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

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX According to the FRCA The term " investigative Consumer Report '' means a consumer report or portion there of in witch information on a consumer 's character, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Accounts listed below : 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: Checking or savings account

On XX/XX/18 I went into the Bank of America located at XXXX XXXX XXXX XXXX XXXX, Ca. After completing one transaction the teller told me that he could not take my cash deposit due to multiple transactions. He instructed me to use the ATM machine located inside of the branch. I proceeded as directed and made a {$2600.00} ATM cash deposit. On XX/XX/18 I noticed {$1900.00} debited from my account so I went to the Branch and the Manager said he could not help me and I needed to file a claim. I called BofA claims department ( XXXX ) XXXX. The representative started a claim for me and I saw a return of the {$1900.00} into my account. On XX/XX/18 the {$1900.00} was again debited from my account and I called BofA Claims Dept again. I was transferred to XXXX XXXX ( would not provide last name ) and she told me they were not going to return my money to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX XXXX XXXX our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get loancare on the phone. 
lakeview loan servicing has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XXXX. 
please help us as we can not get another loan for a house b/c of what loancare ( now lakeview ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c loancare was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it.
Product: Credit card or prepaid card

In XXXX of XXXX XXXX mistakenly used my discover card on file. The discover card on file with them expired in XXXX so it makes no sense that they charged it or how they even did since it was expired. Since I paid my discover card off and haven't used it in years I never knew to check the account and even had my old checking account setup for auto-pay. I closed that checking account a couple years ago so when they charged the closed account it was rejected which caused more charges. I disputed the charges with discover and they agreed to refund the charges and fees associated with it but for some reason refuse to remove the delinquency on my credit score. I only learned of the delinquency when I tried to refinance my house and discovered my credit score took a dive. I have talked with many people at discover card but they keep blaming me for not opening mail and emails from a credit card company that I haven't used in years and had no reason to think I had any problems with. I don't understand how they can agree to give me back the money for the charges but then still refuse to remove the delinquency problems that arose from the charges.
Product: Student loan

Fraud student loan consolidation. Within the last week I have received fraud alerts from XXXX  and XXXX XXXX and this mess has cost me a loss of 24 points on my credit score. I only had one loan with EdFinancial and have been making payments even before I needed to. I had a balance of {$570.00} left and when to make my regular payment and it showed the account paid off. I called EdFinancial customer service on XX/XX/XXXX and they said my account was sent to Navient ( a company I have never heard of ) for student loan consolidation. I explained that I have never taken another loan. They said they were no longer involved and to contact XXXX. I called XXXX and they said the account was new but they could see it was to consolidate with other student loans I have. They sent me to the fraud department and I asked for them to provide proof I took out a loan and they literally had no paperwork on any loan. They said they would get back to me on a few occasions and never did. I am being bounced back and forth. At this time I do not know where my loan is so I can make a payment as both companies have an open account.
Product: Mortgage

We had our mortgage thru BSI and they had contacted us and said that we could skip three payments on our mortgage to help us out. We were in the works of getting this taken care of speaking to XXXX at BSI when our mortgage got sold to XXXX in XXXX, we had a verbal contract with XXXX that we would not have to pay our Mortgage until XXXX of this year, when our mortgage got bought out he assured us that the new company would honor the same agreement. The problem is XXXX has had our mortgage for a month and a half now and are waiting on the paperwork from BSI and XXXX so they can hold up the agreement we had with BSI. I have emailed BSI askign them to send the information to XXXX but they are not responding to my emails so we are stuck in a hard spot at this point, on top of all of this they did not pay our property taxes for a year and a half so our hous is on the list to be sold for back taxes. Nice company would n't you say,
Product: Mortgage

Among other poor business practices, I was lied to by XXXX XXXX, a BB & T mortgage lender at my bank. She told me to sell a vehicle to get the debt out of my name and then she could give me a 3.75 or better rate on a refi mortgage. 
I told her I could have my son purchase the vehicle to get it out of my name but it would cost me a lot of money to do so. She promised me that if I sold it she could complete the mortgage. After I sold my vehicle to get it out of f my name she said she could not give me the mortgage after all. 
Additionally, I told Ms XXXX that time was of the essence when I contacted her about my mortgage refinancing needs. She assured me it would not take long. Over three months later with little communication from her ; and asking me to get a vehicle out of my name. ( I had to initiate all calls, texts etc. ) I was turned down.
Product: Credit reporting, credit repair services, or other personal consumer reports

portfolio recovery account # XXXX this company has been harassing me by reopening old account that were closed and charged off from my divorce they continue to call and harass me with mail and threats and phone calls to me I have never owed them nor do I have any interest in them this account and others have been reintroduced to my credit report over and over again because of harassment they don't report any payments and said they are not liable to do so either I would like to have my credit back as my records are clean except for there continued harassment I have written to them and other credit bureau and have had no results please help me!
Product: Credit card or prepaid card

I've made a transaction on XXXX XXXX on XX/XX/20 for {$610.00} using cashapp. I've had issue with the order and reached out to XXXX XXXX  for help. XXXX XXXX tried helping by attempting to provide an refund / exchange but was unsuccessful because their policy restricts them from providing refund or exchanges to Non returnable or All sales final order even if its a defect with the product or services. XXXX XXXX  suggests that I reach out to my banking institution to get these charges disputed because they are limited of options in resolving this issue from their end. I've reached out to Cash app and explained what my issue is with this transaction. 24hrs later Cash app responded with an email saying that I should receive a dispute form with 10 business days. I've finally gotten the dispute form and filled out the necessary details. 2-3 days later after sending the form back to Cashapp, I've received an email from them stating that they can not dispute because they have no rights which is completely frustrating and false statement. I've banked with XXXX XXXX and had disputed with merchants about defective items or services and never had one issue with them! or heard about them not having rights to dispute this transaction because it was an all says item. The law states that I have a right to have a refund or exchange provided from any transaction even if the item was an All sales final or no returns if the ITEM OR SERVICE IS DEFECTIVE.
Product: Payday loan, title loan, or personal loan

They are charging over 150 % in interest. That wasn't agreement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Account Number XXXX Amount Claimed : {$880.00} Dear LVNV FUNDING LLC, I am writing in response to your letter regarding a debt you claim I owe. I am requesting validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following documentation : XXXX. The original contract or agreement that bears my signature and verifies that I am obligated to repay the debt in question. 
XXXX. A complete payment history, including any charges, payments, fees, and interest applied to the account. 
XXXX. The name and address of the original creditor for this debt. 
XXXX. Proof that you are legally authorized to collect this debt, including a copy of any assignment or authorization from the original creditor. 
XXXX. A copy of the IRS Form 1099-C, if applicable, which may indicate that the debt has been canceled or written off by the original creditor. 
Until I receive the requested information, please consider this debt to be in dispute. Additionally, I request that any further collection activity be ceased while this validation request is pending, as per my rights under federal law. 
Thank you for your attention to this matter. I expect your timely response, as failure to provide sufficient proof within 30 days will result in the termination of collection efforts and removal of any negative reporting associated with this debt. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. A XXXX WAS ADDED OF INACCURATE ACCOUNTS REPORTING. 


In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

**This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification.   I believe the following information to be inaccurate.     1.CREDITOR NAME -  XXXX . - Account type- automobile.
  **i am disputing this account for inaccurate information. The last report date of the account was  XXXX   XXXX  so there 's no excuse as to why this accounts displaying inaccurate information.     I am attaching proof that this account has received some form of payment after the date reported for last payment received. They are aware of my financial problems and how I lost my job and agreed to work with me.The monthly payment is also reported WRONGLY. My payments are  (  twice a month ) for {$220.00} totaling {$440.00} NOT {$480.00} as  XXXX  falsifies.   The above listed creditor reported different dates for each Bureau, which all are INACCURATE. So this creditor has reported incorrect information to all  XXXX  bureaus, which is damaging my score with each. I can provide ANY proof that all  XXXX  reports have different information on the areas that I have pointed out. When seeing such inaccuracies, I am to believe the creditor does n't care how this affects my credit and my future success. I am in the process of fixing all and any mistakes. PLEASE I 'm requesting REMOVAL of this account, as it is actually in fact in violation of the Fair Credit Reporting Act. I want a full removal/deletion as it is harming my credit.   Thank you kindly, **Phoenix Recovery  Group- original  Creditor :   XXXX   XXXX   XXXX   XXXX   XXXX . Balance : {$1600.00}. The original Creditor was supposed to disregard all charges including the transfer to collections.  XXXX  proof was provided before my departure but apparently the account was still turned to collections. I have provided documentation of  XXXX  proof. FEDERAL LAW allows Termination of any lease. Federal law, 50  U.S.C. App. section 535, k nown as  Servicemember Civil Relief Act ( SCRA   XXXX . I 'm requesting FULL DELETION OF THIS ACCOUNT. The original creditor also went against federal law because I am  XXXX  personnel so I should n't be held accountable if I was on  XXXX  I trust that you will resolve this issue. Again no verification has been sent to me about the status. I just do n't understand why they would try to be so sneaky, as a member of the  XXXX  I did n't expect this at all.   Please help me as I am trying to redeem myself and work on my credit. And fix anything that should be fixed. I want to see myself as a home owner in the future and also retire  XXXX  Thank you and I look forward to any information reguarding my issues as I 've disputed and have gotten no where.     I can provide any further info if need be. And also if you need the following payment and dates for  XXXX  I can provide that as well
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed a series of inaccuracies being reported as late payments. During the pandemic, prior to experiencing a hardship I reached out to the creditors to make an accommodation on the accounts to ensure my credit would not be impacted due to lay offs. Furnishing the late payments to my profile is in violation of 15 USC 1681 S-2 ( F ). Not only were the late payments covered by the CARES act during these periods, but I paid as agreed on the following accounts, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Further furnishing late payments is also in violation of 15 USC 1666B, specifically with XXXX account. I've reached out to the CRA ( XXXX, XXXX, and Equifax ) attempting to resolve and have this information updated in XX/XX/2023 and XX/XX/2023. I requested verification and have not received a timely response. The late payments being reported are severely affecting me purchasing a home.
Product: Credit reporting or other personal consumer reports

