23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A phone call was made on XX/XX/XXXX, to General Business Recoveries ( GBR ) regarding a medical Debt from XXXX XXXX XXXX ( XXXX ) in the amount {$150.00} from the year XXXX. 
I verbally disputed the debt then GBR rebuttal with a 'financial agreement ' signed by myself in which a copy was sent via USPS mail from GBR. I indicated to GBR I have not been to XXXX since XXXX or XXXX and any monies owed were paid in full. During this phone call GBR Recovery Specialist XXXX Ext XXXX made the threat to enter this debt on my credit report. 
Shortly, after disputing the debt verbally, a copy of the 'financial agreement ' was received via USPS mail from GBR. Despite the fact I verbally disputed this debt, GBR proceeded to enter this debt on my credit report. Another phone call was made on XX/XX/XXXX. I asked GBR Recovery Specialist XXXX Ext XXXX several times will the debt be deleted on my credit report as I did not owe any debt to XXXX, and why wait six years later to try and collect an invalid debt. I also stated the 'financial agreement ' was not a binding agreement specifically to this debt of {$150.00}. XXXX. The signature signed from XXXX is null and void. I declined itemized billing as I do not agree with the billing and due to the age of the bill as I can not verify anything with one of my insurances as XXXX no longer has the XXXX  contract. GBR Recovery Specialist XXXX Ext XXXX replied, that this is not going away. I asked several times would this debt be taken off my credit report, to which XXXX Ext XXXX refused to answer the question and hung up the phone without responding to my question.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$350000.00} to CITIZENS MORTGAGE Bank XXXX MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX XXXX ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument.

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX
Product: Credit card

Still playing XXXX about my privacy. I want my balance history or anything off permanently. The months I have suffered through the balances affected my ability to get loans.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and was aware that there is an inaccurate account that is reported incorrectly on my consumerr report. XXXX XXXX is listed as a collection, I do not owe this debt and this debt should not be reported on my consumer reports.
Product: Debt collection

Back in XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft, I have charges from a student loan that were not mine, they told me that I owe them {$10000.00}, and I do not, I have long since disputed the charges on my credit report, they closed one account, the name of the company is ACS and XXXX, it's been difficult cause I have been calling them and letting them know it wasn't mine, I paid back one that I got from the University XXXX XXXX, it was only {$1700.00}, the rest resulted in erroneous charges that came out of nowhere,
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by Allied Interstate LLC that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. Allied Interstate is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue teaching ; financial, personal, and professional sacrifices. Please rectify this issue.
Product: Credit reporting or other personal consumer reports

I extend my appreciation for your previous efforts in addressing certain fraudulent items in my credit file resulting from an alleged identity theft. However, it has come to my attention that specific items persist, requiring additional attention and resolution. This marks my third complaint, wherein I declare myself a victim of identity theft and submit a dispute for the remaining items in my file associated with this crime. I wish to underscore that the contested items bear no relation to any transactions involving the acquisition of goods, services, or funds that I have personally authorized. I kindly request the removal of the reporting of these distinct items from my credit file, attributing them to the alleged identity theft. For your reference, I have provided the relevant details below : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -- -TRANSUNION -- -- XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. These items were previously unknown to me, and it is noteworthy that the information you provided on them has already been deleted from other bureaus. Consequently, I harbor doubts about the accuracy and reported history of these items in my credit file, as outlined in accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX picture came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.
Product: Student loan

I was enrolled in an institution named XXXX University. The institution was taken over by another group name XXXX University. At this time, the institution worked with a private loan provider, securing false loans for students. I reported this information to the police department in New Hampshire and shared this information with Navient representatives, still no conclusion. The Navient representatives are not responding to my letters, calls and information. I have sent them information from the police department, complaints and etc.. I am not responsible for those loans with XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has made false & misleading information in regard to their policy of identity theft items in ongoing disputes. I've provided an police report stamped by an officer & the items are not blocked nor removed the consumer report which violates FCRA 605 ( b ). The item disputed should've been blocked within 4 days. It is not therefore they have violated Fair Credit Report Act. 

