23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on a home equity line of credit on XX/XX/. At this time, US Bank stated that I was required to pay off three outstanding credit cards in order to receive the HELOC. I had stated at this time, that I did not recognize one of the accounts and did not have a credit card with XXXX XXXX XXXX XXXX. The loan officers said that it did not matter, that I was required to mail the check anyway. I mailed the check after it arrived via USPS. The check was allegedly cashed on XX/XX/. I called XXXX XXXX, XXXX XXXX, and US  Bank to locate where the funds were deposited, and none of the banks could provide me with information. XXXX XXXX and XXXX both said I did not have an account associated with my name, SSN, or date of birth. They could not locate where the check was deposited if I was not an existing customer. US Bank said they can not locate a check or what account it was deposited into after it has been cashed. As of XX/XX/XXXX  - the check for {$750.00} is missing and unable to be located.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : OAG CHILD SU Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

Since XX/XX/XXXX when I received a copy of my credit report I noticed I have a XXXX account sent to collections for an account #, phone # & debt amount {$660.00} I never knew about or have had, I tried to contact XXXXS financial dept, fraud dept, etc. & keep getting transferred from one department to another & getting the run around on this matter. I have had my current account # & phone number since I first received my services with XXXX XXXX in XX/XX/XXXX nothing has ever changed/added to my account it has been the same since. I have all my bills since when I first got services with XXXX XXXX on the same account # & phone # not once did I receive a payment with that other account I never had any knowledge of.
Product: Student loan

I've filed multiple complaints against Navient to stop attempts at collecting my default private student loan until the new year begins. I'm still being contacted via email to call Navient to discuss repayment options ( the first email was received today at XXXX XXXX  on XX/XX/2020, from XXXX XXXX XXXX, who is a Team Lead- Post Default agent with Navient 's Recovery Department ). This is a direct violation of their agreement to not pursue debt collection until after the new year because of being impacted the Covid-19 pandemic. But for some reason they feel a need to break this previous agreement and pursue repayment options. Somehow I'm not surprised though : they seem incapable of keeping any agreement they make with their borrowers.
Product: Debt collection

NCA is claiming that I owe them {$130.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX CARD SERVICES XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/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

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/year> and status of account charged-off XXXX written-off XXXX past due as of XX/XX/year> but this account has been paid-off. so do your investigation and do the necessary update to this
Product: Credit card or prepaid card

They refuse to let me use my card that I was approved for give me hard time this isnt fair what a horrible bank and experience they wont let me use my account
Product: Student loan

I have received your denial letter ( body noted below ), and Im confused. On three separate occasions ( XXXX, XXXX, and XXXX ) when I spoke to your representatives via telephone, I was told everything was good to go, and to halt continuing making payments, because I would just get this money back anyhow, and it would mess things up if a payment was made after approval. I have been making payments since XXXX, when you said that I needed to be making payments of {$580.00} per month to accumulate 12 months of payments. With the advice of YOUR employees, I halted my XXXX payment. Now Im told by you that I am supposed to make these. This is extremely confusing and frustrating. 

According to the CARES Act, dated XX/XX/2020, months during the pause will continue to count toward the 120 payments required by the Public Service Loan Forgiveness program if the borrower works full time for a qualifying employer during the suspension period and also toward payments that are required to receive forgiveness under an income-driven repayment plan. 
I am seeing data that states that I had to already be in an income-driven repayment ( IDR ) plan prior to signing of this bill. Is this the reason for the denial, or is it as your employees stated to me, that I am automatically included in this? But since I am actually NOT in an IDR ( just the equivalent ), does this even matter?
Product: Mortgage

While working to refinance my mortgage, I checked several companies to find out their rates and serving fees. I followed up with 3 companies ... my original loan provider was XXXX and 2 others I assumed were recommended by my credit union, XXXX XXXX and Amerisave. My understanding was that I would put down a deposit of between {$500.00} and {$450.00} which was refundable if I chose not to go with their company.

Only one company, Amerisave refused to refund my deposit of {$500.00}. They originally told me that I would not have to go through an inspection, since I already had a recent inspection ( less than 3 years ago ). Then another representative the following week called and said I would have to have one. I let them know that I did not want to go through with the loan if it required an inspection. This would make their servicing fees as expensive as the other companies. 

Today XX/XX/2020, I reached out to the agent and was told the {$500.00} was an inspection fee that was nonrefundable, even though I did not go through an inspection. I told the agent I would not be going through with the loan and wanted the {$500.00} returned to my account, he refused. No other company I have worked with has charged me for servicing of a loan I have not gone through with and with no servicing of an inspector.
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington , DC XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Aggressive Complaint Regarding Continued Violations by Equifax Dear Sir/Madam, I am writing to express my profound frustration and dissatisfaction with the ongoing malpractices exhibited by Equifax, particularly in light of the recent order by the CFPB requiring Equifax to pay {$15.00} XXXX for its improper investigations of credit reporting errors. It is unacceptable that, despite this ruling, Equifax continues to engage in practices that blatantly violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. 

As evidenced by my recent experiences, Equifax has failed to conduct adequate investigations into disputed information in my credit report. Attached is a letter from XXXX XXXX XXXX, demonstrating that they updated my information and reported it to all three credit bureaus. Despite this, Equifax has continued to report inaccuracies that do not reflect my true credit history. 

It is astonishing that Equifax can disregard the requirements set forth by the FCRA, which clearly mandates compliance and accountability in the handling of consumer credit information. The blatant willful noncompliance exhibited by Equifax not only undermines consumer trust but also causes significant harm to individuals who rely on accurate credit reporting for their financial wellbeing. 

Under 15 U.S.C. 1681n, I am entitled to actual damages incurred as a result of these violations. The lack of thorough investigations into disputed information has led to adverse effects on my credit score and financial opportunities. It is imperative that the CFPB and FTC take immediate and decisive action against Equifax to ensure they are held accountable for their continued negligence.

I urge you to pursue this matter with the seriousness it warrants and to enforce the necessary measures to protect consumers from Equifaxs ongoing misconduct. The time for leniency has passed ; Equifax must be made to comply with the law and restore integrity to the credit reporting process.

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

Received a notice that my account with XXXX XXXX, XXXX. had been turned over to Credit Management L.P. for collection. I have no business with XXXX XXXXXXXX XXXX and a XXXX search showed a long list of people who have been victims of fraudulent debt collection by XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one charge off entry on my credit report for {$690.00} which is fraud. 

XXXX XXXX XXXX has an account for {$110.00} account # XXXX that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and fraudulent credit cards, Car loan And hard inquiries are in my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

PayPal said my $ XXXX monthly charge would be billed to my credit card first. However, the XX/XX/XXXX transaction took approx {$28.00} from my PayPal balance and then only billed my credit card approx. {$7.00}. PayPal ( via their message system ) refuses to process the transaction properly. They keep telling me to contact the seller.
Product: Credit card or prepaid card

I requested to close this credit card with a XXXX dollar balance. On XX/XX/XXXX I received an email confirming my account was closed. Additionally the account showed as closed in my online account on their website. In XX/XX/XXXX I received a letter in the mail stating they have closed my account due to a past due balance and that past due balance was an annual fee charged on XX/XX/XXXX. 

I contacted Barclay to resolve this but nothing was done and nothing was answered. This is an error by the bank to charge me an annual fee after I closed the credit card and now they have reported me to the credit agencies to destroy my credit!
Product: Debt collection

I did not authorize the following inquiries : Transunion- XXXX XXXXXXXX-XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX- XXXX  XXXX XX/XX/2017XX/XX/2017
Product: Credit card or prepaid card

WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A PREPAID DEBIT CARD WITH OUR OWN MONEY!!! WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! ****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR Starbucks prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! ****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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: Debt collection

XXXX XXXX in XXXX XXXX, Texas sent me to collections for a bill that was already paid for. As a XXXX XXXX veteran, I was told that the bill was going to be covered under XXXX insurance. I told the billing department before any services were being used, that it needed to be covered in full by XXXX before I used their services. 6 months later, I was told that they would cover it and that they would call me back if anything changes. 4 months after that, I received a letter a letter in the mail that I was sent to collections. They sent me no communications that anything was even owed anymore. They have had a lot of turnover in their billing department so this may be the reason why. I was told that I do not owe anything, this account needs to be removed. I was told by the billing office that they would take care of this whether it was XXXX, VA, or they would call me back if anything else was needed.
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX / 2017  I had my ba nk ( Santander Bank ) crea te a Cashiers Check in the amount of $   XXXX for   XXXX   XXXX  so I could invest towards retirement.  XXXX   XXXX  did not cash it because the because the bank put "  XXXX   XXXX  '' instead of "  XXXX   XXXX  ''.   XXXX   XXXX    XXXX   office in  XXXX   XXXX , California tried to send the check back on  XXXX   XXXX , but it was lost in the mail, and we have not received it back. We attempted to have our bank cancel the check and they said they are unable to do so until they have the original in hand. Our fear is that some malicious actor  may get a ho ld of it and attempt to cash it.
Product: Debt collection

A Debt Validation was sent two times to these creditors. It has been over 30 days and I still have not received a response. My current address is provided on the debt validation letter, so they're fully aware of where I am located.
Product: Credit reporting, credit repair services, or other personal consumer reports

CheckR background information reported my license as suspended, and incorrect violations to XXXX. I recently purchased a vehicle on XX/XX/XXXX and obtained insurance. I never received any notification of suspension. From XX/XX/XXXX til XX/XX/XXXX, I hadn't driven or owned a vehicle for there to be any violations on. I first obtained employment with XXXX in XXXX of XXXX and would appreciate not having to deal with actions as a result of incorrect information, that could jeopardize my further employment. My license was renewed on XX/XX/XXXX, and expires on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

**Dispute Report** Date : XX/XX/year> Subject : Removal of Fraudulent Accounts and Hard Inquiries from Credit Report To Whom It May Concern, I am writing to dispute the presence of several accounts and hard inquiries on my credit report, which are negatively impacting my credit score. Below is a list of accounts and inquiries that I believe were fraudulently opened without my consent or knowledge : **Accounts : ** XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX These accounts do not belong to me, and I request their immediate removal from my credit report. Furthermore, I am requesting an update to my personal information on file. Please remove the following business name associated with my account : **Remove Business Name : ** XXXX XXXX XXXX Additionally, I request the correction of my name to " XXXX XXXX XXXX XXXX across all accounts and records. 

**Hard Inquiries Needing Instant Removal : ** 1. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any others that may be present. 

These hard inquiries were made without my authorization, and I request their immediate removal from my credit report as per the law. 

I am enclosing copies of relevant documents supporting my claim, including identification and proof of address. 

Please investigate this matter promptly and provide written confirmation of the actions taken to resolve these disputes. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, Bank of America made the decision to close my account for a undisclosed reason. I gave my account information out to someone over text message. They were asking to pay off my debt, and I was willing to give them that account information, now I think they have something to do with this. The company didnt disclose why they closed the account though, and that really got on my nerves.
Product: Debt collection

I've received MULTIPLE phone calls for months from telephone numbers that are similar to my own so that I feel more inclined to pick up. 

They call themselves " Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX , NY XXXX telephone XXXX '' and have tried to collect a " debt '' from me for XXXX XXXX XXXX in the amount of {$60.00}. I do not, nor have I ever owed this amount and have confirmed with XXXX XXXX XXXX that my account is in good standing. 

I have threatened to report them several times they've called ( and now I'm finally doing it ), but they are persistent and the phone calls turned in to mailed letters requesting payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX