23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In the past few months I have had a Bank of America account opened in my name and XXXX inquiry and XXXX hard inquiries on my social security number Last year someone also tried to file for unemployment with my social security
Product: Prepaid card

On XX/XX/year>, at approximately XXXX p.m., our business, XXXXXXXX XXXX XXXXXXXX XXXX, experienced a system failure with the Clover gift card service. Since that time, we have been unable to process, sell, or verify gift card balances. This has caused significant disruption to our operations, resulting in financial loss and customer dissatisfaction. 

Since the onset of this issue, we have contacted Clovers support team daily, but despite our persistent efforts, the issue remains unresolved. We have escalated the matter to Clovers senior management, yet no clear timeline or solution has been provided. As of today, we are still unable to access vital gift card data or process customer gift card transactions. 

This situation has affected our customers ability to use their gift cards, and it has harmed our businesss reputation. Customers have been frustrated, and we are unable to offer them any immediate solutions because the system is entirely dependent on Clovers functionality.

We are seeking assistance in resolving this issue and ensuring Clover takes prompt action to fix their system and provide compensation for the losses incurred due to this prolonged outage.
Product: Student loan

I applied for student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLFP ) and was denied the loan forgiveness ( XX/XX/XXXX ). It turns out my loans were ineligible. However, I was never given the information that my loans were ineligible even when I spoke with my student loan provider Navient in XXXX when the program began and in XXXX when I called them to switch to an income repayment program and told them I was working towards forgiveness on the PSLFP I was not told, nor could find any information at that time, that FFELP loans were not eligible and the repayment plans I had been on prior to XXXX and after XXXX would never make me eligible for this program. On XX/XX/XXXX when I called Navient after being denied PSLF by the Dept. of Education, that is when they then told me my loans were ineligible. Nothing on my account summary or information of my loans on their site ever said my loans were through the FFELP. Onluy after my call on XX/XX/XXXX did they switch the description of my student loans on my account summary on the online portal. Prior to XX/XX/XXXX it just listed them as " consolidation ''. After XX/XX/XXXX it still said " consolidation '' but they added FFELP on my account summary. Clearly they are giving misinformation to customers and not providing them with the information they need to be able to qualify for these programs. If I had been told in XXXX and XXXX that my loans were not eligible, I could have transferred my loans to a Direct Loan consolidation and then started working towards the 10 year requirement to qualify for the PSLF program. Only finding out now is not only really upsetting because I worked those 10 years towards nothing, but if I switch my loans at this point to Direct Loan consolidation and have to start the clock again, I will pretty much have paid off my loans in 10 years and would not even need the forgiveness program. I urge you to do something about these unethical practices and the misinformation or lack of information student loan services provide their customers on these programs. Clearly it is not in their best interest to have our loans forgiven and I feel that dictates their practices. Given that the DOE has only forgiven 1 % of loans through the PSLF program and there had to be a congressional hearings in XXXX to investigate the practices of the DOE in regards to this forgiveness program, there is clearly some kind of wrongdoing or unethical practices taking place by the DOE and lenders like Navient to prevent people from qualifying for it, whether directly or indirectly through misinformation or lack of information.
Product: Credit reporting or other personal consumer reports

I have submitted numerous disputes to have items removed from my credit report that were paid in full and the accounts were closed and Experian refuses to do their job.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX please remove fraudulent/ unauthorized collection on my report or provide proof in writing within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. 

