23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I never received a statement for a payment, when notified I immediately made a payment by phone. Upon completion of making the payment the representive demanded my insurance companies name even after I declined to provide. I was advised my husbands place of employment was called twice in XXXX day via auto dialer reading the mini XXXX via recording to his employer. This call was placed prior to the call on his cell that we answered on the first call from the auto dialer. After I requested a cease and desist and made the payment, both my husband and I received a call with in 20 minutes regarding the account. I was denied copies of the original statements and was denied by XXXX associates to speak with a member of their compliance team.
Product: Credit reporting, credit repair services, 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 has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX has violated my rights. 
- XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXXXXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Hello my name is XXXX XXXX i had a checking and savings account several years.ago ... that i know was.closef due to the bank not being fare to there custumers and charging ridiculous.fees.on.my account..the years tjat this happened wad.between XXXX to XXXX
Product: Checking or savings account

I was a joint checking acct holder with my brother whom lived in another state and was young. We added myself to the account incase someone from our home stated needed to make deposits etc into the acct for him with him being so far away. The acct was overdrawn by him and then closed. acct opened in 2006. After this occurred and I received phone call I explained all of the above to the banking institute. 
I now 11 years later receive a phone call from a collection firm on behalf of XXXX XXXX stating that they are filing a civil suit against me and I am the only SS # listed. That they will serve me papers at my home or my job where my supervisor will have to sign as a witness as well. This is the first point of contact also mind you. No mail received NOTHING. I explain when I return the call to this collection firm that I work and I am not available between XXXX-XXXX. An that they are NOT to come to my place of employment. I question the matter and what is owed. I am told a flat fee of {$500.00}. has been access to the overdrawn amount which I am not even sure what the original amount might have been at this point.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were three late payments on my account with XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Mortgage

In XXXX of 2022 I notified the lender about not being able to make a payment on my loan. At which time they notified me that I have the option of requesting a forbearance on my loan for up to 6 months, with the ability to get a deferment to the end of my loan period. I submitted the request and it was approved. I paid all but 2 months of payments. In XXXX of 2022, I spoke to a representative from Mr. Cooper about the deferment and they submitted a request. Today, I found out that I'm two months behind because the " Investor '' that has my loan does not support a deferment, and I have to come up with {$3200.00} to bring my account up to date. This was all very deceptive and I feel it is not in the spirit of the Federal COVID relief Program. 

Mr. Coopers solution to the request a Loan Modification program, ( at which I lose my rate, and have to take a higher current rate ) or pay the amount in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX made. And XXXX sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate Information.
Product: Debt collection

Thank you for accepting my complaint. I am trying to purchase a home. In process of doing that my credit was pulled. I found out from the report that my identity was stolen as several items listed I had nothing to do with. One of the items on my credit was a medical collection from Commonwealth Financial account number XXXX for {$910.00}. It is also listed twice, same account number and same amount with XXXX. I understand that is a violation as well. Anyway, I went and filed a fraud report and mailed it to the bureaus and to Commonwealth. Commonwealth declined it. I contact them by phone and they said that quote " because you waiting 1 year to notify us, you owe the money and we will not delete the account '' then they went on to tell me that I could settle the account and they would remove it. I am very upset as I feel like this is just a tactic to con me into settling the account. I feel very strongly that since I did not do this why should I have to pay it. Also, nothing I have read says there is a time limit on ID Theft. Only reason I even knew this was on my account was because I was applying for a mortgage. Commonwealth Financial in my opinion is employing dirty unlawful tactics in order to get me to pay for something I did not do. They have received my ID theft Affidavit. I copied my police report in this complaint but not the ID Theft Report. Commonwealth has a copy though. They have also received a phone call from me. Both times I was denied, I am asking for your help to resolve this now.
Product: Student loan

Put into XXXX plan for loan repayment at suggestion of dept of XXXX XXXX with payments through XX/XX/year>XXXX XXXX count in XXXX was XXXX Put into admin forbearance when loan services was changing platform XX/XX/year> Then put into forbearance again in XXXX, due to XXXX  injunction. 
Verified employment through XXXX on XX/XX/XXXX XX/XX/XXXX applied to buyback XXXX and XXXX to read XXXX No response XX/XX/XXXX asked to update payment count as XXXX loan didnt have XXXX as counting. 
Response from XXXX was that it was updated ( it wasnt ) Applied mid XXXX to change XXXX  plan. No response. 
Applied for XXXX again XXXX XXXX. 

I have been waiting for my buyback request to be processed as I have XXXX payments verified for XXXX  on 3 loans. 
I have been waiting for them to count XXXX for 3rd loan ( currently, XXXX is not even listed just skips from XXXX to XXXX
Product: Checking or savings account

I signed up for a CitiBank checking and savings account via a direct link from their website for a promotion that provided {$400.00} for depositing {$15000.00} across checking+savings and leaving this deposited for two months. I deposited the required funding on XX/XX/XXXX, {$5000.00} to checking and {$10000.00} to savings, for a total of {$15000.00}. These funds were left alone for over two months. 

