23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for forgiveness in XXXX  while working for the XXXX XXXX XXXX. I had also worked for XXXX XXXX and accumulated XXXX years of XXXXXXXX XXXX XXXX  employment. I was repeatedly denied forgiveness over and over again.
Product: Credit card

I had an account with XXXX and has settled on XX/XX/2016 for the amount of {$260.00}. I continue to dispute this on my credit report which it keeps showing I have a past due balance of. {$160.00}. Evidentally this went to collections with Capital Management Services, then it went to XXXX XXXX XXXX, which I had settled on XXXX/XXXX/16 for {$260.00} of my total balance of {$580.00}. I continue to get bills for {$160.00} from XXXX XXXX XXXX, and this is showing on my credit report that I have not satisfied this account. When I paid XXXX XXXX, I received a conformation # of XXXX, and a reference # of XXXX. I spoke to a XXXX XXXX with XXXX, and was assured I settled this account on XXXX/XXXX/16. It is not showing on Credit Report that this has been settled, and is affecting my credit score. I would like this either removed from XXXX, XXXX, and XXXX, or show it has been paid and settled. I also have a written letter from XXXX XXXX stating they have received my payment in the amount of {$260.00} which was received in their office on XX/XX/2016..the letter states they have accepted payment as Settled for less than the full balance on the account. I want all XXXX Credit Bureaus reflecting this has been Settled! The letter I have received came from Capital Management Services, LLP ... reference # XXXX
Product: Debt collection

I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. 
The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began XX/XX/2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.
Product: Debt collection

Upon looking at my XXXX  Credit Report on XX/XX/XXXX I discovered a negative collection on my account that does not belong to me. I then disputed all of the addresses and phone numbers added to my account and included this collection as a dispute. There was reference on the website to contact the Company to try and resolve this first so I phoned TRANSWORLD SYSTEMS   with the number given on the report, ( XXXX ) XXXX. When I phoned to tell them the collection was not mine, they asked me to verify my SSN so I did and then the person indicated they would submit the information. The address associated with this collection, I have never resided in. I own my home in XXXX and have lived there since XXXX. The dispute came back indicating the information and collection is mine. It is not and I fear the SSN I gave the collection agency was used against me in claiming this collection is mine. The original company XXXX XXXX sent this collection of {$710.00} to collection, and I have never had an account with this energy company. My account along with my accurate address resides with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Checking or savings account

My checking account has been frozen since XXXX I tryed contact the person who froze my account she never responded back I called emailed left message nothing i this time I dont what else to do to get through to her
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : NCB Management Services Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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 an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian is continuing to report information that is not verified in according with FRCA section 609 ( c ) ( 2 ) ( e ) and accuracy of the records of the debt as outlined in FCRA section 623. This item was removed from my XXXX and XXXX credit file, but continue to be reported as accurate with Experian. I have included evidence for this item deletion and I am confused why this item have remained as verified on my Experian report after several disputes. 
I have fulfilled my responsibilities as specified in the XXXX case, XXXX XXXX at XXXX. According to this case law, the consumer must dispute the issue with a Credit Reporting Agency ( CRA ), which then triggers a duty for the furnisher to investigate under the Fair Credit Reporting Act ( FCRA ). Experians ongoing willful noncompliance with FCRA section 616 makes it subject to civil liability. I have provided my personal information to confirm my identity. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX The credit union offers prequalified quotes option with misleading information on their website that an inquiry into their product, Wont affect your credit score. However, a hard inquiry was reported to the credit reporting agencies. 

I completed an online quote request for a prequalified car loan on XXXX, and a hard inquiry was added to my credit reports. 

I did not consent to a hard inquiry as I was under the impression for the prequalify options, it would be a soft pull. 

This is missing and unethical practices. 
https : //www.penfedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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

On XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into several inaccurate items on my credit report. The specific items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I disputed a public record entry : Court Name : U.S. Bankruptcy Court Reference Number : XXXX To support my dispute and verify my identity, I included copies of my photo ID, Social Security card , and a recent bill with my current address. Despite providing this information, I did not receive a response back from Experian with the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
I request the Consumer Financial Protection Bureau ( CFPB ) to intervene to ensure that my consumer rights are not violated, require Experian to conduct a comprehensive investigation of the disputed items on my credit report, ensure Experian provides the detailed verification information as requested, and mandate that Experian correct any inaccuracies found in my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was a client of this bank for over 10+ years, I called them while I was out of the country working and told them, I saw that money was being taken out of my account and I had no knowledge of who or where it was going. once I put in the complaint I was not allowed to have access to the account nor their website. Upon returning back to the states, I tried to reach out and still could not access the accounts nor website, so I tried to open another account at a different institution, I was told to call the early warning department and they told me that I have a negative account and could not be helped until I cleared this up. So I proceeded to call USAA and while talking to one of their representatives, I was told my account was closed because I had a negative account of XXXX. I proceeded to ask the rep, how did your bank allow someone to get negative XXXX, and the response was they didn't know because they've saw accounts close for negative {$5.00}. I was told it was under investigation over two weeks ago and no one have reached out to me. I was also told to reach out to their legal dept, nothing has come from that as well.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and found XXXX accounts that I do not recognize. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the companies and discovered that I do not have a signed contract or consent agreement with any of them. The negative information on these accounts are hurting me and my credit worthiness. And also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the accounts be permanently deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my XXXX credit report i notice i have a fraudulent account on report i reach out to XXXX and they have not fixed the problem
Product: Credit card

