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

XX/XX/year>2021 the SSI sent {$840.00} to my cash for my daughter XXXX she receives. Well that day she didnt receive it so I called them multiple times before they answered & I was told they sent it back to the sender so, I called the social security administration office to see if it was returned they asked why would it be they dont receive returns back once sent. After that I tried & tried to contact them thru phone calls & emails all theyve done was put me in a cycle & kept my daughter money! I have the emails & the transaction cause cash app doesnt delete anything!!
Product: Student loan

Submitted PSLF application for 2023, and requested forbearance, as I have enough qualifying payments for my loan to drop to a XXXX balance. They were only waiting on employment verification. I submitted this request on XX/XX/2023. They still have not put my loan in forbearance, reviewed my PSLF application, nor my employment verification. They continue to harass me for payment, report to the credit bureaus, and show that I am past due, when my balance should be XXXX. I sent a message asking about the forbearance on XX/XX/2023, they responded with a request for payment on XX/XX/2023, completely ignoring my question about forbearance.
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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the electronic funds transfer act ( EFTA ) and regulations E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

had requested Experian to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Student loan

On XX/XX/XXXX I received an email from FedLoan Servicing stating the following : " ... If you made payments and now realize you were not required to, you can request a refund for all payments made since XX/XX/XXXX. '' Being that I made payments towards my federal loans adding up to approximately $ XXXX, I called and emailed FedLoan Servicing on XX/XX/XXXX to submit a refund request and was informed that I would receive the refund in the next 30-60 days. I called numerous times since then ( in XXXX and XXXX ) asking for an update on the status of my refund and was informed of an issue with the Treasury Department that would cause a delay in my refund so I waited another month. I called again recently and was informed that my refund request was canceled on XX/XX/XXXX ( 18 days after my request for a refund was made ) with no valid explanation as to why it was canceled. When I expressed my frustration with FedLoans customer service, lack of communication, professionalism and accuracy, I was hung up on many times and had to call back to start the process all over ( this happened at least 4 times ). When I finally reached someone in the escalation department I was informed that there was nothing that they can do to fix this issue since my federal loans have now officially transferred to a new loan servicer ( transferred on either XX/XX/XXXX or XX/XX/XXXX ; I received 2 different dates ). I have been told by FedLoan that I need to request a refund through my new loan servicer and that it will take an additional 30-60 days to receive it. When I contacted my new loan servicer, they notified me that they have not officially received my federal loan account yet and therefore can not process my refund request. The deadline to receive my refund is XX/XX/XXXX and I fear that I will not receive my refund in time and will lose out on the money that I spent to pay my loans during a period that I did not need to. FedLoan Servicing is completely inefficient and has wasted my time for the past 3 months. I was not informed until the last minute that my refund request was canceled almost immediately after I submitted the initial request. The representative who hung up on me was named XXXX ( # XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Sagestream  continues to report information on me even when I specifically asked them not too. You are a reseller of consumer data information. The problem is you do not have authority or permission. I demand you remove any misspellings of my name or address that is incorrect. My name is XXXX XXXX and my address is po box XXXX XXXX XXXX, MI XXXX remove any other information that is not mine.
Product: Mortgage

PHH IS CHARGING OUTRAGEOUS FEES FOR AN ALLEGED ESESCROW SHORTAGE. I NEVER EXPERIENCED A PERIOD WITHOUT HOMEOWNERS INSURANCE. I HAVE XXXX XXXX XXXX WITH OUT LAPS IN COVERAGE. I AM XXXX XXXX AND A 100 % XXXX  XXXX XXXX XXXX  .I AM 100 % EXEMPT FROM PAYING PROPERTY TAXES. PHH IS STILL PROJECTING {$940.00} AS WELL AS INSURANCE PAYMENTS OF {$2300.00}. 

