23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Inquiry from EXPERIAN XXXX  CRED on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
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 proces 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
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that unauthorized accounts and inquiries have appeared on my credit report. As a result, I am requesting that all accounts and inquiries listed below be blocked and permanently deleted in accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$7800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$540.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$42000.00} Inquiries to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Student loan

In 2007 I took out a private student loan with sallie Mae to attend school at XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX, NH. The student loan was switched to Navient shortly after I had left the school. Navient claims they paid the school over {$20000.00} in the XXXX and a half month period I attended the college. I began classes in XX/XX/2007 and left the school at the end of XX/XX/2007. After leaving the school, the school closed down for not meeting standards and repeatedly failing to maintain health regulations. Over the past almost 15 years I have struggled to pay my loan. Navient repeatedly recommended placing my loan into forbearance and income driven repayment as well as being placed on hold while I attended classes at another college. My loan currently is higher now than when I left XXXX XXXX. Navient has repeatedly raised my rate the increase the dollar amount of interest owed. At this time my loan does not appear to be going down with the payments I make. Myself as well as so many others have had nothing but issues and hardships due to this company while trying to repay a loan that will never go away without making huge unreasonable payments on it. My husbands sister had the same exact issue for years. I hope all of those individuals looking for a student loan stand clear of Navient as they are untrustworthy, manipulative, and condescending. They have only the companies wallet in mind and will not have one care if things become tight and its difficult to make payments.
Product: Debt collection

Navy Federal Credit Union. 

back in XXXX, I owed just over XXXX to Navy Fedral. 
I Settled the Debt with them.

they issued me Documents to pay taxes on the Settled Debt.

meaning they also received tax benefits from the Settled Debt years later, I now have a Family I'm successful and average over XXXX XXXX XXXX. 
I call to apply for a HELOC, and they request that I pay the reminder of the Settled Debt. 
they would benefit form the Tax benefit they already received, recuperate all the money, and I would lose in multiple ways. my attorney mentioned this is not legal, and that Navy Federal is not Acting in good faith and that we should report them.

we are not suing as I wont do business with them, but i will file complaints for investigation as this is deceptive and I can see other people falling for this trap, and the bank is likely taking advantage of the IRS with this type of practice. 
we are working on a public form to expose Navy Federal for this types of illegal Tactics how can a company demand payment of settled debt years later in order to do business. I'm i wrong?
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX  and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$580.00} ; XXXX  XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/2019 at XXXX XXXX ( 31 mins ), XXXX XXXX ( 2 mins ), XXXX XXXX ( 1 min ), and XXXX XXXX ( 16 mins ) I called my mortgage company Mr. Copper. I spoke with XXXX ( ext # XXXX ) in regards to a letter I received in the mail. The letter has a statement date of XX/XX/2019. In the letter it states that I have to pay {$80.00} to my escrow account by XX/XX/2019 to have a monthly payment of {$990.00}. Mr. Copper calls that option 1. That is an increase from my past monthly payment of {$980.00}. Option 2 is to have the escrow shortage divided for 12 months and my new monthly payment will increase to {$1000.00}. I paid {$90.00} on XX/XX/2019 to my escrow account to have my monthly payment be option 1 of a monthly payment of {$990.00} and yet my monthly payment increased to {$1000.00}. 

The reason for the call was ensure if I place {$1000.00} in my escrow account would it decrease my monthly payment. When speaking to XXXX she told me that was not possible. I told her I would like to see a copy of Mr. Copper 's policy on escrow accounts and would also I like to speak with her supervisor. The supervisor name is XXXX ( employee # XXXX ), she gave an analogy of the escrow account being like a bank checking account. She said, " If you escrow account is in the negative, then the increase in the monthly payment increases to cover the projected escrow cost. '' I then said, " If that is so then if I transfer {$1000.00} my escrow account then my monthly payment should decrease. '' She told me that is not correct and the escrow account could not have a positive amount and I would receive a refund the following monthly. I then ask if she could send me Mr. Copper 's policy on escrow accounts, a document in writing where it clearly states that as being the company policy. 

It is now XX/XX/2019 and I have not received Mr. Copper 's policy on escrow accounts and that is my chief complaint. 

My secondary complaint is that I paid {$90.00} to my escrow account on XX/XX/2019 to have my monthly payment of {$990.00} and it still increased to {$1000.00}. 

This occurred to me last year as well. I paid the required escrow payment and my monthly payment increased anyways. I am sure if Mr. Copper is doing this to me they are doing it to other people. 

-- Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with XXXX has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.
Product: Checking or savings account

Chime shut down my account without telling me I called them and they said they found some activity on my account but they would not describe what kind of activity so they shut my account down where I was getting my social security XXXX at they also sent me several emails last night and early this morning saying how abruptly sorry they are but still would not give me a reason of why they should my account down but won't give a reason why they terminated a relationship with me
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Product: Checking or savings account