I have had my Rooms to Go account for over 5 years and have paid my account on time with no issues and all of a sudden I get an alert that my account has been closed. I called and requested it the account can be reopened because I did not request it to be closed. Agent advised that do to a credit score change account was closed. So Ive worked hard to keep my account in good standing for over 5 years and the company decides to close the account and I lose all the credit history that I built. This is how you thank your customers for their loyalty. I have several cards by this company Synchony as well as my husband. This is wrong on so many levels and it really makes me want to close all accounts associated with you all if this is how you all do business. I have not showed you all any reason to close my accounts I have paid my accounts on time and dont carry a balance on my credit cards from month to month.
Product: Mortgage

Regarding : Specialized Loan Servicing LLC Account # XXXX Going back several months I have been making additional payments directed to lowering the principle balance of account # XXXX. The Mortgage is held by Specialized Loan Servicing LLC. My additional principal payments are not applied in timely manner to the principal. SLS ( Specialized Loan Servicing LLC ) holds the funds in suspense account and on the following billing statement the additional principle payment is not applied. The last two months I have directly made payments using the online payment method and using the specific additional principle payment option on the SLS payment site. There is no compliance and consistency of them correctly and in a timely manner applying the additional principal payments to my principal balance does not exist. sometimes they apply the payment and sometimes they apply it to the following months. 
On XX/XX/2021 I made my regular Mortgage payment and sent an additional principal payment of {$370.00} to date they have not applied the {$370.00} to the principal balance, the XXXX billing statement reflects a suspense balance of {$370.00} in unapplied funds, and a lower XXXX payment due. I have sent them Online communications of this Book-keeping error the previous times it has occurred they have not addressed it and in some instances they ignore my online messages making it necessary for me to call and speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account from XXXX XXXX being reported as charged of and a collection account from Jefferson capital as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe Jefferson capital is trying to collect on an account I don't owe. 
Jefferson capital needs to send validation that this my account, and same with finger hut. XXXX and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under Jefferson capital.

if this problem is not resolved through this report, then I will have to file a fraud affidavit against Jefferson Capital for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking Porfolio Recovery Associates, LLC for validation of an account l noticed on my credit report and they have failed to do so. I have responses telling me that the account is valid along with attached documents, but nothing is showing this is my account. They are not sending me anything to validate my account. My first response was XX/XX/2019, which is over the 30 days given for validation. 

my account number is : XXXX Seller : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX. 
Current Creditor : Portofolio Recovery Associates LLC Balance :  {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX and DEPT OF ED/XXXX  # XXXX has violated my rights. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on XXXX XXXX XXXX. That none of my loans delinquent. Therefore XXXX had fraudulently reported my student loans delinquent even though that is not true. XXXX, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 XX/XX/XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I quickly pulled my report to review my credit. I found many fraudulent accounts I have never gave consent to open. Please delete these items from my accounts. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$870.00} US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX  XXXX {$720.00} XXXX XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1200.00} XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$830.00} US DEP ED XXXX {$24000.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX {$820.00} XXXX   XXXX {$640.00}
Product: Mortgage

I had a principal balance of {$160000.00} on my XX/XX/XXXX mortgage statement ( after applied principal ). On my following statement ( XX/XX/XXXX ) my balance of {$160000.00} was carried over but I was charged for 2 months ( XX/XX/XXXX, XX/XX/XXXX ) interest ( % 5.875 % ) and principal was applied as if I was making 2 payments in a row ( XXXX and XXXX ) within the month of XX/XX/XXXX. 

Subsequently the extra amount submitted to pay down my principle ( {$1100.00} ) was not credited in XXXX. Because I paid an extra {$1100.00} over my regular payment of {$1000.00} ( a total of {$2200.00} ) SPS policy is to treat a payment within a month as 2 payments if the amount payed is equal to 2 months of regular mortgage payments. This must be illegal as I am subject extra interest for a month that hasn't even occurred as a result of this practice Any other mortgage I have ever had has automatically applied extra payments within a month to principle. They promised to credit me the extra principle of {$1100.00} within a few days of my complaint of XX/XX/XXXX. 

Incidentally i had to call 3 times as the first 2 times I was hung up on after detailing my complaint. On the 3rd call I told them if they hung up one more time I would report them to CFPB. Even though they did apparently resolve my issue, I am submitting a complaint anyway as I am quite certain they are conducting illegal and unethical business practices over there.