XXXX XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of XXXX XXXX furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*
Product: Debt collection

I am going to need to provide some estimates since I do not have the bills that XXXX XXXX XXXX turned over to collections. In the summer of XXXX, I XXXX XXXX and I was taken to the XXXX XXXX XXXX room in XXXX, OR. After approximately two months, I received a notification requesting my insurance information. I receive my health insurance through the VA as I am a XXXX veteran. I contact the XXXX XXXX billing department and provided their billing agent all of my VA insurance information so they could bill the VA which would cover 100 % of the bill. Other people did hear this conversation. I was told that if they had any problems they would contact me. We received no further communications from XXXX. We received no mail, we have lived in the same home for over four years. We received no phones calls, I have had my phone number for a decade and my wife has had here phone number since XXXX. In checking our credit report we discovered that XXXX XXXX XXXX sent me to collections without any notice whatsoever, no bills, no letters, no phone call, nothing. I have never heard of such an unethical business practice.
Product: Debt collection

they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as federally protected consumer pursuant 15 USC 6802 I XXXX XXXX am now OPTING OUT of any and all authorization I the consumer may have given to Capital One Auto Finance written, unwritten, verbal nonverbal to report my non-public personal information. Capital One Auto Finance is in violation of the Privacy Act of 1974 also 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by Capital One Auto Finance that my non-public personal information would be shared with Third party affiliated such as XXXX, XXXX, and XXXX and I was never given the opportunity to opt out which 15 USC 6508 states I have the right to opt out on anything reported on my credit report and I supposed to receive opt out option every XXXX days which Capital One Auto Finance did not provide im hereby exercising my rights under 16 cfr 313.7 according to 15 USC 6802 I was supposed to receive XXXX different disclosures before my non-public personal information was shared but never received notice. To conclude XXXX, XXXX, and XXXX is in violation of 15 USC 1681sec 604a sec 2 because it states a reporting agency can not furnish an account without written instructions I did not give written instructions to XXXX XXXX and XXXX to report Capital One Auto Finance account and supporting sharing my non-public personal information such as transaction history and balance. I did not give written instructions or written consent for my non-public personal information and did not give consent for those agencies to report Capital One Auto Finance account on my report.
Product: Credit card or prepaid card

A dispute was filled with credit card company ( Chase Freedom credit card ) on a purchase which was cancelled just after purchase of plants from nursery of XXXX XXXX - NJ, as the merchant was NOT able to provide the types and number of plants on XX/XX/XXXX rather asked to come and collect after TWO days that was XX/XX/XXXX, I said then and there that I was unable to come later on XX/XX/XXXX therefore the purchase must be cancelled. I also filed a dispute for the transaction with credit card company as well on XX/XX/XXXX. Now credit card company thinks it's a valid charge rather than telling the merchant based on the fact s ( already provided to them ) that no sale was made and no product was taken out of his farm and hence it's NOT a valid transaction. Credit card company be advised to take off entry for {$1000.00} from my CC statement being an invalid charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX .    XXXX  account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will.    XXXX . I paid the bill  XXXX / XXXX / XXXX .
Product: Debt collection

BALANCE XXXX PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS AND THE HARASSMENT. I DO NOT KOW WHOTHEY ARE NO DO I HAVE ANY BIDING CONTRACT WITH THEM PLEASE REMOVE FOM MY CREDIT REPORT ASAP.
Product: Checking or savings account

On both XX/XX/XXXX and XX/XX/2023, an individual from XXXX, GA attempted a fraudulent purchase using my CashApp card. 

XX/XX/XXXX : I received a fraud alert from XXXX XXXX  asking if a {$490.00} purchase was mine, for a XXXX purchase. I replied NO and they canceled the card to send out a new one immediately. A few moments later, the charge was attempted again, as well as several other small transactions, as seen in the attached screenshots. I reported those transactions as fraudulent to CashApp and requested a new card. Both payment methods were stored in my XXXX digital app. 

XX/XX/XXXX : I received a CashApp notification of a {$30.00} purchase at XXXX, which is another fraudulent charge. I then received an email confirming an Instacart order that I never placed, including the delivery address, which I suspect is the residence of the person defrauding me. I contacted XXXX customer service, they canceled the order, and CashApp gave me my money back.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Money transfer, virtual currency, or money service

I have used COINBASE for the past several years. Starting XXXX of XXXX, I have been consistently blocked from login screen. When I request for password reset, the system does not send me any emails, nor does it send me 2Fa verification code to my registered phone number. I have attempted to call their phone service which directs me to login to the site..
Product: Mortgage

Chase, our mortgage lender, raised our mortgage payment from {$2500.00} to {$2900.00}. They claimed that we need to pay more property taxes and have an escrow cushion of {$1500.00}. 

Thus, Chase has raised our mortgage payment by about {$500.00} per month. This is too much. My wife is sick and can not pay more. I am a XXXX but don't make a lot of money. 

We believed that a mortgage payment -- a fixed mortgage -- should stay the same. We can pay our original mortgage payment of {$2500.00} without trouble. But now, someone made a mistake by not setting up the escrow accounts correctly -- and now we have to pay, literally and figuratively. 

Someone else needs to pay the difference. We did not make a mistake. And raising our mortgage by {$500.00} a month is an unfair burden on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My Name in credit report is wrong someone is trying to get my identity
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EXPERIAN credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting EXPERIAN directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report number XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EXPERIAN credit report. Additionally, I seek written confirmation from EXPERIAN once these accounts have been corrected. I also ask the CFPB to investigate EXPERIAN handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Debt collection

Transunion isn't responding to my serious matter as i've written to them certified with no response under the FCRA this item shall be removed as in no response especially inaccuracies with no proof of validation. 

They didnt validate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX
Product: Mortgage

This is the XXXX submission of this complaint. Wells Fargo 's agent called the wrong number to reach me. I CALLED THEM BACK WITH THE CORRECT NUMBER BUT THEY MADE NO ATTEMPT TO CONTACT ME, THEN CLOSED THE CASE CLAIMING THEY COULD NOT REACH ME. 

Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the XXXX mortgage package. I was fraudulently forced to take the XXXX mortgages by Wells Fargo 's subsidiary Prosperity Mortgage and was instructed to only put down a 5 % down payment by them. I only did this on the promise that the XXXX loans would be consolidated into XXXX after one year. They refused all efforts to refinance until last year and now will not do anything to make up for this and are ruining my credit through stalling and refusing to refinance the XXXX mortgage. 
Wells Fargo ignored my request for lower payments for two months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the 20 % down payment needed. In fact, on the guidance of a Wells Fargo 's agent Prosperity Mortgage, I put 5 % down even though I had close to 10 % in the bank. At the time a 3 % down payment was considered sufficient and they now finance regular mortgages with 5 % down, so their claim that I had insufficient down payment was false. 
At present, a XXXX modification request has been submitted and referred for processing. I can only afford to pay every other month and am missing more and more payments as they stall and play games like this. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who are victims of this mortgage scam. The federal government needs to require that all XXXX mortgages originated with the XXXX mortgage are automatically eligible for Harp II refinance regardless of who owns it. Victims of this scam also need to be compensated for the XXXX in interest we have paid due to refusal to refinance these loans. Something needs to be done to help us.
Product: Checking or savings account

Looking for your agent to get an evidence report from Merill XXXX to see the hacker how to hack my account. SO far, there are six months over, I still can't get any formal response from Merrill XXXX yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Experian, XXXX, and XXXX regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

Experian : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by Experian : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : C Zardin, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send Equifax several letters disputing inquiries that I did not authorize. for the following companies : 1.XXXX XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX I have faxed, called, and send letters disputing these inquiries in which Equifax has did nothing more but ignore my letter, faxes, and disputes all together. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX  XXXX I have been a victim of identity theft and I am writing to dispute the account information in my file. This account was a result of the identity theft and is not mine. 

You must be aware that the furnisher of my credit information is an unreliable source and that the informational items sent to you from the furnisher was inaccurate prior to you issuing my consumer disclosure. 

Block the account XXXXXXXX XXXX XXXX from reporting to my consumer report because it is verified identity theft reported by the police. Included is the police report with the individual who stole my identity reported. 

Also included is my proof of ID ( Drivers license, social security card and utility bill )