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

I am submitting this formal complaint regarding the inaccurate, incomplete, and unauthorized reporting of a closed educational installment account by DEPTEDXXXX account XXXX XXXX, to all three major credit bureaus ( TransUnion, Experian, and Equifax ).

Violations The account was closed in XXXX, with a {$0.00} balance, and has remained inactive for over 8 years. It should have been removed under the Fair Credit Reporting Act ( FCRA ), which limits negative information to 7 years. The account is past the reporting statute and should be deleted entirely, not remain marked as " current '' or active.

The payment status is listed as " Current '' despite the fact that the loan has been paid in full and closed since 2016. This is misleading and inaccurate, artificially impacting my credit profile. 
The account still contains comments such as Dispute resolved ; reported by grantor, which implies unresolved prior disputes even after full resolution. This may violate FCRA 607 ( b ) ( requiring maximum possible accuracy ) and FCRA 605B ( handling of disputes ).

FERPA Violation Notification : I am also adding that XXXX XXXX and DOGE ( Department of Government Entities ) were granted unauthorized access to educational records, which include federal student loan data. There are public articles and documented evidence confirming this breach of privacy. This violates FERPA ( Family Educational Rights and Privacy Act ), and any organization reporting or using this educational data should be held accountable for maintaining its confidentiality and integrity. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

All XXXX credit bureaus, XXXX, Experian, and XXXX are reporting a state tax lien for me, dated XX/XX/2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/13 I applied twice for a Chase Bank Disney card. After receiving an error it stated that my account was frozen from XXXX. I had also applied for an XXXX XXXX  XXXX  around the same time, unknowingly I also was blocked due to the freeze. 

I was able to unfreeze my credit report with XXXX and spoke with Chase bank. They asked me which inquiry to approve, on a recorded line I stated my initial application is the one I wanted submitted. 

Chase bank approved multiple HARD credit inquiries without my consent and it has damaged my credit. I have worked very hard to get my credit to where it is at. I also do not have a history of delinquency that isnt more than 7 years old. 

I really would like these inquiries from Chase bank removed and if possible the XXXX XXXX XXXX inquiry. Thank you
Product: Debt collection

I I own a XXXX XXXX. As most informed people are aware the industry has been devasted by Covid-19. I have absolutely no income from my agency, in fact, I have had to return commission payments previously received. I have a business credit card with Citi and I have contacted Citi Bank for some type of relief in repayment of the credit card, they keep telling me I am not eligible for assistance. I can not for the life of my future this out. With continuing to accrue interest the card is now over {$30000.00} They tell me to call every month, which I have been doing since XXXX and still no relief. Please help me. This is going to have to be written off as a bad debt. Before the collection agency starts call what should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM chase bank. ( See attachments ). Chase bank on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted chase bank since XXXX by certified letter requesting removal of the charge offs. Since that time chase bank has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by chase bank who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.
Product: Debt collection

LVNV FUNDING LLC GREENVILLE, SC XXXX tel : XXXX Subject : Request for Verification of Debt Dear LVNV FUNDING LLC I am writing to formally dispute the validity of the debt referenced in your collection notice reported on XX/XX/year> which states that I owe {$460.00} for Account number XXXX account number or creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of this debt. To assist in the verification process, please provide the following information : 1. The amount of the debt : A detailed breakdown of the total amount owed, including any fees or interest. 2. Creditor Information : The name of the original creditor and any account numbers associated with the debt. 3. Proof of Ownership : Documentation that shows you have the right to collect this debt on behalf of the original creditor. XXXX. Payment History : Any records that indicate payments made toward this debt, if applicable. Please send this information to me at the address which you should have. Until I receive the requested verification, I ask that you cease all collection activities related to this account, as required by law. If you are unable to provide the requested verification within 30 days, I expect that you will remove this collection from my credit report and cease all further attempts to collect the alleged debt. I request that you provide me with validation of this debt, including proof of ownership and the original agreement. Until this is provided, I ask that you cease all collection activities related to this account. '' Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Pursuant to 18 USC 8, I do not owe this debt. Additionally, this company is violating my consumer rights to privacy under 15 USC 1681b ( 2 ) and does not have permission to report any information using my personal data in accordance with 15 USC 1681a.
Product: Mortgage

