23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint to bring to your immediate attention a matter of utmost concern regarding the inaccurate reporting of my credit information. Despite multiple attempts to address and rectify the situation, I am still facing serious discrepancies in my credit report, which are adversely affecting my financial standing. I am extremely annoyed and frustrated by the repeated negligence in addressing my disputes. The inaccurate information on my credit report is causing severe damage to my creditworthiness and overall financial well-being. I demand an urgent and thorough investigation into this matter. It has come to my attention that these accounts contain late payment markings that are not accurate. The late payments were a result of an error made by the bank in sending statements to the wrong address. The bank has acknowledged this mistake and has agreed to update the accounts to " open/never late '' and remove the late payment markings. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATION/XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00}, and DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX Also please take note that I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXXDEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXXDEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was on my background check for employment : Court Searched Distric t And County Co urts Case Type Conviction Case Level Misdemeanor Case Status Closed Case Offense Date  XXXX  Offense Type Misdemeanor Offense Description   XXXX   XXXX   XXXX   Disposition Date  XXXX    Disposition PLEA NOLO CONTENDER Outcome Conviction 1. Sentence Type : Jail ; Sentence Length : 120 Days ; Consecutive/Concurrent : Consecutive 2. Sentence Type : Probation ; Sentence Length : 12 Months ; Consecutive/Concurrent : Consecutive Number ( 1 ) did not happen.
Only number ( 2 ) did ; plus it was 17 years ago!
Product: Money transfer, virtual currency, or money service

I thaught I was investing with two repitable componies, but found out that these companies were scam. The fundings were all done through CashApp. After finding that these companies were scam I tried to get them to return my funds. upon being unsuccessful in acaaiving my {$7900.00} tryed to commumate to CashAPP about my problems. CashApp refuse to provide me an email or a way to explain my issure about these two companies as to why they need to return my funds. 
they so no interest. this is why I must report this complain.
Product: Checking or savings account

I opened my Revision Learning Square account in XX/XX/XXXX to continue invoicing customers under my new business. ( I was a sole proprietor before. ) After sending my first Revision Learning invoice for college admissions services, I decided to also open a Square Business Checking account and Square Business Savings account shortly after. On XX/XX/XXXX, I got an email from Square notifying me that my account had been suspended ( no reason specified ) and access to my funds had been locked. It linked the Square Payment Terms. The only reason that might fit was that my services are unsupported. This is confusing, as I provided more than $ XXXX of the same service this past fall without any issue. I also know of several other people who provide the same services without any issue. I wouldve been happy to provide additional context about these services if Square had reached out to me ; instead, they suspended my account without any warning. I reached out to Square multiple times in the past month for clarification and was repeatedly told to refer to the email ( which did not explicitly state the reason for suspension ). I was also told to only email, as phone calls are reserved for customers with an active account. However, whenever I email ( I've tried numerous times at this point ), I get a clearly copy and pasted response telling me to refer to the email on XX/XX/XXXX. I do not want to do business with Square moving forward. However, I am concerned about the $ XXXX of my business 's money that is locked in my Square account until XXXX. Most of this money was transferred into my Square Savings account and not even processed by Square. It is essential for me to have access to that money to continue running my newly-opened small business. Attached is a letter I sent to Square within the past month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

XXXX Trans Union and XXXX were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to my credit.
Product: Credit reporting or other personal consumer reports

The fact is that i have not received any statements from capitol one since XXXXXXXX XXXX XXXX, noticed a 60 day late payment and contacted capitol one, I was told that the account was set up with an electronic statement to be emailed. Never received those statement 's. This practice does follow USC 1637 nor USC 1666b.The none receivable of any statement 's, caused XXXX 60 day late payment. Never have been late in the history of all creditors. EVER!
Product: Checking or savings account

On XX/XX/XXXX, I opened a Schwab Investor Checking Account and Brokerage Account together through their online portal. Within the same month, I deposited {$500.00} via ACH from XXXX and a separate {$500.00} via mobile deposit from XXXX XXXX into the Schwab Investor Checking Account. Both the XXXX XXXX and XXXX accounts were my own personal accounts ; I deposited money from both source to ensure that the Schwab Investor Checking Account was funded. 

Prior to XX/XX/XXXX, I received noticed that my account had been suspended before receiving the formal notice through mail. I was informed that the fraud investigation could take up to 60 days. I checked on a roughly weekly cadence to see if the investigation was completed. Each time I called in, the customer service representative simply responded that the fraud team was investigating and there was nothing that they could do outside of email them ( which I asked them to do to no avail ). It has now been over 60 days and Schwab still has my funds ( {$1000.00} ) effectively XXXX. I do not believe this is fair ; I have effectively given Schwab an interest free loan for the past 2 months now. 

Furthermore, on calling to see if I could have the funds returned to my bank accounts, I was informed that they would mail a check to the address on file. I have since moved so that address is no longer valid, but I have no way of changing my address at all. Consequently, I now have to hope that the mail forwarding I spent my own money to set up via USPS works correctly or I stand to lose {$1000.00}.
Product: Debt collection

I have received written correspondence from three different collections companies over the past 4 years trying to collect on a Credit Card Debt. The debt has been sold Original Debtor Listed : XXXX XXXX XXXX  XXXX XXXX 1st Collection  Company  : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2nd Collection Company XXXX XXXX , XXXX XXXX , MO XXXX Current Collection Company Resurgent Capital Services LVNV Funding LLc
Product: Checking or savings account

On XX/XX/2018 me and my wife { XXXX XXXX XXXX & XXXX XXXX XXXX } open an checking account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX after three day later XXXX XXXX tried to conduct banking business on Monday XX/XX/2018, XXXX XXXX was then informed by the teller that our checking account was suspended. she { XXXX XXXX } then consulted with XXXX XXXX Assistant Branch manager for further information regarding the account, XXXX XXXX reach out to account recovery department, and they informed her that " XXXX XXXX XXXX have a XXXX XXXX dollars that have been charge off by the bank '' XXXX then informed me { XXXX XXXX XXXX XXXX I then reach out to account recovery and branch manager XXXX XXXX they informed me " we can not give you that information and we can close your account without given any reason 's " Account Recovery Department informed me that " if you removed your self from the checking account XXXX XXXX XXXX can continue to have her checking account " on XX/XX/XXXX XXXX we have received letter by mail stating ; " We have blocked the accounts ( s ) above and will close it soon. We're doing this because of recent activity on the account ( s ), or because you didn't provide information we requested " reason 's  given by the bank was not accurately given. there was no fraudulent activity on the account and we have provided all the information requested, Chase bank is continually refusing to address my concerns first, XXXX XXXX dollars was included in bankruptcy eight years age, secondly, refusing to give reason 's why Chase Bank does not want me on the account. It appears that Chase Bank is engaging unfair discriminatory practices and mistreatment, this is violation of my civil rights Title 18, United States Code, Section 242
Product: Credit reporting or other personal consumer reports

Discover Home Loan, Discover Financial Ser, and Discover XXXX pulled my credit without my permission on XX/XX/2024 Please remove the inquiries and pulls from my credit.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my TransUnion consumer report that I did not authorize and Ive called TransUnion and they say they dont dispute inquiries, and that inquiries are factual they are on my my credit report and they are not mine Im requesting them the XXXX inquiries to be deleted immediately! By law they are not supposed to report inaccurate information.if they are not deleted I will seek legal action against them.
Product: Vehicle loan or lease

I received an alert from XXXX that there was a hard inquiry on my credit report requested by Bank of America for an auto loan. I have not applied for any loan and someone else is using my identification and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

My wages are being garnished  by Diversified Collection Services Inc. They g ive me a number to call  XXXX , that number tells me to call the  XXXX .  XXXX  tells me to cal  XXXX  and we go in an endless loop. Before my wages were garnished I was never told how much I owe, nor how to get a copy of records relating to the loan, nor how to enter into a voluntary repayment schedule, norhow to request a hearing on the proposed garnishment. My balance has seemingly gone up, even though my wages have been garnished going on 7 YEARS. I just want to know if my balance is going down or how much interest I owe. ANY information at all would be wonderful, but I get nothing. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Equifax, XXXX, XXXX and XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I 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

I have a BK XXXX that was filed in XX/XX/XXXX. 
We subsequently filed a Ch. XXXX in XX/XX/XXXX and paid it off in full. 

However, we went before the court in XX/XX/XXXX and went before a judge and was granted the removal of the Ch. XXXX since we went for a ch. XXXX. 
We are requesting that the Ch. XXXX be taken off of our public record part of credit report. 

