23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX XXXX, and Equifax. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX
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 ). Specialty, 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: Debt collection

For the past 10 years I have paid FedLoan {$710.00} per month, on time without any delays or missing payments. Every month they would email me reminding me that my payment was due. I called them and asked them why they need to keep reminding me when my account is in full compliance, they told me they would stop, but the reminders did not stop. When I talked to them asking them why they were not forgiving any of my debt after working in a XXXX XXXX school for more than 5 years, they told me that I was signed up for the wrong forgiveness program. Again, completely misguided by them. When my loan was very nearly paid off earlier this year I did not get a bill in the mail as usual, but instead I got a Paid In Full letter. I was relieved, but then the harassing phone calls and emails began again, telling me that my payment was late, and a collection agency would be called, even though it had been less than a month past due date. When I would call them I would need to talk to several people due to the rudeness of the people attending to my account. FedLoan has been completely unhelpful, discourteous, and unprofessional in assisting me over the past ten years of payments. It has been a terrible experience ; the worst ten years of my life. FedLoan is a greedy, shameful institution that I recommend people stay clear of.
Product: Student loan

I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed that there was no late payment in XX/XX/XXXX. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.
Product: Credit card

I opened a new CC account on XXXX/XXXX/2015. It is a chase XXXX XXXX card. They arbitrarily ( apparently computer generated ) assigned a billing cycle closing date of XXXX/XXXX/2015, so that my first payment would be due on XXXX XXXX, instead of in late XXXX. I called them on XXXX/XXXX/2015 at about XXXX. They agreed to change my billing cycle going forward to the XXXX of every month ( with another short cycle to XXXX ) but would not change the current bill. 
This is very unfair. They ought to either inform me up front about this, or be required to give the full XXXX day cycle. If they ca n't do that, then it should be a LONGER cycle for the XXXX bill, not a shorter one. For example, in my case if they wanted to end my cycle on the XXXX of every month, the XXXX cycle should end on XXXX XXXX, for XXXX days, not XXXX XXXX, for only XXXX. 
I also purposefully wanted a cycle that allowed this payment due date to be later in the month. My main CC due dates are early in the month, and I thought this CC would come due later in the month, to " spread the pain. '' Even though they changed it going forward, XX/XX/XXXX will now be difficult for my budgeting.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which wasa involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX.
Product: Mortgage

I am having to submit an entirely new complaint because the loan servicer,  Specialized Loan Servicing,   did not address ANY of the numerous egregious violations which were included in our initial complaint. Although they took over the loan from  XXXX , they now defer all violations to them and to  XXXX   XXXX  with whom we have no issue at all. They still claim that we were denied a  Loan Mod  because of missing documents which is patently false and we have all back up documentation to prove that. Nowhere in " their response '' do they even mention the HOBOR and RESPA violations which were clearly and undeniably presented. That is correct. There is NO mention or response to our complaints. Instead, they provide boiler plate language claiming courtesy and expeditious handling of the matter when we have  17  unanswered attempts to contact our SPOC during the prior loan mod process. SEVENTEEN. We were forced into unnecessary BK because they were sending notices to an address in  a Different City. W e were not even given the " courtesy '' of a cost to cure. In short, their response to our complaint was a form letter filled with platitudes, assuming NO responsibility for their mishandling of our documents, egregious errors, and attempted foreclosure with NO valid means of notification. Banking ca n't get any worse than this. Criminal.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed XXXX {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; 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 XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; 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 XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Checking or savings account

Chase decided to close my account and couldnt give me a reason why i dont have any outstanding balances, I've never wrote checks, or had my account in bad standing for them to restrict my account and make it so i cant access my funds i think their trying to something with my money its mighty strange they close and restrict my account 1 day before my stimulus arrive. I have several deposits that supposed to come to this account and i've let them know that and i need to retrieve my funds since they closing my account i dont like the treatment at all and on top of that their trying to keep my money and i dont know why once again my account was not in bad standing and i dont owe any large fees so why arent they releasing my money? They have violated my rights in many forms
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that Equifax is still reporting my account as derogatory when it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least 25 addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.
Product: Mortgage

Chase is increasing escrow reserves on mortgages over a reasonable balance to maintain and use funds in escrow over the amount required to the detriment to the borrower and to increase funds for the bank investments.
Product: Credit reporting or other personal consumer reports

Previously filed a complaint against XXXX XXXX Bank for a XXXX  card that was paid in full, but listed as charged off with a balance on my credit report. I wrote to the XXXX of the bank and asked for the payment ledger which was emailed with a response. Per the response I received, the account was closed with a XXXX balance. However, each credit bureau shows closed at XXXX XXXX 's request with a charged off balance. If the account was paid off in full, it can not be a charge off with a balance. I have argued that this information is incorrect with the bureaus, and yet they are still reporting inaccurately. The Fair Credit Reporting Act requires accurate information be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking credit reports on  XXXX / XXXX /  XXXX   and noticed that my scores had decreased by  XXXX  points. There has not been any negative changes with my credit reports. My scores should not have changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Credit Service company Inc reported inaccurate false information on my credit file to XXXX with several amounts {$980.00} {$600.00} {$240.00} and {$76.00} they reported inaccurate false information was on XX/XX/21 to XXXX several different amounts as well ... {$960.00} {$600.00} {$75.00} and {$230.00}. Also, XXXX on XX/XX/21 reported {$980.00}, {$77.00} and {$620.00}, failing to validate this debt. I have not Ever conducted business with this company whatsoever.
Product: Payday loan, title loan, or personal loan

RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is has been compromised due to fraud. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX we applied for a loan modification due to my husband 's unemployment and he had to have XXXX. US bank waited until XX/XX/XXXX to finally get back to us with less than a week for us to respond to their offer. The offer was reduced payments starting XX/XX/XXXX, but now husband is back to work and we do n't qualify for that. We tried several attempts to contact them. The woman that we are supposed to be talking to finally call us back and said she would fax a new form for us to apply for, but we have n't got. The deadline in XX/XX/XXXX We are willing to pay our mortgage, but we need help for the past months that we did n't have the income to pay it. It feels like they are playing games with us and setting us up to fail.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). Also the law 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or any of the data furnishers such authority. Under Section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. If you can not provide me all the proof, please immediately remove the late payment status and other incorrect information from these listed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal Act everything on my consumer report should be 100 % accurate. How did the company do an investigation to my account if its reporting different information in every bureau. Please delete derogatory misleading information. XXXX XXXX ; XXXX I have attached a copy underwriting misleading information. You are violating my rights under 1581USC 1681A ( 2 ) a ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN STRUGGLING TO HAVE THE BANK OF AMERICA FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT, MY CREDIT PROFILE, THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO BANK OF AMERICA AND TO XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE SENT THEM ALL REQUIRED DOCUMENTS AND PERSONAL STATEMENTS. BUT I FEEL LIKE NO ONE CARES ABOUT THE CONSUMER.
Product: Debt collection

i got hurt on my job and my employer took me to the doctor, then a year later a collection agency popped up on my credit report saying that i owe almost XXXX dollars, they didnt even call me or my employer to try to discuss or send any letters to let us know that workers comp hadnt or had paid, now when i try to validate they send me just some paper with my name on it and what i owe for.i ask why the didnt call me or my job or send any letters they say they didnt have contact info
Product: Checking or savings account

I opened an account with XXXX XXXX 's community bank in XXXX XXXX XXXX - I have had an enormous amount of fraud since I opened this checking/Savings account with a debt card. They knew my account had fraud but never went line item with, I am XXXX and needed and asked for their help and they did not help. 

I have one major offender XXXX that has charged me twice ( maybe more, trying to get all my statements ). for XXXX on both XX/XX/XXXX and XX/XX/XXXX- XXXX stated they will return my money if I go thru the bank to help me and the bank will not help me. 

I did live in VT but moved back to XXXX  in XXXX, I asked the bank before I left to freeze my account in the spring of XXXX as there were suspicious charges and XXXX should not have charged me as I did not live in VT. The bank refused to freeze my account. I called, I wrote letters, I returned my checks, and debt cards and they still did not freeze my account. Then my account was in arears and I had to pay, if they would have frozen my account liked I had asked several times this would not have happened. As well, they never took the time to go line by line on my statements and I have had more than 20 line items of fraud on my account. They just kept giving me another debt card knowing well that I had fraud. 

I even sent them notarized letters as they said my letters, even thought they included my checks and debt card was not notarized. Even notarized they did not freeze my account as that is evident by XXXX and XXXX monthly charges that I did not approve. 

I have scanned my statements, which they also are refusing to realize I live in Ohio not Vt and all my letters show my Ohio address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681. I am entitled to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Item : - Inaccurate Reporting XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX Closed Date opened XX/XX/XXXX Account type Credit Card
Product: Student loan

This complaint concerns XXXX/XXXX. Wanted to payoff {$100000.00} of my student loans, which is not possible through their website payment options. Had to call and press multiple times for wire information ( wire information is not available online ). As a borrower, I am permitted to direct how certain payments are to be applied/allocated to individual loans from the lump sum payment ( to the extent permitted by current federal regulations ). After applying the payment to outstanding interest as required by statute, I wanted one loan paid off completely and the balance applied to the larger, remaining loan. XXXX told me to upload a letter directing payment to my account on XX/XX/XXXX ( which I did ) and then wait 7-10 business days for some acknowledgement by XXXX of receipt of those payment instructions. Business day 10 arrived and I called on XX/XX/XXXX to inquire/confirm receipt of my payment instructions. The new XXXX representative told me they could not comply with those instructions. Instead, they would apply the {$100000.00} in whatever manner they chose, then look at my payment instructions and attempt to follow them ( essentially by undoing their transaction and then reapplying payment ). Fixing their mistake/refusal to follow my payment instructions will then take another 7-10 business days. I have demanded they waive any interest I unnecessarily incurred waiting from XX/XX/XXXX to XX/XX/XXXX for them to acknowledge my payment instructions ( I did so based on their misleading, inaccurate information ) and have further demanded no interest accrue during the 7-10 business days they will take to comply with my actual payment instructions. Given the amount of money involved, their complete inability to function like any other debt servicer is outrageous. XXXX must do better or be made to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection accounts are being reported as an open account which is not under FCRA compliance and is also inaccurate reporting! 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 The information listed, which appears on my credit report does not relate to any transactions that I have ever made. Also under the Fair Credit Report Act section 604 15 U.S.C. 1681b ( 2 ) states ... Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances they need to show written instructions of the consumer to whom it relates. That right there alone is in violation of the FCRA 604 15 U.S.C. 1681b ( 2 ). I Never gave permissible purpose to even create a report for these fraudulent accounts below, they have to have my written intructions. I will need them to produce a contract in a affidavit form between me and the accounts showing that i granted them permission to furnish these reports in the first place. And if they had that permission I will need a senior executive to produce an affidavit to me. The affidavit also needs to be noterized by a senior executive showing that i granted them permission in the first place.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.