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

I did not give the Creditor permission to inquire on my credit report. I have a active fraud alert on my personal credit report, due to my name ssn address phone number being leaked on the dark web. these are the following : XXXXXXXX XXXXXXXX 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 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 XX/XX/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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I used Sezzle to purchase merchandise through a retailer. Sezzle reported this account to my credit and continues to report a balance of {$50.00}. This loan was paid in full in XXXX. I have submitted disputes to the credit bureaus and after a dispute it still shows a {$50.00} balance. The account was paid in full in XXXX!!
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed several inaccuracies in my account. These inaccuracies are negatively affecting my ability to obtain credit. 

I understand that you will investigate these items to ensure their accuracy. 

Please verify the following item for accuracy : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that do not belong to me please help - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> these are not my inquiries please help
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely ineffective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there 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 see seek appropriate redress for these violations.
Product: Student loan

My loan servicer was transferred from Great Lakes to Nelnet in XX/XX/XXXX. I subsequently received multiple messages in my inbox on the Nelnet site about my school deferment request being approved ( I did not make this request, though perhaps this was the COVID forbearance? Though it didn't say that. Very confusing ). 

When I logged into my account, I saw that many of my accounts were labeled as under the Standard repayment plan ( I was always under income-driven repayment, even at Great Lakes , so this was incorrect ). 

I applied for the income driven repayment plan SAVE in XX/XX/XXXX, expecting that by the time student loan payments were due in XXXX, my plan would be approved and I would be paying no interest due to my income. I was subsequently placed on an administrative forbearance due to the company being unable to handle the volume of applications. My application was finally approved in this month ( XX/XX/XXXX, five months later ) I have since accrued over {$8000.00} in interest, and this is growing daily. Even though my SAVE application was approved, for some reason my due date is in XX/XX/XXXX ( so interest is continuing to accrue ). 

I am of the understanding that interest should not have been accruing under the administrative forbearance ( as per the Department of Education ), so the interest accrued should be adjusted to {$0.00}. I am also of the understanding ( per the DOE ) that I should be getting credit for income-driven repayment forgiveness for each month spent in forbearance.
Product: Vehicle loan or lease

I am a federally protected consumer and I requested validation of alleged debt with Bridgecrest. This document was received by Bridgecrest on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Bridgecrest is in violation of 15USC1692. The company responded to my request alleging that they are unable to fulfill my request due to insufficient information. Documents attached.
Product: Debt collection

I was lied to summer 2018 by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, about them refinancing a loan to make the interest cheaper and it only made the loan payment higher and interest higher. This was misleading information from the start. On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX placed a new inquiry on my credit report and I did not apply for a loan or give them permission to run my credit. I know this is against the law. 

Prior to XX/XX/2018, I contacted XXXX XXXX and they contacted my references inferring to them with letting them know I owed a loan. I contacted them about the loan and advised them to only contact me and they still made calls to references. I sent them a certified cease and decist letter to everyone but me. I advised them in writing of how I was going to pay them monthly. 

I requested to have added features taken off the loan which was supposed to be removed to bring down the monthly payment to make the loan affordable and they did not remove the fees. I sent them a letter in writing and been sending them at least {$150.00} a month for the loan. They sent a letter as if they were going to take off late fees if I paid monthly and they have not been trying to help with lowering the payments even after they said they were going to help.
Product: Mortgage

In XX/XX/XXXX I applied and was approved for a Mortgage Modification with Wells Fargo ( loan # XXXX, FHA case # XXXX XXXX ), a notary came to my house on XX/XX/XXXX and I signed all documentation with her and I expected my first payment to be ACH deducted on XX/XX/XXXX. After XXXX the money was not deducted from my account and I received a letter from XXXXXXXX XXXX stating that my loan had been sold to them and I owed all of the arears payment in full. I explained I had completed a mortgage modification with Wells Fargo and XXXX stated that they would be contacting Wells Fargo to get a signed copy of the modification. According to XXXX, Wells Fargo has not been responsive and now XXXXXXXX XXXX  has began foreclosure proceedings against me. I have tried to contact Wells Fargo multiple times with no help or response. I do want to lose my home and I was advised by HUD to verify that Wells Fargo filed the modification with HUD and to get help with this. I have a scheduled hearing date on XX/XX/XXXX. I have been working with a housing counselor to resolve this.
Product: Checking or savings account

Let me start by saying that my business is a Tax Preparation Office. On XX/XX/XXXX, I got an email out of nowhere from Chase that my business account was closed due to suspected fraud. As far as I can tell, the offending transaction was a refund from the IRS sent to one of my clients under his name for his tax return XXXX and this type of transactions is very common in the tax preparation business, specially when the client request a cash advance from our office .Upon closure, I immediately call the bank and they can not provide any information, just that they will be conducting a review and that I should receive an explanation in the mail, as well as a check with my funds. I went into a physical branch and they say the same. 

It's been almost 30 days later, I still haven't received the check in the mail. So I went back into the physical branch, this time together with my client that I mentioned above to see if someone at the branch can actually verify my client 's identity in person with his passport, social security card, and driver license, but unfortunatley they said no. The only way to verify my client 's identity is providing a telephone number under his name. We even provided a telephone number that we are 100 % sure it was bought by my client under his name, but still the rep on the phone kept saying that the number we provided can not be verified by his system. 

At this time, is almost impossible to get my client 's identity verified by Chase so they can release the funds that they are holding in my business checking account that was closed without a valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to Transunion and it got refused by Transunion because I sent certified mail by using tax percue. so I am not waiting for letter to being returned since I have tracking number that said Transunion refused and it is return to sender so I am going to submit what I tried to send in that letter in attached subtract my driver 's license and ss card since it is not in the mail. They should've accepted it. 