Santander bank was notified when the charges were pending two fraudulent charges to my checking account. SANTANDER BANK HAS REFUSED TO REPORT THIS TO AUTHORITIES. I REPORTED IT SINCE THEY DID NOT DO THE XXXX POLICE BECAUSE THEFT FROM MY DAMAGED RECREATIONAL VEHICLE RESULTED IN THEFT BY EMPLOYEES OF THE TOWING COMPANY. THE POLICE OFFICER AND THE CHIEF OF POLICE ARE ONLY CONCERNED ABOUT A GENERATOR THAT WAS SOLD TO A PAWN SHOP NOT THIS COMPLETE LIST : MISSING PRESUMED STOLEN : 1 ). NEW JERSEY DRIVERS LICENSE #. XXXX XXXX XXXX XXXX ) XXXX PASSPORT # XXXX. ( expires XXXX XX/XX/XXXX ) 3 ). DEED TO PROPERTY ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX } XXXX XXXX, XXXX XXXX XXXX BIRTH CERTIFICATE ( ORIGINAL NOTARIZED of XXXX XXXX XXXX ) 5 ) HAND WRITTEN NOTEBOOK WITH CODES, USER NAMES, PASSWORDS ( most with missing parts, or descriptors only I would know, non-the-less it was taken from the wreckage at XXXX XXXX ) 6 ) {$400.00} GENERATOR STILL BOXED ADMITTEDLY STOLEN BY AN EMPLOYEE OF XXXX XXXX ) 7 ) 2 LARGE 28 '' BLACK SUITCASES 8 ) BOTH TEMPORARY LICENSE PLATES OF XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX  9 ) possibly because of above or not 2 amounts of money attempted to be removed per banker by using ROUTING # and Acct # SANTANDER BANK. 
a ) {$320.00}. XXXX b ) {$49.00}. XXXX Santander Bank has been helpful in letting me access my funds 75 % of the time. but as an elderly person having episodes of fraud like this for the last 10 years as a police refuses to take reports, I am insisting that the bank report this to the authorities, including the FBI this is Elder crime through the Internet, reportable to IC3 of the FBI. I have been reporting this for the last 9 to 12 months and have not been contacted by the FBI. It's imperative that Santander bank also reports it. CFPB HAS TREMENDOUSLY HELPED WITH MY FRAUD COMPLAINTS BUT THE ROOT OF THE PROBLEM MUST BE REPORTED TO FBI, IC3, ELDER INTERNET CRIME, whatever the correct TERMINOLOGY... XXXX am a XXXX XXXX XXXX XXXX and POLICE DO NOT TAKE REPORTS, DO NOT DO THEIR JOBS, THE CFPB AND SANTANDER BANK NEED TO CONTACT FBI SINCE I AM XXXX AND HAVE LOST {>= $1,000,000}
Product: Debt collection

AMERICOLLECT continues to call me daily despite my account has been removed from my credit and I tell them every time to stop calling me. They continue to call and leave messages and when blocked they call from different numbers. I want them to completely stop calling me. Both XXXX and XXXX report the 2 AMERICOLLECT accounts have been closed and removed. There is no reason to continue to call and harass me.
Product: Consumer Loan

Santander came today to Reposes my XXXX after months of trying to renegotiate my 37 % predatory loan now they want to Reposes my XXXX i need help so i want the XXXX banks mortgage relief center and his team of law firms to audit the car loan and see if it hassecuritized in XXXX of those Asset backed securities
Product: Debt collection

I am unaware of this debt. I did not have the oportunutity to dispute this I did not recieve proper notification if in fact you believe I received proper notification please provide the certified mail receipt with my signature stating I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX XXXX {$2200.00} DPT ED/XXXX XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX  XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXXXXXX 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, credit repair services, or other personal consumer reports

There is an account that is being reported on my credit report identifying me as an authorized user on that account. This account is not associated with me in any way possible, I did not authorize this account and have XXXX knowledge of that particular account. I reviewed my Equifax credit report and notice that a fraudulent account is being reported on my credit report. I contacted the company directly and tried to resolve the issue but they informed me that I do not have an account open in my name that is associated with them so they were unable to identify me and help remove the fraudulent account. They advised me to reach out to the CRA Equifax and request they Delete the fraudulent account entirely off my credit report, but after speaking to Equifax over the phone they have not placed a dispute on the account and have not resolved the issue.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Product: Mortgage

My loan documents show tax payments due in XX/XX/XXXX and XX/XX/XXXX. The current servicer, Wells Fargo Home Mortgage, has changed the XX/XX/XXXX tax payment to XX/XX/XXXX ( though there is no difference in when it is due ) in their escrow analysis and now claims that the escrow has a deficiency. My tax and insurance obligation have changed by less than {$30.00} per year from when the loan was made, but Wells Fargo Home Mortgage is now claiming an escrow deficiency of over {$400.00}. It is clear by making the calculations that this is due solely to their changing accounting methods and using XX/XX/XXXX instead of XX/XX/XXXX for the tax payment date despite there having been no change in when it is due from the time the loan was let. Wells Fargo Home Mortgage ( who are not the original servicer ) claims that they can not make a tax payment by XXXX XXXX without accounting for it as a XX/XX/XXXX payment, but XXXX XXXX XXXX, the original servicer, had no problem doing so, as evidenced by the original loan documents. I do n't believe Wells Fargo Home Mortgage is allowed to change the accounting method without notice, and that notice would have been due within 60 days of the change in servicer, and was never given. I complained to Wells Fargo Home Mortgage by phone, and after review they have indicated they will not change their escrow analysis.
Product: Debt collection

I was recently denied my XXXX student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " XXXX XXXX '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX XXXXXXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.
Product: Mortgage

My Mortgage was with Bank of America from XX/XX/XXXXthru XX/XX/XXXX around that time I was unemployed and had to file bankrupted but from XX/XX/XXXX thru XX/XX/XXXX the payment were being made by the trusteed and Bank of American start out receiving payment in the amount of {$1100.00} and the payment drop to {$1000.00} but in XX/XX/XXXX I loss my job and the bankrupted case was dismissed and the last payment that was sent to Bank of American was in XX/XX/XXXX but I received a letter from Bank of American stating that the account was soled to XXXX XXXX  however I received a statement from XXXX XXXX stating that I own over {$11000.00} XXXX dollars but my attorney stated that the account was current and I 'm not sure who made the mistake ... ..Trying to clean up my credit report and I need some help ... .Thank you.