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

My information was disclosed to a third party without my permissible purpose. 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc ) due to inadequate customer service and unfair Practices, which violate the Consumer Financial Protect

ion 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 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: Mortgage

On XXXX XXXX, I made an offer on a home and contacted Premia Relocation Mortgage, a lender participating in my company 's relocation program, to lock in a rate and begin the loan processing. The broker began to contact me with requests for documents and I provided tax returns, IRS transcripts, proof of all income and other documents. Premia ran my three credit reports two different times - once to provide the prequalification in XXXX then again during the loan process in XXXX. Premia began to dissect my tax returns and asking for explanations of deductions and notifying they me they decided to reduce my income based on deductions in my tax returns. Then, Premia asked me about prior addresses and wanted explanations of why I did n't live there anymore. 
From credit reporting, I had an account in dispute - the creditor placed a note for credit bureaus explaining a late payment made by the accountant at a firm who handles some of my business in an effort to offset any penalty for consumer behavior. Premia wanted this removed from my reports so that my credit score would drop. Premia then ran another credit report ( 3 total within a 30 day period ). Finally, this week Premia sent me a new disclosure agreement electronically. The new disclosure established a higher interest rate and new terms. We previously had a rate lock in place and a disclosure along with all financial statements, records, reports, etc. Premia removed all records of the prior contract from the shared library of a website used to exchange documents.
I have purchased and sold numerous properties ( 6 ) and currently have two active mortgages from a rental property I own and my prior home that I am selling, I am not unfamiliar with the loan process. However, I am appalled by this behavior. I am a single professional woman, my children are adults and I was recently promoted to an XXXX XXXX for which I relocated.
In summary, Premia is in breach of a contract both implied and stated regarding a rate lock, performed an unauthorized background check, manipulated the credit reporting bureaus in an effort to alter scoring and dissuade my pursuit of other lenders, and dismissed documentation ( XXXX, pay stubs ) then requested credit card statements. The most recent request was for me to insist that two of my banks change the monthly statements. This type of behavior is beyond unprofessional and skirts legality. It 's certainly not within the guidelines of the fair credit reporting or other policies.
Product: Checking or savings account

On XX/XX/2020 I deposited a check for {$1800.00} and cash in the area of about {$450.00} in the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The ATM had a jam and asked to to approximate my deposit. After doing so it credited my account XXXX for a place holder and said it will be resolved in the following business days. After about a week of not getting contacted I reached out to and they told me no clam had been made and they they will make a claim then and told me I will need to contact the ATM department for further information. After contacting the ATM department that credited me the amount I claimed to deposit and said it will be in review for 30-90 days. XX/XX/2020 I get a letter stating that that a review was made and nothing was found. I find it odd that the ATM put a place hold on my account stating that there was a jam and I called in tell them what happened and they found nothing not even the check. I called the ATM department again on XX/XX/2020 and was told a manager will have to contact me. I happened to miss the managers call so i had to call back into the ATM department. After talking to another rep the said that the manager says the findings are final and nothing they can do. Right now Wells Fargo is a thief, the check i can get replaced but someone at Wells Fargo stole my {$450.00} dollars and I will be changing banks immediately. Please do not use Wells Fargo ATM for your safety.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determine to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history, or responsibility. I appreciate any support and assistant in overcoming this unfortunate experience. 

Thank you in Advance, XXXX XXXX
Product: Student loan

Im trying to pay my student loans and I can not get on my Account or bank to change my account to pay anything. Its is ruining my credit because I end up being late.
Product: Credit reporting or other personal consumer reports

Under the Fair Collections Act 12 CFR 1006 it states to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. XXXX XXXX willing purchased a debt and is incorrectly reporting it I've never had a contract with XXXX. I would like all original contracts provided in writing. I would also like the proof of sell of the vehicle from XXXX XXXX. EQUIFAX has said they verified the balance, dates and contract but has not given me a written documents has requested.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund requirements under the electronic fund transfer act ( EFTA ) and regulations 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I have federal student loans with Mohela as my servicer. Mohela has consistently avoided responding to my emails and has refused to processed my income driven repayment application in a timely manner. 

XXXX. In XX/XX/XXXX, I consolidated my loans with the intention to enroll in the SAVE IDR plan. However, court litigation prevented my enrollment and I requested with Mohela to be placed into a processing forbearance. Mohela put me in a forbearance but did not specify if it was a processing forbearance and my loans continued to accrue interest due to this. I also did not earn XXXX credit which was the reason why I wanted to stay in the processing forbearance. Then, I tried to switch into the XXXX XXXX plan in XX/XX/XXXX so I could start making payments on my loan and also accrue credit for XXXX. 

XXXX. I called Mohela on XX/XX/XXXX to switch into the XXXX plan and the XXXX customer service representative, XXXX ID : XXXX, told me that I would need to wait for the processing to be complete. In the meantime, I would be removed from forbearance so my application could be processed in a timely manner. I emailed Mohela on XX/XX/XXXX requesting that I have this information provided to me in writing and to process my application soon since I had an upcoming payment, but they have not responded to my emails as of XX/XX/XXXX ( 11 days from initial email ). Since I was removed from SAVE forbearance, they have me on the standard repayment plan now with a monthly payment I can not afford and it is due XX/XX/XXXX. I absolutely need to be on an IDR plan otherwise I can not afford to start repaying my loans. Mohela has been extraordinarily unhelpful through this process, in that they have not emailed me back AND they put me on hold whenever I call for nearly XXXX hours at a time.
Product: Money transfer, virtual currency, or money service

I received a call from XXXX stating that it was a family member and that they were stuck in the airport because their money was locked. They asked to send money in order for them to pay their fines. They asked for currency exchange and used an app called XXXX which used face and voice recognition. I used my full name, address, phone number, driver license and credit card information. I have screenshots of names and banks it was transfered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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: Credit card or prepaid card

I received marketing emails from Barclays Aviator Mastercard dated XXXX XXXX XXXX XXXX XXXX  stating that if I spend money using the Aviator credit card on grocery store, drug store and restaurants purchases I will receive up to XXXX Advantage Miles. Today is XXXX and I have not seen this post to my Advantage account or referenced on my Aviator statement. I have contacted Barclays Aviator more than 5 times regarding this matter but it is truly a waste of time and very little help or information is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balanced Owed : {$3600.00} XXXX XXXX  XXXX Balanced Owed : {$3000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX and XXXX Account XXXX XXXX had late payment on an account.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on paymenton the date post for the account that i have included in the screenshot inside this complaint in on the date of XXXXPlease investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time.Thanks! Please see screenshot attached :
Product: Debt collection

I have received information regarding a debt that is being claimed against me. 
I.C. SYSTEM, INC Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT. 

- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT. 

- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA. 

After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receiving bills for a credit card that I do not have and never opened. Showing up on my credit report and unable to report fraud the the credit card company even though Ive made numerous attempts. Credit card company is Wells Fargo.
Product: Student loan

I had a private student loan through Mohela back in XXXX-XXXX. In XXXX I reached out to Mohela to discuss payment options. I was having my first daughter and had to put her in daycare so my wife and I could work. I needed to lower my student loan payment to pay for daycare for my daughter. I could not get MOhela to budge. There was no offer of assistance programs, or any discussing on the issue. They needed xx amount of money a month and that was it. I had to default on my loan because I had no other option with my student loan company and they were not willing to help me. I was willing to pay, I just needed to pay a lower amount. Fast forward to XXXX. This loan was taken through the court system and my checks are being garnished every paycheck because of a loan that I tried to pay but could not afford to pay and could not receive any help from the lender. Years later, when they reached out to me when the loan went into final default I still could not get them to budge or provide any payment assistance. This garnishment has affected my family greatly. This loan has affected my family greatly.
Product: Bank account or service

XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to Equifax data breach. 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: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates that we eliminate any erroneous accounts from my credit report. Can you review the documents? Some listed accounts have incorrect reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

I am a XXXX in XXXX XXXX XXXX University and I opened an account in Chase last year in XXXX to save my tuition and other expense. During XX/XX/XXXX, my money in saving account was transferred out by fraud until XXXX. I was in XXXX and busy with taking care of my baby during that time, and I was thinking the bank is safe so I did not notice that. Around 100,000 was stolen during this period. When I went back to US and found this, I went to chase immediately. They only helped with 4 earliest transactions at the beginning. They did not help with others and asked me to contact the banks who got my money transferred in. I contacted those banks, but they said they only talk to chase. I even went to XXXX XXXX, their banker there told me this is rediculous for a bank to ask the customer to contact other bank for disput. So I went to chase branch again and again, their banker helped me to claim the other transactions and said they will take care of it. I actully went to chase branch for a lot of times and filed out useless form for a lot of times. They first said I will get an answer on XX/XX/XXXX, but I did not get any reply on XX/XX/XXXX. I contacted my banker called XXXX XXXX for what's going on, she told me their department already closed my case and they did not do anything. Even everytime I went to branch, they claimed my case and make sure they will take care of it. But when I got back home and called for claim department, they always use 60 days rule for the excuse. Looks like the banker in the branch is pretending to make claim and the claim department was not doing anything. They always use 60 day rules even though they know my special situation. The claim department never deal with it and closed it very earlier.
Product: Mortgage

I had my mortgage for 3 months with Stearns lending. It was taken out automatically on the first of every month ( XXXX, XXXX, and XXXX ). I noticed on XXXX my mortgage was not auto deducted, so I went on my account to see that my loan was sold to another lender. I have received NOTHING. Assuming it was lost maybe in the US Mail, I logged back into my account to find a number to call to try and get ahold of a live person to find out who is servicing my loan and there is NO OPTION ON ANY NUMBERS to talk to a live person. There is no documentation on my account as to the transaction. Right now I have on way of knowing who has my loan and it is 5 days past the due date!
Product: Student loan

I requested to change to the SAVE repayment plan thought the Studentaid.gov website on XX/XX/ and uploaded my the requested tax documents through the site. Studentaid.gov shows the servicer, Edfinancial, has received my application and it has been processing since the same date. In early XXXX I was able to log back into the new edfinancial site and saw no action had been taken or any sort of update. After a month and a half of no contact from the servicer I called and was placed on hold for hours and multiple times the call dropped having to start the call process over. On XX/XX/ I received a call back and they stated they never received my application and I would need to start over. Based on the call the agent submitted the application again and informed me it should be processed before my first payment was due XXXX My first statement after the pause was generation on XX/XX/ to show a larger amount due than what was expected with the save plan. I attempted to contact the service again and had the same issues trying to reach a live agent. Multiple email were also sent that received no reply. On XX/XX/ I was able to get another call back and the agent advised it was still processing and to check back in 10 days. On XX/XX/ I again contacted the service and was now advised the process would not finish until XXXX XXXX. I asked about forbearance until the process finished and was advised there was no need since everything would be backdated to the original request date. At this time I am showing past due and other than the verbal communication I have received no confirmation that my Save application has actually been submitted.