23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as, they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

My student loan is through Nelntet. Their website is never working. I am completely unable to submit payments online or sign up for auto payments. If I want to make a payment, I am forced to call their customer service during business hours, which is when I am working, and go through a complicated system which always ends up in a wait time. This issue has been going on for several months now, making it hard to make my payments on time.
Product: Debt collection

A company is trying to collection many medical debts which are also listed on my personal credit file. I have requested several times for verification which this company will not furnish a signed authorization allowing medical bills obtain. They just furnish a statement which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements. Years ago many years ago I did have a bunch of medical bills but were taken care of years ago. Is n't there laws on validating a debt a collection agency is trying to attempt to collect? I know that every time you go to the doctors and or hospital they have you sign an authorization form. Please help assist me with these. There are a total of XXXX listed on my credit file.
Product: Student loan

Navient, our loan servicer continues to misapply principle/interest. Some months they will apply XXXX dollars to principal and put everything towards interest. Our loans are a fixed payment each month and we have made every payment on time or ahead of schedule. The principal portion of the payment should be increasing each month as the balance decreases. In the last two years our principal payments have ranged from XXXX to {$240.00} and are vastly different from month to month. I have tried to get Navient to explain this and/or correct it, but have not been able to get a response from them. Our normal loan payment is {$400.00}. Since the loans originated in 2013, we've made payments of {$31000.00} of which {$10000.00} was applied to principal. Our original loan amounts were {$24000.00} and {$33000.00} for a total of {$57000.00}. Our current loan balances from Navient 's web site this morning are {$20000.00} and {$27000.00} for a total of {$47000.00}. 
I filed a complaint back in XXXX, but Navient refused to respond to your inquiry stating that my name was not on my wife 's loan. Navient has assured us that my name is in fact on the account and they should have no issue responding to this complaint.
Product: Payday loan, title loan, or personal loan

My telephone number is alleged to systemically connected, wherein, if I make a inquires online someone will call me instantly before I am able to logout and believe this system may be connected by groups of attorneys/people/hackers and maybe some government agency associations, that may monitoring my telephone that tends to alert to discriminate and hinder especially when connecting financial institutions, as it seems to systemically discriminate which is troubling because the FBI is slow on protecting our constitutional Rights due discrimination. My case in point is below : I received an email from JG Wenthworth inviting me to apply for loan and debt relief online and upon filling out the application online someone called me as I was submitting my application. ( copy attached ). 

Upon answering my phone, they hung up on me... So I called the number back at ( XXXX ) XXXX as appeared upon the caller ID and received multi hang-up. Then as I was calling back the " XXXX '' number a ( XXXX ) XXXX called during that call and was the parties in complaints herein " JG Wenthworth for clarity in application. That JG indicated they had my request/application and needed to pull a soft credit check to confirm my application and asked for my address and last 4 of Social Security Number. ( Copy of call history ). 

They stated they have two ( 2 ) programs to offer, one was a loan so that I can pay down my debt and the second ( 2 ) was a debt relief program according to my debt as reported upon the soft report for about {$14000.00} debt. He then indicated he would negotiate payments and close all my accounts with a monthly payment of {$300.00}. 

I responded that I do not want to close all my accounts and that I select to proceed on the 1st option. Wherein, I was told, I would never get a loan because my credit score is low. I then requested the minimal credit score needed to proceed, so that I could make some credit improvements to move forward. JG Wenthworth responded that take a lot of things inconsideration, such as, work history and income and I could never qualify because of my credit score.

I then requested what credit score do I need so that I can move forward and please send me ECOA or FCRA notices so that I could move forward in improving my credit to move forward, and they hung up on me and continued to hang up thereafter. 