Prior to relocating any funds, I called CitiBank customer service to confirm that I had met the promotional requirements of the sign-up bonus. CitiBank customer service confirmed on XX/XX/XXXX that I had met the promotional requirements on XX/XX/XXXX by leaving {$15000.00} deposited for 2 months and would receive my promotional deposit soon. The customer service agent confirmed that withdrawing below {$15000.00} would not affect my {$400.00} bonus, although I would have an account fee if I withdrew below {$10000.00} due to account type. After confirming this with CitiBank customer service, I used funds to make purchases, but still left an excess of the required {$10000.00} to avoid account maintenance fees. 

Today on XX/XX/XXXX, I called to check on my promotional deposit, as it has been over two months. I spoke with 3 different representatives, waiting on hold for over an hour, and got three different answers. One representative from CitiBank now claims that I opened the " wrong '' account, and that this promotional bonus never applied to my account, despite the fact that I applied directly through the CitiBank website, and I had previously confirmed with CitiBank representatives that my account qualified. The CitiBank representative refused to correct the issue, escalate to superior, or file an internal memo. 

I would like to receive the {$400.00} promotional signup bonus as per the terms of the initial agreement that was completed on XX/XX/XXXX and that was confirmed by CitiBank on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} Financial Assistance Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.
Product: Money transfer, virtual currency, or money service

I am filling 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 time and effective measures to prevent and address fraud on their platform, leaving my accounts 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

Mixed information on my credit report is showing accounts that are not mine, and its harming my XXXX XXXX. I have reached out several times with no action taken.
Product: Checking or savings account

INVESTIGATE ALL ILLEGAL IDENTITY THEFT AND FRAUD IN FIRST HORIZON BANK IN XXXX SC IN ILLEGAL UNDERGROUND ERGONOMIC ACTIVITY WITH BANK TELLER XXXX XXXX AND XXXX  XXXX XXXX XXXX XXXXXXXX OF XXXX IN COVERT OPERATIONS IN FRAUDULENT XXXX XXXXXXXX XXXX XXXX XXXX IN THE CLAIMANT XXXX XXXX XXXX INVESTIGATE WITH IMPUNITY! 
XXXX XXXX IS CURRENTLY INVESTIGATING A XXXX  ACCOUNT ENDING # XXXX WITH XXXX  UNAUTHORIZED ACCESS IN CLAIMANT XXXX XXXX XXXX
Product: Debt collection

I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XX/XX/XXXX of 2017. I have now received a collections notice from GC Services ( XXXX XXXX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As Expected the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency GC services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The company repeatedly sent mailers and emails to me encouraging me to apply for a line of credit in order to maintain my membership with them. I applied for the XXXX Credit card on a promotion that offered no balance transfer fees, and a low introductory balance transfer rate for a specific period of time. The promotion also advertised a lower credit rate with 18 % being the maximum. I included a credit card number and the balance I wanted to transfer to take advantage of the promotion. The credit limit I was approve for was significantly less than the credit limit I desired for the balance transfer. I requested a reevaluation of my payment history and creditworthiness and to consider raising the credit limit they offered. I asked for the specific factors they used to make their decision. They shared they did not offer the " credit limit I was requesting for new lines of credit ''. I should have applied for another type of card. '' I asked them to show me where that was advertised in the terms and conditions of the card or disclosures statements. They shared it was not disclosed. I commented had I known up front that I wouldn't be given the option to transfer the balance I requested or receive a lower rate I wouldn't have applied for their product. I encouraged them to update the language in their terms and conditions to alert members to this factor when applying for a new line of credit with them for this particular card. Their response was we have reviewed your account and we will not raise the credit limit at this time you can make this request in 3 months. In good faith, I applied for this card based off the information they provide in their terms and conditions but the ultimate decision they made was based on a factor I was even aware of because it was not shared up front. This is false advertisement in my opinion.
Product: Mortgage

i was approved for a loan modification i made the XXXX trial payments they asked me to the sign the agreement and then said i couldn't sign because my mom passed away i told them back in XXXX  that my mom passed and i would take over the mortgage but how can they allow a modification and my payments if they cant complete the final agreement with me they breached the contract and i want them held responsible i will not lose my house the mortgage company is PHH Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from XXXX XXXX and XXXX on XXXX XXXX,2017 .XXXX called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from XXXX  XXXX.XXXX is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX  XXXX Opened XX/XX/XXXX for {$300.00}, XXXX XXXX  Opened XX/XX/XXXX for {$2500.00} Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Product: Credit reporting, credit repair services, or other personal consumer reports

I've checked my credit file an I seen a lot of invalid information on my file. I am disputing all incorrect information on my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Product: Credit reporting

I was the victim of identity theft and provided the proper documentation to have it removed yet it was not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX