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

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

equifax reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!
Product: Money transfer, virtual currency, or money service

I am filling 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 do 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 reporting or other personal consumer reports

I have contacted Jefferson Capital LLC about the collection account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my persistent and unsuccessful attempts to dispute fraudulent items on my credit report. Despite numerous efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The fraudulent items I am disputing are as follows : 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 XXXXXX/XX/2022 I have taken the following actions to address this issue : I initiated my first dispute with your bureau, providing all the necessary documentation to support my claims, including detailed explanations of the fraudulent nature of these items.

Subsequently, I followed up to check on the status of my dispute and request updates on the investigation.

Despite my repeated attempts to rectify this situation, the fraudulent items remain on my credit report, causing severe financial distress and harming my creditworthiness.

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is of utmost importance that my credit report reflects my financial history accurately and that these fraudulent entries are promptly removed.

I kindly request that you take immediate action to investigate and resolve this issue by removing the fraudulent items from my credit report. Timely resolution of this matter is crucial for my financial stability. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including previous dispute correspondence, supporting evidence, and any additional documentation requested during previous disputes.
Product: Credit reporting or other personal consumer reports

Dear CFPB, There are XXXX problems here : 1 ) I am in the process of purchasing a house and the underwriter has flagged XXXX outstanding loans due to student loans. One in the amount of $ XXXX from Mohela which I have recently received a letter ( XX/XX/year> ) from XXXX XXXX XXXX and DoE  confirming that I have made over XXXX qualifying payments and that my loan service provider has 30 days to discharge which I have been informed will likely not happen within this time. Our underwriter informed me that there is also a DoE Missouri loan of $ XXXX which I have no idea what that is and am worried that my student loans are being reflected XXXX times and now showing that I am carrying a debt burden in the excess of {$150000.00}. This is inaccurate and should only reflect the debt of Mohela which is set to be forgiven by XX/XX/year> according to federal aid 's correspondence with me. Similarly, the figures that are on my mohela portal do not match what is being reported. 
From the under writer : " Missouri XXXX XXXX unpaid balance {$81000.00} Mohela / Dept of Ed unpaid balance {$78000.00} XXXX ) The second issue is that federal aid had me in forbearance while my student loan payments were being processed. Which they now have been. I have just received an updated information stating that I need to start to re-pay again, which is confusing as the correspondence indicates the opposite and in fact that I am owed money as I overpaid. I was told to submit a XXXX form ( just this year ) requesting forbearance. 

Further challenges is that there is no number to directly call Mohela requiring you to call Federal aid and they can transfer you to Mohela but they said they can not give the phone number to be in contact with them directly. 

Thank you for any assistance in these matters.
Product: Student loan

For the past 10+ years since graduating from XXXX I have inquired to Navient ( previously servicing as SallieMae ) as to having my aunt removed as co-signor to my student loans. I was initially told that I needed two years of payments to qualify for co-signor release. I asked over multiple calls if these could be through any type of payment plan and was assured any type qualified. After making interest only payments ( while in XXXX  school ) I applied for co-signor release and was then told only interest and principal payments qualified. I then spent another two years making payments and re-applied for co-signor release. I the received a notice that not all my payments over the previous 24 months were timely. When I reviewed the payment history, the few payments indicated as received after the due date were all within 1-2 days after some of which included occasions when the due date fell on a weekend. I continued making payments, ensuring each was received prior to the due date and re-applied 2 additional times for the release. Each time I received a reply that my credit does not meet their criteria. My current yearly income exceeds my current student loan balance and my household income which includes my husbands income is nearly triple my student loan balance. I last applied for co-signor release in XXXX and XX/XX/2018 ( fax confirmations attached ). Each time I received NO response from Navient despite a hard credit inquiry in XX/XX/2018 ( credit bureau item attached ). After years of timely payments and sufficient income I should no longer be required to maintain a co-signor for my loans so that my aunt, who graciously co-signed the student loans of a young XXXX student nearly 15 years ago, no longer has to be impacted by these loans that I have proven to be fully responsible for and capable of repaying.
Product: Credit reporting

