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

XXXX XXXX and TransUnion are all in direct violation of my federally protected consumer rights under Title 15, Chapter 41. Please see the attached letter sent to each for further details. Pursuant to 15 USC 1681a ( 2 ) ( A ) and 1681a ( 2 ) ( B ) a consumer reporting agency XXXX XXXX XXXX TransUnion XXXX must exclude a report containing information solely as to transactions or experiences between the consumer and the " person '' ( corporation ) making the report and must exclude any authorization or approval of a specific extension of credit directly by the issuer of a credit card or similar device yet each of the three above mentioned consumer reporting agencies have included such information in the consumer report. XXXX  additionally has been using stall tactics by sending notifications that they find my submissions " suspicious '' and refuse to honor my request to delete such information.
Product: Credit card

I purchased a Vanilla Visa card on Friday XX/XX/year>. I placed {$300.00} on the card and it was stolen, before it was even taken out of the cardboard wrapping. I thought maybe it was in my car, as my car was full. ( This gift card was purchased for my best friends celebration of life. She was murdered. We were best friends for 30 years and one of our favorite things to do was to go to the mall at XXXX time and put money and a card in an envelope, hand it to strangers, and hide and watch them open the card. We loved seeing their faces light up. ) so this card was going to be part of the celebration. My car was full as she didnt have any family and I was the only one to throw it for her. When I finally got my car clean, no gift card. I called the company, Incomm, right away to report it stolen. They had me email a copy of my drivers license, verification of address, and a copy of the receipt. I sent it in and got a receipt confirmation. I called the next day to confirm the card got cancelled and to know the balance as of cancellation. Customer Service kept telling me to allow 10 days. Who makes you wait 10 days before canceling a card that is reported as stolen. All I wanted to know was if the card was cancelled and the balance. They couldnt even provide that info. I said I was fine waiting for the funds, and allowing them to investigate, but I was not ok with them taking 10 days to cancel the card.
Product: Student loan

To whom it may concern, I, ( XXXX Brown XXXX, Currently do not dispute my ( Navient Student Loans ) either as reported on my credit report or directly with the creditor. I request that the indication of a dispute and all comments in the comment section is removed from my report. I am trying to close on my home and need this done ASAP. 


Thank you, XXXX XXXX
Product: Checking or savings account

Chime without warning closed my account XX/XX/2022. This account was my main account that i receive my direct deposits. When they closed the account this caused my direct deposits to be returned to the sender and ultimately caused me to miss rent payment and other bills putting me in a financial hardship. I feel that the reason that chime closed my account is due to me filing several unauthorized transactions on my account. I had about {$6900.00} charged on my account spread out over the past year that i dont think that chime was happy about resulting in the closure of ky account. I didnt get my money back from these unauthorized charges let alone balance in the account. Im hoping that i can get assistance in filing a classaction lawsuit and legally pursue chime and be reunded for the unauthorized transaction and checking balance.
Product: Student loan

I attended XXXX XXXX ( XXXX  ) from XXXX, in which i had to take out federal loans with Sallie Mae at the time now Navient. The school used deceptive means to obtain them. They promised a XXXX a year job once i graduated, and free refresher courses after you graduation. XXXX XXXX ended up going bankrupt and closing down leaving me on the hook to pay back deceptive student loans. My student advisors at the time XXXX XXXX and XXXX ( last name unknown ) told me i had to take out private loans to help pay for books and supplies needed for the semester, they did not disclose the high interest rates associated with this. 



I applied for borrowers defense in which XXXX years later i got approved for a discharge on my federal loans. Even though the private loans are fraudulent, i still have paid them since XXXX  to avoid my credit being ruined. Navient/Sallie Mae have caused financial and emotional hardship in my life, i put off going for a XXXX XXXX, put off medical procedures, buying a house, having children all because of all of the money i have been paying since XXXX. 


I would really like for my fraudulent/ deceptive private loans to be discharged and the money i have paid since XXXX  to be refunded to me so i can finally be debt free and have a normal stress free life. I filed XXXX and my federal loans were discharged under the XXXX XXXX XXXX XXXX discharge case.
Product: Checking or savings account

I received a call from someone acting as XXXX XXXX. There was an automated system that said the call was from XXXX XXXXXXXX and that my services where in the process of being disconnected if a payment was not made. I agreed to make payment during the 35 min call. I became suspicious when the man acting on behalf of XXXX XXXX asked me to make a second {$240.00} payment. I advised the caller that I had confirmation that the payment was made. The caller abruptly ended the call. I immediately contacted XXXX XXXX who advised they did not call me. I immediately contacted Bank of America to stop the transaction. The Bank of America rep advised me that they could not stop the transaction and a claim would be filed for investigation. The rep informed me that this was a BOA to BOA transaction. The rep said I would receive a credit in 2 business. I didnt get credit and called back to be advised that an investigation was pending in 10 business days. I advised that I had new address and confirmed email address. I didnt get a response so I called today to be advised that my claim was denied and I needed to contact other party. The rep advised today that I will need to submit docs to prove scam. I advised theres nothing to submit other than a screen shot of my call log which will show some number I gave them. I am being asked to send supporting documents. I have nothing to submit. I am requesting the bank to investigate the recipient who acted as XXXX XXXX and defrauded me. If this is also Bank of America acct just like mine, they should be able to easily verify this is a scam to confirm fraud was committed. I am asking you all to review this matter as it is clear this claim was not thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the unverifiable items that is UNKNOWN to me. I called XXXX and Experian after I purchased a credit report from Experian on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX and Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX immediately. 

