23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a Discover Credit card opened in XXXX. I have used this card up to $ XXXX charged and paid it down to {$0.00} - I used this card to establish credit and have maintained this account as my longest credit line since opened. I depend on the length of time with this account to maintain a nice XXXX credit score. I last paid this in full XX/XX/XXXX. Today, I logged into my discover account and saw the message " there is a lock on your credit account. please call us ''. I always have a lock on my credit report so no new accounts are opened fraudulently in my name. So this was not a shock. But, when I called I was told my XXXX yr account had been closed due to inactivity. I have historically used this card every few years and have never had an issue. The online activity I can see also shows XXXX balance XX/XX/XXXX. I was told that I can reapply for a new card, but that they could not reopen it. I am not having a new credit inquiry hit my report, nor am I scrapping XXXX  years of good credit history. They claim they sent me a letter, but I do not recall receiving it - I truly would never have let this account close as it is important for my credit health.
Product: Student loan

I am currently paying 2 loans. 
My Student Signature loan has a current balance of {$28000.00} and 10.5 % interest. The loan was disbursed almost 20 years ago on XX/XX/XXXXXXXX The original principal was {$22000.00}, and the total accrued interest is {$38000.00}. 
My other loan ( Tuition Answer ) has a current balance of {$8400.00} and 11 % interest. The disbursement date was on XX/XX/XXXX. The original principal was {$11000.00}, and total interest accrued is {$15000.00}. It has been about 20 years, and I owe more than the original loans ( and the amount of interest accrued on both loans are more than the actual loans ). The original lender was Sallie Mae ( now Navient ), and another company is soon to take over. They have been sued for various reasons including misleading borrowers, overcharging, etc. I myself have been steered into forebearance numerous times. I feel like I am a victim with never ending unfair payments, and I should have been part of the loan forgiveness.
Product: Debt collection

I have paid over 85 % of the debt, and I have contacted CONSERVE several times asking that the remainder of the debt be discharged and have my credit report updated. However, I have not heard anything back from them.
Product: Credit reporting or other personal consumer reports

I am theliving man, executor, beneficiary of XXXX XXXX. It has come to my attention that althoughI have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Original Creditor : XXXX XXXX NUMBER : XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 

Original Creditor : XXXX Account Number : XXXX Please Remove account. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 

UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Product: Debt collection

I got a Loan for {$500.00} from XXXX XXXX in XXXX. It was not totally paid. In XXXX, NCA put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.
Product: Mortgage

Forgery of Mortgage-Related Documents : The defendants forged my signature on critical mortgage documents, including assignments of deeds of trust and promissory notes, without my knowledge or consent. This constitutes forgery under California Penal Code 470 and federal law.

Fraudulent Foreclosure Notices : The defendants sent foreclosure notices via the U.S. Postal Service based on fraudulent documentation, constituting mail fraud under 18 U.S.C. 1341.

Failure to Respond to RESPA Requests : I submitted Qualified Written Requests ( QWRs ) under the Real Estate Settlement Procedures Act ( RESPA ) seeking information about the servicing of my mortgage. The defendants failed to provide complete and timely responses, obstructing my ability to resolve discrepancies. 
Dual Tracking Practices : The defendants unlawfully pursued foreclosure proceedings while simultaneously negotiating loan modifications with me, violating Californias Homeowner Bill of Rights ( HBOR ).

Misrepresentation and Deceptive Practices : The defendants engaged in deceptive practices by misrepresenting the amount of debt owed and failing to verify the debt upon request, violating the Fair Debt Collection Practices Act ( FDCPA ). 
Robo-Signing : The defendants engaged in " robo-signing '' practices, signing documents en masse without verifying their accuracy or legality, constituting fraud under state and federal laws. 
Failure to Disclose Material Facts : The defendants failed to disclose critical information about the securitization of my mortgage, violating securities fraud statutes under 15 U.S.C. 78j ( b ).

Money Laundering and Racketeering : The proceeds from the fraudulent foreclosure were transferred through various accounts to conceal the origin of funds, violating 18 U.S.C. 1956. These actions also constitute racketeering under the Racketeer Influenced and Corrupt Organizations Act ( RICO ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following credit bureaus : Equifax XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Equifax XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
US DEPT ED Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX  Bankruptcy Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from my credit report.
Product: Debt collection

This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address.
Product: Credit card or prepaid card

My Mile stone card was used through my XXXX account. Since the charges was not me they refunded the money. However ; they later said that paypal confirmed it was me. I checked with XXXX and they said that it is not true and that my credit card company reported that they reimbursed me the charges. The credit card compant keeps saying XXXX said it was me. However ; I let XXXX know that it was not me and they also reported that they could not get intouch with the compant that I said purchased something from them and nothing was mailed to me. I have called the credit card company several times and get a non english speak or the phone hangs up. I confirmed with a rep that they never verified to the credit card company that this was me. This credit card company is completing theft by deception. 

Below is what XXXX has on file Case status : Under review We were notified by your financial institution that you filed a case for a payment made on XX/XX/2023 at XXXXXXXX XXXX EDT. 

There is no action needed from you as we review this case. Contact your financial institution directly if you want to cancel this case or need more details.
Product: Mortgage

Wells Fargo Home mortgage is my mortgage company, it is more than a year ( 16 months ) i am trying to do loan modification, in order to reduce reason able payment to pay the monthly mortgage payment, they ask me to provide all my income like, W2, two years tax returns, bank statements and transcript of Tax return ( 4506-T ) several times, they always said we didn't receive the documents but i have fax confirmation, all the documents i send them. Finally all the effort and aggravation and time I spent went in vain, they refused and denied my loan mod, not on income base but other Merritt ( five years they can not do my loan mod ). I am hundred percent qualify by in come wise. I have humbly request to you please help me out to get the documents I am requesting to get from wells Fargo, the document I want from them are dispute of debt and validation of debt, Tila request, request for accounting. 
I sincerely, appreciate your help and support in this matter, because i no want to loose roof from my families head and go to no where. 

