23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is not responding to my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Product: Student loan

I have XXXX XXXX, so I check my credit frequently just to make sure nothing is going on that shouldn't be. I was in college for years, I have several loans. For about the last year, maybe a little longer, Navient is taking whole loans off my credit, and putting them right back on the next month. It will be fine for a month, then they do it again. My score is effected when they do this nonsense!
Product: Mortgage

You transferred the servicing of my loan to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX loan number XXXX ) effective XX/XX/2021. I made three mortgage payments by ACH transfer to you on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have attached copies of my bank statements with these payments highlighted. 
I was informed by XXXX, XXXX that the XX/XX/2021, payment was transferred to them. As shown on the attached bank statement for the month of XX/XX/2021, on XX/XX/2021, you refunded the XX/XX/2021, payment to the bank account from which it was paid. The XX/XX/XXXX payment has neither been transferred to XXXX, XXXX nor refunded to me, as I believe is required by law. 

I have had numerous telephone conversations with your Customer Service Department, as well as with Customer Service of XXXX XXXX XXXX, to get this matter resolved, to no avail. In the meantime, XXXX XXXX XXXX is attempting to collect late fees from me, and has even sent two Notice of Default Right to Cure letters because of your failure to transfer the XXXX payment as required by law. This is causing my wife and I a great deal of stress and XXXX.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B obliges us to delete any inaccurate accounts from my credit report. Can you check the documents? Some of the accounts have mistakes in reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app ( Block , Inc. ) due to inadequate customer service and unfair practice, which violate the Customer 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 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 cause significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt collection

They contacted me saying I owe them money, when both XXXX XXXX snd XXXX said my account was XXXX balance. I asked them for validation and statement they wont unless I dispute it. They got hostile and rude yelling at me.
Product: Credit reporting or other personal consumer reports

MOHELA sent a letter dated XX/XX/2024 that states loan sequence 11-15 are satisfied and that I have no obligation or required to make any more payments. The loans are still appearing on my account and I wish to have them removed because I am about to retire and do not need any obstacles.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : MIDLAND FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. 

Thank You Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

It is ridiculous that as a consumer i have to pay to freeze my credit. There 's no reason i should be paying, especially when outside businesses are the ones making errors letting personal info get out. A credit freeze and unfreeze should be free.
Product: Credit reporting, credit repair services, or other personal consumer reports

These ppl are XXXX  of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report
Product: Credit reporting or other personal consumer reports

I placed a Security Freeze on my XXXX XXXXSagestream Consumer Report back on XX/XX/XXXX. If there is a XXXX XXXX placed on my consumer report, then XXXX XXXX does not have the authorization to share my consumer report or any information on my report with third parties. On Tuesday, XX/XX/XXXX, I received a credit denial letter from XXXX stating that they obtained information from one or more consumer reporting agencies as part of their consideration of my application. The notification listed XXXX XXXX XXXX XXXX, XXXX and SageStream , LLC as their sources of reporting agencies. I have attached two documents : Proof that my XXXX XXXX Consumer Report has an ACTIVE SECURITY FREEZE since XX/XX/XXXX and Proof that XXXX XXXX/SageStream were listed as sources of consumer reporting agencies that provided my report under an ACTIVE SECURITY FREEZE.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I paid 2 different companies to resolve my credit issue but nothing happened.
Product: Credit reporting or other personal consumer reports

I received a letter from Credit Collection Services stating that it has been authorized to collect a debt from me. Unfortunately, this company did not extend the proper disclosure notices to give the consumer a chance to opt-out of such information being reported. 

According to 15 use 6802- Obligations with respect to disclosures of personal information, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution must clearly and conspicuously disclose to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The consumer never received any of the above discloses so this company do NOT have any authorization, written or oral, to report any nonpublic information on my consumer report. 

There has also been a violation of 15 use 1681c Requirements relating to information contained in consumer reports. " ( a ) Information excluded from consumer reports.

" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The definition of Antedate is " precede in time ; come before ( something ) in date. '' This means that any collection account that is NOT seven years old at least, is excluded from a consumer report.

Since my rights were violated, and proper opt-out notices were not given before this information was reported, I demand that and collection accounts being reported by Credit Collection Services on my consumer report be removed immediately. 

Sincerely, XXXX XXXX
Product: Checking or savings account

* Your name : XXXX XXXX I made a deposit about a XXXX  ago now and the person who owns the account still hasn't received the money. The deposit was made in person at a branch but I can't find the receipt. I've been to the branch XXXX different times now, last one with the recipient of the account and they can't find the money. What are my options? XXXX at the branch almost excorted us out of the branch saying that we're lying. PLEASE HELP! 

* Your preferred contact number : XXXX XXXX XXXX XXXX XXXX XXXX Date of deposit : XX/XX/2023 ( Maybe XXXX? ) * Time of deposit : Around XXXX * Amount of deposit : XXXX * Source of funds ( i.e., cash, cheque, etc. ) : Cash in branch with teller * Full name of account holder : XXXX XXXX - XXXX XXXX XXXX XXXX * Account information provided on the date you visited the branch : Acc Number : XXXX *Branch Location : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I processed a balance transfer to my Chase Amazon card in the amount of {$3900.00} on XX/XX/XXXX. The balance transfer was offered at 0 % until XXXX of XXXX. I also had purchases on the card. I have made payments in the amount of {$3600.00} since the balance transfer was processed. Chase has been applying the minimum payment ONLY to the purchases at 24.49 % APR and then applying the remaining payment to the balance transfer at 0 %! The statement reads under how to avoid paying interest on purchases, " Because we apply payments in excess of your minimum payment first to HIGHER rate balances, you may not be able to avoid interest charges on new purchases if you have another balance at higher interest rates unless you pay your balance in full each month. '' Therefore they should be applying these large payments to the purchases at 24.49 % APR, however they are applying to my 0 % balance transfer. I have contacted them 5 times since XX/XX/XXXX as I have been charged interest on purchases made. Their response is that " If you pay your minimum payment, it will be generally allocated : - First towards any flexible financing offer balances with special payment obligations which require repayment of the balance over a pre-selected number of billing periods. 

- Then to balances with the lowest APR - Then to balances with the highest APR This is contrary to what the statement reads and predatory lending in my opinion. I have requested several times that they adjust my bill to process the payments made to the higher interest purchase balance but they just keep responding with the above statement. I can not pay the full balance or I would have never completed the balance transfer in the first place!
Product: Mortgage

We applied for a loan modification with our mortgage company on XX/XX/XXXX. For the past 8 months, we have spent countless hours calling and uploading the required documents. We have been assigned 2 different 'relationship managers ' during this time and never once have we spoken to the same person. Every time we have a different person and we can not get connected with the underwriting department. From XXXX we made repeated phone calls to resolve the conflicting information with one of my husband 's paystubs. We uploaded all documents and repeated ourselves numerous times. On XX/XX/XXXX we finally received a completed package notice. This is probably the 6 or 8th time since we first filed that we received the notice it was complete. On XX/XX/XXXX after almost 2 weeks of having a completed package notice, we then received another missing information notice informing us there was an issue with a paystub and to call. We called and again were informed of the same issue for which we thought it was resolved. We provide all updates and on XX/XX/XXXX we received another completed package notice. on XX/XX/XXXX another missing item notice was received, again related to my husband 's paystubs. Then again on XX/XX/XXXX we received a completed package notice. Now on XXXX after 90 days spent resolving 1 issue, they are requesting updated unemployment income. I am no longer unemployed and will be providing them with the required P & L for my XXXX XXXX. I lost my job as a result of my XXXX XXXX COVID19 layoffs. I spent a year and a half unemployed and we never missed a payment. We worked with SPS to participate in the COVID relief programs they offered and paid all our reduced payments and the balloon payment that was delayed. We have excellent credit ( 830+ ) and haven't defaulted on any loans. In fact, during this time we were able to payoff our second mortgage. All we want is a loan modification locking in a fixed rate. We're not looking to take out any equity which is approx. $ XXXX.It 's an incredibly stressful time as it is without having to go through all of this and to check online every single day to monitor the status of our loan. There is documentation of all that we have uploaded in their system which I can screenshot if needed. The calls are recorded. I'd ask that during your investigation you pull everything so you can see how compliant we have been and how we have taken every imaginable step to resolve this on our own with no success. We need help. Please.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX To Whom It XXXX Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Full Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Debt collection

15 usc 1692 ( c ) law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized credit inquiries that appeared on my credit report from XXXX, XXXX, and XXXX. These inquiries were made without my knowledge or consent, and I have made multiple attempts to dispute these fraudulent inquiries directly with the credit bureaus, but the issue remains unresolved. 
I am a victim of identity theft, and I filed an FTC Identity Theft Report to support my claims. Despite this, my disputes have been ignored or inadequately handled, and these unauthorized inquiries remain on my credit report. Below are the details of the fraudulent inquiries that I am disputing : Unauthorized Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX BMO Bank NA XXXXXX/XX/year> XXXX XX/XX/year> ( Note : XXXX has already confirmed they will remove the inquiry, but it remains on my report. ) I have sent letters to each of the credit bureaus, requesting the immediate removal of these inquiries, and I have escalated this matter to the FTC and CFPB. However, despite my repeated requests and the confirmation from XXXX that they would remove the inquiry, XXXX, XXXX, and XXXX have failed to resolve the issue or respond appropriately. 
Complaint Details : I have been a victim of identity theft and have provided supporting documentation, including an FTC Identity Theft Report. 
I requested the removal of these fraudulent inquiries via written disputes to the credit bureaus, but they have not been addressed or removed from my report. 
I am being harmed by these fraudulent inquiries as they negatively affect my credit score and my ability to secure credit. 
XXXX has confirmed in writing that they would remove their inquiry, but it has not been removed from my report. 
I am demanding the immediate removal of these inquiries and appropriate action to address the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ). 

Additional Information : Supporting Documentation : Attach copies of your FTC Identity Theft Report, the dispute letters you sent to the credit bureaus, and XXXXXXXX XXXX letter confirming the removal of their inquiry.
Product: Credit card

Under the 15 U.S. code 1692d I was affected by the writer 's strike was out of work for XXXX with no income or unemployment. How ever I still made payments until I exhausted all my funds including draining my XXXX. 

The harassment I received up to this account being closed caused XXXX  trauma. They send cops to my house last week. Causing unnecessary problems!!! The calls are non stop. And the people are condescending and belittling!
Product: Credit card or prepaid card

My XXXX card ( managed by XXXX XXXX ) was sold to Marcus / Goldman Sachs some time last year. 
Transition of accounts began, approximately XXXX Since that time I have been unable to make purchases with the card. 
I have done the required account setup with Marcus.com/gm I have been on hold for more than 2 hours several days in row with their customer 'service ' line. ( so long each time that my phone battery died ) I have reported these issues to Marcus via direct message / XXXX- with the only response being an automated response. I observe other customers who have complained on XXXX receive nearly identical responses. 
Their website indicates chat is available - not so. 
There is no link provided to initiate cancellation of the card. 
There is no email address available. 
Marcus is holding we card holders hostage and responsible for any charge that may appear on our credit lines with no recourse to address the issues.
Product: Mortgage

WE ARE WRITING TO REQUEST YOUR ASSISTANCE AND SUPPORT IN WORKNG WITH OUR 2ND LENDER, BANK OF AMERICA WHO SUDDENLY DEMANDED A PAY OFF ON OUR HOME EQUITY LINE IN FULL AND KEEP REFUSING TO WORK WITH US
Product: Mortgage

For the last 4 Months, my Monthly payments have went from {$780.00} to {$1200.00} this has caused a hardship and a struggle to keep up and prevent from getting behind in my payments. I have reached out to my loan servicer on several occasions only to be bullied into paying without any suggestions or help or any available solutions Although I have a signed contract with a fixed rate loan, my payments exceeded {$400.00} over my contract amount. We are currently in a pandemic were hourly salaries are impacted from week to week based on consumer buying habits. There is currently a moratorium on mortgages through the Federal Govt yet Ameris Bank has engaged in price gouging and very slow relief efforts. 
I applied for the lower tax rate of 4 % with my local county Assessor 's office which took 10 weeks to go through the review and approval process. Although my loan servicer knew an approval would mean a reduction in taxes owed I was told that I had to continue to pay the overage until they received the information and proof. 

They have received this information yet when you call them they continually have an excuse as to why my mortgage payments have not been returned to normal, They have no urgency in trying to help me except to bully you by saying you must pay the overage until the issue is resolved. {$400.00} is a large amount of money, money that can be going toward other obligations to keep those bills from going past due!
Product: Credit card or prepaid card

I requested statement copies for Mastercard account ending in XXXX on XX/XX/XXXX, it is now XX/XX/XXXX and nothing received to date. I spoke with a rep in recovery, I do not have her name available to me, she stated she was able to request statement copies from account opening to closing. I called again recently on XX/XX/XXXX, the rep confirmed they were sent out, he could not tell what date. I believe if they were sent out they should have arrived by now, it appears the package is lost. I request statement copies resent, I need the entire account history from opening to closing. A rep by the name of XXXX I believe the name is stated they reached out in XXXX which I have no record of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordamce with Fair Credit Reporting act. The list of accounts below has violated my federally protected consummerv rights to privacy and confidentiality ; under 15 U.S.C 1681. XXXX XXXX XXXX # XXXX