23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My identity was stolen along with my XXXX benefits card. The individual who gained access to my information not only collected and spent my benefits but also had filed a claim that was approved. Those funds were also spent by the individual who had my information. I have brought it to the attention of Bank of America and have provided what I feel is more than necessary of a consumer to provide. I have submitted proof of not even being in California when these transactions occurred. The proof isn't was a notarized affidavit from my employer stating the location of my work in that time from being out of state, paystub copies show my out of state address. car rental receipt from the location I was in, as well as my temporary housing lease in that state. In addition I have also sent copies of my birth certificate, social security card, State identification card and recent photos of myself depicting that I in fact do not have any tattoos on my body. Furthermore I have submitted the multiple police reports filed with my local police department, my identity theft report I filed, letters stating the issue as well as the remedy I seek, cfpb complaints, and a identity affidavit showing the police department had contacted and had arrested an individual found with letters, debit cards, and other mail from Bank of America in their possession. Lastly I sent them a picture of an id card that had been altered with my information but contained someone else 's picture. I am once again stating that I did not make any of these charges or transfers and I have never given authorization to do so. 
This is for the account ending in XXXX {$12000.00} This is for the account ending in XXXX {$17000.00}
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 U Account Name : 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: Debt collection

This is not my debt I never done business with qualia collections services and I never received a letter, email, or phone call from them stating this debt and I will like for this debt to be removed from all 3 credit bureau and tenant screening
Product: Student loan

When I enrolled in XXXX XXXX XXXX I was promised job security and placement upon XXXX and I was told that whatever federal loans did not cover towards my tuition I would be provided grants to pay for the rest. I found out later that I had a loan from genesis lending. I have no job to repay this loan and on top of that I told them when I signed up that I was an XXXX and they assured me that would not affect my ability to get a job but I have since found out that I can not get these jobs because I have felonies. I never signed or agreed for a genesis loan and the worst part is while I was in school I thought I was paying my federal loan when really it was a loan from genesis which is not a federal loan like I was told but a private loan at a very high interest rate. XXXX college closed and now wyotech will no help me since no longer associated with XXXX colleges. I can no long get my transcripts either.
Product: Credit card or prepaid card

I bought an XXXX XXXX from XXXX online using my paypal credit account, in XX/XX/XXXX week XXXX. I recieved the unit and let them know that I was skeptical about the quality and useability of the XXXX. I reached out to XXXX and they said ok and agreed to refund the payment. to paypal. I went on paypal website and filed a dispute claim to get the charges off of the account. I submitted all of the required email traffic and paypal reverse the charges initially but a month later they refiled the charges saying the merchant had disputed the charges. I called paypal and they said I needed to submit another disagreement. So i refiled all the same email traffic, i have no confidence that these people are going to do what they say, just trying to hope I forget. I have the email from XXXX saying refund will be done in 5 to 7 days.
Product: Mortgage

Called Mr Cooper loss mitigation on XX/XX/2024 to request payment Deferral to resolve my 12 month missed payment. My investor should be XXXX XXXX or XXXX XXXX. The qualifying event based on FEMA website is XXXX. It was declared major disaster area and qualifies for individual assistance. Based on investor guidelines I qualify for 12 months mortgage deferral. At the time of my complaint Its been 26 days still resolution on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX
Product: Credit card or prepaid card

I have one XXXX XXXX Account ending in XXXX. I opened this account in XXXX, and it has been the only account I have used since XXXX. I access my account with the Amazon XXXX. I have never picked from an account, the auto payments and every payment made outside of the autopayments have brought up my active account in XXXX XXXX until XXXX. I was unaware the closed account from XXXX or XXXX was still located as an account in Amazon to use for payment. 
The following does not sit well with me : 1. Why out of nowhere is another account being used for an XXXX and XXXX payment when years prior, the active account always popped up, and there were no issues in payment? ( 2 payments and no notice there was an issue ) 2. Why was there no notice that the payment had issues? I see the emails showing I made a payment outside of autopay. No email with a subject line indicating a payment could not be processed was sent. No text, phone call, email, letter, or internal message asking for a valid form of payment or informing me there was an issue.

3. I never received a letter telling me my account was closed.

4. I never received anything to tell me there was an issue with the first payment that suddenly drew from the closed account.

5. There is no appeal process to explain that I did not intentionally pay from a closed account. My history does not suggest that this is an issue with me. No other Synchrony Bank cards I have with you have anything similar. I autopay and submit extra payments-no issues until only Amazon and recently.
6. No phone call or text. I am surprised that the system did not generate an auto call or that a person did not call.

7. I think there was a glitch in the system with an update that brought up an old account from XXXX. But this has serious ramifications for my credit and potential security clearance and I am not given an opportunity to fix it before my account was closed for risk.
Product: Credit card or prepaid card

I was charged {$300.00} from XXXXXXXX XXXX XXXX and after receiving leads the leads were not leads!! I attempted to contact a few of the names and was unable to reach leads, but there was two or three that I was able to reach and was to that they were on line looking into XXXX but did not ask for any information at this time. I complained to XXXX 's and they did credit me for a couple of the leads but refused to do so for the other names that I had asked to be credited I was told I reached the limit. I asked to refund my money since I was not able to talk to ANY prospective buyers. Iwas told that i was not able since I was over the 72-hour cancelation window. 
I then put a call into Barclays ( my credit card provider ) to file a complaint, they suspendered the charge at the time, but upon their investigation then found in the merchant 's favor. I again reach out to Barclays I reached the dispute department but was told that since they had found in the favor of the merchant, and they could not do anything more. I explained that what the merchant told me was not what I received, and I am not paying for fraudulent agreement. I was told to mail the complaint to Barclys ( since I was not allowed to talk to a supervisor ) I can only send a letter of which I did. I should not be responsible for a service that is not what I agreed on. I am asking that some can help me resolve this issue on my behalf.
Product: Checking or savings account

On saturday XX/XX/2022, I submitted a check i received from a trusted person. The amount totaling XXXX. Huntington bank held it, put a hold on my account and as of XX/XX/2022, my account is closing and the Huntington is sending the check back. The trusted person 's check was certified and he is very upset about it, as am I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis by phone, in XX/XX/2022, regarding 8 inaccurate XXXX XXXX claims records they have attached to my consumer record. These inaccurate records caused my auto insurance premiums to increase by 150 %. 

Nexis Lexis initiated their dispute process and informed me they would respond within 30 days, which they did on XX/XX/2022. Their " investigation '' process determined the claims to be accurate and have not removed them from my record. They also furnished me with a full copy of my record which I then analyzed it myself and found no less than : - XXXX incorrect Identification Records- XXXX incorrect Address Records- XXXX incorrect Insurance Policy Records - XXXX incorrect XXXX XXXX - XXXX incorrect Auto Insurance Claim Records All the errors in my record seem to involve an individual, by my same name - XXXX XXXX, who lives in XXXX  and is a XXXX XXXX. I have never lived in XXXX  or held a drivers license in that state. I have lived in XXXX  my entire life and have only held a XXXX  drivers license. 

I honestly have no idea how anyone at LexisNexis who read the report, that they supplied, could not see the sheer volume and scope of errors, discrepancies and inconsistencies throughout my record. I was mortified and it was clear to me that no one actually looked at my record to determine what was happening. 

This is important personal information that effects all aspects my financial life and employment, etc, and it needs to be corrected ASAP. 

Thank you for your assistance in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

During this Covid-19 pandemic I have been unable to make a payment on my preferred credit account as my wife lost her job and my income was hit hard. They said that wouldnt be an issue and then whenever I got some money I paid the entire balance off but they reported a missed payment for 90 days which really hurts my credit. I have never missed a payment and have always had 100 % payment history on all my accounts. I would really like to get this removed and to show that I still have 100 % payment history. I think its really unfair and a really bad look to report something like that during a pandemic and a crisis that most everyone has suffered.
Product: Debt collection

I have been a victim of Identity theft since XXXX and my personal information was used by someone else to open more than 9 credit card accounts. I found out about this issue in XX/XX/XXXX, filed a police report and imposed credit freeze. Nearly all of the fraudulent accounts opened under my name using an address in California. I've never lived in California and my only address from XX/XX/XXXX to XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX KS XXXX. So far I've successfully removed most of the fraudulent accounts from my credit report by filing disputes through the credit bureaus. I'v also filed dispute with FORTIVA XXXX XXXX XXXX XXXX XXXX GA XXXX, but they kept asking for payments even after I sent docs including police report and my DL to prove that I am an ID theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to check my XXXX XXXX report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.XXXX XXXXXXXX XXXX in the amount of {$22000.00} 2.transworld systems in the amount of {$1100.00} 3.XXXX XXXX XXXX XXXX in the amount of {$1100.00} 4.XXXX XXXX in the amount of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that OCWEN Loan Servicing is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from OCWEN Loan Servicing because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If OCWEN Loan Servicing refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX WAS PAID IN FULL THEY ARE STILL REPORTING I OWE {$4400.00} IT WAS PAID WHEN ACCOUNT WAS CLOSED
Product: Mortgage

RE : Loan Number XXXX This will be the third time since XXXX that I am having an issue with Loancare. I sent them 2 payments in the past that they never applied to my balance. It was a payment that was set up with my bank, XXXX, via automatic monthly payments. Apparently when my servicing changed, my loan number did and the wrong loan number was on the checks. I called Loancare to try to locate the funds and resolve it by sending them a " proof of payment '' from my bank. I got no response for weeks so I set up 2 complaints through CFPB. 

Because I have had so many problems paying this way, I thought I would attempt to set up an ACH payment using their website. According to their site, I could not set it up ( error message ), so I went back to my banking site and set up a new auto payment coming from XXXX ( with the corrected loan number ). Well, apparently, they got my routing number and account number during my attempt to set up on their site and they pulled the funds from my account on XXXX. XXXX sent a check for my mortgage on XX/XX/30. So now they have 2 payments for my XX/XX/XXXX mortgage payment. 

I am on the phone now with XXXX now filing a claim and cancelling the ACH but it is costing me {$30.00} that I would like returned to me from Loancare. I don't understand how they could pull funds from my account when I never got any confirmation that I was 100 % set up from their site or even via email. Clearly the site is a mess.
Product: Credit card or prepaid card

This JPMCB CARD XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

JPMCB CARD XXXX
Product: Checking or savings account

on XX/XX/XXXX, I deposited a check from XXXX XXXX XXXX XXXX for {$3000.00} to my personal USAA checking account. After I had submitted the deposit, I was told that my funds would not be available until XX/XX/XXXX in violation of Regulation CC which requires that a deposit is held for no more than 3 days. Additionally in further violation, USAA did not make the first {$200.00} available on the next day of deposit or the second {$600.00} on the second business day. 

Conversations with customer service rep were unable to request an early release and the only relief offered was for me to call back in 3 days and request an early release, where I MIGHT have access to my deposited funds. I have had this account for over XXXX  years so the new account hold does not apply to my account, however that is the hold they are applying. My account also does not fall into exception holds were the account has been withdrawn for XXXX business days out of the XXXX months or withdrawn over $ XXXX for XXXX business days. 

I deposited this money to pay my mortgage and because of the unlawful application of these hold, I will be late on my mortgage payment and incur late fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as provided under my rights established by the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to 15 u.s code 1681o, which establishes that credit reporting agencies are liable for damages resulting from negligent noncompliance with their obligations under the Act. Upon reviewing my credit report, I noticed the following inaccuracies, inquiries and close accounts. These inaccuracies are adversely affecting my credit profile and financial standing. As required by the FCRA, I request that you remove all collections and close accounts. Please confirm receipt of this letter and provide me with updates regarding the investigation and resolution of my dispute. I expect a full response within 30 days, as mandated by the FCRA
Product: Debt collection

I previously wrote the following Creditor Transfinancial Companies to validate a debt they stated I owned them. Dated XXXX XXXX, Transfinancial Companies sent me my Medical Treatment Record Account from XXXX XXXX XXXX in the amount of {$1900.00} on the Treatment date of XX/XX/2020 for " CRITICAL CARE FIRST HOUR. '' On my patient service bill it states that " These charges are for the services rendered by the emergency dept physician at XXXX XXXX XXXX XXXX. '' I know that this is a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Transfinancial Companies to have access to my information.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Credit reporting or other personal consumer reports

This is really worrying, it has kept me up many nights due to anxiety wondering how this could have happened. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized or applied to them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting or other personal consumer reports

In XXXX, I created an account with Equifax in order to freeze my credit. When I tried to log in, I received an error message " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. XXXX ( XXXX ). '' When I called, they could not verify my information and would not let me speak to a representative. I confirmed my social security number, address, phone number, etc. They also asked about items on my credit report, none of which matched my information, so I responded accordingly. Since they could not verify my identity, they would not let me speak with customer service. I am completely locked out of my account. Additionally, the last time I called customer service, I was on hold for 90 minutes. This is not a reasonable amount of time to wait to access a credit bureau.