23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency in question persists in illegally trying to collect on a Home Depot store credit card that was closed by me in the Summer of XX/XX/XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.
Product: Mortgage

I applied for a forbearance plan XXXX of 2020 under the Cares act due to the Covid-19 pandemic. In XXXX, I notified my mortgage company i was ready to resume payments. The sent me the Documents on XX/XX/XXXX, they were received back XX/XX/XXXX. I resumed making payments in XXXX, I was not allowed to make payments online so every month I had to call, and sit on hold for a least 20 minutes at a time just to make a payment. In XXXX, Loancare started reporting me as delinquent, I disputed this in XXXX and the late payments were removed. keep in mind, they still had not finalized my paperwork or forbearance. In XXXX, finally, my forbearance was processed and i was allowed to resume making payments online, no more sitting on hold. Unfortunately, they also reported me as being delinquent for 11 months, again ... I disputed it with them again, and today received a letter from them claiming that the reporting is accurate. Mine and my husband credit reports are now reflecting 11 late payments from Loancare that were covered under the Cares Act. I am asking for help to have them removed.
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 violated 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 was unfair and deceptive as they did not comply with error resolution requirements under the Electronic FundTransfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/year>, I went in-branch to open a Business checking account. I was responding to a promotion ( XXXX ) in which I had to open an account and deposit {$30000.00} ( in " new money '' ) to the account, and hold it there for 60 days. BofA would then add {$1000.00} to the account. 

I had the help of a bank representative, XXXX XXXX, who helped me open the account and explained the steps to me. 

On XX/XX/XXXX, I transferred {$30000.00} from my external account at XXXX XXXX to my business checking account. Because my business checking account was not electronically linked to XXXX, and because my personal BofA checking account *was* electronically linked to both XXXX and my business checking, I transferred the funds from XXXX in a two step process : first to BofA personal and then immediately to BofA business . ( The ledger for my personal checking accounts shows that this was done immediately. ) On XX/XX/XXXX, I contacted BofA, and they told me I was denied the bonus because the account was not funded with " new money ''. The " two-step '' process described above apparently disqualified me. I explained to the phone rep that any reasonable human would see that I transferred in new money to the business account and that BofA was denying me my bonus based on a technicality. ( See attachment : monthly statement ) Frustrated, I immediately closed my Business BofA account.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Ac

t, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearin
g from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX  fraudulent account XXXX XXXX XXXX XXXXXXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX  CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I have not attended college since 1995 both navient XXXX   TransUnion and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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. 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 XXXX as proof from the XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Product: Student loan

I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to Sallie Mae -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and Sallie Mae would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

Sallie mae told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to XXXX XXXX XXXX -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with Sallie Mae they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with Sallie Mae I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure Sallie Mae is not the only company that does not offer income based repayments Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 4 dispute requests, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. They were not verified but were not deleted from my report. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

My paypal account is stollen from some one else. He stole my account and transferred {$1000.00} XXXX to himself. 

I asked paypal to fully review the case and refund the money back to me. Paypal failed to do so. It concluded within 5 minute that there were no unauthorized transactions and the case was closed within 5 minute. 

Clearly, a person who stole my password and username logging into my paypal from ANOTHER location without VERIFICATION could SUCCESSFULLY transfer money to himself. 

I now stop using paypal and encourage everyone else to stop using paypal too. Because paypal is fully INSECURE and filled with SCAMS/FRAUD/HACKERS. Paypal employees also fail to address these issue and make their work a lot easier by CLOSING THE CASE WITHIN 5 MINUTE WITHOUT A REVIEW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX refuse to remove fraudulent inquiries on my Credit Report. On XX/XX/XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with Equifax and XXXX. Thank you for your time.
Product: Checking or savings account

Hello, My complaint happened on XXXX, XX/XX/2023, after the XXXX XXXX XXXX hour at the PNC bank located at XXXX XXXX XXXX XXXX, XXXX, FL. 
I went to the drive through to cash a check, as I have an account with PNC and the check was written to me from a Realty company that also has an account with PNC. 
I was recently married and had not yet changed my name on my PNC account. However my State ID had been changed to reflect my married name and the check was written to me using my new married name. 
I presented the check, my ID, and my account information to the teller. I had asked that she cash and deposit the funds to my checking account. 
She returned and stated she could not cash and deposit the check because my last name was different that my account name. 
I then asked her to just cash the check from the realty account. She came back and said she can not cash the check either!!! 
I asked her why was there an issue cashing the check off of the account it was written from as my ID and the check had the exact same name. She refused, I asked to speak with a manager. The manager was unavailable. I was in the drive through line over half an hour trying to get a resolve.

Finally, the teller stated she could cash the check " if '' I signed my name as it appeared on my account. I asked why would I do that because the check was not written to me using my old name and she didn't have to cash it using my account, use the account it was written from She refused and stated the manager was still unavailable..

I became frustrated and ask that she just return my check.

I phoned PNC to make a complaint and was told I should receive a call within 24 hours.

I went to a different PNC bank and was able to cash my check without an issue. I felt I was disrespected and mistreated. I don't feel anyone should be treated as such from one bank location to another. They should operate under the same procedures.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below has federally protected consumer rights to privacy and confidentiality under 12 UDC 1681. 

Accounts Account # XXXX XXXX XXXX... 
XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 

12 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 con not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting may make any consumer reposts containing any of the following items of information, other than records of convictions of crimes with antedates the report by more that's seven years.

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

In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights to privacy.

15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.
Product: Credit card

I decided to close my secured credit card on my own. 

On XX/XX/XXXX, I called the hotline to ask about the best way to do it. The support manager said that since I haven't used this card for a long time ( about 7 months ) and there were no any transactions on it, the best way for me is to go to bank branch and then, after closing the card there, they should return my deposit ( {$3000.00} ) right there at the bank. 

Having taken this information into account, on XX/XX/XXXX, I went to a physical bank branch and said that I need to close the card and get my deposit. One of the managers offered to help me. But, in the end, he only closed the card and refused to return the deposit personally. Instead, I was told that the money would be returned to my checking account by midnight. But, contrary to the promise, the money didn't arrive there even after a week. And when I went to this bank branch again on XX/XX/XXXX to clarify the situation, another manager told me that they don't plan to return my money for another 2-3 weeks.

I consider this a Fraud, SCAM and ask you to take action regarding this situation. Thanks.
Product: Debt collection

Velocity investments has sent several letters, at least XXXX from several different lawyers saying that I'm being sued and I'm not aware of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from XXXX XXXX which is not mine.

They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021