23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the credit reporting agencies XXXX, XXXX, and Experian for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX, XXXX, and Experian conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.
Product: Student loan

Navient : misallocated payments, steered me into costly repayment plans, supplied the wrong information, and ignored my pleas for help. Mislead me into forbearance. 

Also, I attended for profit art school from XXXX. It was impossible for me to pay the loan and I defaulted. My original loan was XXXX and now XXXX  years later I owe XXXX with the interest equalling my original loan amount. 

I have not heard from anyone if I will be a recipient of any of the lawsuit funds. XXXX has taken over my loan and I do not see any relief from this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( XXXX, Equifax and XXXX ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.
Product: Mortgage

Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Loan Number Nothing has been reported to the credit Bureaus we have asked them repeatedly to please report our credit history. Any help would be greatly appreciated. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Dear Rushmore, We are contacting you to ask for you to report our credit information to the Credit Bureau 's? Our Bankruptcy attorney informed us that you never filed a re-affirmation agreement and that you are legally required to do so. We ask that you promptly provide the information to the credit agencies. This was 12 years ago we have been making payments for all this time and it was included in the bankruptcy. We would appreciate your prompt attention to this matter. Thank you, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016 XXXX XXXX XXXX/NAVIENT reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Product: Bank account or service

I will like records of why did you take more than XXXX figures out of my account and close it. I was away and could not claim. The account number is XXXX. My request is to refund the fundsyou took away with out explanation and to reopen a new account in Wells Fargo Florida.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was deemed a total loss XX/XX/XXXX. My insurance company issued two payments to Ally. Ally is now saying I have a balance owed. My gap insurance company is saying there is no money owed. I ; ve also asked Ally to provide me with my complete payment history and they have yet to receive. I apologize but I don't have the dates that I've called to Ally ( except for today XX/XX/XXXX ) requesting yet another explanation of the payments and I continously receive no resolutions. My credit is yet tarnished becuase of their discrepencies. Additionally, I have an open case XXXX against XXXX XXXX XXXX for the impoper handling of my claim. I am attaching an estimate of my vehicle.
Product: Vehicle loan or lease

Attached to this complaint there are multiple violations of Illinois law 1 accurate credit bureau reporting 2insurance involved when financing a car that turner acceptance requested the finance company does not mention as a lienholder XXXX XXXX XXXX and ove insurance I had XXXX XXXX XXXX XXXX XXXX proper treatment of contaminated fuel with the department of trnasportation that turner acceptance would not reposess via telephone call. Attached is a lawsuit I filed that turner acceptance XXXX XXXX and XXXX XXXX XXXX where parties and served.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$500.00} I was scammed out of {$2500.00} for an apartment on XXXX. As soon as I found out I went and filed a police report, printed out all the e-mails and gave them to Citizensbank. Citizensbank turned around and told me there is nothing they can do.
Product: Credit card or prepaid card

I am an elderly and XXXX, XXXX, XXXXXXXX XXXX XXXX, American and feel that Capital One has discriminated against me in closing my Walmart credit card having always paid on time. They refuse to tell me except what they call unprofessional, derogatory and abusive to them. When one of their XXXX agents could not multiply XXXX and said it was XXXX. My mentally handicapped son with a XXXX IQ ( XXXX level though he functions higher ) said to tell her that it was XXXX. The agent then called me a " XXXX XXXX XXXX  XXXX '' and demanded a supervisor. The supervisor cackled like a laughing hyena and when I told her I was appalled she stated that is fine for their reps to call me that name. I told her I was greatly offended as a XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. When I asked her that since she felt her agents could call me that what would she do if someone called her that and she said she would hang up on them. I told her that was illogical. She said she did not know what that meant ( which I found hard to believe if she was a supervisor ). I then asked her why and she said " Because we are in charge of you kind and you're just a lowly customer. '' I hung up on her. I believe that Capittal One has taken both XXXX XXXX XXXX side and turned tables stating that I called her that filthy vile name instead of the fact that she called me that which as a born-again XXXX which I would not do. I taught 10 years in a state prison and never called that name, two different principals ' positions and two different Superintendents ' position and then retired and NEVER called that name except by the Capital One agent. I believe they are trying to intimidate me, minimize me, mentally XXXX  me, and prejudge me and I have asked for the real reason and they will give me none. I have appealed to several peope that my letter says to ask for their Customer Advocacy Office and they refuse to let me talk to them. They are stonewalling me and when I stated I would report to your offices they made a very veiled threat to me saying " See what happens to you if you do. '' I considered that a potential XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are thus keeping me from any fair appeal and declaring me guilty without a fair chance. Of course, they have cancelled the card saying that I would owe anything due which I understand. However, the issue started all because they would not change my address to my correct address and the XXXX people would not help. Even the letter sent to cancel my card was not sent to theeven if I owe anything or not. correct address, but XXXX got it to me anyway. Therefore, I don't even know if I owe or not. They have also blocked both my land line and cellphone numbers so that I can no longer attempt to make an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$79.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AAMOUNT {$300.00} XXXX XXXX XX/XX/XXXX AMOUNT {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.
Product: Checking or savings account

Claim XXXX XXXX XXXXXXXX As you are aware, I fXXXX XXXX to identity theft, a distressing experience that compelled me to file a police report. Subsequently, I submitted this report along with my XXXX XXXXXXXX XXXX XXXX Bank of America, as requested, to substantiate my claim of fraudulent activity on my account. Despite my efforts to provide all necessary documentation, I have been met with continuous denials, leaving me in a state of disbelief and financial hardship. Bank of America NEVER sent me sufficient information or documents on why they continuously deny my claim. 

I am currently undergoing my third reevaluation process with Bank of America, during which I have provided all the relevant support documents. Regrettably, each time I have been denied the rightful refund of my hard-earned money. This situation has not only left me financially strained but also humiliated and dejected. 

I would like to emphasize that every transaction totaling XXXX  on my account was unauthorized and made without my consent or knowledge. It is disheartening that my appeals continue to fall on deaf ears. I had placed my trust in Bank of America to safeguard my financial assets, and it is disconcerting to feel like the bank is, in essence, robbing me of both my dignity and my money.
Product: Vehicle loan or lease

I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Product: Mortgage

So on or about XX/XX/2020 I had a lady named XXXX XXXX call me from the executive office of chase and we spoke for some time she stated to me that as of XX/XX/2020 that I had been added to the loan she then went on to state that in XX/XX/2020that one of the loans had been taken out of forclouser so that I was good on that one she then stated to me that on XX/XX/2020 that the other loan had also been taken off foreclosure she then stated that I was denied a mortgage assistance and it could have been because my name was not on the loan at that time she then advised me that I should hurry up and file new paper work for mortgage assistance now that I have been added to the loan she also advised me that sence I have so much equity into the house that they should be able to use that to catch up what I am behind she said there was about 105 k owed on the place and that the value of it was around 280k so there is plenty of money there to do so she then stated she was going to send me everything that we had talked about on the phone which I have never received she also said that my relationship manager would be calling me to see what options we have and talk to me about the equity and using that well I still haven't talked to her they did call and leave me a message about giving me XXXX to move out but when I returned the call all I got was a machine and never a call back well I'm still getting papers saying that the forclouser is still set for the sale date well if both loans have been taken off forclouser wouldn't they have to start all over again not just to decide that they are going to move forward with it and keep all of the same dates after they took it out of forclouser they are just trying to steal the equity that I have in my house and not trying to work with me what so ever I think they should take some of the equity I have and put it towards what I'm behind and then start letting me make my payments again instead of trying to steal my house do they even have legal right to for lose sence they don't even own the loan
Product: Student loan

I approved a automatic withdrawal from checking account for my student loan on a specific date. However, Navient immediately withdrew funds from my account without my permission. I have experienced these unethical and illegal practices twice before with Navient and they have refused to address and correct their practices. Their practices needs to be investigated by a governmental body.
Product: Mortgage

USBANK Home Mortgage PMI Disclosure letter states that my PMI will " automatically terminate when my Scheduled LTV reaches 78 %. I am at 76 %. I called and they say I have to have an appraisal that I must pay. HOW IS THAT AUTOMATIC? Automatic implies by definition that NO ACTION on my part would be required. No Letter, no phone calls, no appraisals, no fees, etc. 

This Annual PMI Disclosure was included on the back page of my mortgage statement. In their own words. It does not list any qualifiers. When I called to discuss this ... they gave the run around on the phone. That I need an appraiser to come to my home, inside my home, ( i would need to take time off of work to meet them ) and I would have to pay for this out of my own pocket. 

Again, this is not AUTOMATIC. They even site " The Homeowners Act of 1998 ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 I seek appropriate redress for those violations.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair business practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process has been unfair and deceptive, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused me significant financial loss and inconvenience.

