23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Compliance Failure XXXX XXXX  Bankruptcy XXXX XXXX Discharged XX/XX/XXXX Dear : Sir/Maam : It was only a few months ago when I contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition, I sent a formal written inquiry to the clerk of the COURT of Records for this erroneous Bankruptcy record that your firm is reporting. I received back that INQUIRY, it is CLEAR that the COURT DOES NOT verify or validate any information to your reporting agency. In addition the Clerk 's office noted that neither Personal Identifiers nor XXXX compliance standards were available for reporting or verification purposes, therefore the Bankruptcy record you are reporting violates the stipulated guidance provided to your firm by the Consumer Financial Protection Bureau .

After reviewing my reports, I noticed that each bureaus report has conflicting data on it. Most of the information being reported has not been verified unlike the bureaus assured us that it was.

No matter how a third party information broker has collected this information it must contain the complete personal identifiers and be Metro-2 compliant, in this case the record is CLERALY not COMPLIANT and it is UNVERIFIABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a tort action against your firm for violation of the FCRA.

Very Respectfully, XXXX XXXX XXXX The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 


The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Debt collection

Halsted Financial sent a text message with a lot of information included in it that I believe some of which is confidential pending identification verification. I have never interacted with this collection company over the phone, via text, or any other way.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

XX/XX/XXXX ( open date : XX/XX/XXXXXX/XX/XXXX ( Open Date : XX/XX/XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXXXX/XX/XXXX ( Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I used my Capital One credit card to send funds to pay for some airline tickets to a travel agent in XXXX. The travel agent required the XXXX service for this transaction. I was unaware that this is treated by Capital One as a Cash Advance, for which I was charged a substantial fee of {$100.00} ( {$53.00} + XXXX ). I was already charged an initial fee by XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the Cash Advance fees, I am also getting charged interest because of the Cash Advance. The interest rate for Cash Advance is 24.90 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Capital One would process this as a Cash Advance. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Capital One and they claimed they could do nothing for me. I feel that this is a UDAAP violation as a Deceptive practice, as well as Abusive. I am getting pummeled with a huge interest rate and will now continue to do so until I can pay my card completely down to {$0.00}.
Product: Student loan

Hello, MOHELA is taking over 10 months to update my PSLF payment count prior to my consolidation and they don't understand the terms of the Limited PSLF Waiver Opportunity. They insist that they received my Loan Consolidation Application on XX/XX/XXXX when Federal Student Aid 's website confirms my application was sent to MOHELA on XX/XX/XXXX XXXX PM. MOHELA 's website now says the status " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ''. 

My Loan Consolidation Application was sent to MOHELA on XX/XX/XXXX XXXX PM. Direct Consolidation Loan Application and Promissory Note OMB No. XXXX Signed on XX/XX/XXXX. I've been waiting over 10 months for the payments prior to the consolidation to update on the PSLF tracker payment count. When I called MOHELA XXXX XX/XX/XXXX and talked to XXXX ( ext XXXX ) and the escalation line XXXX ( ext XXXX ), they both insisted that my payments prior to consolidation wouldn't qualify because MOHELA received the form on XX/XX/XXXX. 

I was on the phone for over an hour explaining that my application was submitted via the PSLF Online Tool on XX/XX/XXXX XXXX PM ; therefore, the waiver would qualify according to Federal Student Aids website ( https : //studentaid.gov/announcements-events/pslf-limited-waiver ), " I submitted a consolidation application by the deadline, but the processing of my consolidation was not completed by XXXX XXXX, XXXX. Am I eligible for the benefits of the limited PSLF waiver? If you have FFEL, Perkins, or other loan types that are not Direct Loans, your consolidation application must have been submitted online through StudentAid.gov by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, in order for you to receive the benefits of the limited PSLF waiver. 

After explaining this multiple times, XXXX ( ext XXXX ) then said that MOHELA doesn't process my Loan Consolidation Application and Federal Student Aid will process the form and update the payment count prior to the consolidation. 

This also is incorrect according to the Federal Student Aid website, " We expect that it may take at least 90 business days for MOHELA to process these forms. Many factors impact processing times, including if your loans were with another servicer and require a transfer to MOHELA, if the form had any missing fields such as an employer 's EIN, the number of PSLF forms we receive, and if we are reviewing your employer 's eligibility, among other factors. Once the processing is complete, it will take additional time for the servicer to make adjustments to your payment counts and apply discharges. 

It is apparent that MOHELA doesn't understand the Limited PSLF Waiver Opportunity and is taking over 10 months to process my Loan Consolidation Application. 

I would like MOHELA to update the PSLF payment count prior to the consolidation of my loans. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, SC XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$5000.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$770.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XX/XX/2023
Product: Checking or savings account

Goldman Sachs Marcus emailed a promotion that if I deposited X amount of money I would get the bonus after maintaining the account balance for a certain number of months. I called a representative to confirm that it was okay since I had a transfer out the same day. 

The representative said yes they would honor the agreement. 

After maintaining the balance, I did not see the promotional amount reflected. So I called them, turns out they won't honor the agreement now because it doesn't count due to the transfer out, even though I confirmed months before that they would honor the agreement. 

This is a deceptive trade practice and I will be filing with the FTC if it isn't resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined
Product: Debt collection

I received a collection letter from FORTIVA on XXXX but dated XXXXXXXX XXXX XXXXXXXX. This letter was sent despite my having contacted their dispute department by mail two times previous asserting my rights as declared in the issuance of any such credit under such title clause/language. They have chosen to disregard my communication in favor of their attempts to collect an invalidated debt which would only benefit FORTIVA and threatens to further damage my credit beyond what they have already done. I have already submitted complaints regarding this apparent merchant FORTIVA and as it appears, the complaints are still pending. this is a clear indication that FORTIVA refuses to accept my notice of dispute of any such debt and or is attempting to collect a debt already paid in good faith. Consequently, I have reported this to my credit reports/the Three main Bureaus and they have also refused to properly investigate this and have instead sided wit the reporting merchant having violated my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may concern, I was a victim of identity theft. On XX/XX/2023 I went to look at my credit report. I have all these collections and none of these I recognize and I do not owe them any money. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all fraud and I'm just trying to make my credit score accurate for me and my family.
Product: Credit card

I RECENTLY REVIEWED MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS A I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMIKLY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX Capital One sent me a check for {$29.00} for a credit refund I had on my account. They sent the check to an old address and I never received the check. I was in XXXX Training back then and I had no way to contact them so now that I am done with training I called them on XX/XX/XXXX and today XX/XX/XXXX there problems with their system so conveniently. And they tell me to call later or they just hung up. Ive waiting on the phone for 1 hour and 5 minutes and then they just hang up on me. 
If you or capital one needs proof of my XXXX training, let me know. 
I was in XXXX Basic Training and XXXX since XX/XX/XXXX until XX/XX/XXXX I am attaching my immigration form with the date since I was in XXXX training so you can see that I am being truthful and Capital One is just playing with my request
Product: Credit card or prepaid card

I paid off this company for the entire balance owed on XX/XX/2021. First issue it took them almost a week and a half to post my payment. My available credit limit with this company is {$6000.00}. But I owed - {$5900.00} which was paid in full. Once paid I called and asked why it still showed a balance owed of {$280.00} which was my normal monthly payment up until that point. The first two calls I was told it didnt calculate right and would be removed. The 3rd call told me it was for interest. Which didnt make any sense. I was then told interest wasnt charged at the end of every month for my purchases like normal credit cards it was just added. Something Ive never heard of before and sounded as if they Just wanted more money. I advised I paid my total balance owed and no longer wanted this account due to shady practices and asked them to close it. Went through some disclosures and was advised it would be closed. I also requested that the account be adjusted Bc the balance is not owed. Nothing was done. I called again and requested the account closed and adjusted. Nothing done. I reported to the XXXX  and on each interaction I requested the account closed and is still opened today along with no adjustments. This was over a month and a half ago and is now still open and past due
Product: Credit reporting

XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as XXXX, Equifax and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a Mortgage Loan serviced by " Caliber Home Loans ''. I trust, " XXXX '' is the Investor, as they sued me for Foreclosure. 

