23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I sent a query to XXXX XXXX, an online auto loan company. A company, Fleet Financial, responded and I asked for a quote. I subsequently decided to go with another lender. However, Fleet Financial sent me a notice afterwards that they rejected my loan and sent a notice to the XXXX credit-reporting agency. My credit is not bad, in fact is in the top XXXX %, and I have no delinquencies etc. as Fleet Financial claims. I secured a loan without problem from a credit union. I believe Fleet Financial 's action is an act of retribution to offset my rejection of their loan. I will communicate with the credit union, but I think this kind of activity is at the least unprofessional and at the worst harmful and damaging of character and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my XXXX XXXX is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I asked the company to verify the debt but I've only received personal I formation without my signature meaning it could have been stolen!
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 XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX amount {$1100.00} as of XX/XX/XXXX has violated my rights 15 usc. 1681 section 602 A states i have the right to privacy. 15 usc. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish a account without written instructions, 15 usc 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 records of convictions of crimes which antedates the report by more than seven years. 15 usc. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasoning cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I took this loan out in XX/XX/XXXX., for XXXX. I have paid XXXX semi monthly since ( yes insane, I know but I was desperate ), I fell behind on payments last month and asked them if I could settle it. They now want {$900.00} more!!
Product: Mortgage

Chase continues to give the runaround and failed to provide effective oversite while working with the XXXX XXXX XXXX ( XXXX ) XXXX and is still failing to accept the XXXX payment. The program provides financial assistance to allow homeowners to pay off housing-related costs related to delinquency, forbearance, or default of mortgages. 

My complaint includes the following : XXXX. Failed to respond in a sufficient and timely manner. 

XXXX. Failed to provide effective and efficient oversite with the XXXX XXXX  and the borrower. 

XXXX. Lack of adequate staff with the qualifications and skills to oversee and assist with the XXXX program. 

XXXX. Failure to provide an adequate designated representative to provide XXXX staff with the information required to complete the HAF processing XXXX. Failed to provide adequate training to staff related to the XXXX processing process. 

After receiving numerous telephone calls and voice messages from numerous Chase staff and speaking with numerous staff, still, no resolution has been reached. This has been dragging on since the beginning of XX/XX/2022 when Chase failed on numerous occasions to respond through the XXXX  submission portal with the required information to complete the process. 

On Friday, XX/XX/2022, before the closing of the business day I received a call from XXXX XXXX XXXX at Chase. XXXX XXXX was assigned to address this issue regarding the XXXX XXXX back in XX/XX/2022. XXXX XXXX continues to have no clue or any idea about what is going on, nor seems to know who to speak to regarding the XXXX XXXX. Although I am sure Chase has some sort of Finacial Assistance Agreement with the US Treasury, XXXX XXXX has stated that Chase is not involved with the process relating to the XXXX program. For the past 2 months, none of Chase 's staff has had any idea about what needs to be done to resolve this issue when working with the XXXX processor responsible for gathering the information to provide payment of the arrears balance on my account. 

After reaching out to Chase on several occasions through conference calls with the XXXX  processor to obtain the required information and after speaking with the processor, I was told that Chase in fact failed to provide the required XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) form. They also provided an incomplete XXXX of the Mortgage form that did not include the amount that was delinquent. This information was necessary to complete the XXXX payment process.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. Should you require any further information or clarification, please do not hesitate to contact me. I am asking for your assisstance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The debt collection company JEFFERSON CAPITAL SYSTEM continues to change the start date of the debt ... the XXXX XXXX debt was reported in XXXX originally ... I do not receive statementS from JEFFERSON CAPTAL SYSTEM monthly anymore ... they send a statement once every six months or so and then change the beginning date on my credit report to the date they have mailed the current statement ... this debt was supposed to be removed by XXXX XXXX in XXXX because the young men at the store ( a franchise ) were investigated for " improper account manipulation to gain commission '' and found to have fraudulently reported this information to XXXX XXXX ... Who in turn sold the debt to JEFFERSON CAPITAL SYSTEM ... 

