23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Citizen Financial Group , Inc has been providing misleading advertisements about scholarships through their other business XXXX XXXX XXXX XXXX, and their scholarship programs. The XXXX XXXX website states, You can stack your scholarships so the amount of aid you receive XXXX XXXX, unlike loans. The statement is misleading and has forced students into acquiring additional loans or dropping out of college. Citizen Financial Group and XXXX XXXX have known about scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Citizen Financial Group and XXXX XXXX have used these advertisements to mislead students into applying for scholarships so that once the students become victims of the practice, they will get Citizen Bank loans. XXXX XXXX and Citizen Financial Group must be investigated for their misleading and predatory advertisements.
Product: Credit reporting or other personal consumer reports

Please see attached documvents. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Debt collection

Ive asked for the original 1099 and they have failed to provide it plus Ive asked them to stop contacting me until I receive the requested information. They continue to reach out by calling me. To my knowledge its violating 15 USC 1692c ( c ) because they are sending me calls and still reporting to my credit which is a form of contact.
Product: Credit card

XXXX XXXX, 2016 XXXX ran my credit report without my knowledge. They never informed me they were running the report. They planned on raising my interest rate. XXXX of the reasons they gave for the increase was too many inquiries on my credit report. Because they ran the report it lowered my credit score.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and I noticed that some hard inquiries on my credit report don't have a permissive purpose according to the Fair Credit Reporting Act. Anything furnace on my consumer report must have a permissible purpose according to 15 USC 1681 B I never permitted these companies to access my Experian credit report. When I ask Experian for proof they can never generate proof, they still deem the inquiries belonging to me which is illegal and it violates my FCRA rights. 

XXXX XXXX, XXXX According to Cushman V Transunion 1998, Experian is supposed to ensure MAXIUM POSSIBLE ACCURACY. This account violates these laws. 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5. 15 USC 1681eb. Delete XXXX. 

XXXX XXXX FL XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2026
Product: Debt collection

National Credit Systems colluded with XXXX XXXX XXXX to defraud me out of a balance of {$12000.00}. I was legally protected from payment rent during the XXXX COVID19 rent moratorium. The XXXX County CARES Housing Assistance program ( XXXX ) approved reimbursement of my {$12000.00} to the landlord ( XXXX XXXX XXXX XXXX ) for rent and assessed late fees due to COVID-19. However, the property management staff at the time was either incompetent or committing fraud by requesting me to pay the {$12000.00} balance despite my approval for the XXXX program and being unemployed and unable to pay. 

XXXX XXXX XXXX colluded with National Credit Systems to defraud me out of this balance. In fact, NCS continues to offer me a reduced settlement ( see attached letter ) for a balance that I do not owe. NCS has maliciously tarnished my credit and reputation for the sole purpose of financial greed to profit from the worst financial and health crisis we have experienced in COVID19.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Product: Mortgage

at the end of last year the cellar informed me that her husband had deceased and Fidelity National was holding funds for my payments to her until they could verify that she was the new recipient for this account please note that I've never been late on a payment and I tried 2 get a clear and decisive answer from this company and never could get a clear answer on what was going on with my money that I was sending 4 payments on this mortgage they cancelled my automatic payments at one time and I still couldn't get a clear answer of what was going on so for my protection I put a stop payment on their automatic payments going to them for this payment on the mortgage and sent the payment directly to the seller in the month of XX/XX/2019 and now all the sudden they show a non-sufficient fund for payments on my credit I have called them since then and the guy that I spoke to said that they would straighten it out and remove that non-sufficient funds I have also remove the stop payment from my checking account so that they can receive payments automatically again I just did that this week on my last statement from XXXX they showed that my interest that was applied to this mortgage payment last month was double of what it should been and I asked them to straighten that out to please note that they are not carrying this note for me they are not my lender the seller is carrying the note they are only supposed to be handling my funds and making sure that the seller gets the money that I pay for these mortgage payments I noticed on my credit report from XXXX that it shows that there has been something reported oh my credit that has to do with my mortgage payment a my mortgage payment should not even be acknowledged with the way it's set up through this company since the seller is the one carrying the note can you please look into this for me and straighten out this thing that has been reported to my credit that's a negative it's made my credit score go down 47 points and it's not fair to me they are the ones that was not disbursing funds to the seller as they should and I did what I thought I needed to do to make sure that the seller was getting her payments thank you very sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at a complete loss of words the the lack of assistance and justification I had received in regards to a debt I do not even owe. On a XX/XX/2022, upon reviewing my credit report I noticed an account XXXX listed as a collection from XXXX  XXXX but the original creditor is XXXX XXXX XXXX XXXX, with an amount due of {$1000.00}. There are several issues wrong with this debt. The first thing issue is that I have already reported this is a fraudulent account with the last debt collection that attempted to collect on behalf of XXXX XXXX XXXX XXXX which was XXXX XXXX and this was removed. Now here is another company attempting to collect the same debt previously confirmed as fraud. I also noticed that there obviously is some inaccurate reporting information wrong with this account as well such as the open date on Transunion reports as XXXX with the current status as account open while XXXX is reported open date of XXXX with current status as closed. If you are going to place a fraud account that was opened as a result of identity theft at least report consistent information. I have written to XXXX XXXX agency and they sent documents saying this debt is valid but again provided me with the identity theft documents. Please help me get this fraud collection removed.
Product: Debt collection

I have been a victim of the XXXX XXXX breach and I have a confirmation from XXXX ifact I have been a victim
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my credit report and asked the Transunion credit bureau to check and make sure everything was complete and accurate according to 15 USC 1681i Ive waited more than XXXX  days and I havent received a response. The dispute file number is XXXX and was submitted on XX/XX/XXXX. It is now XX/XX/XXXX. 

Transunion hasnt even recorded the current status of the disputed information. 

Transunion is holding me back from purchasing a home for myself and my family. This is extremely frustrating because my family needs a home and Transunion is not doing its job according to the law
Product: Mortgage

Today XX/XX/XXXX I was made aware of an escrow analysis that I believe to be incorrect. Carrington mortgage services is raising my monthly payment from XXXX to XXXX do to a escrow shortage of around XXXX. I checked all my taxes and they have not increased significantly. My water sewer bill was taken out of escrow on a one time payment. The mortgage Co is now counting that into my yearly taxes. I pay out if pocket for sewere water. Also I have no missed payments. I believe that an error has been made and they said I can not get another analysis till XX/XX/2024 or until the shortage is paid off. I can't afford that lump sum. I've called and given them all my info from my tax numbers.
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 tak timely and effective measures to prevent ar. 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Checking or savings account

WELLS FARGO has an extra day grace period to avoid overdraft fees. This has been going on for over a year and no help on their part. They email of multiple call back request but I appear to be forgotten each time. I'm told someone would look into this Yet we going on two years. Protocol is I receive an alert stating that my account is in the negative and I have until the end of day to bring it current or I will be charge {$35.00} I WILL THEN MAKE a deposit SAME DAY based on the amount that was emailed, then after XXXX the next day I noticed I am charge {$35.00} either way because something else came through that they didn't educate me on or Wells Fargo just not honoring the grace period. The email request would specify one amount when reality it will be for another amount just to charge me another {$35.00}. I am as of today at a lost of about {$210.00} of overdraft fees for them not honoring there grace period or there pacific time mix with my eastern time was not a factor when they decided to make such an offer. I primary only us this account to cash business checks outside of that I HATE it outside odds because they cant handle this small task and bills I allow through. Per Wells Fargo With Extra Day Grace Period, you have an extra business day to make deposits and avoid overdraft fees. If your available balance covers the prior business day 's overdraft items as of XXXX Eastern Time, we'll waive the associated overdraft fees. 

THATS A LIE AND FALSE ADVERTISEMENT Prior business day overdraft items that are not covered by XXXXXXXXXXXX Eastern Time are subject to applicable overdraft fees for whenever they feel like it even if you pay the same day. 

I have attached what my day looks like after I receive an email, make a deposited and the next day if I owe and a different amount. I took a screen shoot of my account balance current after I was asked to make my account current by the end of day, I did and the next day I am down - {$33.00} Date in question was XX/XX/2023 to today the XXXX
Product: Money transfer, virtual currency, or money service

I sent Zelles to a company that did not provide the service and I was not able to get that money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are not responding to any of my numerous requests to investigate accounts in my consumer credit reports that were opened fraudulently and provide me the documents with the original signatures that prove the accounts were in fact opened by me.
Product: Money transfer, virtual currency, or money service

A fraudster claimed to a puppy breeder charged and asked me to transfer XXXX $ for the puppy fee including the shipping. Transfer this amount of XX/XX/XXXX on XXXX the breeder confirms that they have registered the puppy at a shipping agency and they would ship the puppy soon. 