Data Breach and Request for Credit Report I am writing to formally file a complaint regarding the exposure of my personal information due to a data breach. This breach has caused my sensitive data to be exposed and accessed without authorization, which has caused an impact on my credit report and financial standing. 
Under the Fair Credit Reporting Act 15 U.S.C. 1681C-2 I am requesting that all inaccurate, fraudulent, or unauthorized information be removed from my credit report immediately. Specifically, the FCRA mandates credit reporting agencies to block and delete any information resulting from identity theft or fraud upon receipt of a valid request and supporting documentation. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and must investigate any disputes about inaccuracies. If any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed promptly. 

Additionally, under the FCRA 1681N and 1681O, violations of these rights can result in penalties, including damages for non-compliance. I believe these provisions are relevant in my case as the ongoing presence of compromised information on my credit report reflects non-compliance with these federal protections.

I urge the CFPB to take immediate action to investigate this matter and ensure that the credit reporting agencies involved are held accountable. Please advise me of the next steps required to resolve this issue and protect my rights under federal law.

FCRA 1681e ( b ) FCRA 1681 I ( a ) ( 5 ) Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I havnt been to a hospital in years but have 3 charges that I believe most have come from either stolen identity or possibly XXXX XXXX XXXX XXXX XXXX  ex. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX im not paying for her or anyone else 's bills nore will I let my credit take a plung over someone using my identity for a service I did not use I have not been to a dr even and if I did I have XXXX XXXX XXXX so I would of used it, so for facts my signature isn't on any paper work. My experian account has had hard inquiries with a phone number that isn't mine I already disputed so obviously they have failed and have been compromised by whoever owned that phone number I had taken off my report.
Product: Credit card or prepaid card

Wells Fargo Bank, NA {$730.00}. This item is reporting negatively and impacting my score monthly as it pertains to a charge off and not current with payments. This is not my account and was opened in my name fraudulently without my knowledge or consent in which to do so.
Product: Money transfer, virtual currency, or money service

I am failing a complaint against Cash App ( Block , Inc. ) due to inadequate Costumer 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have filed multiple reports against Equifax about them not updating my personal information on my credit file. I have submitted and resubmitted, but yet it goes unchanged. That tells me they are possibly using a computer bot and not humans to read these dispute letters. I just recently received a letter from them asking me to pls to do the following : submit a copy of either my social security card, drivers license and/or an official document to update my name. You also stated that you were unable to honour my request by sending a revised copy of my Equifax credit file. I further advised them that I have sent a copy of an official document along with my drivers license which clearly shows my updated information. Im of the belief that, they're using a computer bot to respond to disputes otherwise they would have seen that those now requested documents were already included in my dispute request. I have pleaded with them to update my information multiple times but they have refused to do so and are now using stall or delay tactics. I have even filed several complaints with CFPB but yet they still ignore my request to accurately and completely update my personal information. This isnt acting in accordance with FCRA laws and guidelines. This makes the 5th and final request asking them to honor FCRA laws and guidelines by updating my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS violated my rights as a consumer and shared my personal information without my consent with Consumer reporting agencies about a bankruptcy filed in 2018. Per the violation law of 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 b ( a ) ( 2 ) I have contacted them and they have received a letter of my complaint and it has been attached to this complaint as well as proof it was received by them.
Product: Checking or savings account

After waiting months to receive my husbands unemployment from out of state, chase seized our entire account balance without warning leaving us with nothing. They wont say when we will get the money back or give us any information to solve the problem. They left us with absolutely nothing and scratching our heads. Were honest, hard working people who have never committed fraud in our lives. Were supposed to be innocent until proven guilty but Im having to prove I didnt do anything wrong to get my own money back. In the meantime I cant pay my bills. The funds were deposited from the NY department of labor on XX/XX/XXXX and XX/XX/XXXX. The account balance of XXXX were seized XX/XX/XXXX. I spent 2 hours on the phone with the company and went to the physical branch as well. They just keep saying the decision has been made. We have {$0.00} to our name with bills coming up in a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions, permission was never requested from me nor given to allow for over the limit transactions. Moreover methods were not in place to prevent fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Moreover, any information can not be withheld from the consumer if the consumer will be held responsible. This is America. The theft resulted in account being closed, charged off, exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA.