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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have been neglecting my numerous CFPB Complaints and Dispute letters that I have been submitting to request the removal of the disputed accounts and information from my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, the Credit reporting Agencies have been claiming that the disputed account belong to me without sending me copies of proof of verification or any proof of ownership. I have been requesting that the Credit Bureaus send me copies of proof of verification if they ever claim that the disputed account and yet they have failed. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit reporting Act section 605b. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Credit Bureaus in the event they do not remove the disputed account from my Credit File. If it is not too much to ask, I am in need to remove the disputed account from my Credit File : XXXX. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Product: Credit card

I login my Capital One account and earlier like XXXX XXXX my Platinum balance was XXXX.But i login yesterday XXXX XXXX it showed Unauthorized Changes of {$69.00} from XXXX XXXX XXXXBut this was Not Authorized by me.CFPB issue me complaint # XXXX on XXXX it was resolved i thought, say i owed when i didn't.XXXX XXXX XXXX i paid them $ XXXX XXXX XXXX it came out of my check account, for different New policy # .I tried getting hold od capital one but they kept saying internet service not working??? I want my full refunded back to my account, it took my XXXX limit over to XXXX, now may get overdraft fees too.
Product: Debt collection

Negotiated a cash payoff amount for student loan debt. Payment was sent in full for the amount on a billed notce and sent by usps shipped to billing address before due date. The amount cash payment was credited but agency did not honor the pay off negotiated amount. XXXX XXXX stated they changed addresses for payment and the address on the pay stub they sent was not correct, resulting in processing delay. 
XXXX states they are not able to make the change to the account, honoring payoff and continues to tell the consumer they need to contact department of Ed. 
Complaint : False statements and claims from collection agency. The agency payment statement for pay in full amount was not honored. The payment was sent and postmarked prior to due date. The agency stated the delay in payment processing is responsibility of collection agency as they changed billing address with no notification and referee consumer to dept of Ed. 
Collection Agency : XXXX XXXX XXXX , XXXX  . 
XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX PNC Bank closed my checking account and my credit card account without my authorization or notification. Along with taking over XXXX in funds rendering them inaccessible causing extreme inconvenience and still have not received my money. I had a altercation with an employee over customer service and filed a complaint with the bank itself. I closed my money market account over this dispute. However I left the checking account open and have direct deposit. This will cause several payroll checks to be returned to employer due to not being able to deposit resulting in severe delays in getting my payroll checks. I was assured by the bank that my account would not be closed when I filed my complaint because the employee ( XXXX XXXX ) I had a disagreement with threatened to close my account during altercation. I was later contacted by Executive Client Relations specialist XXXX XXXX regarding my complaint who told me they would be looking into the matter. Then on XXXX first my account was closed and my money was seized. This is theft of my federally insured funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

after seeing my credit report i notice items that were not mine on there and filed an identity theft report with my local police station for XXXX on XX/XX/2019 and attached 23 of the 60 plus items on there.i did not authorized these items to be there
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/2024 for a collection account on my credit, from XXXX XXXX XXXX. I disputed this because the information they had on file, was not accurate. 
I have not heard anything in regards to the dispute. I have since, updated all of my information with the company, so they have all accurate info. The dispute is still pending 4 months later.
Product: Student loan

I have had several problems with XXXX XXXX. Every year I have to submit my employment verification form several times in order to get it processed, even though I serve in the XXXX. I have also had trouble with deferment issues. I am currently enrolled in a Master 's program part-time and every semester XXXX automatically puts my account in deferment. I call and submit the deferment waiver form to be taken out of deferment because I am in the PSLF program and every month I am in deferment is a month that does not count towards PSLF. Every time I call and submit another deferment waiver form I get told that it takes time to process and that it will all be sorted out, but this seems to be a pattern with XXXX and I can not figure out why I keep getting put in automatic deferment when I have specifically requested to not be placed in deferment. Additionally, when I applied for PSLF, all of my loan where transferred from XXXX to XXXX. During this period I was unable to access my account to ensure my payments where being processed. I made several calls and every time I was told not to worry I would have access to my account " soon ''. By the time I got access XXXX informed that my loans where past due because I failed to pay on time. Then a year later they tell me because I had a late payment that my forbearance funds were being nullified and the interest was being added to my account. This only amounted to around 150 additional dollars but its about principal. This company has failed me and other customers at every turn. Furthermore, they seem to not care about the effect that their malfeasance has on borrowers. In fact, I seldom receive customer care that is not rude even borderline hostile when I call about my account. Including today XXXX XX/XX/XXXX, after waiting no less than 20 minutes on hold I was greet by XXXX, employee number XXXX, who could not have been more rude and insensitive about the fact that my account was being placed back in deferment and I was having to take time out of my duty day to attempt to correct this action again. I want to know when XXXX will be held accountable for their deceptive practices relating to deferment and public student loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 

XXXX XXXX XXXX  XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Product: Vehicle loan or lease

My Vehicle was repossessed in XXXX of 2021. I never receive the notice of sale as required by Florida law. I have requested a copy of the notice of sale, and all documents related to the auction ( dates, sales price, sales type, location, etc ... ), as well as why the vehicle was transferred in Illinois according to VIN records on XX/XX/XXXX ( did a private sale occur? ). I have not received those documents, which I am entitled to receive by law. I hereby request that they send the documents via the CFPB portal and/or via email at XXXX. 

I have serious concerns as to why there is a deficiency on the loan. I need records of the accounting related to this loan, specifically how they calculated the deficiency of {$5200.00} ( reported to credit bureau ). The vehicle was allegedly sold in XXXX of 2021. The auto market was already red hot by XXXX of 2021, and I believe the vehicle was worth substantially more than what they sold the vehicle for at auction. They had offered to sell the car back to me for substantially less than what they received at auction, as full satisfaction of the loan. They received a higher sales price at auction, so why are they pursuing a deficiency?
Product: Credit reporting or other personal consumer reports

After checking my credit report, I see under ''Real Estate Loans '' there is a company called XXXX  XXXX that was reported on XX/XX/year> with no account details but I have never applied for or opened ANY real estate loans. I believe this account was opened in fraud or identity theft. I have not opened or given my consent for this account to be opened by this company or any other real estate loan company.
Product: Credit reporting or other personal consumer reports

have included the inquires from all credit bureaus to remove from there credit report. I also attached other information regarding Incorrect items being reported during the time my identity has been stolen. I need assista with severe problem that is affecting my life and progress with my life plans. Please support me and interest in repairing my life. 
Thank you sincerely XXXX XXXX
Product: Credit card or prepaid card

They decrease my limit because they say I didnt authorize payment so I had bank send multiple letters and they even was on phone with bank they said they pull my credit but my credit XXXX plus I have a freeze than they went back and call back and said could they pull I have been getting the run around multiple times and they have no just I am a buisness customer which this has cost my buisness tremendously.
Product: Debt collection

Amerifinancial solutions is reporting accounts on my  XXXX  report. The address   XXXX   is listing for,  XXXX  to contact them is not A GOOD ADDRESS. I sent company a validation letter and received envelope back stating no account. How am I able to get this date validated if I ca n't reach them?
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.
Product: Money transfer, virtual currency, or money service

Just this month, Bill.com, a platform that processes accounts payable items, started sending misleading marketing emails to our vendors suggesting, incorrectly, that the vendors needed to create a Bill.com account in order to be paid. Not only is this incorrect, these communications violate Bill.com 's Terms of Service and Privacy Notice. Bill.com collects a " Payment Notice Email, '' and the Bill.com user interface claims that they will contact the vendor with a notice that payment is on the way. The offending emails that they send, however, incorrectly suggest that the vendor needs to " Choose where to receive '' the payment, and the email then provides a link for the vendor to create a Bill.com account. Although the email states in smaller text that the vendor will be paid regardless, this has caused confusion for several of our vendors. 

It took a week of me contacting Bill.com through their customer service portal to finally speak to a customer service representative about this. Even then, she could offer no way to opt out of these communications, nor could she point to a provision of the Terms of Service or Privacy Notice that allow this type of communication.
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 ). 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 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: Money transfers

pay pal randomly closed my account and withholding my funds. When asked they would not give any answer why account is not completely closed. I do not want my account and financial information to be available for everybody to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a real personal complaint made by me XXXX XXXX. Not a third party company or anyone else. I am a victim of identity theft, i submit a report to the credit reporting agencies and they didnt remove any of the accounts. and per the fair credit reporting act they have XXXX days to remove all of the accounts.
Product: Consumer Loan

If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. 3 payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are Check Into Cash and XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With Check into Cash, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.
Product: Credit reporting or other personal consumer reports

This is the XXXX times I've complained about being a victim of identity theft. The credit Bureaus must remove these accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$630.00}
Product: Credit card

My credit report showed negative in XXXX from Capital One. I closed my account in XX/XX/2024. There is always a {$0.00} balance when I checked to make sure the account is XXXX out. 
However, there is an amount for {$120.00} on the closed account that is being reported to my credit report. with a {$0.00} balance when I login. If I try to select pay amount says no charges account closed. I contacted Capital One they said I didnt owe anything, but refuse to send me a letter or email stating {$0.00} charges. I asked that the charges be removed if my credit report along with a letter/email for clarification
Product: Mortgage

We have been through ( if u want to call it that ) XXXX different modifications. Problem is the company Ocwen always refuses to give us any details of the permanent modification until we pay the 3, once XXXX trial payments, which we have always done. If we ask for an upfront look at permament terms we are told u can refuse the trial payments but are not guaranteed this trial or another future trial and foreclosure will continue. You will never see the permanent terms until you pay the trial.Then we get the permanent terms with a balloon payment of {$80000.00}, {$99000.00} or bigger monthly payment which is never mentioned or even hinted at in the trial plan terms. Our house is so far underwater it is heartbreaking. Homes on our street are not selling for {$120000.00}, one sold for {$40000.00} at auction. Our current modification just started including a balloon payment total : {$300000.00}. We can afford {$1100.00} a month and a fair loan balance. We appreciate any help anyone wants to give us but this does not seem like help ecspecially from Ocwen, who seems to lose every document you give them, stretch out the process and continue to add these home inspection fee 's week after week. We are smart enough folks with college degree 's, we know who caused the collapse in 2008 and it sure was not your everyday people like us. Yet, '' not one XXXX XXXX person went to jail '' per XXXX XXXX in last nights debate. We will vote XXXX like we always do but we will never get ahead. The XXXX XXXX folks made XXXX, collected insurance for loses from XXXX and XXXX more in bailouts.People say they paid back the bailouts : It is easy to pay back when u made XXXX in scams and paid only XXXX in fines??? Yet we are only offered {$120.00} or {$80.00} a month off mortgage payment or {$10000.00} in principal reduction, and it is tacked on the end ( Balloon ), or kicker you must pay tax on it.. We have put our blood, sweat and tears in our home. Never late in the fist XXXX years of our mortgage..Finally the real kick in the XXXX. We lost our entire home and contents to a woodstove fire in XXXX 2008. Insurance covered us, and even gave us alot of money for every personal item we lost : My wife and I and XXXX kids, XXXX years worth of stuff. Every toy, clothes, shovel, plates, t.v, stereo, throw rug, Holiday decoration, etc. etc. Alot of money in personal items paid directly to us. My wife and I decided to be smart and put that money someplace almost guaranteed for our kids future. We put it all into building a new house double the size of the one that burned and now our current house is worth much much less then even the one that burned?
Product: Checking or savings account

Bank of America was charging me {$25.00} per month from XXXX through XXXX. I called and spoke to representative and they would only refund me {$50.00} out of the XXXX they took. This account was opened in 2009 I believe and was never charged a monthly maintenance fee. I never received any correspondence in the mail or through email in regards to the fees being taken out of account.
Product: Checking or savings account

I am XXXX and bank with direct express, my XXXX deposits go on that card, in XXXX XXXX i ordered a new card because there was fraud and someone had locked me out of and hacked my online banking, when i got the new card the company helped me get my online banking back but when i got into the account online aproximately XXXX of my winnings from my XXXX case had been stolen, the company denied and knowledge responsibility or help, in XXXX XXXX for fraud again, they credited me XXXX for the fraud after an investigation, then the bank stole it back from me and wiped my card into the negative
Product: Mortgage

Have never refinanced my mortgage before. Proof of Satisfaction of Mortgage file with XXXX XXXX XXXX clerk office for property at XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX. Illegal transferred my home for {$1.00} ( one United States dollar ) to XXXX Bank. Fraud and theft of property, manipulated insurance claim funds with frivolous 1099 income with IRS when no mo et was actually tender. Cashed my $ XXXX check without my signature. Acknowledging frivolous filing my XXXX the previous services. 
Also, recently altered my Insurance check with incorrect claim number for {$49000.00} and {$30000.00}.