Certified Mail tracking Number : # XXXX I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code G 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies , by certain creditors listed on my credit report. 

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiplate discrepancies and inaccuracies in the reporting of the following accounts : 1. XXXX XXXX Acct # XXXX : The reported balance and payment history of this account are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 

2. XXXX - Acct # XXXX : The reported account status and date of last activity for this account are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account was resolved and should be reflected accordingly. The failure to accurately report this information is a direct violation of the FCRA. 

I am requesting that you immediately delete these accounts from my credit report, in accordance with Section 1681s-2 ( a ) ( 1 ) ( E ) of the FCRA, which states that if a furnisher of information determines that information it provided to a consumer reporting agency is inaccurate, it must prompty notify the agency to correct the information. The continued inclusion of these inaccuracies not only damaged my creditworthiness but also infringes upon my rights as a consumer seeking fair and accurate credit reporting. 

Please be aware that the FCRA holds credit reporting agencies accountable for ensuring the accuracy and integrity of the information they report. Non-compliance with the FCRA may subject your agency to legal consequences, including potential liablity for damages, as outlined in Section 616 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Mortgage

My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   through Attorney-In-Fact  XXXX   XXXX ,  XXXX  an d Select Portfolio  Servicing, entities do not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from   XXXX    XXXX  to the  XXXX   XXXX   XXXX  which was closed in  XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX   by  XXXX   XXXX , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership with  XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX   and Select Portfolio Servicing Subservicer. I have prepared uploaded documents called CFPB  Complaint    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , / Select Portfolio Servicing and Exhibits which explain in greater detail what has taken place.
Product: Mortgage

On XXXX 2016 I made full payment for home owners insurance for my property XXXX XXXX XXXX XXXX Pa XXXX. The cost of the new policy was significantly less than the previous policy. From XXXX 2016 until present date Ditech has continued to escrow funds in excess of the total amount due divided by twelve months. The total amount of mortgage -principal, interest, real-estate and home insurance has not been assessed so that the correct amount of funds are credited as additional principal that I that I pay each month. The homeowners insurance was paid in full so there it should not have been included in the escrow balance. The total amount due for the mortgage should have been decreased or I should have received a refund of overage paid to my account. 
My home new home owners policy cost less than the previous one. I paid it in full. Yet Ditech continues to take funds from my payments and place them in escrow for the homeowners insurance. 
The additional principal has not been actually reflected on the statements. The principles should be significantly reduced because I pay an additional {$74.00} principal each month. Plus a XXXX balance due for home owners insurance should reflect be reflected on my statement. 
Ditech owes me for overage paid to my escrow, but a recent statement sent to me states that I have a deficiency of XXXX. This is not accurate. Also what are the rules that govern collecting a cushion for escrow Ditech is planning to collect & {$360.00} as a cushion escrow. Why is there a escrow cushion be calculated into mortgage if payment for the homeowners is paid in full. 
The escrow account disclosure is inaccurate and appears to be a deliberate effort to not reflect what was actually paid and what is actually owed. 

I want an independent assessment of my account. I want excess monies paid into my escrow refunded and I want all future additional monies paid to be credited as additional principle. 
XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I attempted to apply for a XXXX card online, only to discover that XXXX was unable to process my application through their online system. Despite this, XXXX proceeded to conduct a credit inquiry. Upon realizing the online application could not be processed, I requested that both my online application and the associated credit inquiry be deleted. However, my request was denied. 

I expressed my concern to XXXX, asserting that their actions constituted fraud, as they accessed and retained my personal data without completing the application process. In response, they said if I filed a formal complaint, they planned to just deny my request again. They said that their credit pull was considered authorized as long as I clicked a button, regardless of the fact that they misled me about their ability to process my application. 

In an attempt to address the matter further, I contacted Experian for external resolution. Regrettably, they informed me that credit inquiries, even those made in error by entities like XXXX, are not typically removed from credit reports. Despite my insistence that XXXX 's actions amounted to fraud due to their unauthorized access to my data, Experian maintained that such actions are only considered fraudulent if the information is used by XXXX to apply for credit elsewhere. They asserted that simply obtaining personal data for other purposes does not constitute fraud. 

This experience has left me deeply concerned about the handling of my personal information and the lack of accountability in the credit reporting process. 

My application ID at XXXX XXXX. My ZIP - XXXX My Dispute Report Number at Experian : XXXX. My XXXX ID is : XXXX Last XXXX digits of my XXXX - XXXX. 

Feel free to use my personal data for investigation purposes but please, don't publish my personally identifiable information on your website.
Product: Checking or savings account

Cash app is doing the same thing XXXX XXXX is doing. They have deactivated XXXX accounts now with no notice, after they admitted to charging consumers duplicate charges. Then proceed to tell me it's my account activity the reason why. This is total XXXX  and these money services and financial institutions think they can just do what they want with no accountability or repercussions. They closed my first account with XXXX in it and they will not return my funds. The second account has been deactivated and XXXX disappeared.
Product: Debt collection

This car acct is from 2015. A carlot told me I wasn't doing nothing but helping my sister with the income part on app. I didn't know that this was sticking me with this car .she eventually let the car went back due to lost of XXXX . I had car loan also with this same company Ally.. the acct says close on my credit report XXXX XXXX been over 5 years now all of sudden I'm getting call and they have put pon my credit a XXXX balance.never heard nothing about car she didn't mess car up or nothing then now here it is sold car aND I OWE THIS MUCH .NOT RIGHT AND THEY NEVER DISCUSS THIS WITH ME.