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Product: Mortgage

2 Years ago, after settling with modification. Agreement was made to pay XXXX per month instead of {$850.00}. This month the loan got sold or transferred to another provider, with out us knowing. The amount We paid in a two year period was never applied to balance. This bank deceived me into paying XXXX knowing they would sell their note to someone else.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against JPMCB ( Chase Bank ) for violations of the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies and improper reporting practices on my credit report that I believe contravene the FCRAs requirements for accuracy and completeness. 

Unauthorized Change of Account XXXX : JPMCB changed the name of the fraud account that I have already complained about and reported this change to the credit bureaus without notifying me. Seems as if they are trying to find a way too continue reporting this fraudulent account. This action has resulted in confusion and potential inaccuracies on my credit report. According to Section XXXX ( a ) ( XXXX ) of the FCRA, furnishers of information are required to report accurate and complete information. Changing the name of the account without my knowledge could lead to inaccuracies and misrepresentation of my credit information. 

Duplicate Account Reporting : JPMCB has reported the exact same account twice on my credit report. This duplicate reporting is a clear violation of Section XXXX ( a ) ( XXXX ) of the FCRA, which mandates the accuracy and integrity of the information provided to credit bureaus. The presence of duplicate accounts on my credit report inaccurately reflects my credit history and can negatively impact my credit score. 

Specific Violations Violation of Section XXXX ( a ) ( XXXX ) : By changing the name of my account without informing me, JPMCB has potentially reported inaccurate information. 
Violation of Section XXXX ( a ) ( XXXX ) : By reporting the same account twice, JPMCB has compromised the integrity and accuracy of my credit report. 
Failure to Notify : JPMCB did not notify me of the change in the account name, which can be argued as a failure to ensure transparency and fairness. 

I request that the CFPB investigate these issues and take appropriate action to ensure that JPMCB corrects these inaccuracies. Specifically, I request that : JPMCB removes these accounts from all credit bureaus, and also hrequest the cfpb, the XXXX and the occ to help me with a civil lawsuit against them to ensure similar issues from occurring. 

I have attached copies of my credit reports with the accounts showing multiple times as well as the name change.
Product: Checking or savings account

On XX/XX/2024, a series of fraudulent transactions totaling {$5000.00} was withdrawn from my Ally Debit card to a XXXX account I had used in the past but had not seen any activity for almost a year. I immediately called Ally but was told nothing can be done until all the transactions are posted. I then called the next day to dispute the transaction as fraudulent. Also, on XX/XX/2024 {$4500.00} was withdrawn from XXXX and stolen to a unknown debit card. Despite XXXX 's Security Guarantee they have refused to reimburse for the theft without explanation. Ally has also refused to offer any reimbursement because I had " a relationship with the Merchant ''. This is in direct violation of the Electronic Fund Transfer Act. Since the bank was notified of the fraudulent Debit card activity immediately, my maximum liability by law is {$50.00}. Ally has refused to offer any avenue for appeal or describe how or why they made this incorrect decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my Equifax Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

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

I am filling a complaint against Cash App ( BLOCK , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectiveness measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their 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 these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion proof that these accounts do not belong to me. After I have sent everything that they requested and I have proved that this account is not mine, they continue to report this information. The first response was some computer generated response as if they did not read what I was sending or looked at the information. TransUnion these accounts are NOT MINE.
Product: Mortgage

My situation began in XX/XX/2021 ongoing, amount in question a little over {$10000.00} accumulated during covid19 the national pandemic. I have made numerous calls to loss mitigation as directed with XXXX XXXX to workout post forbearance payments. There has been no attempt to assist based upon the terms and options available to retain my home.
Product: Credit card

