23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a student loan with Sallie Mae and was denied. I am in  XXXX  school working on my  XXXX . However, I just co-signed a student loan for my son about  five  days was approved after I co-signed the loan. They then said my student loan which was eligible to be approved with a co-signer who was creditworthy. If I were not creditworthy then how could I be a co-signer on my son 's loan? This is just a scam to pull in more people to be responsible for a loan. They will then try to get both people to pay for the loan which will then get them double the amount being paid back.   This is unfair and discriminatory practices because then they said they do n't look at the FICO score which means that they are looking at my age, ethnicity as factors to determine if they will provide a loan.
Product: Credit card or prepaid card

I purchased a {$200.00} visa gift card from XXXX on XX/XX/21 and it was delivered Sunday XX/XX/21. I opened the sealed card and registered it. I went to use it within the hour and it was denied from multiple places, including XXXX. I called the number and the automated response had no option fitting my need not an option to talk to a representative. I called the next morning in hopes it was normal business hours and finally got a representative. The cards entire balance was used up by XXXX XXXX  charges that I did not make nor do I purchase anything from them as I have an XXXX. 
The representative was professional but I had to complete a form disputing the charges and can not use the card for an extended period while they investigated. 
I looked at the XXXX reviews and there are many with then same issue and many more complaints with the XXXX 
The only ones that could have accessed this card would be someone at XXXX or someone at Blackhawk Network Holdings Inc . However, there is no was XXXX would know all the credit card info and the zip code that was used. 
Blackhawk Network Holdings Inc Has a very serious security breech and are making customers jump through hoops to try and get their money back because of the companies inabilities. My information including my name, phone and address would also have been compromised leaving a security risk for identity theft.
Product: Credit card or prepaid card

I CURRENT, HAVE A CREDIT CARD WITH NAVY FEDERAL, FOR ABOUT 1 YEAR NOW. I HAVE NEVER MISSED ANY PAYMENTS, THE DUE DATE FOR MY PAYMENTS ARE ON THE XXXX OF EVERY MONTH. ON XX/XX/XXXX, I CALLED IN TO THEIR CUSTOMER SERVICE DEPARTMENT TO MAKE A PAYMENT OVER THE PHONE, WHICH THEY ACCEPTED ... FOUR DAYS LATER, I WAS TOLD BY NAVY FEDERAL THAT MY PAYMENT WAS REJECTED BECAUSE I WAS USING AN EXTERNAL BANK ACCOUNT, SO I WOULD NEED TO USE THEIR RECOMMENDED 3RD PARTY ( XXXX  ) TO MAKE THE PAYMENT - WHICH I DID AND THE PAYMENT WAS MADE FOR {$94.00} DOLLARS ON XX/XX/XXXX. 

XXXX SENT IN A CHECK FOR {$20.00} DOLLARS WHICH NAVY FEDERAL USE TO CREDIT MY ACCOUNT, BUT I HAVE NO CLUE WHAT HAPPENED TO THE REMAINING {$74.00} DOLLARS. i JUST CHECKED MY CEDIT REPORT AND NOTICED NAVY FEDERAL REPORTED ME 30 DAYS LATE FOR MISSED PAYMENT FOR THE MONTH OF XXXX, WHICH LOWERED MY CREDIT SCORE BY XXXX POINTS. 

WHEN I CALLED UP TO NAVY FEDERAL AND SPOKE TO SEVERAL REPS, THEY ALL CONFIRMED THEY SAW WHERE I MADE THE PAYMENT ON THE XXXX & ON THE XXXX BUT THEY DON'T UNDERSTAND WHY ONLY {$20.00} DOLLARS WAS CREDITED TO MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX XXXXXXXX are financial institutions by definition under that title. 15 USC1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, Experian, and XXXX have failed to uphold this consumer protection law on my behalf as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian did/do not have my consent to furnish this information and they surely did/do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' No explanation was ever given to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' These accounts ( and several of the inquiries ) are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 16812 ( A ) ( 1 ) A states " 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. They have adequate reason and cause to believe that the information they are reporting is inaccurate because I have written and disputed their reports on several occasions.
Product: Bank account or service

