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

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date :  XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - XXXX National Credit Card Cos.

Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a home loan with Ditech Mortgage. The process was pretty sloppy, I received multiple documents referencing different amounts due @ closing among other discrepancies. They even had to send the notary back out because they missed a document. The most challenging issue was when my first payment was due. I was told by the originator that my existing automatic payment setup would rollover to the new loan and no action was required for my payments to continue to be made automatically. Turns out that wasn't true. 

That led to a late payment being made. As soon as I was aware of the problem I brought the account up to date. 

I immediately phoned Ditech, attempting to get my despite escalating with Ditech 's customer service organization I was repeatedly told there was simply nothing they could do, despite the refi and my stellar payment history with the firm. They took no responsibility for their actions.
Product: Money transfer, virtual currency, or money service

The company CashApp had closed my account at around XXXX of 2023 and was not given a specific reason, except that I had violated the terms of the agreement. I reviewed the terms several times and did not see what it could have been that I violated and when asked, was told that they could not give that information.
Product: Student loan

The original loan amount was {$3200.00}. I requested a refund of payments made during the XXXX student loan pause ; I had {$900.00} remaining and had paid {$2300.00}. Refund checks were dispersed on XX/XX/XXXX, and duplicate checks were dispersed on XX/XX/XXXX. On XX/XX/XXXX, I deposited an amount of {$2300.00}. I received a call from a NelNet representative asking me to destroy the extra checks which I had already done. On XX/XX/XXXX, I received a letter about the duplicated checks with instructions to make a payment of duplicated or mail the checks back. On XX/XX/XXXX, I called NelNet to inform them of the prior phone call and to let them know I destroyed them- they said they would make a note so the duplicated refund wouldn't be charged to my account. 
On XX/XX/XXXX, I checked my account to see a balance of {$5600.00}, when it should've been {$3200.00}. NelNet added an extra {$2300.00} to my account because I destroyed the checks and assumed I deposited!! I called NelNet, and they said they submitted paperwork about the error, and I will be reached out to in XXXX days. on XX/XX/XXXX, I received a missed call from NelNet, and called back to find there was no new information and they were still " investigating. '' On XX/XX/XXXX, I called NelNet again, and the XXXX said she opened a ticket for accounting to specifically investigate. She said to expect XXXX weeks for the issue to be fixed. It is now XX/XX/XXXX, and my account still has an incorrect balance of {$5600.00}. 
I have the checks I cashed ( only {$2300.00} ), and statements proving so. NelNet needs to remove the extra {$2300.00} from my account ( restoring it to {$3200.00}, prior to any payments made in XXXX ) as it was never paid out. They can trace the checks to determine this is true. This should not still be a problem a year later when the mistake was on NelNet from their miscommunication within the company and to customers!!
Product: Credit card

I received an email with my online statement from a credit card I have not used in 3 years. I called the credit card company, described the situation, and they miscoded the claim so it was not put in as a fraudulent charge. I have received statements every month, and have called every month to verify that the charges were being looked into as fraud, and each month I have been told that they were incorrectly coded, they were fixing the issue that day, and I should n't worry about statements as the investigation was continuing and could take up to 60 days. Over the last week, I was receiving calls from a collection department because I was n't making the payment toward the fraudulent charge! I went through the process again yesterday, and called back today just to see if the person I had talked to yesterday had changed my account, and the man I spoke to today still had to make changes to the account. I ended up having to ASK him to listen to my past 5 or 6 calls with the company and get this fixed so I would not be in collections for THEIR mistake!
Product: Credit reporting or other personal consumer reports

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Product: Money transfer, virtual currency, or money service

In XX/XX/2020, I sold a cycling shoe to a buyer, in-person, through XXXX XXXX. The customer asked me to use PayPal. 
I sent buyer the link for payment by e-mail, this way he could pay using his credit card through PayPal. And he did it. Immediately the payment changed from OPEN to PAID, and then to PENDING - Processing time XXXX hours. 
The buyer picks the shoe up and left, since we both believed that in matters of time to complete the payment. 
Listed on Marketplace XXXX : XXXX : XXXX Paypal Transaction ID : XXXX A complaint was opened with Paypal last XX/XX/2020. 
Paypal replied back asking the buyer to confirm the receipt of the product. 
However there the customer does not have an option to add the information on his app side. 
The buyer tried to cancel the transaction to pay me in cash, but the credit card administration said the money was already taken by the merchant ( Paypal ). 
Paypal app/website still with the payment on " pending ''. 
No other option from Paypal was given to me to receive the payment.
Product: Debt collection

I spoke with a representative at XXXX XXXX about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion allowed an unauthorized hard credit inquiry on my file - WHILE ME CREDIT FILE WAS LOCKED!! 

I contacted TransUnion and was informed that the manner in which the inquiry was submitted said it was authorized. It was not. Had I not caught this error, an unauthorized loan would have been issued to someone other than me! 

If TransUnions systems allow this they are clearly not actually locking the file, and therefore misrepresenting their service. 

I am working with the fraud department of the requesting institution to have this inquiry removed - something I shouldnt have to do because my file was supposed to be locked! 

Their practices need review.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 proces 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 these violations
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Bank account or service

On XXXX/XXXX/2016 my XXXX payment was deposited into my liquid account ( ending inXXXX ) in the amount of {$2000.00}, I was able to transfer the funds into my personal checking account that morning, that account was negative {$3.00} I believe ( I assumed the funds were already paid once I made the transfer. Now that Friday XXXX/XXXX/16 morning when I checked my account, there was an additional {$2000.00} ( acct ending in XXXX ). I thought another deposit was made, because I was able transfer those funds successfully. At the time all these transfers were going on from my mobile phone, I did n't notice I did n't have my debit card, now we are at {$4000.00} plus my paycheck from my job {$520.00} that was deposited that Friday XXXX/XXXX/16. Now me being a single mom of XXXX whom just moved away from a XXXX situation, was once at peace because I was going to be able to pay all my bills on time for once in my life. Then suddenly when I check my account on XXXX/XXXX/16 I 'm negative - {$320.00}, so I became furious because I just setup all me e-checks to come through that following week. I called the customer service, they said I would need to go into a branch, I went into the branch and they pretty much said they cant do anything at the store level unless I was making a deposit to cover the negative so It wo n't accrue a fee. I called back the customer service and at that time I was irate because I did n't have my card and no funds, they tell me it was a " GLITCH '' in there system, even started reading off charges I did n't even make, I filed a dispute which resulted in denial. Now my account is overdrawn {$860.00} and about XXXX of that is in bank fees from my bill e-checks. Since then I closed my liquid account and working on closing my business account, in fear of another GLITCH in their system.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX  Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

I can never log into my account first off second thing is the credit limit was lowered by {$150.00} from {$1000.00} to {$850.00} therefore my payment was and is only paying interest and making my credit look bad as if I over charged my card. I was never notified of said credit decrease. This should be absolutely illegal as it hurt my credit by 10 points and up. My credit reports are showing late payments the late payments are due to XXXX site not letting me log in and from experience I do not pay by phone as I am always charged a fee. What kind of banking institution decreases a credit limit to make the person with credit look like they are a HIGH risk person to give credit to? I'm looking into my legal options with my local court next.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute to Experian, XXXX and XXXX to dispute inaccurate information on my report. after 45 days and no response I contacted each credit reporting agency to ask if they received my dispute. They all confirmed that they did not receive my dispute even though I have proof and tracking that each company did indeed receive my dispute letters. I have attached the tracking receipt with the dates and addresses of the companies. I ask that someone hold them accountable for not taking this matter more serious I have several items that need attention on my report and it has now been two months since I first started this process
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX complaint.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous,3 Credit Bureaus have dishonored FCRA XXXX and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting Incorrect addresses and places of employment, addresses I have no knowledge of at all.
Product: Mortgage

XXXX XXXX from Wells Fargo is working on a response to my complaint, I want an explanation of why Wells Fargo would hire an appraiser outside of the County I live in to appraise my home, I want that question answered. This is relevant because if you go to their Website, that is one of the questions they ask you, what County you live in, if it weren't relevant then that would be a question they shouldn't ask and frankly they could hire an appraiser from another state and I wouldn't know it and what would that appraiser know about where I live? I still feel this is fraud. Especially when a mile away is a home appraiser in XXXX XXXX. I want that answered
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been compromised and used without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask for the immediate removal of the following accounts : Fraudulent Accounts : 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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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

I have sent letters to all 3 credit bureaus and none of them have replied in 30 days
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Navy has been battling for 203 weeks with banking quirks due to a system upgrade. they knew there were issues. now they are still hiding the issues and refuse to work with customers. direct deposit checks are not processed. money is withheld by nfcu ( interest free money? ) and i still do not have my credit into my account. i need my funds. these types of issues are starting to become the norm for nfcu.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity problem : I was not formerly known nor have I ever been known as XXXX XXXX as listed under my identity Part 7. Personal Information with Equifax Personal Solutions : Credit Reports