However, the shipping agency reaches out to me saying that the puppy is not in a shippable crate and can use their crate for it to be shipped out for a refundable deposit of XXXX $ transferred this amount on XXXX however the puppy never arrived. 
I used Zelle from XXXX mobile app, Reached to XXXX XXXX and they say Zelle is the third party and they can not help any third party transaction and Zelle says we have to contact the bank to revert the transaction. 
Its been a wild goose chase, either XXXX  nor Zelle want to help me, all they can say is, unfortunately, we can not help in this situation Zelle case number : XXXX
Product: Debt collection

XX/XX/2023 at XXXX I spoke with customer rep from sunrise credit service- XXXX XXXX XXXX in regards to a collection for {$14000.00} on my credit report that is not mine and is fraud. Someone has stole my Information and is using it. The sunrise credit service told me that a address from XXXX XXXXXXXX has used my information. Sunrise credit service Rep is sending fraud papers to me to fill out and send back for further investigation for fraud. I have disputed and froze all line of credit from XXXX, XXXX and XXXX. I'm getting a police report done today as well.
Product: Checking or savings account

I was a victim of fraud with Fulton bank. Fulton bank cashed a fake check and took my money and left my account in the negatives. The fraudulent check came from an indeed job posting. I have email correspondences stating it was not legit. Indeed removed job postings so no one else was subject to what I am going through. They told me I was going to be employed as a driver and I would need to cash the check and put a deposit on the vehicle. I sent them all my information including driver license, social, and birth certificate. Fulton Bank has taken all my paychecks deposited into the account and money that was previously in my account. They did not even file a dispute for fraud but took all my money and will not release it. My contact information is XXXX. I am a single mother with two kids and recovering from hysterectomy due to XXXX XXXX. I am disgusted with how I am being treated and now being stolen from. All deposits going to be made will be taken from me. They said they could not close the account only freeze it so I can not use it but money can still go in that they will take. I have attached all documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, 3 are in adverse state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

XX/XX/2020 noticed PayPal had removed {$1.00} from my checking account On XX/XX/2020. Was told that Symphony represented PayPal but was not PayPal. Was not able to talk to a PayPal customer service member because it was after hours. However, Symphony appeared to be authorized to ask for my name, phone number, and last four digits of my social security number. The represents on the phone was also calling themselves A PayPal Credit representative. 

My issue about having an unauthorized withdrawal is unresolved and I attempt will follow up. More than likely I have been robbed by a transaction from ACH/PayPal with a bi-line XXXX XXXX I see Im probably 1 in 700 plus being robbed with some sort of online exposure. In which case I dont know what to do.
Product: Credit card or prepaid card

I have had my Discover Card for 20 years! Never late and always a good customer. Well I have n't used my card in awhile so it had a XXXX balance. I have n't got any notices from Discover Card, no  statements or anything. 
Im in the process of buying a house and my lender pulled my credit and there is a 30 & 6 day late XXXX & XXXX of 2017! It showed currently late for a charge of {$25.00} that I did n't make. I called them and they were very rude to me advising me they sent something to my email but I checked my emails and junk and there is NOTHING! 
I am never late on anything with my credit and if I had received a notice I WOULD HAVE took care of it! I mean they can see on my account that I am not someone who is late. 
They were so rude that I closed my account and just paid for the charge.

Discover Card should have disputed the charge for me and the late payments etc would have been reversed and the account would have been fixed. 
But they refuse to help me. One their site they even have a GOOD WILL CLAUSE! On their commericals they claim how they will help you yet they would prefer to lose a long lasting customer of 20 yrs for a mistake charge. I have contacted them several times to fix my account and reinstate it but nobody will help me. 
Because it was n't my fault and because I never got a notice I would like the late payments removed and my account reinstated - open again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Reporting an unknown inquiry
Product: Mortgage

Since XX/XX/2020 Freedom Mortgage has refused my Loss Modification mortgage package even though I am well qualified for a Loss Modification with an increase in both my wifes and my income. I have been denied 20 times due to missing documents that have been looked over by 3 people my attorney, mediator, and myself. We are all in shock on how Freedom mortgage continues to ask for more uncompleted documents that they claim have not been submitted or making any excuse to not complete the revciew. My attorney believes they are purposely trying to stall the process and deny the approval just to deny it based on no evidence that we are not qualified. 


Company of complaint : Freedom Mortgage Email address : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX NY XXXX