I have not had contact with JEFFERSON CAPITAL SYSTEM since XX/XX/XXXX ... So they are incorrectly reporting of the beginning date of this debt ....
Product: Checking or savings account

I have a pending charge from XXXX XXXX one on my wells Fargo debit I did not make at All for XXXX dollars. I have no accounts with XXXX XXXX its still pending as well and has it been posted.
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 didapt 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 ( 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: Credit card or prepaid card

I tried several times reaching out to direct express about this fraudulent transactions XX/XX/2020 XXXX XXXX XXXX, XXXX, PA ATM CASH WITHDRAWAL {$700.00} XXXX XXXX, CA CASH PURCHASE {$780.00} still have not received any funds back from any provisional credit this results in my bills being paid rent is due i need my money now
Product: Mortgage

I am writing to formally dispute the unauthorized use of my one-time VA home XXXX XXXX by USAA Federal Savings Bank XXXX I am a veteran entitled to use the VA XXXX XXXX XXXX, which allows for a one-time restoration of entitlement under specific conditions outlined by the Department of XXXX XXXX XXXX VA XXXX XXXX However, I did not authorize the use of my entitlement by USAA for any recent transactions, and I believe this was done without my express consent or knowledge, which has impacted my ability to utilize this important benefit in the future. 
I originally purchased XXXX XXXX XXXX, XXXX PA XXXX in XXXX using my VA loan. I refinanced for a better rate on XX/XX/XXXX. I subsequently sold the home in XX/XX/XXXX. After that sale time, I bought another home at XXXX XXXX XXXX XXXX, XXXX PA XXXX, once again using my VA loan since XXXX League was disposed of. However, USAA fraudulently used, for some reason, my one-time entitlement restoration to purchase XXXX XXXX XXXX XXXX XXXX my permission. I was not aware of this until recently. My XXXX states that my one-time restoration was used for XXXX XXXX XXXX XXXXXXXX, for XXXX XXXX, but this property was sold and the mortgage satisfaction piece was filed by XXXX XXXX on XX/XX/XXXX XXXX I am seeking a restoration of this entitlement in case I need to use it for its intended purpose, with my permission. I've included the " XXXX of Mortgage '' documentation from XXXX XXXX showing that the property was sold/disposed of before my next purchase. 
I have confirmed through the VA that my entitlement was restored without my authorization. This unauthorized action limits my ability to obtain future XXXX loans and has caused me considerable financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, EQUIFAX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX temp number ( XXXX ) XXXX XXXX XXXX number ( XXXX ) XXXX XXXX To Whom It May Concern : Last Friday, XX/XX/XXXX, I went into an XXXX XXXX XXXX XXXX XXXX XXXX near the XXXX XXXX XXXX XXXX, to purchase a Jet Pack, for reception on XXXX internet network. 

I was sold a package with a XXXX XXXX XXXX ( because my moto XXXX wouldnt work ) ; promised by XXXX XXXX XXXX, that the XX/XX/XXXX first payment would be less than {$200.00}. I agreed, and waited for my number ( XXXX ) XXXX XXXX, to be changed. He even wrote down his quote on my receipt, and then denied that he wrote it. 

The number was not transferred, and XXXX has avoided me ; he left about 3:00 PM. 
He texted me the next day, saying I had threatened him, because I had pointed out that he lied to me about the price, and failed to transfer the number. He told me it was out of his hands! 

I waited through Sunday, XX/XX/XXXX, when it was apparent the number wasnt going to change. Driving back to the store, I explained my predicament to XXXX XXXX XXXX ) XXXX XXXX. She tried to help, taking back the items purchased, and returning my old phone. I called the previous carrier ( XXXX XXXX ), but was told the number wasnt available. I spent hours on hold, trying to fix this, using XXXX phone. And hours on the road. 

Today is the fifth day I have been unreachable, because my number is not in service. No one at XXXX seems to be interested in this ; there is no commission to be had. I talked to XXXX who offered to put me on customer service hold again, at the store yesterday ; I declined. 

I would like to dispute the sale, as dishonest activation fees, and therefore void : Suntrust ( Truist ) disputes ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX - XXXX credit XXXX XXXX - XXXX credit XXXX - XXXX credit XXXX XXXX XXXX total owed Please help me restore my number, and retrieve my refund from XXXX! 

Thank you in advance for any help you may offer. 

Sincerely, XXXX XXXX XXXX : Any Interested XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Mortgage

I have ( 2 ) VA XXXX Loans serviced by Carrington Mortgage Services. We were current on our loans prior to the GA Governor issuing a " stay at home '' order. I have requested Covid-19 assistance from the servicer with a 3 month forbearance multiple times. The requests were made XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have made the attestation that we have been impacted by the Virus as required by the Cares Act. They have charged late fees and are now requesting a 6 page application be submitted along with a tax return, paystubs, and bank statements to even consider offering any assistance.
Product: Checking or savings account

I received an envelope in the mail, showing that a savings account was opened in my name. The letter has my name and address and shows an active account in my name, however, I have NEVER done any business with Barclays. 

I did not open this account. 

I did not request to open this account.
Product: Debt collection

Between the dates of XXXX XXXX and XXXX XXXX of XXXX, I received XXXX calls on XX/XX/XXXX, XXXX and XX/XX/XXXX, and two calls a day on XX/XX/XXXX from Atlantic Recovery Solutions. The calls on XX/XX/XXXX were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX and XXXX. 

Voicemails were left on these calls, some that were near the end of a pre recorded message. 

I was previously coerced into a payment plan with ARS in XX/XX/XXXX after a threat for a lawsuit was made and my father was contacted by them in an attempt to locate me while I was at work. A payment was reversed before being debited from my account near the end of XX/XX/XXXX. My debit card was recently locked due to suspected fraud, and I am going to call Monday and see if it's in relation to dealing with ARS and find out why the payment wasn't drafted. 

The debt was initially to XXXX for a line of credit that went into collections some time prior to XXXX. 

The screenshots attached are of my call and voicemail logs taken on XX/XX/XXXX and my phone lists days instead of dates for the previous 7 days in my call history.
Product: Credit reporting or other personal consumer reports

The account is with : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all XXXX credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all XXXX on or about XX/XX/year>. All XXXX credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I XXXX XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint. 

All XXXX credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!
Product: Credit card or prepaid card

Back in XXXX i made 2 payments to Avant. The payment on XX/XX/XXXX has their reference number of XXXX for XXXX and the payment for XX/XX/XXXX has their reference number of XXXX. They are saying i missed a payment in XXXX. At the billing cycle ending XX/XX/XXXX my balance was XXXX. I made the XXXX payment on XX/XX/XXXX with my balance showing XXXX. 

I get a statement in XXXX saying i have a XXXX balance, The XXXX statement is saying there is a payment adjustment for XXXX so i have a new balance of XXXX. I called and they said they never got a payment for XXXX again but it clearly states i did with thier reference numbers and it was taken out of my bank. 

I emailed them for the situation and again they said they never received the payment. I refuse to pay when i have statements saying my balance is XXXX
Product: Student loan

The company handling my student loan is XXXX XXXX. On XX/XX/XXXX I decided to pay the debt in full. This amount of XXXX was verified by two separate people at the company. One of the representatives was XXXX XXXX. I did not catch the other representatives name. I was also assured this account would be closed and I would be receiving a letter that the debt was paid in full. I never received that letter and actually received a bill for XXXX. I contacted Ms. XXXX on XX/XX/XXXX at XXXX ( PST ). During this conversation she assured me that amount would fall off and it had only accumulated because they were waiting for the Department of Education to close the account. I was told she would follow up and I would be contacted by XXXX. I never heard from Mrs. XXXX and then tried to contact her XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I contacted her again. She answered and referred me to her supervisor XXXX XXXX. I explained the situation to Ms. XXXX. She claimed that amount had not caught up to the system when I was given the final payment amount. I told her that amount of XXXX was verified by two different people at her company. She apologized and stated I still owed the XXXX. I told her I wanted to pay it as long as that was the remainder of the loan and it would then be paid in full. She offered to take off the {$10.00} in fees and put it through as a settlement. I told her I did NOT want to do this, as I had already paid almost {$17000.00} and did not want it go through as a settlement and negatively affect my credit score.  She told me the amount showing in their system had a XXXX cent discrepancy with what was showing on the Department of Education and that she needed to get it adjusted, otherwise if it were not the exact amount it would not close the account. She assured me I would hear back from her by the end of the day. I did not hear from her. I made multiple attempts to contact her to resolve this matter on XX/XX/XXXX. I spoke with XXXX XXXX ( another supervisor ) who told me he could close out the account, even with the discrepancy. I explained Ms. XXXX stated that would not be possible and I would like to speak with her directly. He told me she was at lunch and assured me she would contact me. I have yet to be contacted. I keep getting the run around and all I want to do is pay the amount and close the account. It seems as though they would like to keep the account open to collect more money in interest in fees.