I have already received my credit report from Trans Union. I disputed XXXX incorrect addresses showing on my Trans Union report. They removed XXXX but not the other. I filled out a form and mailed to them to remove the XXXX address *that i had already requested* no response, no correction. I am now trying to view online and start a dispute, AGAIN, over the SAME 1st request. Now Trans Union says credit reports are not available at this time. This credit agency is a farce.
Product: Credit reporting or other personal consumer reports

in XXXX the city of XXXX XXXX old firehouse property which the buildings department did not maintain fell into my property damaging it. I informed the mortgage company and made a claim with the insurance company they obtained for my property for me. The insurance company did not honor the insurance policy for the claim against the City of XXXX XXXX and I took the City of XXXX XXXX to court. The city lost and were found guilty of XXXX  onto my property. During that time the building XXXX illegally tore my house down during litigation and destroyed the evidence. The insurance company did not honor that claim as well for malicious vandalism. The mortgage company knew I was in litigation with the XXXX of XXXX XXXX yet still submitted to credit reporting companies that I had late payments and put negative remarks on my credit report. I have asked repeatedly that they take those remarks and reports off my credit report but they have ignored me. They illegally foreclosed on the property taking me to court without notification of court date so I could come and have my judicial rights. Now that they foreclosed on the property it has been more than 60 days since judgement and they are still sending me mortgage payments and making negative reports against my credit. The foreclosure occurred in XXXX. I tried many ways to rectify this but keep getting blown off and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on, but I did n't r'cve information pertaining to my dispute as requested. 

I was told that the public records Bankruptcy and Tax Lien ( which reports on my credit report inaccurately XXXX were verified through a third party company but I did n't rcve the third party companies information. I called the court listed and I was told that they do not have information on me in regards to these two public records and if they did, they would not release this information to a third party due to violation of my hippa rights. I contacted XXXX, because this is who the other two reporting agency say they were verifying through, but as with them, XXXX advised me that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that TransUnion is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report Kia finance reported a late payment in XX/XX/2019 as well as XX/XX/2019. Neither of those months I was late. I contacted the company in XX/XX/XXXX about setting up an auto pay. XX/XX/XXXX the auto payments began. I asked over the phone in XX/XX/XXXXif missing XX/XX/XXXX would be ok, or effect anything and she told me no. Ive contacted Kia and they reported the only way to resolve this matter is submitting a written request. I submitted but was told it usually takes up to 30 days processing time. I also contacted the company back in XX/XX/XXXX to ask why and was given money back, as well as hung up on by multiple representatives. With no answers as to why they are saying Im late. And no answer why they gave me money back. When I was told to pay XX/XX/XXXX bill I paid it as soon as I found out. I was never contacted about a missed payment even though I had been to a Kia building to get service done I still was never told. My contact info was not up to date even though most companies verify up to date info when you call them. I was never late in either XX/XX/XXXX or XX/XX/XXXX.  And this has negatively impacted my life through my credit score dropping dramatically.
Product: Vehicle loan or lease

I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Santander was sued for giving low-income people loans and then finding a way to cancel the loan for repossession. This complaint is attached to complaint number XXXX. I financed a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me. I never made a payment because I contacted both XXXX XXXX and Santander Consumer to let them know the transmission was slipping in this vehicle. I was not obligated to make a payment on a vehicle that was sold to me without informing me of the problems. After the vehicle was repossessed, I was not able to obtain my personal belongings, but furthermore Santander Consumer failed to give me notice of the auction-according to the FTC rules . I would like to see the certified letter that was mailed to me before I obtain legal counsel.
Product: Credit card or prepaid card

