23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a co-signer on a loan with XXXX which is serviced by XXXX XXXX. I was contacted by Allied international credit as the primary borrower is 140 days past due with payments. I requested an accounting in writing from Allied International Credit and was informed that they do not provide statements of debt. I called XXXX XXXX to confirm the financial information regarding the amount past due that I was given by Allied International Credit. They told me the past due dollar amount. I requested a statement of the debt owing from XXXX XXXX and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that Allied International Credit and XXXX XXXX gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.
Product: Prepaid card

I was given a Vanilla ( InComm ) gift card with a Visa logo on it in I believe early XXXX with a {$100.00} balance on it. I tried to use the card a few months after receiving it ( approximately XXXX XXXX XXXX and there was {$0.00} balance. I looked up the transaction history on the Vanilla website and it said the card had been used for a purchase on an online gambling website ( I believe it was XXXX XXXX sometime a month or two prior. I did not make that purchase and had no knowledge of it. 

I contacted Vanilla/InComm customer service and was told by the agent that in circumstances such as mine, customers usually get their money back. I filed a dispute and waited another few months. Finally yesterday, XXXX I received an email saying that my dispute had been denied because " Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' There was no cardholder agreement that I was aware of since it was a standard prepaid card, and there's no elaboration on the " timeframe '' part of it. I contacted Vanilla customer service again and was told that there was nothing they could do as the case had been closed. I did email the dispute center back, but I am not optimistic about getting a response or getting my money back, since the investigation process is apparently entirely at their discretion and there's no way to call the dispute team, only email and fax. 

A look at the XXXX reviews of Vanilla/InComm shows XXXX XXXX XXXX reviews describing the exact same thing happening over and over -- people purchase or are given a prepaid card only to find that its funds have been stolen by scammers. Given how widespread this issue is and the fact that probably millions of dollars have been stolen this way so far, I believe InComm needs to fix their system as they are essentially selling an expensive, defective ( often literally worthless ) product. If possible I would like to get my money back and I would like to spread the word about this scam and the company 's lack of accountability for it.
Product: Credit reporting or other personal consumer reports

My experian account appears to have been hacked somehow. Their lax security standards have made this possible. I am now unable to unfreeze my credit nor can I access the account I created for myself. and I am unable to reach a human for help in this matter
Product: Checking or savings account

Someone opened an account with Regions Bank. and had an ACH from FEMA for {$9000.00} deposited into it. then another ACH out of the account for {$8600.00}.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM and XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30  days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
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 XXXX Account name ( XXXX XXXXXXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX XXXX Account XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of a 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 have two accounts through Venmo which are utilized for sending and receiving money. One is my personal account, and one is a business account. My business account has over {$1400.00} in it. On XX/XX/24 Venmo froze both of my accounts for no reason. All I was told was to reply to an email I received that advised me I needed to attach a copy of my drivers license. I completed that the same day. I chatted online with a representative, as well as speaking to their support team over the phone. I was never given a single reason my funds have been frozen. I was told the only thing to do is to wait to receive an email from an Account Specialist. I was told account specialists are the only team that can help, and there is no other option to be in contact with them other than to simply wait for them to contact me via email in 10-15 business days. I was told by their support team that my case would be escalated and that it would not be 10-15 days. I have heard nothing, and attempted to reach out again this morning. I still can not access my funds, and have been given no reason, nor been able to speak to anyone that can help. These funds are for a childrens non profit, and this is completely unacceptable and unlawful.
Product: Debt collection

XX/XX/2020, received a letter in the mail that I owe {$5300.00} for XXXX XXXX XXXX Letter did not have XXXX account # or any details about why I owe this debt? 
Looked on Internet, and they are scam company, who drums up these false debts, report to your Credit Score, and ruin you r credit while demanding $ $ $ to repair the Credit Score. 

This is from my credit score : Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name SOURCE RECEIVABLES MANAG Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$5300.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Remarks Placed for collection.
Product: Debt collection

There are two accounts on my credit report which were medical bills and I never received a statement for the credit agencys name is AR resources. I spoken to the original debtor and was told these were medical bills from 2014 at which time I had insurance and they failed to bill the insurance. XXXX  from Florida which the hospital had on file at time of service and the medical group did not. But I received no notice or phone call from either party. At this time they have tarnished my credit and I should not be penalized if they did not do their job in a timely fashion. I would like to have these items removed from the credit bureaus as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. PENTAGON FCU Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping 34 points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cass App ( block , INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). 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 and Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violation.
Product: Credit card

Case number : XXXX To whom it may concern, I am writing to file an official complaint against XXXX XXXX concerning unresolved fraudulent charges on my compromised credit card account. Despite my prompt reporting and their issuance of a new card, XXXX XXXX has failed to finalize the refund of the fraudulent charges ( in the amount of {$650.00} ) in accordance with the law. 
I just got notified of this a few minutes ago when their representative called me, asked me questions about the case which I previously clarified, and made me aware that the investigation is still pending ( After almost XXXX months ). 
XXXX XXXX violates the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. XXXX, XXXX C.F.R. XXXX. See also XXXX C.F.R. XXXX ( b ). 
This delay has caused significant inconvenience and concern. I seek your assistance in resolving this matter and ensuring XXXX XXXX complies with its legal obligations. 

Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Between XXXX XXXX federal credit was taken overdraft charges of {$20.00} from my account when the balance was available at the time of purchases.
Product: Credit reporting or other personal consumer reports

I disagree with the information listed in the consumer report after your investigation. I demand that these items be immediately reinvestigated. Several notices have been sent to each CFO ( XXXX XXXX ( XXXX ), XXXX XXXX ( TransUnion ) and XXXX XXXX ( XXXX ) for verification. A copy of these notices has been attached. The inaccurate and unauthorized information are very harmful to my creditworthiness and my ability to extend my use of credit. Previous information that was brought to your attention as verified was recently deleted after reinvestigation. I also request that you provide me with details regarding the method used in conducting the investigation, including the names and contact information of any individuals involved, and a summary of the procedures followed. I expect to receive a written explanation of the results of the investigation, along with an updated copy of my credit report reflecting any necessary corrections or deletions. 
Unauthorized Accounts : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. These below accounts were not authorized by me. If these agencies are verifying that these accounts are authorized by me, I am demanding to see the original signed agreement or contract that grants them authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payments, I dispute the accuracy of these late payments as they are erroneous and do not reflect my payment history accurately. Its information falsely manipulates my credit worthiness and it's hurting my ability to obtain the best credit rates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal and XXXX claim I violated their " user agreement '' and refuse to disclose any information. My girlfriend and I were making new accounts here and there sharing our accounts. We don't owe money or have caused any damages to them. Even the checks PayPal sent when they closed an account couldn't be cashed. I don't know why any of this is happening. But I'm losing money and can no longer use their services. All my information from phone number to SSN is blocked from use on their sites and apps indefinitely. And as I stated both companies refuse to give any reason as to why. They only claim I " violated user agreement and no more information will be given. '' I'm at a loss and there's nothing I can do, they're bullying me and cutting off my use to secure payment platforms.
Product: Credit reporting or other personal consumer reports

providing public information without consent This company is a third party and has no right to issue any of my pesronal information thru public records providing to XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, it has come to my attention that XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX  XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that XXXX XXXX  has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Debt collection

XXXX XXXX accused my father of being senile and not remembering walking into a loan company and taking out a loan. They threatened to take him to court and spoke to me abusively and disconnected the call. When I explained this was a mistake and not to accuse my father of something he did not do, the representative said my father was guilty until he can prove he did n't take out the loan. I was also accused of crying, which I was n't. The representative spoke over me, made threats and hung up. My father is XXXX years old, but not senile. However speaking to a person with such tactics would very likely cause harm to my father 's health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 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: Student loan