Paypal Credit ripped me off. Signed up for a credit account that was " No Payments and No interest on purchases for 6 months ''. I made a charge of {$1500.00}. Two months later, I purchased something for {$50.00}. I was charged interest on the {$50.00} charge. I found out after calling Paypal Credit that " if I read the fine print '', I would have seen that the " promotional '' 0 % was only for purchases {$99.00} and up. However, they did NOT make that clear when I made the {$50.00} purchase. If a credit card company is advertising " No Payments and No Interest for 6 months '', the assumption to any consumer is that is the case. As someone who has a stellar credit rating ( because I watch my fiances like a hawk ), this should not have gotten past me. So, I can only imagine consumers who do n't look as carefully getting ripped off by these crooks otherwise known as Paypal Credit.
Product: Debt collection

When I found out about this debt, I worked out an agreement with the collector to pay back the amount owed. I asked the company to allow me the Servicemember 's Civil Relief Act to reduce the interest rate. The company denied my request even though I submitted my active-duty orders via the email address I was given, XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds immediately stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( 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 investigations. Problem accounts being XXXX XXXX account and XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX has negatively reported to both XXXX  and XXXX bringing my score down XXXX points. I have been paying on this account since the first bill came last year. I have the payments to the XXXX XXXX XXXX sent automatically like i do for all my other medical bills. I desputed with XXXX  and they removed permanently. XXXX  recent decision on my despute said the account stays negative on my filing. I've requested they permanently remove it because i have been paying on it since last year. Again, I'm requesting. Now from cfpb to remove and delete permanently like XXXX   did, since XXXX  refuses to help me with this matter. I have never negated to pay which is why i set up auto payments and dont think its fair they collect my money every month and yet still report negatively on my credit bearau i have so responsibly worked so hard to maintain my entire life. Thank you
Product: Checking or savings account

On XX/XX/XXXX Simple Bank, subsidiary of BBVA USA, informed it's customers via email that BBVA had made a strategic decision to close Simple Bank, and to absorb it's customers into BBVA. Simple bank accounts were technically already BBVA accounts on the backend, so we were promised in the email : " We want to assure you that we are committed to making this transition as smooth as possible for you, and that we will provide ongoing transparent and open communication, so you know what to expect each step of the way. ". 

Regular reminders were emailed to Simple customers about the account transition. BBVA had months to plan the transition. The genius executives at BBVA decided to set the transition to happen on a Saturday morning. BBVA online customer service apparently does not operate on weekends. Predictably the transition wasn't smooth like we had been promised multiple times over the course of months. Unpredictable was how badly they messed up the transition. The majority of Simple accounts were messed up and the accounts were locked with no actual way to unlock them given because the phone number they gave us immediately hung up whenever called for the last 3 days. The phone line worked today, only for the customer service rep to tell me there was nothing she could do to help and to call later. So most customers have been locked out of their accounts unable to see what is happening with their finances for going on 4 days now. In a pandemic I might add. 

BBVA 's XXXX @ BBVA_USA has been on damage control for the last 4 days offering very little other than empty apologies and phone numbers you can call and get hung up on. They claim unexpected customer account creation crippled their system. Sounds reasonable enough, until you realize that since they owned Simple Bank, and Simple Bank actually used BBVA banking accounts on the back end .... they had all the information they needed knew exactly how many customers were going to need to make accounts the day of the transition. No steps were made to make it happen smoothly. No support staff was ready for the transition, no extra staff was scheduled to help with the inevitable issues, no system put in place to stagger the account creations required for the transition over hours or days, nothing. They just turned off Simple 's servers, locked us out of our bank accounts, and keep saying how very sorry they are and how unexpected it all was.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. XXXX, XXXX, and Equifax is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental anxiety due to being declined credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMP
Product: Debt or credit management

Worked with them from XXXX. 
Overcharged me multiple times, and didnt repair my credit. 

Reached out to the company multiple times and couldnt reach an agent.