23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2020 - I was notified by the XXXX XXXX U. S. Bank branch that a woman in XXXX  was standing in their branch impersonating me. She stole {$1500.00} from my savings account. The suspect was not stopped by the branch and police were never called by the branch. I live in XXXX. I filed all the necessary fraud paperwork per U. S. Bank rules. I submitted it to their fraud dept and to both my local branch and the branch where the crime occurred. I contact both police depts and filed reports. U. S. Bank is now refusing to give me my money back. I worked so hard to earn my money. How can they victimize me again and steal my money. Is it legal for them to refuse to give me my money? Help me please!!!!! I have bills to pay.
Product: Mortgage

My wife and I were laid off Due to Covid Last XX/XX/XXXX and Select Portfolio Servicing is unwilling to work with us to save our home from foreclosure on XX/XX/XXXX. This is a XXXX Loan ( ( ( - XXXX XXXX XXXX XXXX  XXXX, as Trustee for the benefit of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the owner of the account, and SPS is the mortgage servicer of the account. Contact information for the owner of the account is provided below : Office of the Trustee XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX ) ) I have had to hire XXXX XXXX XXXX XXXX to help and we are still getting nowhere. 
Called the other day to get the past amount due and the Customer Servicing Rep would Not Provide me the information. Why?? There is something wrong here with SPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian : The credit inquiry named XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

the company EQUIFAX It is reporting information that I do not recognize, therefore it is identity theft.This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Payday loan, title loan, or personal loan

On Saturday XXXX XXXX I Applied For A Personal Loan From Discover Bank. Upon Completion Of Application I was denied Credit Because of insufficent Income. I Called the bank and talked to XXXX. XXXX advised me theres Nothing He Can do But send it to headquarters. XXXX also stated i should Take Further action. I Also Made It Clear to XXXX from discover that i am currently on XXXX ( Social Security XXXX Survivors ) Goverment Assistance and by the Eoca It is illegal For a Company To Deny a application of any sorts based on income if from a Goverment program Or SSA. and am requesting since that was the only reason stated at time of denial. I Be approved For the loan and treated rightfully by discover bank and Remidate the situation by approving me for tge loan.
Product: Debt collection

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Santander. I filed for bankruptcy in XXXX  of XX/XX/2018and around the time of bankruptcy filing Santander removed the account all together from the credit reports. Santander was included in bankruptcy and now that my bankruptcy has been discharged all together Santander suddenly reappears on my credit reporting showing it as a charge off/action collection on XXXX XXXX, however, on other credit bureaus they are showing as included in bankruptcy with a zero balance.
Product: Student loan

MOHELA - Cash Loan : I am a cosigner. My daughter made a payment at 22 days past the due date on XXXX/XXXX/2016 via phone. I received a call at XXXX Central time today from MOHELA attempting to collect this debt. They did acknowledge that the payment was made on XXXX XXXX and that they could " see the payment in their system ''. However, they could not " verify '' that the payment was made which resulted in the phone call. I asked that they log my concerns regarding this call as a complaint. Loan was for my Daughters education at XXXX XXXX University , XXXX XXXX MO.
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 violates 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 process was unfair and deceptive as they did not comply with error. Resolution requirements under the electronic fund transfer act ( EFTA ), a regulation E. These actions have caused significant inconvenience in financial loss as seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have called both XXXX, XXXX to fix this issue. XXXX advised me to call XXXX, while XXXX told me to call the credit reporting agency myself to report it. This has been going on for almost a year. The documentation I have said the credit agency will be notified within 90 days of letter. I got the email last year in XXXX or XXXX. I need this removed. I have submitted a dispute with XXXX and all they do is just update the address and my payment status.
Product: Credit reporting or other personal consumer reports

Once again experian starts closing complaints without having addressed any of the issues which is NOW EXPERIAN HAS STOLEN 18 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Experian credit bureau to remove 5 inquiries from my report and it is now over 30 days and have not had any response to my request.
Product: Credit reporting or other personal consumer reports

Being a knowledgeable customer who is aware of the Fair Credit Reporting Act ( FCRA ), I am utilizing my rights as outlined in Sections 609 and 611 to dispute these errors and ask that they be fixed. 

I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there might be a detrimental effect on my well-established reputation for upholding perfect financial standing. 

My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Your prompt action to correct the errors on my credit report is crucial, as evidenced by the potential difficulties I may encounter when applying for credit. 

According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 

Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Do not hesitate to get in touch with me if you need any more details or explanation. For your time and anticipated cooperation, I thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX I faxed a cease and desist letter to the receivable management @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against the receivable management. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from the receivable management and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is further violating U.S Code 1681a and 1681b by continuing to furnish the fraudulent information after notice to remove items were given to furnisher. Furnisher is requesting further documentation from me as a consumer and commit more fraud instead of remedy the solution and abide by federal laws.
Product: Money transfer, virtual currency, or money service

I applied to PayPal Here Service provided by PayPal.com and I was denied. It is a credit card processing service. I called to inquire as why I was denied from using the service. 

The company stated that they could not provide the reason due to proprietary methods. I believe that credit decision or financial application system needs some oversight. If there is no transparent criteria then the company should not be offering the service or denying service. 

The basis of the denial may be bias or an illegal reason. 

Complaint about paypal.com From XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX Experian mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.
Product: Debt collection

I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information. 
They have stated I received notification, but can not prove when, nor show me documentation. 
I have NOT received anything of this nature and they have and several complaints of un fair practices reported. 