XX/XX/2016 a bank account was opened with Wells Fargo Bank. Consumer applied for Over-Draft protection account and were approved for a Wells Fargo XXXX XXXX XXXX XXXX ; line of credit of {$1000.00}. At time of application an incorrect Foreign Currency Conversion Fee of 'None ' were included in the terms and conditions of the credit card account. Rather on XX/XX/2016 a letter stating that effective XX/XX/2016 a fee of XXXX % will take effect as a fee charged to said conversion. And explained consumer were disclosed an incorrect item to said agreement. 
In addition, this account [ funded ] by Wells Fargo is the only option of Over-Draft protection from a single source to cover overdrafts from the Wells checking account. When the product were sold and consumer were asked to sign up and apply through standards credit reporting ; consumer understood this were the only reason to consider such a product. 
When an insufficient item caused the checking account discrepancy ; Wells Fargo proceeded to dismiss the approval of the card and resorted to shut-down the card and its purpose due to a minor overdraft on the checking. Consumer has argued with WellsFargo that the purpose of the application and qualifying status should had resolved any discrepancy thereof. and, any amount of intital overdraft were protected by the application of the credit card account. 
Wells Fargo has shut-down the checking, savings and the credit card account. Wells Fargo did provide a letter that states ; due to an insufficient fund amount in the checking all accounts were closed. 
Consumer understood XX/XX/2016 ; that the information provided by a sales representative were valid and the card account would be utlizied to cover any over-draft and/or insufficient balance. Onbiously this was n't the case. 
Consumer contends Wells Fargo [ sold ] conveyed this product for the purpose of 'sales quotas ' and the department of Wells Fargo Consumer Credit Solutions has taken another position thereafter. Consumer contends Wells Fargo has denied consumer the right to use said product as to the effect and purpose as intended ; and have created other scenarios to deflect from said offer. Either the Wells Fargo product with an XXXX XXXX logo is n't a valid product ; this product should be honored and reinstated as it were sold. 
Consumer has contacted numerous departments within Wells Fargo { Consumer Credit Solutions ] no answer with consistent information has been offered. 
In addition, the consumer 's credit reports reflect a credit card account with Wells Fargo XXXX XXXX shows an active and open line of credit of {$1000.00}. Which consumer contends shows a potential debt as opposed to a line of credit. Consumer has asked Wells Fargo to remove such item off the credit bureaus ; if the account has been closed and/or cancelled. 
As of XX/XX/2016 ; Wells Fargo continues to deflect this matter and resolve the overdraft in accordance to terms and conditions as stipulated and conveyed to consumer. Wells Fargo rather title this matter a 'risk account ' and have no valid explanations thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. The month of XXXX I reached out to citizens bank to let them know I would be trading in my vehicle for a new one sometime during the middle of the month. On XX/XX/XXXX I actually traded in the vehicle and called them for the pay off and the pro rate amount. I also told the gentleman on the phone that I was trading in the XXXX XXXX 2017 he told me congratulations. About a week later I started receiving phone calls that I had late payments from citizens bank and I called their phone number spoke to a manager and they noted the account. Today I woke of to my credit score dropping 100 points I was so upset because I was transparent about the whole issue. I called XXXX XXXX and they told me the pay off was good till the XXXX of XXXX and didn't know why they did that and they actually tracked the check that was sent out on XX/XX/XXXX and told me it was arriving today. This is not how a company should handle things when myself and XXXX XXXX XXXX have told them this information. When I spoke to them they said they would back date and remove the charges and take care of the situation.
Product: Consumer Loan

My name is XXXX XXXX. 

I took auto loan with TOYOTA FINANCIAL SERVICES for a new TOYOTA RAV 4 from XXXX Toyota, XXXX XXXX. and never missed a single payment and always paid little more. 
I was in an accident XX/XX/XXXX and the car was a total loss. I already made payment for XX/XX/XXXX payment. My auto insurance paid XXXX XX/XX/XXXX i.e. XXXX % of the total loan value and I did file for GAP insurance claim on time for the remaining amount of XXXX My GAP insurance paid off the remaining and amount and thus my complete loan was paid off date XXXX/XXXX/XXXX. 
Today dated XX/XX/XXXX, I checked my credit report and TOYOTA FINANCIAL SERVICES reported a late payment and it dropped my credit score by XXXX points. I am under immense stress. I in need URGENT and DESPERATE help resolving the issue. 

Please.
Product: Credit reporting

I am protected by chapter XXXX bankruptcy from having creditors report me as late or showing a balance that is inaccurate. on my experian credit report XXXX accounts, XXXX are shown as reporting late payments and balance due. The accounts in question both note that I am a chapter XXXX wage earner. these accounts are reported correctly on my XXXX report but are not accurate on experian or XXXX. Per my bankruptcy confirmed in XXXX 2013 both of these accounts are included and should be reporting no late payments and XXXX balance. I have made all my bankruptcy payments on time to my trustee and i believe that this is a violation of the fair credit reporting act. This is causing an issue. i am trying to get an fha streamline loan and this inaccurate information is preventing me from moving on with my credit recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked LexisNexis to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by LexisNexis are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report for the first time in a long time and noticed that XXXX, XXXX, and Transunion are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

Accounts XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX bankruptcy in XXXX The Apple Card with GS bank was included in the bankruptcy. The Bankruptcy has been discharged. Apple Card still reports the account as open with a XXXX balance. I disputed the account with XXXX recently, an investigation was completed and Apple Card replied that they investigated and there is no change to the account status.
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 : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX 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

I have been receiving phone calls at my job and my cell phone every day four to six times a day. The young woman will give me her first name only not the name of a company. Then she will ask me if she can transfer the call to someone else who wants to speak with me about a personal matter. I decline and tell her to stop calling me and take me off whatever list they have.Then she calls right back stating she is someone else and she is attempting to collect a debt. I tell her again to stop calling me then she says she will call my job again. And she calls again. All from different XXXX and XXXX area code numbers. 
HARASSMENT IS NOT A FITTING WORD FOR THIS BEHAVOIR.
Product: Money transfer, virtual currency, or money service

I'm filling this a complaint against Cash App ( Block , Inc ) due Inadequate customer service and unfair practices, which Violate The customers Financial Protection Act.CFPA Especially Cash App fail to take Timely. And effective measures To prevent fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, there's to be process was unfair and deceptive. Yes, they did not comply error resolution process resolution requirements. Under the electronic transfer act. ( EFTA and regulation e. These actions have caused a significant Inconvenience. And financial loss and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.
Product: Student loan

I went to XXXX XXXX XXXX XXXX ) in XXXX. Fast forward to today there has been a predatory lending scheme that has happened and CFPB has several court cases out on this. I am a victim of this school. My federal loans have been discharged 100 % but my private loans ; through XXXX collegiate, is still present and I am making payments through a debt collection agency called XXXX XXXX. I asked for them to discharge my loans due to this event but they will not and are still having me pay my loan monthly. I have Paid over XXXX  XXXX in this scheme and I would like someone to help me get out of this nightmare. This is horrible that many students have this still going on ; like me and may not know it. Please help! 

They have even put a lien on my house even through I have been compliant with paying my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 XXXXXXXX XXXX XXXX
Product: Debt collection

I received a phone call stating that I was to be served for a court appearance and when I asked what it was they refused to tell me and said the only thing they could do is give me a phone number. I asked if it was criminal or civil and they refused to tell me. Upon calling ( XXXX ) XXXX I was never given a company name or anything. I verified myself and they told me they were suing me for a debt that they claim was from XXXX  but the account was from XXXX. Its past the 8 year statute in MT and I live in Idaho where the statute is 5 years. They are also claiming the original debt was {$1800.00} is now over {$7000.00}. I asked for the court information and their information and they refused to provide. Havent received any notices from anyone in regards to said debt. Feel very threatened, deceived and intimidated that this company has all my information and the only thing I have is a phone number. Please help
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. XXXX, Equifax, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law
Product: Credit reporting or other personal consumer reports

Can not unfreeze my credit infomation with Equifax. The company won't let me get into my account even after I enter all the information they require. I repeatedly get " temporarily unable to coomplete this request ''
Product: Mortgage

I have been going through a refinance with a VA loan since XX/XX/2021, with various challenges along the way. This is the second complaint submitted to CFPB on the same loan with Truist. While the first complaint was only partially addressed, some items are of concern that will occur to future Truist mortgage customers if not addressed. After 9 months of processing, this second complaint was not addressed with multiple attempts via email when I requested the policies of Truist data acquisition and verification processes. 

Truist 's negligence in processing the loan resulted in inspections and various data points being collected expiring, requiring additional processing time. Truist loan officers implied VA process requirements increased the processing time when it was clear the delays were internal Truist processing with their underwriting office. When asked to see their policies that govern their procedures and requirements to verify information, Truist 's processing department managers ignored the request. They went on to question the integrity of the information provided. Truist processing managers went on to say their underwriting department claimed it was the VA requirements that resulted in the verification of details without confirmation of any policies or procedures that required the additional steps taken. 

Truist 's lack of transparency and accountability across departments created angst and delays in the loan, costing me thousands of dollars in paying interest on the current loan based on their processing delays while also implying fault with the VA requirements. 

Truist then made assumptions and made assurances in the paperwork to expedite closing to increase interest payments when the REFI was processed even after they were questioned. The responsible parties in the processing department did not address concerns until I refused to sign additional paperwork. The status of the loan is still unresolved.