I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up.
Product: Checking or savings account

There was a nationwide issue last week where XXXX who is the parent company of my mortgage company XXXX XXXX withdrew my mortgage payment of {$1100.00} four times in one day for a total of {$4700.00} in unauthorized charges after the initial correct mortgage payment was made days before. The main issue is that my banking institution CHASE bank allowed the unauthorized withdrawals to take place even though we don't have auto bill pay for our mortgage payment. So each month we go in and authorize the payment each time we pay our mortgage. I was out of town on a business trip and had no access to my money for the entire day. I would like to investigate how and Why Chase allowed for unauthorized payments to be taken out of my account, especially when I do not have auto bill pay for my mortgage payment.
Product: Student loan

My account had been in paid ahead status for many years and I just realized what this was earlier this year. After researching and learning that any extra amount for each payment I made was not being placed toward the principal and instead was being held for a future payment so more daily interest was accruing on a higher principal, I requested this to be changed. I told aes that I wanted all payments where I paid extra to be applied to the principal, not future payments. AES said I needed to request paid ahead status be removed from the account. I requested this on XX/XX/22. My account has changed back to applying my extra payment amounts to future payments rather than current principal on XXXX occasions since I made this request. They havent applied those payments which I have already made to the principal as requested. I have had this loan since I was XXXX XXXX XXXX. I took it out my first year of college after high school and was always taught that if you pay extra on your loan, even XXXX XXXX a month, it pays down your principal and you pay it off faster. I was very surprised to learn about how these payments are applied. It seems unethical that these loan companies are able to do this and wrong that they keep changing my account back and doing this repeatedly after I ask them to stop.
Product: Credit reporting or other personal consumer reports

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 Inaccurate Hard Inquiry on My Credit Report, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transunion dated XXXX XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Thank you for your prompt attention to this matter. 

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

Recently a file was removed from XXXX following an investigation. Experian has refused to remove the same file and has also refused to run a correct investigation on the file. They have a digital and paper copy of the XXXX file being deleted and have ignored it each time
Product: Checking or savings account

XXXX XXXX sent me a check claim refund for {$310.00}. Someone stole my check and printed their name on it. That someone deposited my check in their Wells Fargo account even though the name on the check was meant for XXXX XXXX Wells Fargo allowed the deposit of the check into a deposit account that did not match the check. 

I requested Wells Fargo to reverse the transaction and return the funds to XXXX so they can give me my money back. they said the money is already deposited and there is nothing they can do about it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX Camp XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Arkansas XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : AUTO LOAN Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : CREDIT CARD Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX Account Number or other information to identify account : XXXX, XXXX, Dates associated with item being disputed : EDUCATION LOAN Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Account Number or other information to identify account : XXXX Dates associated with the item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UR XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : CREDIT CARD Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) I have attached a copy of my report with the accounts in question circled. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 insignificant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. 
Here are the inquiries listed below. 
Account Inquires 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

The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX
Product: Credit card or prepaid card

Last XX/XX/XXXX I made a balance transfer from Synchrony ( Sams Club ) Bank to XXXX XXXX in the amount of {$4000.00} dollars .... XXXX XXXX started charging me for the balance transfer as agreed ... Synchrony Bank never adjusted my balance for {$4000.00}, today they are charging me interest on money that they have stolen, and they have messed up my credit score for nearly 100 pts. despite the bill having been paid on time at all times ...
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for all disputed accounts and information.
Product: Mortgage

I contacted PHH mortgage on XX/XX/XXXX requesting an escrow analysis to be done because I was at 78.8 % loan to value. I wanted to start the process of removing the PMI to my monthly mortgage payment. I then recieved my escrow analysis and the company had made an error on the original loan to value ( which was {$170000.00} as of XX/XX/XXXX ), but the company had put the LTV as {$140000.00} as of XX/XX/XXXX, which then affected the overall LTV changing it to 94.10 %. I contacted them about this concern recognized there was an issue, but the customer service person could not just correct the issue without placing a help ticket. After 2 business days I logged into my account and noticed they had changed the LTV from the error of {$140000.00} to {$150000.00}, but again this is incorrect. I contacted them about this concern and still got the run around and was told I had to wait on the original help ticket and they would contact me within 5-10 business days. I still had not received a resolution so on XX/XX/XXXX I contacted the customer service about the concern they finally connected me to a customer rep in New Jersey who then placed another help ticket about the concern. He also pulled my scanned loan docs and could see that the original LTV was {$170000.00} and that a mistake had taken place, but was not authorized to make a change. He would have to wait until the help ticket was resolved. As of today I have sent another email in regards to this concern, I have not been followed up with from Phh Mortgage nor have they corrected the issue. I am very concerned with how to proceed forward. I felt as a consumer I needed to make a formal complaint about this issue. 
Back History : I had a mortgage escrow analysis completed XX/XX/XXXX. I was at 81.20 LTV. I have the documentation that was sent. I knew I was close to being at 78 % LTV in XXXX and that 's why I requested another analysis. On the XX/XX/XXXX payment my PMI would have been automatically removed. I have not refinanced the loan. I only did a rate modification in XXXX. I do n't understand how my LTV can just change.
Product: Debt collection

I notified them right away that I could n't make the payments right now because of the enormous fees. I spoke to them on the phone to customer service first, letting them know they could call or email me but could not call my employer. They still called my employer daily. I sent them an email to stop calling my employer, they still called daily. I faxed them a statement, referring to this website that they must stop calling my employer at XXXX. I told them in the fax that they could continue to call my cell or email me, both of which they have. But they keep calling my employer daily, sometimes more than once. I can not get personal calls of any kind at work. I just want them to stop calling my work number. I do have supporting documentation but I do n't have it on me at this moment that I 'm submitting this.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected not removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed there was fraudulent activity. it is hindering me from obtaining credit.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX - XXXX I have concerns regarding the inclusion of these late payments on my credit report, and I believe there are discrepancies in the reporting process that warrant further examination. 

Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of the consumer report, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. '' I emphasize that I have not provided written instructions to include this account on my credit report. Did I give you written instructions to furnish this on my credit report? It raises questions regarding the legality of its inclusion. 

Furthermore, I draw your attention to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), Exclusions from a from a consumer credit report CLEARLY STATES ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( a ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, This agency in clear violation 15 U.S. Code 1681 and 15 U.S. Code 6802 These laws state that its illegal to report transaction history without my consent, with I did not give to EXPERIAN or XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 I paid off my entire balance with Capitol One credit cards. Two weeks later Capitol One credit Charged me XXXX in interest on a balance I already paid off. I called them on XX/XX/XXXX to complain about the charge. They would not remove it. In fact, they were hoping I would miss the payment so they could assess me a XXXX fee. In essence, they could not only charge me interest on the XXXX but also charge me the fee and add interest to that. When I pay a balance in full I assume I am done paying. The first customer service representative I spoke with hung up on me after I requested a manager. I called back and got a Manager named XXXX. He would not give me his last name. He told me his ID number is XXXX XXXX. He would not remove the interest charge. This is a scam.
Product: Money transfer, virtual currency, or money service

It has been more than a month the wired transfer internationally to the bank and has not released. 

The bank hold the money for more than 6 weeks and requested 4 documents to be signed and notarized.

After 6 weeks bank informed me that the money returned to the sender without providing any reason or form of verification document. 

No the sender has not received the returned wire and Wells Fargo does not provide me any letter or document so i can provide to the sender