After  graduating  from  XXXX , Navient was supposed to consolidate my loans, they did n't. I agreed to auto payments until they took multiple payments monthly and then send delinquency notices.  XXXX  returned {$1800.00} t hat Navient had  no record. After draining my bank account I cancelled auto payment. Then  XXXX  took over my loans. While on  IBR  my payment jumped from {$70.00} to {$270.00} because my income increa sed $    XXXX  . I 'm terrified to submit my    2016  taxes because my income doubled. A rep from   XXXX   XXXX    said the DOE terms are payments are based off gross pay. I went to the site and they lied. Despite making payments,   XXXX   was STEALING from my savings. I cancelled auto pay  X /2016 but they kept stealing. I had to call my bank and make sure  XXXX  ca n't auto debit. Ive tried to disput e $    XXXX    pa id to  XXXX  because they did n't provide the program I was adamant from the beginning I wanted and I have NO degree. I try to repay, these loan providers make it nearly impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banking institution responded to my notification about potential identify theft indicating that the identification I sent them ( State issued drivers license and concealed carry permit ) was insufficient. They asked for military or passport identification which I do not have. They then requested a copy of my social security card which I no longer want to share with any of these institutions. A case number from the bank has been assigned to this incident..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letters over 4 months ago to XXXX, Experian and XXXX. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.
Product: Mortgage

Mr. Cooper is my mortgage home lender. I am in the process of loan modification due to the pandemic. The year XXXX the underwriter made an error. They had the wrong page and book number that had my former husband name on the mortgage which he was removed when i refinanced in XXXX. I am the sole entitled to the deed and title of my home. I wrote a letter to the underwriter which was sent via fax which they received. They never rewrote my modification mortgage as of this current date. I have called a total of 15 times in 1 year and 5 months. I was told in XX/XX/XXXX to make a trial mortgage payment for 3 months which i successfully completed. In XX/XX/XXXX, i was told my modification mortgage was sent via XXXX XXXX XXXX which i never received. In XX/XX/XXXX, they had me repeat the same process, 3 months trial mortgage, I again successfully completed in XX/XX/XXXX. My documents reported my new mortgage modification loan was sent out via XXXX XXXX XXXX  Again, i never received. I called Mr. Cooper 2 times in XX/XX/XXXX And XX/XX/XXXX to make a mortgage payment which i was told " You can not make a mortgage payment until you receive your mortgage modification loan documents ''. I spoke to 4 agents in the loss mitigation department. ALL 4 agents informed me that i could not make a mortgage payment until my mortgage modification loan documents were returned which i never received. I received a call XX/XX/XXXX from # XXXX modification loan dept. This agent XXXX informed me that my loan modification was declined due to non payment for XX/XX/XXXX and XX/XX/XXXX. I explained the situation regarding i called to make a payment for XX/XX/XXXX and XX/XX/XXXX and they agent refused to take my payment. All my calls were documented. He could not give me an answer. He kept repeating " i did not make a payment for XX/XX/XXXX and XX/XX/XXXX therefore my load modification was decline ''. I tried several times to make payments for XX/XX/XXXX and XX/XX/XXXX and Mr. Cooper : s agents would not accept my payments. Each encounter that i spoke with an agent kept repeating the same verse " you can not make a payment until we receive your loan modification documents ". The agents told me they were sent out, which was a lie, i never received via XXXX XXXX XXXX. I could not make a payment on line either because they BLOCKED my payments. Each agent also kept repeating " i will notify the underwriters to have them send out another loan modification documents '' I made my XXXX mortgage payments for XX/XX/XXXX and XX/XX/XXXX with XXXX on XX/XX/XXXX. Mr. Cooper 's underwriters made a large error. They never sent out my mortgage modification documents. they lied and said they did which is untrue. I need help with serious situation. can someone call me immediately. Nothing is being done to correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account showing on credit report
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX