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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to XXXX, XXXX, and Experian to remove incorrect information on the dates ( XX/XX/year> and XX/XX/year> ). I havent received any information regarding these disputes. I have asked for them in writing and i have not received any information at all.
Product: Mortgage

In XXXX of 2012, my house was sold out from under me by Alessi & Koenig Collection agency for XXXX in an HOA foreclosure.. This was done in violation of the FDCPA and against my constitutional rights. I had already made a payment arrangement with this company ( they had added on over {$2000.00} in additional fees for a debt that was originally around {$380.00} ) and remained in communication with them. I was also a few days away from a short sale approval on the property. They sold the property anyway ; leaving me with a mortgage of {$230000.00} for which I receive a statement every month. With no final communication apprising me of the actual date, the property was sold at an auction held in their offices with no recourse left to me. The home has been rented out for over three years and the assessments to the HOA are still not being paid, which was the reason they claimed the right to the house in the first place. I have attached emails with written confirmation of the payment arrangement I made with XXXX XXXX XXXX, who I was working with. I found out later that she had left the company in the interim and no one else would ever answer my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I had sent letters to XXXX, XXXX and XXXX, Regarding " Fedloans '' and US Department of Education. '' in my letter I explained to them that base on the FCRA AND FACTA guidelines, they are in violation of my rights to " accurrate and fair reporting. '' They are showing duplicate accounts that have derogatory reporting. I have asked them twice to correct/remove this inaccuracy, they have yet to do so as of XX/XX/2021.
Product: Credit card or prepaid card

I bought a gift card for my friend on XX/XX/2022 as a thank you, he has {$300.00}, and I registered in my name for safety, my friend lives in California, he used this The gift card was tied to his XXXX and spent on online shopping, but XXXX returned the money to the card on XX/XX/XXXX. My friend and I decided to lock the account of this card in order to keep this The card will be used at the XXXX XXXX XXXX XXXX party, but earlier this month I found out that the card was stolen the day after XXXX refunded the money, at a restaurant in Washington, I had no idea, because the registration information in this account It is mine, and I have locked the account. I must verify my name and address to unlock it. Why would it be stolen? I can't accept it. I called customer service and they didn't solve it for me at all. I asked to unlock the gift card account. They said they could only send me the remaining few cents in it. It's ridiculous. My {$300.00} is in the account. Locked and used by someone in far away Washington, why not be responsible for the safety of customers ' funds? Need to claim, hope to get help
Product: Checking or savings account

I am having a new truist personal checking account. For the last 10 days I am trying to get online access for it. 
When doing it online- it ask the most weird and complex questions - what was the license plate of your car which you owned more than 2 decades back. Seriously - I don't own that car any more and i don't remember that. 
upon chatting - chat is shamefully asking me to call their toll free #. 
Calling toll free # - i called on XX/XX/2023, first time the rude customer service person disconnected. Next time - person couldn't help. Asked to be transferred to supervisor. But call is getting disconnected while i am waiting to be connected to the supervisor.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : XXXX XXXX XXXX Account # : XXXXXXXX XXXXAccount # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX Experian 's failure to properly investigate my dispute mirrors the issues highlighted in the recent CFPB action against Experian for conducting sham investigations of credit report errors. According to a report from the Consumer Financial Protection Bureau ( CFPB ), Experian engaged in practices that violated the Fair Credit Reporting Act by not properly investigating consumer disputes, providing inaccurate results, and allowing errors to persist on credit reports. This harmful behavior significantly affected consumers like me, and it is a violation of my rights as outlined under the FCRA. You can find more information regarding this issue in the CFPB 's lawsuit against Experian. 

Attached to this complaint is a dispute letter that I sent to Experian on XX/XX/year>, which is dated and time-stamped. Despite this, Experian has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim.
Product: Consumer Loan

All of a sudden they have quit taking calls and e mails and will not offer any assistance.  They have another company doing there billing now but not services.  I am being charged XXXX points over the intrest rate I signed for.  I asked to have my loan refinaced for a lower intrest rate and they can not do it at this time because of money issues????? I call XXXX number and get someone on a cell phone...
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX charged me multiple times in total {$88.00} on XXXX XXXX. ( Morning ). I called Wells Fargo when I got the notification message and they closed my card and replaced it. ( I received the card few days later ) On XXXX XXXX, Wells Fargo mail me a letter states that I denied my claim and the claim was considered closed. However, I didn't authorize those transactions, It's rediculous as I really did nothing and even don't know who used my card! 

I called back to Wells Fargo but they said there is nothing they can do. I'm so frustrated with their poor investigation ability. Could you please help me with this please?
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 their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have incorrect addresses and names on my report. 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 Please remove these addresses and name from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX services XXXX I did not make this inquiry. 

XXXX XXXX SERVICE  ON XXXX I did not make this inquiry Syncb XXXX XXXX  on XXXXXXXX  I did not make this inquiry Syncb Sam XXXX XXXX XXXX  on XXXXXXXX  I did not make this inquiry XXXX XXXX XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
Product: Checking or savings account

I received targeted Citi advertisement for opening a new checking account that indicated I would receive a bonus of XXXX XXXX XXXX miles if I completed the following : 1. Open a new checking account in the Citi Priority Account Package by XX/XX/XXXX ; 2. Spend {$750.00} in purchases using my Citibank Debit Card within 60 days ; and 3. Make 1 qualifying bill payment for 2 consecutive months within the same 60-day period.

Based on this advertised information, I proceeded to open a new checking account and began making purchases with it as of XX/XX/XXXX. I then met the requirement to spend {$750.00} dollars using my debit card and made 2 consecutive months of bill payments for my electricity bill. Then, over the course of the next few months, I contacted Citi about the pending bonus. In my communication via chat/messaging with Citi, I was informed on three separate occasions that I had met all the requirements but simply needed to wait for my bonus miles to post. Yet, the bonus had not posted after significant time passed. So, I contacted Citi for the fourth time to inquire about it and this was when I was informed that previous representatives had misinformed me - I did not in fact meet all the qualifications because the 2 consecutive months of bill payments that I made did not qualify since they were not made directly form the Citi website or mobile app. 

Citi 's practices and communication in this regard are unfair and deceptive per the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. They are unfair because they resulted in substantial harm by withholding XXXX XXXX XXXX miles that was not reasonably avoidable. They are deceptive because material terms regarding the account were misrepresented initially and after account opening.
Product: Student loan

I 've tried several time to renegotiate the terms and conditions of my payment plan to LOWER my monthly payments based on my income. The offers that the company has extended would offer be well out of my budget based on other financial and medical obligations over the years, forcing me to place my loan into Forbarance/Derferment all the while it increasing the total of the loan because of the interest that builds. As an XXXX I 've been told about forgiveness programs that I 've applied for only to been denied. I 've tried everything that I can and would like assistance with this matter because I feel like my case has been wrongly handled according to the federal law that was passed back in XX/XX/2009. 

Thank you for your time and this opportunity to review my case
Product: Mortgage

I applied for a refinance mortgage with cross country mortgage in XX/XX/XXXXof 2019 and it is the last week of XX/XX/XXXXand I still do not have an answer about my account, I have tried contacting the company and they refuse to take a phone call and or answer an email, I have since switched financial companies and they have contacted cross country mortgage to get my account numbers and everything switched into there name as so far they have refused to do so.
Product: Credit card or prepaid card

When I log onto my Bank of America account, I can see in large, red and bold letters " 0.00 % promotional APR until   XXXX   XXXX   ''. This text is displayed immediately next to my balance details and this led me to believe I was under a promotional period until   XXXX   XXXX   XXXX  there is also smaller fine print that reads " on balance transfers completed by   XXXX   XXXX   XXXX   '' however, I did n't realize this was a NEW promotion. I thought this information pertained to my current account. Therefore, I was surprised to see interest fees on my  XXXX  statement. Apparently, my promotional period had ended the previous month. I was not alerted, reminded or informed the 19.74 % interest rate would begin. Otherwise, I would have paid off the balance in full to avoid paying the interest.   I tried calling customer service yesterday. I asked if the interest fees could be waived as a courtesy but my request was denied.   Since then, I 've submitted a payment for the remaining balance in full ( except for the inter est fees ).  as soon as the payment clears, I 'm going to close my BofA Checking and " Keep the  Change '' Savings a ccounts. i 'm also going to close this credit card account.   I have checking accounts with  XXXX  and  XXXX  and I have plenty of other credit cards to choose from. I refuse to do business with  BofA b ecause I believe the way they display promotions is misleading. I have attached a screen capture of the display and you can clearly see how I was misled into believing the 0 % promotional period was until   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

Transunion is reporting a fraudulent account from XXXX XXXX on my credit report. On XXXX XXXX, 2024, I demanded validation of this debt, made according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( 8 ) ( FDCPA ), along with the corresponding federal, state, and state laws. 

TransUnion did not conduct a proper investigation or thoroughly validate the information provided by XXXX. They only responded that it was a valid debt. This is impossible as this account was not opened by me or authorized by me to be opened. 

On XXXX XXXX, 2024, I sent a method of verification letter to Transunion per the FCRA section 611 and demanded items to validate the debt. Transunion provided no validation and or proof that this debt is mine.
Product: Debt collection

The company representative that contacted me via phone regarding the damage check was rude during both calls and hung up in my face on the XXXX call. I asked her twice to contact me after work hours because I can not answer my phone. She harasses me by contacting me during my work hours and I am never able to answer. I took her call once during a meeting and told her I was in a meeting. This is the XXXX call where she hung up in my face. I am being treated like this because Im XXXX. 

During the first call she accused me of living about the body shop being real and about having damage to my vehicle. Never been treated this way in my life. I dont know who her supervisor is so I cant complain. 

Please locate her superior so I can make a formal complaint. I do not have her name, I dont believe it was given. Also, I was not given a direct contact number. Just the number for the bankruptcy auto department payment line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of town for several months and while away on XX/XX/XXXX my son applied online for a navy federal car loan in my name. This application was 100 % unauthorized and I would like the inquiry removed from my credit report.
Product: Student loan

I received my new disclosure and was Approved by case teams a Second Time.

The school and the Servicer is still refusing to give me my loan even after it was approved again this Friday. They are illegally denying me my federal aid under federal aid programs after, receiving my 2nd Approval again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly I never opened this Capital One credit card number that claims i opened it in XX/XX/2018, which is not correct because I have never associated with a credit, now my own credit union will not even let me open a checking account with them because of this fraudulent account that messing my credit score up not to mention the 36 credit inquiries. I have only made 4 different credit inquiries with 3 different banks which are XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and they all declined me because of all this mess!! I am so sick and tired of all this mess. I'm only a beginner credit score person. I don't need all this horrible mess that I have been having to deal with.
Product: Credit reporting or other personal consumer reports

IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. 

I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows : 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 I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. 
One is Navient who said they sold to Aid Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXXXXXX  Balance {$3900.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 NAVIENT LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023