I request appropriate redress for these violations and the harm caused by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I let the credit bureaus and secondary agencies know that there are inaccurate, unverifiable, and fraudulent items on my credit file that do not belong to me. I submitted and identity theft report. The items are still on my credit file. This is blatantly ignoring Section 605 b of the Fair Credit Reporting Act. It says that the items must be removed within 4 business days of you being notified. Also, no item is to be furnished on my credit file without my written consent. I never gave written consent for anything to be furnished on my credit file!! I have contacted XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. They have told me and also sent in writing statements saying that they dont even report to the credit bureaus. This false information on my file was provided by XXXX, XXXX, XXXX and other illegal means. I do have a right to privacy! The continued defamation of my character will not be tolerated! You have caused great distress to me both mentally and financially with your deceitful practices.
Product: Debt collection

I received a letter dated XX/XX/XXXX from some company named UNIFIN allegedly representing " XXXX XXXX XXXX XXXX '' for charges that were purchased by them on behalf of XXXX XXXX. Again, as I've stated in previous documentation towards XXXX, XXXX, and now to UNIFIN that I do not owe the alleged debt that they're proclaiming. Nor will I ever pay the said debt amount listed. I am making my complaint again through here because non of these debt XXXX nor credit bureaus is following proper protocol. For example I will enclose documentation shown on my XXXX report that this acct ( that I never established ) has an incorrect closing date shown of XX/XX/XXXX ( which is laughable as I wasn't even born yet ) Then you will find via my XXXX report it's showing past due amount of {$2200.00} for a " closed '' account. This goes completely against my rights under XXXX to report true and accurate information on ALL of my reports. If I have to write each and every month, day, and or year- I will do so, but I can assure you I'll NEVER pay XXXX XXXX XXXX and or UNIFIN XXXX I don't OWE it!
Product: Debt collection

On XX/XX/XXXX, I received a collection notice dated XX/XX/XXXX from IC System for a delinquent XXXX  account in the amount of {$470.00}. The notice stated in part, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt ... this office will obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. '' Having no knowledge of the debt, and knowing my XXXX  account is in good standing, I wrote to IC System and XXXX on XX/XX/XXXX informing them I have no knowledge of the debt, that I was disputing the validity of the debt and asked them to provide copies of all purported unpaid XXXX  bills for me to examine and verify their validity. '' I sent the letters to XXXX & IC System certified mail and received USPS confirmation of their delivery on XX/XX/XXXX & XX/XX/XXXX respectively. Neither business wrote back. 

On XX/XX/XXXX, I sent a second letter to XXXX & IC System saying I never received a reply to my first letter and asking yet again for proof of the debt. Again, I sent the letters certified mail and received USPS proof of delivery. Instead of sending me proof of the debt, IC System reported this unsubstantiated debt to the credit bureaus, TWO DAYS AFTER receiving my second letter. An account was created on my credit file as " charge off '' and is now is now showing as a derogatory account on my report and negatively impacting my score.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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

XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however XXXX   did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.
Product: Debt collection

I previously had a loan with XXXX XXXX for the mortgage of my home. Due to XXXX XXXX, XXXX XXXX and XXXX, I fell behind. The home was foreclosed on and the loan was sold to Specialized Loan Servicing LLC. I am currently living in a XXXX XXXX  and do not have direct contact information. The loan has been foreclosed but I have not been served with an eviction notice. I am in XXXX. I can not apply for assistance because I do not know where I stand with the house. Also since I have not been formally evicted, I am about to lose my placement in the XXXX. Both I and my counselor at the XXXX  have attempted to contact the debt agency to clarify the status. On the first call, I was told that there were XXXX options. Fax and email information was provided. Both of us were told we would receive information on how to proceed. No information was received. We have been through the phone brush off on three occasions. No information is received. The last call, we were assured that we would receive this information within the week. In addition, I have attempted to contact the company via their website. I can not email them without an account. I can not create an account without a loan number. I have no paperwork from the company with any information or loan number etc. This has been going on for over a month. I am willing to work with them or to move on if I could simply get a response.
Product: Mortgage

During my application process with Discover, I was incorrectly told that I wouldn't be able to count my child support income, which delayed the process of moving to underwriting. After a two week delay and much confusing, inaccurate, and inconsistent communication, the application was finally moved to underwriting. In underwriting, I was denied based on self-employed income and history, which - given the time to provide additional documentation and explanation for- could have changed the outcome of the application. 

However, because of the delays in the application process, the loan application expired over the XXXX XXXX without the opportunity to resolve and move forward with the lien, which is making me even later to pay off my ex-husband and puts me at risk to be sued.