On XX/XX/XXXX I received my social security check thru direct express and when I checked the balance its lower than I expected. I checked the transactions and found out that there is a pending transaction of XXXX that I did not recognized, I called direct express and disputed the charge and told them not to pay, they said they will cancel the card so it cant be use and replaced with a new one. I went thru my account with direct Exoress customer service and found out that a merchant had been charging my acct ever month for the part 12 months on the day that I received my check. The customer service help me file the dispute and said I will sign a form that she is going to send and mail it back within 10 days. I did not get the form on the XXXX day. Anyway I called them before that and they it was already sent and just XXXX it back once you get it which I did. I called direct express 2 days later and they said that my dispute is denied .I argued with them because it looks like that they did not do an investigation but analyze it based on their form. 
I research and found out about the merchant and called them, I told them that I did not authorized those charges and they said they will refund the money and the customer service was doing that while talking to me and he said that it is not going through. I said because the old card was cancelled but I have a replacement card. They can only refund on the card they took money from and asked me to call direct express to temporarily reactivate the card. I called direct express and told them that even if you denied my dispute the merchant is willing to payback but on the card that was already cancelled, direct Exoress said dont worry the refund will go to the new card just tell the merchant that it will go through. So I called the merchant and told them what direct Exoress told me. The merchant and myself tried.to call direct express but the wait time is over 30 minutes. I called direct Exoress and asked them if we can do a conference call but they said they do call merchants instead they asked me to call merchant and asked for a letter that they will refund money and fax it to direct express. He gave me a fax that is not working. I called direct express so many times and is transferred to other departments and they said they will not reactivate temporarily the old card! I called merchant too so many times and asked them to refund in the new card if send me a check but they said they can only refund in the old card. Please help me get my refund. 

Thanks XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an issue with my insurance company in lat XXXX and early XXXX. I had XXXX bills that were not paid and were sent to collection. I communicated with Armada and let them know the insurance would be paying. In the process of me getting it all worked out they started trying to garnish my wages. The insurance company did pay most of the debt in febuary directly to the hospital and I did not hear from Armada again until XXXX. Now they have added more interest, more legal fees and have not taken the bills of that were paid or reduced the ones that were partially paid. I contacted XXXX at Armada in XXXX Washington and she refused to help me. She stated that I am responsible for the amount and the interest and she refused to help me. XXXX has a personal problem with me and said they have legal documents and would not help me. Armada also has attempted to collect this in the past and they know because of my child support garnishment they are unable to garnish my wages. She is doing this now just to rack up fees on the account and she well knows my situation from the last time before the insurance paid the bills. I was also not notified by the original creditor or armada about any remaining balance and Armada does not want to acknowledge the bills were paid by insurance. This company is know locally for dishonest tactics and now will not even answer my phone calls. Armada has also falsely reported the collection on my credit report causing my score to drop and affecting the interest rate of my last loan.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Inquiry on my credit report does not belong to me. 
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
Product: Debt collection

I am a victim of identity theft and I am requesting for Navy Federal Credit Union to remove and delete these fraudulent accounts from my XXXX and XXXX Credit files immediately I did not benefits from any goods or services of these fraudulent accounts. Someone opened up these fraudulent accounts in my name without my consent. 

Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I have attached a copy of my police report to this correspondence. 

Please delete and remove these fraudulent accounts from my XXXX and XXXX credit files immediately or legal actions will be taken against Navy Federal Credit Union : 1. NAVY FEDERAL CR UNION Account number : # XXXX Balance : {$1100.00} Date opened : XX/XX/2016 2. NAVY FEDERAL CR UNION Account number # : XXXX Date opened : XX/XX/2016 Balance : {$5200.00}
Product: Mortgage

I recently had to sue my insurance company for not paying out for damages in a timely manner. We finally settled and they issued a settlement check but put the mortgage company 's name on the check as well. Now the mortgage company, Freedom Mortgage, is not releasing all the funds to me. I keep explaining to them that this is a settlement check and not a check for repairs. They are insisting that I provided all sorts of additional documentation, including a home inspection inorder to release the funds. My attorney and myself have called multiple times and they will not release the full amount of my settlement check.
Product: Checking or savings account

Citizens has continually locked me out of my online banking account ... I made a complaint previously COMPLAINT ID XXXX on XX/XX/2022. At that time Citizens convinced you that the issue had been resolved however I've continued to have the issue. As I type this, I remain on hold for an hour after talking to multiple departments who tell me that they can see my account is locked but can't tell my how it happened or what needs to be done to correct it. It is not unreasonable for me to ask that I have reasonable access to my account information and if that is not provided that I get a resolution that doesn't require hours of my time for their mistake. I am in the process of leaving due to this issue but the fact that this is allowed to go on with no repercussion is completely unacceptable.