XXXX XXXX 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

XX/XX/year> I mailed a dispute to Equifax by USPS with tracking number XXXX with a police report, ftc identity theft report, proof of identity, and proof of address. I requested some credit inquiries to be blocked from my credit file. Additionally, documentation was uploaded to Equifax under confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax failed to provide me the results for confirmation XXXX XXXX XXXX XXXX and they are not accessible on Equifax.com. Equifax failed to give any consideration to the information I submitted regarding identity theft and failed to block the disputed information from my file. Instead on confirmation XXXX Equifax says for each hard inquiry INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.
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, there dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation. These actions have caused significant inconvenience and financial loss, and I am seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have had a  XXXX  rewards card with Fidelity  XXXX  for over 10 years. In  XXXX  of  XXXX  Fidelity (  Elan   ) m oved to a new servicer. When this change was made they capped my rewards without adequate notice. As a result, I did not earn rewards for the first  four  months of  XXXX . When I noticed this and called in they said all I had to do to remove the cap was to was to ask for it. There was not change to my account number. However, they would not credit me with the rewards I would have earned.
Product: Debt collection

Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure!
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 Balance : {$11000.00} XXXXXXXX XXXX  XXXX Balance : {$7500.00XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX- Balance : {$3000.00}
Product: Checking or savings account

I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.
Product: Money transfer, virtual currency, or money service

y husband sent me {$570.00} for bills and food Etc through venmo app I was promised it would be there XX/XX/XXXX XX/XX/XXXX came still no money then I received a email stating that they could not send me my funds to my account because they needed to verify who I was my identity so I gave him my driver 's license sent it via email cuz the only way that you can speak to these people through the account specialist Department which is who they routed me to supposedly is through email so I give them everything they need plus I also send on my social security card cuz they said that the ID may not work so I sent them that just in case they had everything they needed you have to wait 5 to 7 business days for anyone in that department to get back to you so I wait and I'll wait some more so I finally call back find a 1-800 number to their customer service department I called the customer service department and they tell me they can't help me that I have to go through the email that they sent me from the beginning and that that's the account specialist Department they say everything looks good they should be contacting you to release your money days go by call my email still nothing then I get an email saying that they froze my account because some crazy reason why they froze my account that they needed to my other account information so I give him my other account information and that still wasn't good enough so then my husband tried to call and they freeze his account also we tell them just give him back the money you know whatever now they're telling me that they are going through loss prevention and it's going to take another hundred and eighty days for them to decide whether or not they're going to release my money to decide whether they're going to release my money that money took him three minutes to send to me and have taken almost a month for me to even receive it this is absolutely unacceptable an absolutely ridiculous that they would even have somebody do this and for them to treat their customers this way this place should be shut down they are absolutely ridiculous and I've got all my emails to prove I've done everything I could to get my money thru them I know im not the only one that this has happened to they have over 1200 complaints on XXXX XXXX and I just need my money back
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account XXXX : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Product: Mortgage

My loan is owned by XXXX XXXX and serviced by Citizens Bank , National Association. 

I signed up for the COVID-19 forbearance program, in accordance with the CARES Act, in XX/XX/XXXX. At time of sign up I was assured over the phone that I would not be charged any accrued interest on my loan other than what was already scheduled for the deferred payments- which is in line with the CARES Act. Immediately prior to the forbearance program starting my remaining principal balance was {$180000.00}. 

During the forbearance period I was issued statements that still listed my remaining principal balance as {$180000.00}. 

In XX/XX/XXXX I made arrangements with the servicer to resume payments with the deferred repayment plan option. Over the phone I went over in great detail the details of the deferred repayment plan including what the remaining principal balance would be and confirmed what my Principal & Interest payments either be and exactly what my final payment date would be. At that time I verbally accepted to move forward with the deferred repayment plan. 

I want to note that the servicer, Citizens, required everything involving this forbearance program to be done over the phone. I requested documents in writing several times throughout the process to explain and confirm what I was agreeing to, and I was repeatedly not provided with written documentation. 

Since I was approved for the repayment plan I have noticed my online account shows the incorrect remaining principal balance. There is a XXXX balance of {$170000.00} and a XXXX balance of {$19000.00} for a combined remaining balance of {$190000.00}. I've also received one statement since then showing this. 

I called the servicer in late XXXX, and again I'm early XXXX after the statement was issued to let them know I thought the remaining balance was incorrect. During those calls I was told the information still needs to be updated in their system because the repayment plan approval was still in progress. 

I called them again today to check on the status and I was told that the deferred repayment plan had been approved over a week ago and all the information in my account should be up to date and correct. I explained I disagreed. The representative I spoke to said she understood my concern but there was nothing she could do about it. She asked her supervisor to weigh in and they are saying that I now owe them missed escrow and interest payments as part of my principal. 

I never agreed to anything along these lines, and it's not allowed in accordance with the CARES Act. I have to objection to deferred payments being structured as a XXXX balance on my mortgage, but the combined remaining principal balance should not be approximately {$11000.00} higher after the forbearance period then when I started. I have made 1 payment since coming off forbearance. By my calculations, my remaining principal balance should be {$180000.00} ( {$180000.00} - {$480.00} scheduled principal reduction if I hadn't been on forbearance ). 

I have included attachments for my statements that show my remaining balance before and after agreeing to the deferred repayment plan.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of several fraudulent accounts and inquiries from my credit report. As a recent victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items removed. 
The following accounts were fraudulently opened and should be removed : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$28000.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1500.00} XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} Additionally, I request the deletion of the following unauthorized inquiries : XXXX XXXX XXXXXXXX Dated : XX/XX/XXXXXXXX XXXX Dated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX