23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was in XXXX XXXX XX/XX/XXXX. After losing a substantial amount of money, I needed money for food, living, etc., as I had three more days in XXXX. XXXX. I got a total of {$500.00} from the Dollar Loan Center. I was involved in a car accident and did n't have any insurance. As a result of this incidence which happened on Saturday, XX/XX/2017, it 's causing me financial hardship and overall anguish. I had financial hardship prior to this event or I would n't taken out a loan with 900 % interest. I called the Dollar Loan Center in XXXX XXXX XXXX on Monday, XX/XX/2017 and stated I have a hardship. Would they please take away the 900 % interest and let me pay the principal. They called me back today stating they could n't accommodate me. The interest would still be going at {$4.00} per day. I was in dire need when I took out this loan and not in a healthy state of mind. It 's companies like these that prey on other 's financial distress. If having an automobile accident which is causing me a great financial hardship does n't designate a hardship, what does?
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed a dispute letter to Experian via certified mail on XX/XX/21
Product: Credit reporting or other personal consumer reports

This dispute is concerning Capital One. The company keeps responding back that the information is reporting correctly. The issue is, this account, Capital one is over 7 years and I want it deleted, just as XXXX 's was. I'm not going to stop pursuing this issue, so stop playing me for a fool and remove it before I do file suit for monetary reasons.
Product: Credit card

This has been going on for over a year, each time I called, they gave me a different resolution to stop the late charges and the negligence, fraud, UDAAP violations continued. They refused to have to return my calls, maybe between 5-10 times. They basically threatened me with a XXXX XXXX XXXX order, which was false, I never received a copy of the order and it used as a tool for intimidation. I have a handful of credit cards, some closed, some active, I have zero problems with the others, when I raise this fact they ignore it. I know how my banks bill pay works, the only time theres an issue, its with HSBC XXXX XXXX XXXX XXXX XXXX I want my late charges refunded because I believe theyve been negligent, committed fraud and violated UDAAP standards against consumers, including myself. FDIC has studied this car and requested I forward it to your organization for resolution. 

Thank you!
Product: Student loan

I took out private student loans from XXXX, now Navient, and have been paying them off while I completed my XXXX and XXXX degrees. I have never been late for a payment and have even paid double what was owed several times in the past although not lately. Over the years my monthly payment would increase by a few dollars at a time, but then in XX/XX/2016 my payment tripled. In order to be able to qualify for a more manageable payment amount, I applied to release my cosigner of the loan. I met every single requirement that was listed on Navient 's website and provided them with every document needed in order to do so, but when I called Navient a few weeks later, I was told that they found something in my credit report that disqualified me. They never specified what they found in my credit report and certainly did not list credit status as a qualification for the release of aforementioned cosigner. I would have never entered into such a one sided agreement where the rules are arbitrarily dictated by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute. 

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : CXXXX 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 XXXXtates I have the right to privacyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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: 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to make 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: Debt collection

This account is fraudulent I am a victim of identity theft. " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my XXXX. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you '' Please see attached a copy of my XXXX  report and the federal law 605b
Product: Student loan

My complaint is more with the school XXXX XXXX at the university of XXXX XXXX. After graduating with an XXXX at a XXXX college we ( XXXX students ) are offered a 4year XXXX only degree at XXXX with courses costing at graduate cost but despite having all As if a portfolio isnt good enough, they make you take repeated courses at graduate cost. And if they still find you portfolio not good enough, despite having all good grades in courses they can kick you out pf the program and are forced to graduate with a XXXX in a field you never intended in the first place ( XXXX in XXXX XXXX ). We were sold on the dream of one day becoming XXXX and payed a higher price to go to school. I was very close to completing all my credit hours required for the program and despite completing my clases with good grades, I wasted my time and money. I borrowed so much money because fafsa wouldnt cover my tuition because we were forced to pay as graduates but forced to graduate with a XXXX  in XXXX XXXX instead of a XXXX in XXXX. I seeked attorney advice but say its hard to sue public university.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inform the Consumer reporting Agency and the Furnisher of the information to see and desist with inaccurate information i have follow procedure according to FCRA act yet my rights continue to be violated by CRA despite providing all the documents require by law to remove inaccurate information. 

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

1022.123 Appropriate proof of identity. 
( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

( 2 ) Additional proof of identity. Copies of government issued identification documents, utility bills, and/ or other methods of authentication of a person 's identity which may include, but would not be limited to, answering questions to which only the consumer might be expected to know the answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for my credit report from Equifax on XX/XX/2021 they sent out a report with the wrong name spelling of my last name. I have disputed this numbers of times and other incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over XXXX police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me. 
This account was not made by me or authorized by me. 

Fair collections account # XXXX
Product: Mortgage

Hello, Please advise me re : Difference in Closing Cost at Loan Estimate and Closing Disclosure ( for Mortgage Refinance 15 year fixed, no cash out ) XX/XX/2020 XXXX XXXX Loan Officer at Winnpointe Corporation, dba Interactive Mortgage had me e-sign a Loan Estimate with closing cost of {$140.00} which is what she promised verbally over the phone. 
My payoff for current mortgage was Loan amount is {$250000.00} Loan estimate specifies that Lender would give me credit of {$1000.00}, thus I only had to come in with {$140.00} and {$490.00} ( both supposedly for prepaid interest ) would be paid from my loan amount. 

XXXX XXXX Notary public came to my house and had me sign Closing Disclosure that said I need to wire {$1200.00} for closing costs but there is no breakdown for said amount and {$420.00} for interest ( XX/XX/2020 to XX/XX/2020 ). I went ahead and signed thinking oh XXXX said whatever extra will be sent back to me. 

XX/XX/2020 I get a call from XXXX  of same company and an email I have to wire {$1900.00} and submit documents that I had already submitted on their portal OR my rate expires at the end of the day. I replied in email asking for a breakdown of the {$1900.00} but did not get an explanation. 

XXXX XXXX I get a message and an email from XXXX XXXX asking me to wire funds and submit documents ( that I had already submitted early in the process of refinancing ).
Product: Mortgage

Hi, I sold my property in XXXX XXXX, VA in Mid XX/XX/XXXX. I have not received the refund of my escrow account yet. The amount to be refunded is {$5200.00}. 

I have emailed twice and spoken to " The money source '' - loan servicer thrice. The first time was in XXXX and was told that they check was sent to the previous address rather than the new address ( although in the closing document I had stated where to send the check ). I spoke to them again around mid XXXX and was reassured I will receive it in 2 weeks which did not happen. They confirmed the new address. I called again today ( XX/XX/XXXX ) and was told that they have sent a request to refund again and I spoke to " XXXX ''. He refused to give me his last name. 

I have been going back and forth for the last 3 months and I am frustrated with the process.
Product: Credit reporting or other personal consumer reports

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate. Nonetheless, furnishers who clearly and conspicuously provide an address for consumers to give notice of inaccuracies are exempt from this prohibition, unless the consumer has provided notice that information is inaccurate. And while the FCRA does not obligate furnishers to provide an address for the consumer to notify it of inaccuracies in reported data, furnishers who do so can not be held liable for inaccuracies in reported information if the consumer fails to notify the furnisher of the inaccuracies. Furnishers who regularly report information to CRAs about transactions with consumers also have an affirmative duty to notify the agencies of information the furnisher later determines is incomplete or inaccurate. 
YOU SHOW A DIFFERENT LAST PAYMENT AND CLOSING DATE PLEASE REMOVE THIS INACURATE ACCOUNT I AM ATTACHING PROOF POPULAR HAS A DIFFERENT DATE FOR LAST PAYMENT DATE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD CREDIT CARD ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CitiCard CitiBanks is reporting this information wrong ( Potentially Negative ) all payments were made on time. This prevents me from getting a loan consolidation to pay the balance in full. Which is a violation of Fair Credit Act US 611 Procedure in case of disputed accuracy { 15 U.S.C 1681 }
Product: Checking or savings account

Bank of America notified me of fraudulent activity on XX/XX/17. BofA is still processing the fraud claim ( it was fairly straight forward ) 5 business days later, and will not provide a timeframe for completion, and will not reverse the transaction in the meantime. This is not fraud protection. Absolutely unacceptable performance for a previously bailed out bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting loan account late when its not late. Since the start of the pandemic, Congress passed laws for student loans payments to not be so or reported to credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. Equifax told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Equifax is just making excuses to avoid doing their job. I never even received a response from XXXX  or XXXX  so they are clearly avoiding their duties as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts 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 XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; EQUIFAX Inquired on XX/XX/XXXX ; EQUIFAX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. nor therefore any such debt in the fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$730.00}, XXXX XXXX XXXX  XXXX {$72.00}, XXXX XXXX  balance {$15000.00}
Product: Debt collection

In XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after XXXX obtained my new mobile telephone number, XXXX added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by XXXX XXXX XXXX XXXX  and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that XXXX provide proof that I consented to receive robocalls on my cellphone. I disputed XXXX right to contact me on my cellular phone and made several requests for XXXX to reveal the telephone number originally provided by the creditor. 

I am aware that XXXX XXXX XXXX XXXX violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked XXXX to provide proof of consent and XXXX has ignored both of my certified letters. I have provided XXXX with phone records and proof of their credit inquiry, yet XXXX has chosen to ignore my claim.
Product: Checking or savings account

United States Treasury put a hold on my mom 's personal account at Chase Bank in XXXX, froze her SSI check flagging her bank account that 's she 's been dead for the last 2 years. This occurred X/X/2017. Additionally, US treasury charged my mom 's account over {$18000.00} indicating she was in arrears over last 2 years receiving SSI checks and saying that she was not eligible.being dead. My mom is very much alive. <P/>.