My mother XXXX XXXX sometime back and we could not afford the Mortgage payments. Hence we became delinquent and are trying to do a Short sale, for the last 8 months or so, to avoid a Foreclosure on our Credit Report. 

My 3rd party submitted several ALL CASH Offers, the last of which was about {$500000.00}. This Buyer is willing to close in 15 Days and take care of all the extensive repairs amounting to around $ 300K (  Inspection Report by a Licensed Inspector and a Repairs Estimate by a Contractor attached ), as also deal with the delinquent tenant. He is Ok with a Short Sale or a Note Sale, whichever is OK with Caliber.
But unfortunately, Caliber is stone walling all the Offers, saying that short sale/Note Sale is not an option at all now. They are not even giving any counter-offer, but only saying that I have only 2 options, namely : 1 ) Deed-in-Lieu ( DIL ) 2. ) Bringing the Loan Current by paying around $ 380K. 

I have told them several times already that both the options are not at all feasible, because : 1. ) There is a delinquent ( XXXX ) tenant, who has not paid rent for about a year now and I have started eviction proceedings against him ( copy attached ). I am told, as he is a XXXX person, the Courts would be much more lenient towards him and the case can go on for a year or more. So DIL is not an option at all. 

2. ) Secondly, to expect me to pay about $ 380K and  bring the Loan current is also a far cry, as I am bankrupt now. In the first place I was not able to even maintain my monthly mortgage payments, which is why, I am in this situation. So the 2nd option of bringing the Loan current, is also not at all feasible.
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.

There have been multiple times where Ive reached out using their chat and my issues were not resolved causing me to lose various accounts of money during the times of XXXX and XXXX. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of the XXXX breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely
Product: Debt collection

Midland Funding , LLC continues to contact me either by phone or by mail regarding a XXXX XXXX account which was not mine. I have told them they have the wrong person and they have verified it on the phone with me via cross referencing the SS number of the account holder and my SS number. They contend they will take my information off the account each time I talk to them and then something pops up from them again every 3-4 months. I think they have people looking for something to do.
Product: Credit reporting or other personal consumer reports

These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Checking or savings account

Deposited a check for {$84000.00} into a business checking account from another local bank in XXXX of 2022. The check cleared the other bank the next day but have been on hold. No one will tell me why I can't access these funds and they won't let me close the account. Meanwhile I am being charged fees. And the funds are locked.
Product: Checking or savings account

On XX/XX/XXXX @ XXXX, I received an email from navy federal stating that my dispute that was filed was reviewed and it was granted that the charge was valid and I didnt send in the documentation that was requested. I called their XXXX number to see what didnt I send it. The rep reviewed and stated I didnt send in the itemized list of items that were supposed to be received. I told him I submitted the documents. I also told him on XX/XX/XXXX I called their XXXX number to see what additional documents were needed and was told that I can upload screenshots of the items I was supposed to receive and how much they cost. I uploaded those screenshots and the screenshot of the company stating they would give me a 100 % refund, since I did not receive my items. The rep that I spoke to on XX/XX/XXXX stated he can see that, but I would need to write out each item, how many, and how much they cost. Navy Federal is causing me issues since they have my account restricted permanently and it seems they are being vindictive and harassing me and discriminating against me. I have been with this company for over 8 years and they have become the worst bank Ive ever had.
Product: Debt collection

I have been writing letters and I haven't gotten any resolve. I have sent 4 validation letters on these dates ; XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from XXXX XXXX, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.