXX XXXX requesting to show proof that this account is mine multiple times and neither company has done so. That account was put in my name without my consent and I am a victim of identity theft. I have filed a police report for fraud and even sent that to experian and they still will not remove this account from my credit. This is illegal if the credit bureaus can not proof to me this account is mine they must delete it. It is extremely hurting my credit worthiness and hindering from obtaining the credit I would like to get now.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I attended a private vocational school called XXXX College in XXXX and XXXX and was encouraged to have my parents cosign on private loans to pay for living expenses. I was never told that if something happened and I had to drop out of school, I would have no recourse for discharging the loans. In XXXX I had a XXXX XXXX XXXX crisis and had to leave XXXX College. Ever since, they have still held myself and my parents responsible for loans on a program that I was never able to complete due to XXXX. My parents have been paying the loan ever since as I was unable to pay myself and they did not want their credit affected negatively by the loan. I recently called Navient to try and work out a lower payment so I could take this on myself or remove my parents as cosigners and was told that I had no options. I am actually a Public Servant now and Navient told me I could not use the Public Service Loan Forgiveness program for these loans either. To date, they have offered me no flexibility in repaying the loans for a program that I was not able to complete. Please respond and let me know if there are any options I can pursue. I am considering bankruptcy and since I do not want my bankruptcy to affect my parents, I can not include these loans in the bankruptcy.
Product: Debt collection

On XX/XX/XXXX @ XXXX XXXX, I received a phone call from XXXX in regards to a debt that I know I owe. I informed the representative that I had received a text message from the company Check into Cash offering to settle the account. The representative said thats not something that they do. I requested that she put me on the do not call list and informed her not to contact me anymore. On XX/XX/XXXX, I received a call from XXXX @ XXXX XXXX. Once the representative stated where she was calling from, I immediately informed her that I requested on XX/XX/XXXX to be put on the do not call list. The representative continued to ask me why and she stated that they do not have a list they put customers number on who request not to be called.
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 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 investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings inidicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

This account was open in XX/XX/XXXX and the last year of activity was XX/XX/XXXX. XXXX XXXX is providing false and misleading information to credit bureau stating that this is a new account. I have requested a signed contract and a bill of sell from XXXX XXXX ( Information has never been received ). The account was not reviewed by the collector or the credit bureau. As a consumer it is my right that items on my credit report be correct. I also have right to proof of sell to XXXX and permission before my private information is sold to an unknown collector. It is the credit bureau responsible to investigate and make sure credit information correct. I know that my claim has not been investigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that EQUIFAX INFORMATION SERVICES LLC immediately cease reporting the alleged debt from XXXX XXXX XXXX XXXX XXXX on my consumer credit report. An alleged account that is already being clarified to cease, closed, and terminated collection action on this alleged account from XXXX XXXX.
Product: Debt collection

Bull City Financial sent me a bill from XXXX XXXX in the amount of {$950.00}. The problem is the bill only states that I owe for XXXX. I have no information on the bill of what it is I am paying for. It doesnt tell me what services I received or anything. I have written them certified letters on XX/XX/22 and XX/XX/22 requesting that they send me the information on what it is they are asking me to pay for. So far Ive received nothing. This has destroyed my credit I had a XXXX credit score before and now it is a XXXX. This company is asking me to pay for something that they refuse to tell me what service I received in return.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding late payments on my credit record. During a review of my credit file, I identified these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and adequate validation has not been provided. I'm requesting your help to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Property that I own at XXXX XXXX XXXX, XXXX  XXXX TX XXXX is a single-family residence and is currently being reported as an apartment that is incorrect and has not been updated even though I filed several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was Modified XXXX of last year, the new servicer began reporting my loan past due and updated my payment history to show me as past due. They claim the modification is still pending 14 months later. Also they claim they are selling my loan to an investor from USDA to a private investor and this is why it's causing a delay.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I got scammed {$1200.00} from the person called XXXX XXXX in my Associated Bank account. 

After reporting and disputing with associated bank for this scam and fraudulent activity, they refused to either reverse the transaction or refund the money back to my banking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a small XXXX  collection account on my credit report. I lived in NY at the time it occurred. In NY collections fall off after 5yrs.

Equifax is arguing that because I moved it reset the clock. I confirmed with a credit law firm that the statute of limitations remains in the state where the debt occurred and can not reset to the new state.

I have also recently read that all three credit bureaus are going to delete all XXXX collections under {$500.00} in XXXX. My collection was both under {$500.00} and due to fall off in XXXX. I requested early exclusion and was vehemently argued with that they intended to keep it on my report an additional 2yrs! Beyond not following rules they are abusing power and using intimidation to harm people financially.
Product: Credit reporting

i disputed inquiries with Transuion to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Transuion several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!