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

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am XXXX this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$130.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} CXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$130.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00}
Product: Mortgage

I applied for a HELOC from Navy Federal Credit Union, The loan officer constantly asked me questions about information that was not on any of my credit reports and was over seven years ago. I believe the denial was based on unfair and discriminatory practices. I believe the decision was based on my race and nothing else. I have excellent credit, my home is paid off, and I have a good paying job. It should not be any reason why I was denied.
Product: Credit card or prepaid card

Had {$2500.00} deposited into the account and then the next day the balance was {$1.00}. Someone had hacked into my account and charged items that I didn't approve or know about. 
The money was recovered and is in my account but Discover debit card company will not let me have the money for 90 days. This money was for a very important transaction that needed to be made. 
I have requested many times for a statement to be mailed to me as I can no longer login. I only know about the money is everyday I get a text message stating how much money is in the account. 
Discover makes you hold on the phone for up to 2 hours and then says that it is the wrong department and puts you on hold again. 
Please check on this as I REALLY need that money. 
Thanks, XXXX XXXX XXXX
Product: Student loan

I financed {$28000.00} through Navient ( previously XXXX XXXX ) with disbursement date of XXXX/XXXX/XXXX. Interest rate at 10.250 % I 've been contacting the company inquiring why my balance is still the same as it was when I began payments in XXXX. I 've gotten nowhere with them with regard to detailed explanation. 
As of XXXX/XXXX/XXXX, my balance was still {$28000.00} which makes no sense to me. 
On XXXX/XXXX/XXXX, I refinanced the loan through navient to get a lower interest rate of 6.350 %. 
My payments through navient on this private loan do not seem to have been allocated properly. Please help as I do n't know what else to do. I 've been paying for 8 years on this loan and I do n't understand why the balance remains the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my report that is from a debt over 8 years ago that a collection agency is reporting in 2020its a medical debt that I don't recognize, nothing has been, I explained this to XXXX law and they have done nothing plus the debt collector refuses to send docs proving debt
Product: Credit reporting or other personal consumer reports

Dates XXXX - XXXX Stolen identity
Product: Mortgage

I was told on a recorded line that this refinance will Be the best deal Ill ever get! And the original owed principal Will not change! IT DID!!! They lied and coerced me into going ahead with the refinancing! I went from owing {$91000.00} to owing {$100000.00} in principle. It looks like they added the escrow into the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.
Product: Mortgage

We started a loan modification with XXXXXXXX XXXX XXXX  We will post to make three payments for XXXX, XXXX, and XXXX of {$1500.00} and send it to them and they will send it to the mortgage company. I looked into my mortgage company and saw that they never sent the money to them. I received a letter from HUD home, saying that we can start tenancy with them like they bought the house, so we were scammed from XXXX XXXX XXXX of {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card just sold my personal information, they had from a deleted account. They sold my information to XXXX XXXX XXXX. This is the beginning of more harassment and intimidation via constant phone calls from XXXX XXXX XXXX who wants me to tell them my name and info or they will continue intimidation tactics like unlawfully reporting old deleted accounts. Discover card has not provided me with a 1099C has requested, nor have them shown a contract between the name XXXX XXXX AND DISCOVER CARD. They are essentially selling my name, address, and social security number, and keeping my personal information as a asset for life, continuously selling old accounts to debt buyers, without providing anyone with a 1099c showing the debt was discharged almost 2 yrs prior. I am seeking damages for violations of the Fair Credit Reporting Act, Fair Debt Practices Act, and The Fair Credit Billing Act.
Product: Credit card or prepaid card

I made a credit card ( ending in XXXX ) purchase with XXXX XXXX {$2500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX, Capital One refunded this {$2500.00} per my request. On XX/XX/XXXX, XXXX, refunded the {$2500.00} back to my credit card account. On XX/XX/XXXX, Capital One made a credit adjustment to my account in the amount of - {$2400.00}. As a result, my reward balance reflects - {$30.00}. This is an unfair use of my rewards due to the fact that ( 1 ) I did not redeem my rewards and this has resulted in me ( 2 ) starting at a negative rewards balance. I reached out to Capital One, several times last week to resolve this issue. As of this date, the issue is not resolved. My resolution would be to adjust my reward balance to reflect accurate reward activity versus a negative balance due to the above.
Product: Credit card

On the XXXX of XX/XX/2021, I buy two pairs of shoes in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX, for the amount of {$220.00}, when it was processed the first time it was declined. I was told to go to another terminal where the original transaction was completed. The XXXX of XXXX to my surprise I received my bank statement which shows the original transaction of XX/XX/XXXX and another on XX/XX/XXXX for the same amount of {$220.00}. I went to the store, and they told me I have to claim at the bank, First Bank of Puerto Rico. I went to the bank, and they do not recognize that I was charged two times, a duplicate charge.
Product: Debt collection

In XX/XX/XXXX, I closed out my account with XXXX XXXX which I had an account with for many years using their internet service. However, at some point i decided to leave XXXX and asked for a final bill. The final bill came with cost stating I owed them {$110.00} dollars to close out the account. I disputed this amount based on my last bill prior to closing out this account with number XXXX. 

XXXX telephone number - XXXX After not receiving a new and final bill all this time at least over the last 18 months I finally get a debt collector sending me a final bill which only meant they decided without prior notice to send this to a debt collector. I received a letter in the mail from the collector called Southwest Credit located in XXXX, TX Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Creditor : XXXX Southwest Reference number - XXXX Offered Amount to close account {$77.00} Today, XX/XX/XXXX. I called and spoke with Southwest credit about attempting to undermine my credit and leave a negative impact on my credit report. I also contacted XXXX with the same thought process. 

It is my intention to not have this affect my credit negatively and I want both to close out this account. 

I want XXXX to contact the credit bureaus and clear up this matter with all 3 active credit reporting agencies. 

Upon receipt of my check for the full amount to resolve this debt. Within the time frame of no less than 15 days. Or the next reporting date. 

I want XXXX and Southwest Credit to send me validation that this matter is closed and my credit report has been cleared. Not just " stated paid '' I want it removed.
Product: Checking or savings account

I requested that Cashapp explain why I can no longer deposit paper money and they said they reviewed my account and I no longer have access to that feature but could not explain why to me. The customer service rep forced me off the call and closed my complaint without explaination.
Product: Bank account or service

I made a payment to my XXXX credit card account that is managed by Wells Fargo. I used their automated telephone payment service and paid {$75.00}. Wells Fargo debited {$770.00} as opposed to the payment amount of {$75.00} which I normally pay. I called Wells Fargo this morning when it showed up on my bank account, depleting my funds, and they informed me I would have to wait 30 days to get the {$700.00} overcharge back into my bank account. I told them it was going to make me broke and they offered no quicker of a solution.
Product: Debt collection

This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Product: Mortgage

I am a XXXX year old widowed XXXX senior citizen who is not only a " Victim of Predatory Lending '' since 2007, but I believe that my " Civil Rights '' have been violated according to the 13th & 14th Amendments of the U.S. Constitution & Certain Congressional Acts, especially applied to an " Individual '' or a " Minority ''. Each year nearly One Million Loans are made with " unreasonable terms '' & " abusively high lending fees ''. The Elderly 's property wind up in Foreclosure, because the institutions know that they can not afford this in the first place! I have been told by Attorney 's at the XXXX Supreme Court house that it is in fact " Predatory Lending ''. I have proof if you need it!
I have submitted with the help of my niece over 25-50 Loan Modifications to the different agencies that were chosen to collect from the Original Mortgage Company, American Dream Mortgage Bankers , Inc. Each one was denied because I could n't afford the payment. The servicing company at this time is Bayview Loan Servicing , LLC. Please note that I am in the process of yet another loan modification that was requested from them and received by my niece on XX/XX/XXXX( please note that my niece receives all the necessary paper work, because I can not do what needs to be done ).
I recently found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has the original note.
How is this possible that Banking Institutions can get away with this Injustice? It has been 10 years that I 've been fighting to keep my home, why is n't anything being done to help me? All I keep hearing is " You can not Afford this '' ... .of course I ca n't, I could n't afford this in the first place. Unfortunately, for me it was the first time that I had to handle business shortly after my husband passed.
I have sent copies of my latest " Hardship Letter '' to the Honorable Donald J. Trump USA, The US Dept. of Justice, Civil Rights Division, The Honorable XXXX XXXX, XXXX XXXX, XXXX XXXX, The US Dept. of Urban Development, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I now owe on top of my 520.000.00 Mortgage {$350000.00} in late fees. I only receive SS & Veterans Pension for Husband. I have two tenants that lease the 1st & 2nd floor apartments. Please help me resolve this issue once and for all. I am sure there are millions of Seniors in the same place, maybe we should start a " Class Action Suit ''?
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws Description of the Issue : I am a victim of identity theft, directly resulting from the XXXX XXXX XXXX in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information.

Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 


Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC.

o FTC Identity Theft Report Number : XXXX XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX XXXX XXXX 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

XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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

Citibank has called me before XXXX on XX/XX/XXXX and XX/XX/XXXX from number XXXX. They are also calling XXXX to XXXX per day from XXXX and the number ending in XXXX. The constant calls started on XX/XX/XXXX and have continued throughout the month. The harrassing calls have now escalated to calling before XXXX multiple times. I read on the XXXX rule, and they have definitely exceeded the number of calls that should be made. Please investigate and fine the company, to prevent this harassing behavior from continuing.
Product: Debt collection

In 2019 I received a bill from the original creditor and I thought nothing of it so I paid like anyone who has credit should. A few months later, I realized that what I was paying, was not mines. I had no idea what I was paying for, there was no cash advance, no description of a purchase I made, so I stopped paying. Because of that, this creditor has damaged my credit score, put me through severe financial ruin because the drop in my credit score over this. And when I request proof from portfolio, they send me documents that do not explain what the charges are for. When I mailed portfolio a letter, requesting information to verify and validate the account. This is all that they send me. They do not send me the receipts like I requested they do not send me the description of what was even purchased. They failed to send me proper documentation of what any of this stuff means. Because all that they are sending me is A paper with a transaction date with XXXX fees, and the name of the purchases are regular and the other XXXX is payments for XXXX months and the other is payments for XXXX months as well with a total of {$500.00}. There is absolutely no description for what these charges are for and for what they even mean.
Product: Money transfer, virtual currency, or money service

Description of the Issue : XX/XX/year>, I processed my first transaction using Square, a payment processor, under my business, XXXX XXXX XXXX XXXX. The transaction totaled {$1900.00}, which included a customer-authorized tip of {$250.00}. Shortly after the transaction was completed, Square deactivated my account on the XXXX and informed me that the funds would be held for 90 days due to unusual activity. Square also deducted a {$68.00} processing fee from the transaction before withholding my funds. 

Reason for Complaint : Squares reasoning for holding my funds is baseless and unreasonable. A tip of {$250.00} is not unusual for a customer in XXXX XXXX, a city where generous tipping is common due to the high cost of living and industry norms. Furthermore, Square allowed the transaction to proceed and collected their processing fee before flagging the account, which raises concerns about their internal practices. 

As a small business owner, these funds are essential for my operations. Squares actions have caused significant financial strain and disrupted my ability to run my business effectively. At no point during onboarding or in Squares terms of service was I informed that legitimate transactions could result in account deactivation and prolonged withholding of earnings. 

I did not agree to become an accommodation party for Square, and their retention of my funds appears to serve their own financial interests, potentially as an asset on their books or for investment purposes.

Harm Caused : Financial Hardship : Withholding nearly {$2000.00} in funds has negatively impacted my business operations and cash flow.

Lack of Transparency : Square failed to provide clear and consistent communication regarding the deactivation and withholding process. 
Unfair Practices : Squares decision to approve the transaction, deduct their fee, and hold my funds without prior review demonstrates a lack of due diligence on their part.