23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XX/XX/24 I attempted to use my credit card to make a purchase at XXXX XXXX XXXX. The card was declined at the register. I did not receive a text message or any communication from the bank to verify that the charge was me, the card was just turned off. At that time, I called Customer Service to request the hold be lifted. I waited on hold at the register for over 20 minutes with no support. I had to leave the store as I could not wait any longer. No one from the bank contacted me and the card remained unusable. On XXXX  XX/XX/24 I called Customer Care again. I was placed on hold for over 45 minutes with no assistance. I called back and asked that someone please call me when they were available, as I could not hold any longer. I was told that they could not do that. They suggested that I may need to go into a physical bank location to have the hold lifted off my card. They told me this at XXXX. The closest branch to my home is XXXX minutes away and closes at XXXX. This means that I still am unable to use my credit card at all today, day three. Since I have to work full-time all week, I will not be able to make it to a physical branch until at the earliest next XXXX. The bank refuses to offer me any support to get my card restored. I asked if I could please close my credit card account as its unusable and the level of customer service is frankly unacceptable, and I was told they could not close the card until I went to a physical branch. This means I know do not have a usable credit card, nor am I able to close this card. These procedures are not in place to protect the consumer. These are clearly methods to protect the bank alone. I believe this behavior should be illegal for banks. They either need to contact the account holder to resolve the issue, or they need to provide a reasonable level of service for the consumer to resolve the issue within the same business day. I am now left without a usable credit card, which puts me at risk, despite the fact that I have a credit score over XXXX, pay my bill on time, have plenty of available credit and was using my own card for a valid purchase. This is not consumer protection.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Account Number:XXXX Account Name : XXXX XXXX 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: Student loan

Hello, I am submitting an Education Debt Reduction Program ( EDRP ) form through my employer the XXXX One of the requirements is that the loan servicer signs off my loan verification form to confirm my loans. 

I have submitted my form to MOHELA but they have yet to sign the form and they keep saying it is approved but there is still not signature. 

I have tried contacting them multiple times without success. 

I need them to sign this so I can start the process for loan forgiveness through my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to credit pull from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting multiple fraudulent inquiries on my Chex systems report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Wells Fargo credit card. They asked I go into the branch with two documents from a list, including a utility bill or renter 's insurance. I submitted confirmation of my renter 's insurance, a copy of my driver 's license and a utility bill. They refused to process the application still, instead demanding more paperwork be dropped off in the branch. They would n't even tell me whether I would be approved pending providing this paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this collection XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX, it keep coming back as verified and that is all ( AI ) ( Oscar ) responses. please you check into this. and also delete these unknown inquiries I've listed. I've already reported this 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 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
Product: Debt collection

I am requesting the assistance of CFPB for this ongoing matter with Patenaude & Felix ( P & F ). I have sent them emails requesting a clear understanding of the offer terms. To recap, I received an offer letter for a final and one-time payment of {$2200.00} with a deadline of XX/XX/XXXX. However, the terms of the offer were not clear. 

P & F has refused to reply to my emails or phone calls and did not send any other notifications to me, all though they claim they did. The office manager at the escrow company ( who was to fund the offer money ) has confirmed that she, too, received no notification or return calls, in regards to requesting an extension of time past XX/XX/XXXX. Later, PF produced and submitted a copy of the letter of extension to XX/XX/XXXX to CFPB that they claimed to have sent to everyone involved, yet no one received it. and they sent pages of correspondence to CFPBthat no one seems to have, with no proof of delivery to me or the escrow company. Nevertheless, I sent a cashier check of {$2200.00} prior to the first deadline ( XX/XX/XXXX ) since they refused to answer and demonstrated unethical practices that could not be trusted. 
. 
The issue of their terms still remains. The offer letter to escrow, dated XX/XX/XXXX, said the satisfaction of judgment would be sent once the " total balance '' is received. The " amount due and owing '' is {$2200.00} as stated in that letter. But, in another letter to me, dated XX/XX/XXXX it says the satisfaction of judgment would be sent, upon receipt of the " balance owed ''. According to the letter, the balance owed showed {$11000.00} and the " settlement amount was {$2200.00}. '' This left me to believe that {$11000.00} must be paid in order to qualify as a Satisfaction of Judgement. 
Since I could not get clarity from P & F, and the deadline of XX/XX/XXXX was fast approaching, a cashier check for {$2200.00} with " paid in full '' in the memo line was delivered to them on XX/XX/XXXX. Later, the check was returned to me due to the memo line message. Hence, we are back to the beginning with no direction.
Product: Credit card or prepaid card

Bank of America XXXX Platinum Plus Mastercard. I have an auto-payment for the statement balance set up to come out on the due date. BoA only makes the minimum payment, thus surreptitiously ensuring my card has a balance, which they can then charge fees and interest on. For example, on XX/XX/XXXX the auto payment made a {$30.00} payment ( the minimum amount ) instead of the statement balance of {$1200.00}.
Product: Credit card or prepaid card

I was asked if I wanted a payment made. to apply later once. But now it appears the company started giving the apply latter category to me from then on, thus throwing off my ability to know when payments like {$700.00} and {$200.00} are really applied. Thus, throwing off my calculation of payments. All pay should have apply immediately as possible, not constantly apply later. This is deceitful to bait once and keep doing. I need my payments applied as soon as I pay them, not baited for delay. And, if I went into unnecessary debt I want to be reimbursed. If my alerts were mis handled I want them properly recognized and acknowledged like all people no matter what race we are.XXXX trends need to stop.
Product: Mortgage

According to CARES Act and following XX/XX/2020 - Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act, I have sent several letters to Freedom Mortgage via email AND Fax, requesting emergency forbearance, based on guides and rules within CARES Act. First letter was sent on XX/XX/2020, with 2 more requests. All of which have been ignored. No calls, no emails, no postal letters. All have been requested within guidelines and specifications, with referenced sections of CARES Act, within letters. 

I am within foreclosure, seeking gainful employment. I had a HUGE hit to my income, and while yes, in default, there is no reason for me to be ignored. When calling Freedom Mortgage, I have been on hold up to 2 hours or call backs, within 4 hours. While I understand the staffing challenges, this is unacceptable and adding to the stress of potentially losing my home. Unable to focus on daughters XXXX XXXX, due to this and can not get any contact with Freedom Mortgage. 

I am submitting complaint, as I believe they are stalling, so as to not have to apply the CARES Act Forbearance, due to time constraints. 

I am asking for Freedom Mortgage to finally acknowledge my attempts since XX/XX/2020, for Forbearance and to apply the 180 days, with acknowledgement that I can and required for additional 180 days, should that be needed. In short, the latest request was sent AND received by their email server and fax, on XX/XX/2020. Freedom is required to provide acknowledgement letter VIA EMAIL ONLY ( due to time constraints ) and provide immediate solution via forbearance and documentation. 

While I sympathize with current climate, staffing issues and volume to calls and requests, the fact that I received NOTHING from them since XX/XX/2020 is unacceptable and punitive. They are stalling, possibly awaiting the expiration date for the CARES Act or some other date. CFPB is to note all and instruct Freedom Mortgage to forward forbearance agreement and documentation Immediately, VIA EMAIL ONLY OR VIA OVERNIGHT CARRIER, for receipt to me no later than XX/XX/2020. Thank you..
Product: Debt collection

I have contacted all three credit Bureau, XXXX XXXX, XXXX and The Bureau to get this resolved since XX/XX/XXXX. XXXX credit agencies are reporting the same debt two different amounts and days apart. It is also showing as past due but was satisfied via garnishment and should state collection paid as of XX/XX/XXXX. This is with XXXX funding and The Bureaus. XX/XX/XXXX & XX/XX/XXXX is the reporting date in the amount of {$1500.00} & {$1500.00}. XXXX XXXX is reporting an account on XX/XX/XXXX in the amount of {$72000.00} this is not my account and nor was there an inquiry completed for this.
Product: Money transfer, virtual currency, or money service

I a filing a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfai practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving m account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as the 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, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021
Product: Student loan

Student loans were forgiven under XXXX Vs XXXX, as part of the agreement Advantage is required to place loans in forbearance until the loan forgiveness can be applied. Advantage has not placed these loans in forbearance and these loans are now accruing interest.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX.
Product: Credit reporting or other personal consumer reports

I have accounts opened in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record XXXX XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 XXXX, XXXX, and Equifax has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXX of XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,
Product: Debt collection

In 2014, I ordered XXXX Internet service from XXXX. I had it a few months but never bought the computer I was supposed to. I called them and explained. They billed me for the equipment of {$350.00}. They agreed to send me a prepaid mailing box, return the equipment and then send me a letter of satisfaction. They never did. I disputed this on my credit report and won ( XXXX ). I now have a collection agency asking for the money. I do n't know what else to do? Account Number XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was on the phone with them for appx. 45 minutes. They kept switching me to person to person and nobody could help me. After 45 mins on the phone and a XXXX, I decided to write them. Can you please help me? I can send proof of my credit report that is was won. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts on my Credit Report with Experian MANY TIMES as they are incorrectly and illegally reporting to my Reports. All to no avail, XXXX XXXX XXXX and XXXX XXXX have been reporting an account to the Bureaus as CO ( Charged Off ) every single month for the past 4 or more years. This is to my knowledge ILLEGAL to do as it is manipulating the Statute of Limitations and also the DOLA ( Date of Last Activity ). It is adversely affecting my Credit Scores and I have asked Experian many times to investigate these accounts and remove them immediately per my rights with the FCRA. Every time they have come back saying that the accounts have been investigated and updated and nothing was changed. I call Experian and still nothing has changed they do not remove the accounts even though it is clear that they are reporting incorrectly and illegally. I am demanding that these accounts be removed immediately which by law should have been done already upon my first dispute of these accounts.
Product: Bank account or service

I have a savings account at TCF Bank in XXXX, Michigan XXXX. In XX/XX/2016, my savings account was closed and my savings were withdrawn. I do not know who and why the bank closed my account. I called the Customer service in XX/XX/XXXX and gave my account number and information. I was told that according to their record my account was closed and a check will be mailed to my address in XXXX and to allow 10 days for mailing procedure and mail delay. I waited, but until now now ( XX/XX/XXXX ) no check in the mail. I called the 1-800 number today, but according to the customer service, she can not find my record and account number information. She suggested to visit the XXXX, Michigan branch. But I am not in USA at this time.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.