CURRENT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a fraud account through my credit. I called all three credit agencies to freeze my account. Experian has fraudulent information about my account. When I call them to fix it all I get is and automated response. Can not get to a live representative instead the system just hangs up on me. I have no way to block by credit with wrong information in the system that I did not put in there. Now I have no access to my credit through them.
Product: Credit reporting

I applied for a credit card and was denied ( see attached letter ), I had lifted my security freeze per process described and it did not allowaccess to my credit file as claimed by credit card company.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
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 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Student Loans have been completely forgiven by the Federal Government in XXXX of 2024. All my accounts have 0 balance on the appropriate accounts. However, Mohela has not reported my 0 balance on the loans to the credit agencies. I have sent a message and have not heard from them. 

Upon researching, this seems to be the only action that will have Mohela fix the issue with the credit reports.
Product: Credit reporting or other personal consumer reports

I am demanding these accounts be blocked and removed immediately because lt is the result of identity theft. Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 15 U.S. Code 1681i ( a ) 6 ( b ), and 15 U.S. Code 1681i ( a ) ( 5 ) ( b ). 
I repeat I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Inquiry not authorized on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my XXXX and TransUnion credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to all three credit bureaus about an account that I believed to be reporting incorrectly. I sent that letter via mail and still have not received a response back. I don't feel as I am liable for this debt due to the fact that it's not only reporting incorrectly but the bureaus are unable to provide me with anything on how this account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On EXPERIAN, XXXX XXXX XXXX, ACCT. NO. XXXX IS REPORTING INACCURATELY.I have tried to remedy with multiple disputes to Experian and XXXX. 
AMONGST THE NUMEROUS ERRORS OF THIS CARELESS REPORTING I AM INCLUDING PROOF THAT EXPERIAN CAN ACT ON UNILATERALLY WITHOUT CONSULTING THEIR SUBSCRIBER ... ... ... 
ON THE ATTACHED REPORT, XX/XX/XXXX PAYMENT SHOWS OK ON TIME, FOLLOWED BY XX/XX/XXXX SHOWING 90 DAYS LATE, AN IMPOSSIBILITY. 
I WOULD LIKE FOR EXPERIAN TO DELETE THE PAYMENT HISTORY IN ENTIRETY. 

ALL OF THE LATES WERE CAUSED BY XXXX AUTOPAY A SYSTEM THAT SENT BACK PAYMENTS TO THE BANK OF ORIGIN WITHOUT NOTIFICATION AND THEN GAVE ME THE LATE PAYMENT HISTORY, THAT IS THEIR FAULT. 
PLEASE FINE EXPERIAN FOR THEIR LACK OF ATTENTION TO MY DISPUTES AND PUBLISHING LATES THAT ARE IMPOSSIBLE TO ACHIEVE.THIS PYMT HISTORY HAS NO VALIDITY, ACCURACY OR INTEGRITY FROM THE SUBSCRIBER.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

Account Name : AMEX Account Number : XXXX Date Opened : XX/XX/2011 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

i want these hard inquiries to be delete, I did not authorize those company to ran my report. that is fraudulent. 

XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX -, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX. 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to express my profound dissatisfaction and grave concern regarding the recent termination of my account ( XXXX ). Despite meticulously adhering to all stipulated protocols to ensure the continued viability of my account, its sudden and inexplicable closure has compelled me to seek immediate redress through a thorough investigation. 

On the XXXX XXXX XXXX XXXX, at approximately XXXX XXXX, I diligently deposited the sum of {$800.00} into my TD Bank account at the branch located in XXXXXXXX XXXX As a result, Consequently, the account attained a favorable standing, subsequent to its previous negative balance of {$140.00}. 

Subsequent to this, a check in the amount of {$4000.00} was deposited on the same day. Assured of the favorable standing of my account by the Assistant Branch Manager, XXXX XXXX, who unequivocally asserted that the impending closure, scheduled for XX/XX/year>, would be averted, I proceeded accordingly. 

In good faith and reliance upon the managerial representation, I expeditiously engaged with the TD Bank Recovery Department to establish payment arrangements on the aforementioned day. Subsequently, I successfully negotiated monthly payment schedules, with deductions scheduled for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX as corroborated by electronic correspondence. 




To my dismay, notwithstanding the substantial deposits effected and the judicious establishment of payment arrangements, my account was summarily terminated on XX/XX/scrub>XXXX XXXX XXXX This unilateral action, bereft of discernible justification, stands as an affront, particularly in view of the account 's favorable balance and the confirmed payment schedules. 

I urgently seek elucidation on the following points : 1. The underlying rationale for the termination of my account, devoid of any outstanding liabilities post-deposits. 
2. The justification for the account 's closure notwithstanding the firm establishment of payment arrangements scheduled for XX/XX/year>, and XXXX XXXX XXXX 

This regrettable turn of events has occasioned substantial inconvenience and distress. Accordingly, I implore a comprehensive inquiry into this matter, accompanied by a detailed explanation and expeditious resolution. In light of the foregoing, I humbly request the immediate reinstatement of my account and the prompt retrieval of the funds therein. 

Your immediate attention to this matter is earnestly solicited. Anticipating a prompt written response within ten business days, failing which I may regretfully be compelled to escalate this grievance to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Kindly refer to the attached documents for your perusal. Thank you.
Product: Credit reporting or other personal consumer reports

I received a prescreen offer of credit email from CareCredit on XX/XX/year>. The email indicated I was approved for at least {$3000.00} in credit, and that information was used from my credit report to make this offer to me. I permanently opted out of prescreen marketing from the listed bureaus about 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware that Equifax put a hold on my credit profile, unknown to me, and also no information was sent to me via mail to advise me that this has taken place. I found out on XX/XX/22 that my credit has been frozen after attempting to get an increase from 2 creditors. I called the same day and had Equifax unfreeze the account, I was also advised to wait for 1 hr before retrying again with the creditor, which I did. I called back 2 hrs later and was advised my credit was still locked. A few days later I received a letter stating the freeze was uplifted. I tried reaching out to Equifax to correct this issue, but the company states that there is no freeze. I was advised to create an online account, which I did, I was unable to create one because the system could not verify my info, which was correct. I spoke with w/the agent and advised them of the " NH '' error code, he then proceeded to attempt to create an account from his end and received the same error. Again, no resolution was given but instead, I was advised that they needed more information which has to be mailed with no option for uploading online or fax. Which I must say is an inconvenience for a customer whos been disputing a freeze for almost a month. I am unable to get a credit increase from two creditors that I desperately need for home repair due to the after math of Hurricane Ida.
Product: Credit reporting

All XXXX credit agencies require I pay for credit report from them to get an id number so that I can dispute fraud address on my report. This report number will then enroll me automatically in their protection service plan. Victim of identity theft and credit card issued in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

I received a quote for a  10/1  ARM in the amount of {$700000.00} at a rate of 3.325 %. A rate lock agreement with this rate was signed. A few days later, I received an email stating the rate would no longer be honored and it was being increased to 3.475 %. The bank stated they had not done their due diligence in determining which types of loan rates I would be eligible for. I had selected the bank for its low rates and the rate should have been honored instead of providing a bait-and-switch once I completed an application and signed a rate lock agreement. No one should be subjected to this type of predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter requesting that Transunion verify some accounts that were reporting inaccurately on my credit report. I never received a response. I sent two more letters. oNe on XX/XX/2020 and another on XXXX. I have not received a response yet and these inaccurate accounts are still showing on my credit report causing me to keep getting denied for credit.
Product: Debt collection

I started receiving phone calls from my relatives onXX/XX/19 in regards to a debt owed. I had no recollection of the debt it was in regards to. PCR (Pioneer Credit Recovery) has contacted over 10 family and friends in regards to a debt I’m unaware of. Today, XX/XX/19 I received a call at XXXX at my job in regards to student loan debt that I have disputed the amount and received no additional information after the dispute. The guy that called my relatives and employer is XXXX XXXX. The number he called from was (XXXX) XXXX. I advised him to cease and desist calling my job and relatives and friends, as well as myself. I advised him to please email or mail me all correspondence in regards to this matter. The associate stated they’d continue to call my job and me because they work for the government and they have that right. Also, he advised me that my wages would be garnished. I couldn’t continue with the conversation due to being at work.