I then called the JG Wenthworth from XXXX for a number from their website and called ( XXXX ) XXXX, and spoken with representative named XXXX with my request for credit score needed and she responded she dont work in that department and worked in the debt recovery/solution dept. She then given me a file number # XXXX upon my request and indicated that I must have spoken with XXXX XXXX and she would have someone call me in the department that could give me the requested information ( credit score needed ), No called me back and I allege bias.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX  student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; XXXX # XXXX ; Experian # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

Experian ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX  is the only account reporting this information. In addition ; Experian is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XX/XX/XXXX for XXXX because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
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 Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting Act, The following addresses are inaccurate and need to be removed from my credit report. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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

Victim of ATM skimming fraud on international ATM withdrawal. Bank is not supporting claim. Reported fraud within 30 minutes of issue. Original claim denied. Second claim opened to appeal decision and denied. Wells Fargo is not doing thorough fraud investigations.
Product: Debt collection

A person called me claiming to be from Everest Receivable Services. He told me he needed the last four digits of my Social Security number before he could tell me why he was calling. I asked him explicitly three times if he was a debt collector, and he refused to answer unless I gave him my SSNs last four digits. When I told him I would not give personal information without full transparency from him, he said goodbye and hung up.
Product: Debt collection

As per the last complaint and reply. I am sending more information about the reason this item should be deleted permanently regardless of who owns this debt falsely put onto my credit report ( s ). The item was deleted before and put back onto my reports. Also it is in violation of the fair credit laws as it was sent to collections a full month before they claim they sent me a letter, which I never received, about this debt. I will attach documents to show both statements are true and the item needs to be deleted permanently from my credit reports regardless of ownership of debt.
Product: Money transfer, virtual currency, or money service

Unfortunately I lost my phone for like maybe 2 hours until I was able to track it down with find my friends and I noticed there was money sent to someone who I didnt authorize this payment to and I tried requesting it back plenty of times but never got an response back! I need help please
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are accounts with Equifax, XXXX, and XXXX opened on my account that arent mine.
Product: Checking or savings account

On XX/XX/XXXX I noticed 2 withdrawals from my checking that I did not initiate. After speaking to bank I was told they would order new card and send paperwork for refund. A week later I received new card and tried to activate it, the card would not work. I was told after several hours on hold that they now needed my license. So card and tax docs. I faxed  as requested. It was now XXXX and still no access to my funds kept being told faxes were to light to read. This time I tried from my phone it worked on XX/XX/XXXX card was activated then on XX/XX/XXXX after purchasing XXXX dollars worth of groceries my card was declined police were called I am a XXXX man, I was put in handcuffs until my fiance paid the bill immediately called bank was told they now needed proof of residency due to my address being different as to my physical address, I did change w dmv online due to pandemic. I faxed proof of address change after several hours on hold my card was reactivated and told my  account was notated as such. That brings us to XX/XX/XXXX while leaving a restaurant after trying to pay my card was declined, police were called again was treated like a criminal. My fiance called bank was told that they did not believe me as to documents and they were taking 10 more bus6days to recheck faxed documents. I believe they are racially profiling me. And the 2 withdrawals were not fraud but they were bank error. This has caused severe consequences including police pointing guns at me for not being able to pay. I need help with us bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some collection accounts that were not accurate on my report with Equifax. The 3 collections are from a company called XXXX XXXX. The collection balances are as follows, {$450.00}, {$380.00}, & {$99.00}. I submitted a dispute with them online on XX/XX/2020. I have attempted to follow up I successfully. Online I was given an expected completion date of XX/XX/2020. Today is XX/XX/XXXX and the 3 items in question are still on the report and my rights have been violated.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding inaccurate information on my credit file maintained by Experian. Upon reviewing my credit report, I have discovered that Experian is reporting an outdated and inaccurate address. This incorrect information is adversely affecting my creditworthiness and financial standing. As per the Fair credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is imperative that credit reporting agencies ensure the accuracy of the information they maintain. Under 15 USC 1681s-2, credit reporting agencies are obligated to promptly investigate and correct any inaccuracies reported to them by consumers. The outdated address ( XXXX XXXX XXXX XXXX XXXX, PA XXXX ) being reported by Experian is no longer associated with me and has not been for quite some time. Please remove this erroneous information from my credit file as it is negatively impacting my ability to obtain credit and financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking with Equifax regarding the news report of a hacking incident to this company I received this statement from the Equifax Check Potential Impact website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Mortgage

Bottom line we have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accepted employment that was rumored he had before the State announced the {$53.00} XXXX TAXPAYER-FUNDED INCENTIVES with Movemnet Mortgage. XXXX is a XXXX for Movement Mortgage in XXXX with a substantial salary. Movement mortgage is best known to pay referral sources to be the in house lender such as XXXX and XXXX and XXXX XXXX XXXX well over XXXX figures a year each.. So lets connect the dots, XXXX now Management with a mortgage firm that accepted {$53.00} XXXX in TAXPAYER MONEY for incentives to then turn around and pay private enterprise for business for himself to earn a very well paid living. 
See his web site to where he said these type of deals are outrageous!! 









SC Lawmaker Gets Gig With Company Receiving Tax BreaksMORE STATUS QUO CORRUPTION FROM XXXX STATE 'S RULING ELITE|| By FITSNEWS || A South Carolina lawmaker has XXXX given a job with a company that got more than {$50.00} XXXX from XXXX State taxpayers. 

Movement Mortgage - which received XXXX} XXXX in taxpayer-funded incentives in late XXXX to relocate its corporate headquarters across the border from XXXX, XXXX to XXXX XXXX, XXXX - has hired XXXX XXXX XXXX XXXX. XXXX announced his hiring via XXXX on XXXX. 

XXXX is close friends with XXXX governor XXXX XXXX - whose administration approved the incentives package for XXXX. 

Sound shady? It is ... 

This website has repeatedly railed against government-subsidized, market-distorting incentives - arguing they provide certain companies with unfair competitive advantages at the expense of individual taxpayers and small businesses. Also, South Carolina 's escalating use of such incentives has failed to create jobs or raise income levels over the long haul. 

Now we learn a state XXXX is getting a job from XXXX of the company 's benefiting from these anti-competitive subsidies? 

Shameful ... 

Also XXXX Mortgage - despite its claims to the contrary - appears to be re-inflating a new housing bubble by offering loans to those rejected by banks. 

" We do n't want to go back to the subprime days, when we were extending credit to the wrong folks, but we do want to make sure we 're extending credit to those borrowers who do have the ability and capacity to repay the loans but XXXX just not have traditionally documentable income, '' the company 's founder told XXXX earlier this year. 

Yeah ... what could possibly go wrong? 

XXXX XXXX XXXX 2015 XXXX Terms Privacy & cookies Developers English ( United States XXXX
Product: Checking or savings account

I have sole proprietor business for 25 years. Sba provided me with {$17000.00} that was deposited in my capital one checking account. Capital one froze my account and sent the rest of my funds back to the Sba. Lied and said Sba requested the money back and capital one left my account with a negative {$1800.00} dollars. I called Sba they said they never received the funds from capital one. 
I received the funds o. XXXX XXXX. Capital one closed my account XXXX XXXX and on XXXX XXXX capital one told me that they returned the money to Sba a month prior. I called Sba and they did not receive funds from capital one. I was lied to and capital one has kept my money and they are not telling the truth about the money. AttAched is the email stating they closed my account and a copy of the account showing capital one withdrew the money but its showing up no where else
Product: Checking or savings account

I close my checking account with PNC Bank on Friday XX/XX/2024 and on Sunday XX/XX/2024 XXXX ach a direct deposit into the close account. On Monday I received an email from PNC stating a deposit of XXXX I went to the XXXX, MD branch to see why PNC excepting the deposit and the branch XXXX female of XXXX XXXX origin replied she don't know what will happened.. It's been XXXX Days and my funds have not returned.
Product: Mortgage

I used to pay my mortgage via online. Last month ( early XX/XX/2021 ) I was unable to log in on same computer I've always used. I called customer service number and was told by an automated message to try later. I paid by check for XXXX. This month ( XX/XX/2021 ) I tried again to contact customer service and was unable to get to a live person. I was told ( automated responses ) to log on to website. That was the problem!. I reset my password and tried again. Still unable to log in. I tried again to call customer service and again was unable to talk with a representative. All options were automated. How am I supposed to get with customer service if a live person is not an option!? 
The company is XXXX  or XXXX XXXX XXXX  XXXX with LoanCare LLC servicing the loan for them. I identified the company as XXXX XXXX but the culprit may be LoanCare , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. SYNCB XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I continue to receive pre-qualification letters for a XXXX card. I decided to apply and they said I was denied because I have too many cards. 

I called in and was advised that you can have XXXX cards. I only have XXXX active with a checking account. They said I have XXXX accounts that they cant see anything or any information on it. They get me to recovery, recovery says you have XXXX paid in full in 2013 and XXXX was covered by your bankruptcy so these are both closed and good to go. Of course recovery said they cant help me and dont know anything about applications. They give me a number to call applications team again, just trying to get an understanding here.