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

The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " Equifax has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and Equifax comes to the same final conclusion and outcome as did XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a hard inquiry from CNBA that occurred on XX/XX/XXXX. I had applied for a citi credit card back in XX/XX/XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XX/XX/XXXX.
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 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 breach of security in my personal information. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I feel on hard times during Covid, I got behind on my car payment and in lieu of having my car repossessed I agreed to their settlement. I paid that in the bank, I still continued to get a bill. After many calls and different responses I finally received a letter releasing the lien. But the bank still shows that I owe them money?? Why would they release the lien if I still owe them money?
Product: Debt collection

I have been disputing with GLA Collections for several months to verify the debt they are claiming I owe on past XXXX XXXX. The dates of service are as follows : XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX Since my first dispute, I have yet to receive any contracts or explanations of debt bearing my signature, certifying I owe this debt. I have since filed complaints with the police and FTC in conjunction with their unwillingness to cooperate. I demand that the derogatory items be removed from my credit reports with all XXXX bureaus, due to failure to comply with my ongoing requests.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX were still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

The submitting identification and Address verification documents from XXXX complaints on XXXX/XXXX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inquiries on my account I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I noticed some inaccurate information on my credit report. I reach out to all 3 bureaus ( EQUIFAX, XXXX, AND XXXX XXXX these inaccurate accounts. They said they was gone investigate the matter and notify me with a result of the matter.
Product: Debt collection

I sold a smart phone through XXXX. I did this because XXXX offered me a {$40.00} account credit. After selling the phone, my account was never credited and I was charged a {$31.00} listing fee. I disputed this with XXXX multiple times but they would not credit my account and charged my XXXX account for the {$31.00} listing fee. I disputed this transaction with my credit union and provided them documentation which showed I should have received a {$40.00} account credit and that I did not owe XXXX the money. The credit union was in favor of me and I did not have to pay. I have now received two letters from two different collection agencies attempting to collect a {$31.00} charge. I have sent two dispute letters back to them. XXXX keeps hiring different collection agencies to try to collect the balance that I do not owe them and that my credit union agrees I do not owe them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text alert from Chase bank who I bank with. It read that there was a wire transfer and wanting to know if I authorized it. I said no and then Chase replied with they would call me to fix it. They called me right away and had all my account information. They said there was someone in XXXX using my bank card and making wire transfers. They stated I needed a new bank card and they would be fixing this but also noticed my husband is on the Account so they had to call him and talk to him as well. They did call him to take care of things on that end. After waiting several days for a new bank card we called the bank to find out what was taking so long. They had no record of any of this so then we knew something bad happened. My husband found in his junk mail emails where the people who claimed they were Chase transferred money from our account into a XXXX account and XXXX XXXX account. They created accounts in our names except they werent actually us. So it looks like we transferred money to each other except these werent accounts created by us. They ended up taking almost {$4000.00} from us and Chase will not help us at all. I am blaming Chase because obviously their security is very lacking. These people did such a good job acting like they were chase bank. They literally had all of our information and my husband nor I had to give them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 4 fraud lent account shows on XXXX that not supposed to be on my report I have disputed all the related accounts twice but they didnt remove them 1. Affirm INC XXXX 2. Affirm INC XXXX XXXX. Affirm INC XXXX XXXX. Affirm INC XXXX
Product: Credit card

In XX/XX/2023, we requested the account be closed. This card belonged to an associate that separated from the company. The card was shredded and no one had access to this card or the account information. There was fraud on the account in XXXX ( XXXX purchases totaling {$1300.00} for charges in these amounts {$120.00} {$64.00} {$170.00} {$74.00} {$360.00} {$520.00} ) as the account was never closed. When the fraud was reported in XXXX, the Truist associate stated that they were reversing the charges while under investigation, and not to pay any of the balance due as the entire statement balance was under fraud investigation. They stated that the next billing cycle I would receive the statement with a {$0.00} balance. I followed their instructions and made no payment on the fraudulent activity. Now we have been charged late fees and are getting collection notices on balances we did not charge. Following the fraud, I made 3 more attempts to close the account and it was only recently closed. Truist has been TERRIBLE to work with and their associates do not convey consistent information. At one point, they charged each of our cards late fees ( that were later reversed ) due to a " system error '' and they duplicated ACH payments on multiple occasions. Their online portal experiences issues all of the time. I think they charge fee and hope that people will not dispute them, or get tired of disputing them and just pay them. Truist is unethical in their fee billing and the worst bank I have ever dealt with. We are in the process of closing all of our accounts with them, but the hits just keep coming.
Product: Checking or savings account

On or about XX/XX/XXXX I was told by Regions Bank I do not get my funds that were wire transferred until next day XX/XX/XXXX as my account was unfortunately overdrawn by {$4.00} although I sold my house and funds were over {$40000.00} wire transferred now I have my XXXX kids and myself can't get a hotel tonight and bank said maybe they will be available at XXXX XX/XX/XXXX bank did not care I am in a hardship with no funds and kids who need to sleep and go to school on XX/XX/XXXX although they have my $ XXXX and this also being a national pandemic COVID-19 that is such a shame for a bank to treat a customer in this manner!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XX/XX/XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$7500.00} -This is not my account.
Product: Credit card

I have been hacked by someone using a pretty good scheme. First of all this person made a payment on my credit card for XXXX ( I have no idea anyone who wants to steal money would do this ) and then the hacker attempted to purchase multiple charges at XXXX for XXXX XXXX and also a charge for XXXX These charges were immediately sent to chase as fraud by me. This then caused me to lock and cancel my card. I requested a new card which came in the mail. 1 month later chase sends this persons payment back to them and charges me the 3 charges they already removed from my account as fraud. This then changed my minimum payment from the prior month which I did pay. And this resulted in them sending me to collections for a payment I made!!! All because they reposted fraud charges to my account. Im furious this hit my credit and Ive spoken to many managers who can not help. They said I authorized these charged and I have asked them multiple times for proof of this. Whoever is doing these scam is very good at it unfortuanltey but I still dont understand why anyone would make a payment on someones credit card they are trying to make fraud charges on?

( Somehow they got the payment back and the fraud charges went through and now Im in a pickle ) Please help. 

Chase credit has been awful to deal with.
Product: Mortgage

I have a mortgage with Specialized Loan Servicing. I have been paying PMI for four years now. I currently owe {$250000.00} on my loan. I asked that my PMI drop because the current value of my house exceeds 20 % of what I owe. They sent an appraiser and they determined my home was only worth {$290000.00}. I currently have two houses for sail in our neighborhood ( one is my neighbor ) for sale for {$350000.00}. My house is one of the largest in the neighborhood and it is estimated value online at {$390000.00}.

I asked them what the appeal process was and was told they have none.
Product: Credit reporting or other personal consumer reports

XXXX so confused and desperate right now. Ive always checked my credit report regularly, but this morning, I saw inaccurate accounts appear out of nowhere, and I have no idea why. I thought maybe it was just a browser glitch, so I kept refreshing, hoping the issue would disappear. But the accounts are still there, and I feel powerless to fix this on my own. I dont understand what happened or why, but XXXX begging you to carefully review the documents Ive XXXX to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a dispute with Experian based on an inaccurate balance in a credit report requested on XXXX XXXX XXXX (attached as Experian Report XXXX XXXX). On page 49 of this report, my total balance for one of my student loans with XXXX was displaying as XXXX with a balance update date of XXXX This amount was incorrect because I made a payment bringing my balance down on XXXX which was not being reflected by Experian while it was being reflected by XXXX (proof of payment attached as MHEC Payment XXXX). As of XXXX, my XXXX balance on this loan sequence became XXXX. I have a letter confirming this from XXXX (attached as XXXX XXXX - Copy of XXXX  letter.pdf). I filed a dispute Report XXXX with Experian because of this discrepancy. Upon completion of the investigation, Experian correctly updated the balance of the loan sequence to XXXX on page 49 of my updated credit report (attached as Experian Report XXXX). At the same time however, they added a comment on page 51 stating "Completed investigation of FCRA dispute - consumer disagrees." Based upon my Internet research, this appears to be a comment used when a customer disputes the reinvestigation of a dispute that is not in their outcome. This was never the case in this situation. As such, I believe the incorrect comment/compliance code was used in this situation and, unless correctly updated, is potentially disparaging of my character. On XXXX at approx. XXXX ET, I spoke via phone with XXXX  from Experian. During the call, XXXX mentioned that the comment originated from XXXX and there wasn't anything Experian could do about it. He also mentioned that there is additional information in my credit report that I am unable to see as a consumer. I immediately followed up with XXXX XXXX, and spoke with XXXX (employee ID XXXX) at approx. XXXX  ET. XXXX  mentioned that she could not see any correspondence regarding my account since XXXX XXXX XXXX and that the last action on my account was the payment I made on XXXX XXXX XXXX. She mentioned that there was no record of submitting the comment/compliance code in question to Experian. She mentioned that there was nothing more XXXX XXXX could do and I would need to resolve this with Experian. I also inquired whether XXXX  would be able to assist as my account transferred on XXXX, but I have been unable to reach XXXX successfully due to systems not having my account information or excessive wait times to speak with a representative.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 was advised by a XXXX and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report. These are the the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Experian for failing to conduct a proper investigation for XXXX/XXXX/XXXX account number XXXX. I have sent multiple letters about the blatant errors this account is reporting. Send a final letter very specifically detailing the errors contained in their reporting complete with credit reports showing the account reported differently on other bureaus. I got notification that they had completed the investigation today so I pulled my Experian report. Unfortunately, they did not follow the requirements of the Fair Credit Reporting Act ( FCRA ) as the status of the information shows it hasnt been updated since XX/XX/2019. So how can they say an investigation was done in XXXX? They also did not address any of the errors I pointed out or provide any documentation. I am requesting that you compel Experian to delete this account from my Experian report as it clearly does not meet the requirements of the FCRA of being accurate and consistent and they have not met their legal obligations. 


Thanks for you help in this matter, XXXX XXXX XXXX
Product: Mortgage

The first part of this I reported on XX/XX/2022. I since feel the company has retaliated against me. 
In late XXXX I applied for a mortgage ( acct- XXXX ) forbearance due to Covid related health issues. I was granted reprieve and 3 months of mortgage payments are moved to the end of my loan. This essentially waived XXXX, XXXX, and XXXX. However, the escrow XXXX was not sort of that adjustment I was granted 5 years to balance out escrow. I was then scheduled to restart paying XX/XX/2022. I was not able to pay that month until XXXX. In which XXXX, I called in spoke with a collections representative and paid XXXX and XXXX together a total of {$2600.00}. This amount is not in dispute. I was told this would catch me up. I will then be able to resume normal payments. Therefore, in XXXX I tried to pay through app and could not so I called back in. I was then told that the issue was confusion around the escrow Carry over until I catch that Portion up it will look like Im behind. They then took the payment over the phone. I call in today to make my payment. I was on the phone for over an hour and still was not able to make payment. I was put from customer service to collections to loss mitigation, then ultimately told to leave a message for escalations. XXXX XXXX single point of contact thinks there XXXX XXXX payment was misapplied so the payments Im packing are not posting to account. However, the frustrating part is I dont want to have to go through this each month. I feel it interferes with my account access and it increases the chance of getting a 30 day late. Such as today, Im attempting to make payment on the last day of month which is with in my right. But because of their internal issues they refused to collect although Im not behind they said talk to escalations and Im the meantime theyll send me a payment recap. We reviewed my payment from bank account with no discrepancy but still they refused. An error like this could cause s false foreclose. Customer service- XXXXXXXX XXXX single point of contact in loss mitigation On Friday XX/XX/XXXX I was notified by my credit monitoring that I had a missed mortgage payment sparking me to call the mortgage company after speaking to a few people I was told that I have to speak to the executive relations team- XXXX XXXX Prior to transferring XXXX in escalations told me last Friday a check {$3.00}??? Thousand dollars was returned and my last payment of {$1200.00} was returned and foreclose for the amount of {$5.00}??? Was initiated. When I inquired further she said I had to speak with XXXX. After trying to get her on the line for an hour she refused to answer answer any questions stating that because I filled a complaint she must respond in writing she has no answers for me I explained there was not an impending foreclosure at the time and before my credit wasnt elected she said she takes not of my concerns and theyll be in my written response. I then called the cab who said I have option to withdraw claim if I choose. I then called back and a the person answering conveyed a message from XXXX which essentially was the same, my response will be in writing