It is the only negative mark Thank You XXXX & XXXX
Product: Debt collection

On XX/XX/2023 I submitted a complaint for Mandarich Law Group LLP regarding misrepresentation and a alleged debt. On XX/XX/2023 responded to the complaint with false and misleading information. Mandarich Law Group LLP, has yet to resolve my issue or comply with my request. In page1 of MLG response paragraph 3. Findings and results thats i have attached. MLG states that I misinterpreted title 15 U.S.C 1692e ( 3 ) that MLG never claimed to be a debt collector. If you take a look at exhibit A submitted by MLG of MLG response it clearly states on the first line under my personal information that " Mandarich Law Group LLP is a debt collector, trying to collect a debt ''. There is no misinterpretation. I received a debt collection notice from Mandarich Law Group LLP stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regard to the collection of a debt. Furthermore, if so, it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.
Product: Student loan

Navient has created obstacles during my repayment by providing me bad information. They processed a large final payment, told me the payment went through, and congratulated me on paying off my loan. Later, they charged me interest and a late fee after they made a " payment reversal '', claiming the bank account number given to them was incorrect. Also, Navient does not show my XXXX Loan Forgiveness of {$5000.00} is removed from my loan, nor can I find it anywhere in my account history. I called and expressed my concern and on the third time, they removed my account history for a few hours before re-posting it. Navient has also sent me emails of incorrect amounts due on my bill.
Product: Mortgage

I have applied the Mortgage from XXXX because one of my friend is going through refi. She asked to apply online with out talking and understanding my situation. I did and submit all the document requested. after that they are actually sitting on my file for 3 weeks after that they asked me to pay {$1000.00} fees. for Loan processing. I paid it with my credit card. up to now they did not even open my documents. after that almost in XXXX i have started following up but they keep saying me we will get back to you next week since they have done credit check to me I really dont want to shop around. somewhere in this time period appraisal calls me he want to see from inside two appraisal is needed I was not aware of it. I called her she said take less credit and I will do one appraisal. not sure how it works I was ok with it. 

In XXXX when I asked her what is going on I am waiting for almost 4 months I need to close another loan which is due soon she say it will affect your XXXX since you are using HELOC to pay the loan. It was coming around 46 %. none of her team member have any idea on how dti is calculated including XXXX. I tried to explain but it did not help. Not sure how these people get lender license. Now I have wasted 5 months and XXXX and credit pull. 


As of now I am working with XXXX XXXX which is giving me better rates than her and they think XXXX is around 41 %. which is about right. 

Lack of response is there for at-least 3 more people I referred to her
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. 1. XXXX XXXX XXXX Account number : XXXX. XXXX : XXXXXXXX XXXX XXXX Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to properly investigate item on my credit report. Other 2 agencies found it not to be mine ; all TU will do is send me a generic postcard with how they investigate ; they send no proof ( because there isn't any ) ; they are violating my rights and NEED TO BE FINED {$1000.00}. This has gone on for MONTHS. Acct : The First, XXXX # XXXX ; XXXX XXXX XXXX, XXXX MS XXXX. States payment of XXXX/mo resulting in chargeoff XX/XX/2020. This is not my acct. Only TU states it IS my acct. Yet they furnish NO PROOF. I have followed the process, certified mail, etc., they only send back a preprinted generic postcard. THIS VIOLATES FCRA. 

I have contacted them so many times. They make it as hard as possible, for example, shutting down all FAX communications, very hard to reach them by phone. I do have ALL my certified mail receipts and copies of all correspondence. 

WHAT THEY ARE DOING IS FRAUDULENT, claiming they investigated when they did not.
Product: Credit card

I got a fraud phone call around XXXX XXXX on XX/XX/year>. Someone pretends an employee from security department from American Express Credit Card. She had my last month statement ( or even some recent transactions on my credit card ), my cell phone number, my land phone number. She then asked me to provide my social security number and Mother 's Maidan name for security check. The number she called from was XXXX. And then she asked me to add call to another number XXXX. She said her name is XXXX XXXX. She also said to increase my security protection, I need to go through an ID verification process by visiting https : //amex.idkit.co/c6879d421eca6a87b330f9bbccb7e9bf and upload my driver 's license. They send this link vis the phone number XXXX. 
Afterwards, they made 13 fraud transactions with my credit card.

I called AE directly around 7 pm to report these fraud transactions.

I am very concerned and afraid that all my personal information were in their hand. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing this complaint regarding Barclays Bank Delaware. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020.