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.
Product: Credit reporting or other personal consumer reports

Nelnet and Department of Education have not reported accurate information to the Credit Bureaus. 

I received a letter from Nelnet on XX/XX/XXXX stating that my Federal Student loan balance was XXXX. 

As of today, XX/XX/XXXX XXXX, XXXX and XXXX are all seeing a balance of {$30000.00}. 

This has an effect on my credit score and needs to be reported. I've sent disputes to the agencies and awaiting response.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a self-attestation along with XXXX XXXX documentation to Equifax via the USPS and online, requesting the removal of adverse information from his credit file. On XX/XX/2023, Equifax responded via E-mail, requesting victim determination documentation confirming that I am a victim of XXXX XXXX, despite having already provided it in the initial submission. By requesting this Equifax is indirectly alleging the documentation received is impaired, which contradicts Regulation V 1022.142 ( e ) ( 4 ) explicitly prohibiting the decline or rescindment of any block of adverse information related to XXXX XXXX within 4 business days based on the validity of the submitted documentation. Equifax 's actions constitute a blatant violation of this regulation, a deprivation of rights which is a criminal offense, and are causing undue delay in XXXX 's rehabilitation, further exacerbating his injuries. 

Additional details are provide in the documents/ information regarding the verifiable validation of the XXXX who issued the Victims determination documentation, by the name of XXXX XXXX XXXX, who is a Governmental Taskforce member is being attached to this complaint.
Product: Credit card

On XX/XX/2023, I got an email from XXXX informing me they were transitioning their financial services from XXXX to Comenity Capital Bank. Then, on XX/XX/XXXX, another email arrived, mentioning a new payment setup. Although the email stated that a letter containing my account number had been sent in XXXX, I never received it. When I called the provided contact number, an automated message simply told me to await the arrival of this letter. Finally, on XX/XX/XXXX, the letter arrived. 

To my dismay, I found a {$29.00} late fee on my account. I consider this practice unfair and predatory. I never requested the shift from XXXX XXXX to Comenity, and I was not alerted about a late payment either. Instead, I received aggressive calls from Comenity, from a blocked number, attempting to collect a debt. It wasn't until today that I got an email identifying itself as from a " debt collector. '' This entire situation is highly predatory and unjust, and I believe it should be illegal. The bank should offer a XXXX day grace period for customers to receive these letters, particularly given the known inefficiencies of the USPS. While the letter lacks a sent date, it's the only correspondence I've received regarding this change. 

Now I find out my payment is due on the XXXX.
Product: Debt collection

C & F Mortgage Corporation and/or XXXX and XXXX Bank, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, XXXX XXXX C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 'XXXX attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.
Product: Mortgage

we where in folcluser with wells fargo we reached an agreement through the court and a magestrate to do modification on our loan, and one of the document in our agreement was the bank will autodraft from our acct 2 times a month the payment of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX wich they never did i tried for the longuest time to get them to do it and they say yes its done and all was a lie so in XX/XX/XXXX we made a XXXX XXXX XXXX dollar. to wells fargo and 2 month later still no payment drafted so we made XXXX payment to cutch up and same in XX/XX/XXXX no payment so we had to pay over 4000 to cutch up and they allways lying to me about seting up the auto draft even with court order and 2 days ago they field for forclusor im trying to save my house and they trying to steal it they had no intention of fixing the problem i have over 300 thousand in equity in my house and they trying to steal it from me and my kids every time i talk to them i spend over 2 hours on the phone and cant get no where and i do feel they have a problem with me personaly coz i have an accent when i speak, i do feel they are discriminating against me and i been us citizen for over 30 years. i dont know what i can do i need help with these thieves. they have no respect for the law they act like they are above the law or the law does not apply to them please help me save my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them and have clearly been a victim of identity theft ( or attempted ). I was told " sorry we don't dispute/delete hard inquires " these inquires are false and fraudulent. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of to many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones below.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Student loan

My daughters student loan is with Navient. My husband and I are paying it for her and have been sending in payments of {$300.00} per month with a note to put extra on the principle. I figured out that they ignore my notes and process mail in payments very slowly so they can get more interest. I then started to pay online. When I started, a page would come up to select that the extra not be paid forward. I did this twice, then all of a sudden, this page does not come up anymore. Their website is not consumer friendly. I continually have to write extra letters, trying to get them to do what is instructed. I just do not understand why they and other banks are allowed to put the burden on the consumers to write each time they want extra money to be applied to the principle. It used to be automatic. Please help me because the frustrations dealing with Navient is beyond belief. In fact, my daughter had to go through bankruptcy. They stopped sending invoices and my XXXX husband failed to pay ... this accrued an extra {$700.00}. in interest! In addition, the amount they take in interest is different all the time. It does not seem to matter if you pay early or on due date -- and it is not less if you do pay early! Even trying to find a way to email them on their website is close to impossible. Please help for me and many others. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory mark on credit file resolved with XXXX XXXX.
Product: Credit card or prepaid card

On or about XXXX XX/XX/2022 Goldman Sachs received a cashiers check XXXX from XXXX XXXX on behalf of Myself, XXXX XXXX XXXX and my Spouse XXXX XXXX XXXX for payment on are Apple XXXX accounts XXXX and XXXX. On XXXX XX/XX/2022 Goldman Sachs processed the check. As of today XXXX XX/XX/2022, the proceeds from that payment have not been applied to either of our accounts. I have spoken with Goldman Sachs on at least 4 different occasions regarding this issue. I have been told they are elevating this concern. In the interim I and my spouse have to continue making payments on accounts we have already paid in full.