Sincerely, Yours XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan 2017 at Covington credit I told them I am going through a financial hardship they was harassing me at my job acting like a debit collector also calling my references after I told them not too constant phone calls rude calls at that. I told them to stop calling my job looking for me and stop calling my references the young lady told me if I would answer my phone she wouldnt have too do that and hung up. I got a call yesterday XX/XX/XXXX. Didnt answer my phone because already told them to report to my credit report and I will make the payments like that so it was no need for me to answer my phone. Now with the pandemic going on how will I make the payments now. I have pleaded with them too stop calling me and my job and my references. Thank you
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A client of mine sent me an email with a link to payment made through an app called XXXX. In order to receive the funds, {$1500.00}, I had to enroll in their system as my bank, XXXX, was not a part of the system. After two hours of trying to use their app which is rated a one star for obvious reasons, I contacted support and the tech person said my phone signal was n't strong enough. Of course, that is nonsense. This service is a scam and I can not receive payment through them. I have the email from my client and a file number ( XXXX ) from XXXX regarding this issue. Please close them down. A search of the net will provide sufficient evidence of their malfeasance.
Product: Prepaid card

On XXXX/2017 I was admitted to the hospital with a XXXX. for the next 2 days I was very much out of it not even knowing what day it was or what was going on around me from all the XXXX I was given. was released on XXXX/2017 around XXXX. When I got home and realized I could n't find my debit card I right away called customer service reported it stolen and told them ( I have a Netspend prepaid card ). I had the card cancelled and a filed a dispute over the transactions that had occurred during my hospital stay. I was told 7-10 business days. So I waited. This past Tues XXXX I called Netspend to check the status and was only then told that a letter stating the claim # and Ref # and all charges being disputed had to be submitted. I sent the letter as requested. On the 10th business day which was Friday XXXX/2017 I again spoke to customer service they were not very helpful so I asked for manager. I explained the situation again and he looked over my file. He said that no provisional credit would be loaded to my account because their dispute dept. had decided that I had benefited from these transactions. I am out XXXX and have had to make multiple calls and been put on hold for long periods of time. I was never asked for any other documentation except the dispute for letter with the dates and claim #. On Friday XXXX/XXXX/2017 in late evening I received a response stating no provisional credit would be applied to my account. I again called and s poke to manager who sent an e-mail to that departed requesting the reason and what documents did they base this denial on. I ask how could they deny something like that when I was admitted thru the ER not even knowing what day it was. I have been a netspend customer for several years. I have never filed a dispute before. This has been such a hardship on me that when I was released on XXXX/2017 and learned of my card which only made things worse as I was released in the am of the XXXX and ended up being readmitted. I asked how I could have benefited from these unauthorized transactions seeing as I did n't even know what day it was nor could I have been at any of the locations where my card was used. The manager did not have an answer for me. I have never been treated in a way that has made me feel insignificant. The cameras at the ATM s will clearly show that I was not the one removing money from my acct. I am beginning for some help with this issue. The are FDIC insured which is set up that way specifically to help customer If these things happen to their money to protect their money I would like some help resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX, XXXX. 
Account number : 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
Product: Money transfer, virtual currency, or money service

Cashapp account opened about a week ago. My account had reached the sending max, so it was on hold for a week to send payments. I didnt choose to receive a card in the mail for this account and I believe that was the invitation for cashapp to take my money. Upon trying to log in to the cashapp account, I received a message that my email address could not be verified, the email that had worked fine for the time period that the account was active. I contacted customer service where I only had the option to create a new account to get through to customer service. I was told that parts of the information I gave to recover the account was incorrect, but no specific details on which parts. There are no live reps for cashapp so everything has been via email. The responses are generic and prompted. I received no help in recovering my funds and when I asked since I had to use my social to verify the account if it could be used to get everything settled or if they could just send a card to the address on file so that I could take my money out, those questions went unanswered by 2 virtual ( robot representatives ). I asked numerous times. No anawer. I was then told that my case was being closed ( on day 1 ) because I couldnt provide the parts of the information that could not be verified. My money is in limbo and I fear that cashapp has no intentions of giving it back. I dont even know if Im talking to a real person or if Im just getting responses via auto reply because Ive given every piece of info they could possibly want and they wont budge. This is theft an I will not stop until I get my money back!! Cashapp has multiple reviews on these kinds of instances. The account went from verified to mysteriously not able to match information and none of this was my doing. I want to know WHERE my money is, I want to know HOW long its going to take to get it back. I want to know WHY my account suddenly became property of cashapp.
Product: Bank account or service

I used my Chase Visa Debit card to pay for several purchases in XXXX on XX/XX/2016. The bank, without my knowledge or consent, charged me exchange rate " fees '' totaling {$4.00} for the privilege of using my card outside the country. These fees were both misleading and deceptive as I never agreed to them and would not have used the card had I known in advance. Chase has refused to amend the situation and reverse the charges, stating that they do n't have the " authority '' or ability to give me a credit and told me I should have contacted them prior to my trip so I could turn on a notification regarding those charges. Chase NEVER communicated any of these things to me prior to my trip and, frankly, I do n't know how many people call their bank before taking a trip nor should they be required to. The fees are misleading and fraudulent and I want them removed immediately.
Product: Debt collection

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this an attempt to extort and rob me, personally, my family, and my household.. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX  has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE EQUIFAX BREECH .I had XXXX inquires as of XX/XX/XXXX -XX/XX/XXXX all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF