23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I have a student loan with XXXX XXXX XXXX. They sold my loan to XXXX Financial in XXXX. XXXX XXXX is reporting inaccurate information to the XXXX credit bureaus. Claiming that I made late payments in the year of XXXX. I have not made any payments towards my student loan at all. I have been on a deferment plan that currently has my payments on hold. I have called and spoke to multiple people at XXXX XXXX, they have all asked me to turn in any proof of documents that I was XXXX from the year XXXX to now. I have turned in the documents. I have called and I have uploaded those documents to the student portal. XXXX XXXX inaccurate reporting is affecting my credit score. I have let them know that these inaccurate information of payments is affecting me. I have been XXXX since XXXX of XXXX. Since than they are reporting inaccuracy payments. They asked me to send proof so they can remove the errors and correct them. When I do what I am asked they do not take any action to my complaint seriously.
Product: Credit reporting or other personal consumer reports

I found two fraudulent accounts on my credit report XXXX  it was deleted because it does not belong to me credit XXXX number XXXX. It is preventing my ability to pay. 


XXXX loan number XXXX. 

Please remove these accounts from my credit report, they do not belong to me.
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 to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Citibank froze my account in XXXX and requested proof of residential address in order to unfreeze my account. I sent in the requested documentation, and was been told it was accepted and no further action is required. Then 2 weeks ago they froze it again and have requested the same documentation already submitted, except now they will not acknowledge receipt of the documents and will not allow me to close my account. In XXXX I was able to email the documents and get confirmation of their receipt and validity within 2 days. Now they are asking me to fax the documents, which I did a week ago. I was told it would take 24-48 hours to review the docs and unfreeze my account. Today I'm being told it will take 7-14 days to review the docs and unfreeze my account. Each time I call I'm passed from one dept to another and back again and placed on hold for inordinate amounts of time between each transfer. I have spent over 4 hours on the phone in the past 6 days to no avail. I have asked to close the account so I can put my funds elsewhere, and they tell me I have to wait for the document review to be completed before they will close my account. It's like a " who's on first '' routine. These are the same documents sent and accepted in XXXX, and the same ones I faxed last week, but every day that I call the time to review is extended exponentially and I'm left without access to MY money. They have already received the documents and are now refusing to give me access to my money. I have attached the email chain from XXXX and on page 15 you'll see the confirmation of receipt and verification that the account was validated and no further action required on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian always has the incorrect information on my credit report and each time I reach out to them they either never finish the dispute or report back that the company confirmed the erroneous information and just leaves it at that even though I have on occasion provided written proof that the information is incorrect. Since credit scores and information are a necessary part of a consumer 's life any credit reporting agency that fails in their duty to maintain 100 % accurate information should lose it's business license since these erroneous errors can and do cause hardship to consumers.
Product: Credit card

On XX/XX/XXXX I received the letter that I attached that USAA removed from husband from our USAA credit card that we have had for over XXXX  years because they did not have a signed authorization form on file. The letter then states that this account will be deleted from the credit bureaus as well. We opened this card jointly in XXXX. USAA is an online bank so the only way to open anything is online. In XXXX  years I have never been asked to sign or form or have him sign a form for the joint card. I immediately called USAA and the first representative I spoke to could not figure out why that happened, she said even stated that I had never been sent a form. I had to call back multiple times and none of the representatives could figure it out. I explained that we are looking to purchase a home in the future and removing a credit card we have had for XXXX  years will affect his credit score tremendously and they agreed. The last representative stated she would escalate it and have someone call me back. A day or so later I received a call back from someone in their escalation department and she then tried to tell me because we were late he was removed. First of all we have never been late with our USAA credit card on our credit report we have perfect payment history and second that is not what the letter stated. I became frustrated because no one was willing to help me and the damage this is doing is not only unethical it does not make any sense and their own representatives couldnt even figure it out. I spent hours on the phone and made numerous phone calls to have nothing resolved. I asked where I would send in a letter for a complaint. I would have encourage someone to listen to the phone calls so they can hear what I was told. Im not sure how it can be legal to just remove someone from a credit card they have had for XXXX  years and state it is due to not having a form on file that was never sent in addition to us applying for the credit card together in XXXX. USAA is not the same company I have dealt with in the past, they used to care for their members and use to do the right thing. I was told I could add him back as an authorized signer and they would send him another card. It makes no sense and has really effected his credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX internet service dispute portal never working. As a consumer we can reach them to summit a dispute. In my case this account appear twice We need a mechanism to reach them. In my case internet is the better but the poral never works.
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE DOCUMENTS BELOW. PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED WITHIN 4 DAYS. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAVE BEEN DELETED FROM MY XXXX AND XXXX CREDIT REPORT PLEASE FOLLOW.
Product: Mortgage

We were in a modification loss mitigation due to COVID-19. Our financial situation due to covid ended the end of XX/XX/XXXX. I notified Shellpoint Mortgage Servicing, and started making payments. I was told to skip XX/XX/XXXX that the new loan would start XX/XX/XXXX. I have called numerous times for updates, I finally received and update on XX/XX/XXXX. I was unable to receive status since XX/XX/XXXX from any customer service rep or reach my point of contact XXXX XXXX until XX/XX/XXXX. The dates called XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. 
On XX/XX/XXXX after 3 months I was told the interest rate was incorrect from the XX/XX/XXXX paper work and again to skip XX/XX/XXXX payment and the new loan would start XX/XX/XXXX, XXXX XXXX also stated that I shouldn't had made XXXX or XXXX payment due to I am in loss mitigation, but with the new payment and interest rate the loan will be current. The new paper work was mailed to me on XX/XX/XXXX and mailed back on XX/XX/XXXX. On the call XX/XX/XXXX I was told the paper work was received and I wanted to verify if this was a fixed or adjustable loan.. And was reconfirmed that on page 2 of the documents I sent in shows fixed at 2.125 % to give them a week to process. XXXX XXXX called and left a message with no info to call back on XX/XX/XXXX the representative says there are no notes on the file of why he called. XXXX XXXX again called on XXXX and says the paper work that was received on XX/XX/XXXX in there office was for dates of the old loan XX/XX/XXXX. So as you can see why I am filing a complaint. I haven't been unable to get updates on my loan, I mail in paperwork its confirmed received and then told I mailed in old paper work with the wrong dates, amounts of loan and interest rates. I have already made my new payment arrangement for XX/XX/XXXX but the mortgage company is changing the story of what was sent in, I'm wondering what's next?? As I read reviews online this is an ongoing problem of not wanting to complete or help customers with refinancing loans. I do not want to go into foreclosure or having any issues with my loan due to the mortgage co being at fault.
Product: Checking or savings account

I joined chime because I had a dispute with XXXX XXXX  and they retaliated by turning me into XXXX. Although I have a change of address because I am XXXX XXXX XXXX but it never showed up. I called and explained after trying for like two weeks through net. They made themselves hard to contact and I complaimed about it. Have a scr3n shot. After over a month I got fed up. I am a vet with XXXX and got sick of the XXXX XXXX. I am also in XXXX  and trsimed in that XXXX. The people I tried to talk to had such bad english I couldn't understand my customer service and I couldn't get verified through their XXXX verification. I can anywhere else. So basically we have a contract signed under duress and tbey are holding my my money and calling me the abuser for cursing tbeir lying XXXX  XXXX. I know my government workers are too lazy to do anything cause I've dealt with VA thirty years. If you had done your jobs XXXX  XXXX wouldn't be XXXX  me over. Thanks for that too. From a XXXX XXXX XXXX  homeless vet that has tried to fight his way out for years and got XXXX by every company amd agency knowm to man
Product: Vehicle loan or lease

I am co-signer on the loan. Primary loan holder ( spouse ) passed away 8 months ago. Vehicle was stolen and deemed a total loss by insurance in XX/XX/2024. Payout was made, there was GAP coverage on the loan and I was under the impression that the loan was taken care of and paid off. Three months later with XXXX communication to myself, the lender starts reporting late payments to the credit bureaus as they are showing a balance on the loan still. Played phone tag for weeks trying to get the issue resolved, asking why they didnt communicate payments being due, late or behind with no real answer. Lender refuses to correct information with credit bureaus even if I pay off the amount. Was told the GAP coverage company was provided incorrect balance information and when requesting correct information from the lender they refused to provide anything from the time the vehicle was deemed a total loss.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX Dear CCS COLLECTIONS, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL, FTC, OCC AND CFPB.

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Credit card or prepaid card

Capital One has restricted my card for " security '' over 10 times this year. I have not been able to buy my kids food and our rent is past due. They are restricting our life for " security ''. 

I was asked to verify my identity by sending copies of my driver 's license and social security card or my card would stay locked. Which happens on a weekly basis several times per week. 

Most recently my account has been restricted, and I can not make purchases on the card. I was asked to verify my identity by sending copies of my driver 's license and social security card. 

After sending in my documents, Capital One said I can no longer use my card to make purchases and that they did not need to give me a reason why.
Product: Debt collection

I am having a huge p roblem with Central Finance Control. I found anothe r account  this one b eing  XXXX  on my   XXXX   and  XXXX  report. The other account I previously filed about was different and on  XXXX   XXXX . I have sent them a cease and desist, called their office and requested FCRA  623  required to report any account to cra and prove verification of accuracy including complete paymet history and sisgned contract from original creditor. They have refused to provide it and denied me the requeste FDCPA letter of notification within 5 days of receiving. They also were abusive and rude on the phone and refused to provide the letter of assignement between the original creditor and their collection agency which too is my right to have to any account they claim belongs to me.   WHILE EATING DINNER WITH MY FAMILY last night at a restaurant I got a phone call from CFC after   XXXX   XXXX   and have phone record to PROVE IT, and the phone call  XXXX  from NEVADA and that is illegal as  CFC i s in CALIFORNIA So misrepresentation of their location and calling from somewhere they are NOT located. To beat it ALL the rep on the phone gave me my full social security number WITHOUT even verifying it was truly ME on the phone!! That is complete ignorance of collection tactics and LAWS for a collection agency!! When I questioned why in the world this rep would provide that kind of info over the phone I was ignored This is NOW A  HIPAA vi olation and warrants lawsuit for not only the original creditor but absolutely warrants lawsuit easily won against central finance control!!!!!   I have contacted the original creditor and notified them this agency is operating in totally disregard to credit reporting laws, violation of FDCPA and noncompliance to FCRA and FACTA.   This will be taken now to the Better Business Bureau and Attorn ey Generals Office of California. I will contact the California regulator for collection agencies and Bureau of collection offices and debt collection.
Product: Credit reporting or other personal consumer reports

This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy. 
Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system. 
You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. 
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. 
I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXX XXXX, opened on XXXX with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code

1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. I am demanding my remedy for your willful noncompliance for each
violation of law.
Product: Debt collection

a- all of the prior above. 

" the gecko wont leaf me alone.Ive thrown him off the empire state bldg and he keeps hounding me for money. " -hedgehog seriously. WERE DONE with companies so claiming that they " support veterans ''. first XXXX and now XXXX have extorted me, not processed payments correctly, overcharged me, etc. 

4 months straight I was billed 2x normal rate. When I had enough, I terminated the policy and switched to someone else. XXXX has beeen harrassing me since. XXXX XXXX TN FBI XXXX has been notified.The extortion continyes w false statements to my credit file and unlawful debt collection activities by third parties. Their fax machine wont reliably maintain the connection. XXXX XXXX WILL. SO SERVED IN COUNTERCLAIM.
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX  XXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Debt collection

Complaint Summary : I am filing this complaint against XXXX XXXX for fraudulent and deceptive practices regarding the collection of alleged debts. Their actions violate federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and contract law principles, including the requirement for proper verification and equal consideration. These violations have caused significant financial harm, emotional distress, and reputational damage. 

XXXX. Improper and Unlawful Collection Practices XXXX Funding has engaged in improper and unlawful collection practices, including the following : Failure to Provide Verification : XXXX Funding has failed to provide legally required verification of the alleged debt under 15 U.S.C. 1692g. Copies of billing statements or generic account summaries do not constitute verification. I demand a copy of the original contract or promissory note bearing my wet signature. Without this, any attempt to collect is fraudulent. 

No Proof of Consideration : XXXX XXXX has not demonstrated that any lawful consideration was extended for the creation of this alleged obligation. As the grantor and originator of the funds through my signature, I assert that no valid debt exists. 

Violation of FDCPA ( XXXX ) : Misrepresenting the validity, character, and enforceability of the alleged debt constitutes a deceptive practice. Attempting to collect on a debt without proper proof or validation is both illegal and fraudulent. 

XXXX. Fraudulent and Misleading Claims XXXX XXXX is attempting to collect on an alleged debt that is unenforceable due to lack of lawful consideration and proper verification. Specifically : Fraudulent Origination : As the original transaction relied solely on my signature to create the funds, XXXX XXXX has no standing to enforce or collect this alleged obligation. 

False Representation of Ownership : XXXX XXXX has failed to provide evidence of lawful assignment or ownership of the alleged debt. Without this, any collection attempts are unlawful and deceptive. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported this alleged debt to credit reporting agencies without proper verification. Negative credit reporting is being used as a method of harassment and communication, which is prohibited under the FDCPA. These actions constitute : Violation of FCRA ( XXXX ) : Reporting inaccurate, unverifiable, or fraudulent debts to credit bureaus is unlawful. 

Defamation : Reporting false debts to credit bureaus harms my reputation and creditworthiness. 

XXXX. Emotional Distress and Financial Harm The actions of XXXX Funding have caused : XXXX XXXX XXXX due to XXXX  and XXXX  XXXX. 

Financial harm, including lost opportunities due to negative credit reporting.