23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been a   college student   since   XX/XX/XXXX . I attended a private college until  XX/XX/XXXX , and then in  XX/XX/XXXX   I started attending public universities- First was  XXXX  University  XXXX  There I received federal subsidized and unsubsidized loans without any problems. I beg an      XXXX   XXXX   at  XXXX   XXXX  University in   XX/XX/XXXX , a nd received  XXXX  PLUS loans unt il  XX/XX/XXXX . Aga in, no problems. For the past 2 years I have been attending     XXXX   XXXX     at  XXXX  University, and continued to receive  XXXX  PLUS loans with no problems.. UNTIL my servicer got switched to Navient. As soon as my loans got transferred from  XXXX   XXXX  to Navient, my financial aid was cut off, and loans immediately went into repayment. Navient claims that  XXXX  University borrowed too much money for me in   XX/XX/XXXX ,  and I have to consolidate my loans and begin repayment immediately. I am poor. I am  XXXX . I am a former   XXXX   XXXX   XXXX  . I do not have an income besides small  XXXX  payments  ( social security ). I do not have a family to fall ba ck on. I survive on my   XXXX    PLUS loans which pay for my cost of living. I was never given any notification, phone call, or email informing me there are any problem. I am about to be evicted, and I will be homeless on  the street in 1 w eek because of this problem Navient claims that no other servicer or university claimed. I am about to lose everything as a result of this claim  Navient  is making which there is no evidence of anywhere. Additionally, I am still enrolled in school full-time. Yet they have still put my loans into repayment. After doing some research, I have found Navient is being sued by th e U.S  XXXX  Consumer Financial Protection Bureau for doing similar things to other consumers. Add my story to the list of evidence against them. If you know how I can get help, please let me know.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

On XX/XX/XXXX around noon time I made a phone call to Rising upstart bank concerning a letter for repo on my vehicle. At the time we discussed a prior payment on XX/XX/XXXX and the total amount due to avoid the letter of repossession going into affect. Their agent told me all I need to do was make another payment and to total the amount requested on the letter of repossession. I went ahead and explained itd be hard for me to make that payment which was needed to be submitted before Tuesday the XXXX of XXXX. He assured me that if I could make that payment the truck wouldnt go up for repossession and all I would have to do is make up the current payment. I did everything possible to make enough money from the XXXX to the XXXX to be able to make that payment. The XXXX of XXXX I made the payment online and tried to contact the company for confirmation. I reached out on Saturday the XXXX via phone call multiple times with no prevail as I was calling with in the hours suggested by their voicemail. I reached out once again on Monday the XXXX to get sent straight to voicemail. Finally I reach back out on Tuesday the XXXX which conveniently was the final day on the repossession letter and I get a new agent on the line. As we go through the process of confirming I am the account holder I finally get to explain to the agent the situation and what the previous agent told me. When I asked if that information was correct I was told that the previous agent was incorrect and that my vehicle after XXXX that day would go up for repossession if I didnt pay an additional amount of money they were requesting. I asked if there was something they can do since the agent before them made a mistake and that I was unaware of this issue since the lack in of communication lasted 2 business day. They basically told me Im out of luck and that if I didnt make the payment that Tuesday the XXXX Id be losing my vehicle after that day. I asked if an exception could be made since I was misinformed by the previous agent and I could make the payment at the end of the month plus next months payment. I was then told again that I was out of luck since the prior agent didnt completely understand the situation. We then escalated the situation and after an hour on the phone I was then told that there was nothing they could do for me. 
Till today all Ive received were emails explaining that their escalation team takes 5-7 days to investigate and that I needed to make a payment today XX/XX/XXXX for them to be able to put the vehicle repo team on hold but since I had a payment scheduled for tomorrow XX/XX/XXXX they wouldnt be able to hold them today till tomorrow they would be able to hold it. 
Ive lost sleep and have dealt with more stress these passed few days dealing with them than I ever have before.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I obtained a loan from Regional Finance with account number on XXXXXXXX XXXX XXXX and XXXX # XXXX. This account was subsequently charged off on or around XX/XX/XXXX. Despite the charge-off, Regional Finance continues to report the account as outstanding to credit bureaus, indicating that I still owe a balance. Furthermore, they are adding additional charges to the alleged debt, increasing the amount they claim I owe after the charge-off date. 

I have not received a XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) from Regional Finance, which is typically issued when a debt is XXXX or forgiven by a lender. The failure to issue this form suggests that they are not treating the debt as truly charged off for tax purposes, yet they are still negatively impacting my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report. I have previously requested verification of this account through a purchase agreement, but I have not received a satisfactory response. The account in question contains fraudulent information that does not pertain to any transactions or agreements I have made.
Product: Mortgage

I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due {$23000.00}. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used {$19000.00} of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like " customer settled for less than balance, account paid and closed. I have been denied refi by Mortgage companies and denied home equity lines and the reason given is " Short Sale ''. There was no " sale '' short or otherwise. We still own the farm. I sent tax statements and such to prove that we own the farm to this day. 
I am not sure how the mortgage underwriters are construing the situation as a " short sale ''. I have written the credit agencies to request that language be added, " this was not a short sale ''. The language was added " customer disputes ''. Disputes what? I dispute this was not a short sale. I have also written to Wells Fargo XXXX times and they have sent me the same form letter XXXX times with the same signature. Why does this interpretation happen? How is it determined? The words " Short Sale '' never appear in the credit agency reports?? I have a credit score around XXXX. I have about {$420000.00} in equity in my home. XXXX changed the regs in 2014 to call for a four year ineligibility for a mortgage for an equity line. Please help, do n't understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unemployed seeking employment and I have been denied employment because of the fake news contained in my credit file. There are numerous inquiries that I have never engendered and I've never even heard of these companies. There are fake telephone numbers on my credit file I have never had, there are fake address to places where I've never lived too. 

My credit file with Experian contains a lot of fake news. The information contained in the credit file belongs to the consumer and if it is inaccurate or contains misleading information, the consumer has the right to correct the information. While I was legally XXXX  for XXXX, my identity was stolen from me and I took appropriate action notified the Credit Reporting Agency ( CRA ) in  this complaint with a Fraud Affidavit and proof of legal incapacity. I notified federal law enforcement. 

The CRA in this complaint told me to contact all the companies. I did. I notified the companies that inquired on my credit file to remove and/or correct the erroneous information from my credit file. They all told me that the CRA does that, not them. 

I then wrote the CRA in this Complaint that I've already spoken to the various companies that inquired in my credit file and they all told me there's nothing they can do about it. I being jerked around by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act CAPITAL ONE Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized, consented to nor benefited, from the following accounts/injuries, please remove the following within 4 business days pursuant to 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX  XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer :
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, "
Product: Credit reporting or other personal consumer reports

A ton of inquiries not made by me and collection item not of my own is affecting my personal credit
Product: Credit reporting or other personal consumer reports

THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Comentity CapitalXXXX XXXX XXXX has charged off my account but had failed to send me a 1099c form. 


Under the Internal Revenue Code ( IRC ) Section 6050P, lenders and creditors are legally obligated to issue Form 1099-C when a debt is canceled or written off, ensuring transparency in income reporting and compliance with tax laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Urgent Complaint Missing Transfer ( Transaction ID : XXXX ) Dear MAJORITY Support Team, I am writing to formally file a complaint regarding an international transfer I made on XX/XX/year>, from my MAJORITY account to a XXXX XXXX account in USD. To date, the money has not been received, and XXXX confirms that there is no record of any incoming transaction. 

Transaction Details : Date of transfer : XX/XX/year>, at XXXX PM Origin account : XXXX ( MAJORITY Account ) Destination account : XXXX ( XXXX XXXX USD Savings Account ) Beneficiary name : XXXX XXXX XXXX XXXX ID : XXXX XXXX Amount sent : XXXX PEN ( equivalent to XXXX USD at conversion rate ) Ordering bank : XXXX XXXX XXXX XXXX XXXX. 
Status : Completed ( as per transaction receipt ) Transaction ID : XXXX I have provided XXXX account statements for the corresponding month as proof that the funds never arrived in the destination account. However, I keep receiving the same automated response from your team, stating that the funds were sent, without providing any verifiable proof of a successfully processed transaction. 

Identified Issue : I understand that MAJORITY automatically converts the currency before sending funds. However, since I provided a USD account as the destination, if there was an issue with the currency conversion, the transfer should have been rejected and returned to my MAJORITY account. This has not happened. 

Additionally, the transaction receipt states that the ordering bank was XXXX XXXX XXXX XXXX XXXX, which suggests that an intermediary bank was involved. If so, I need confirmation of the exact path the funds took and which institution currently holds them. 

I Request : 1. Clear and verifiable proof of the transfer, including the XXXX code or a detailed receipt showing the destination account details. 
2. Confirmation from the intermediary bank ( if applicable ) to track the transfer.

3. An immediate refund if the transaction can not be located or if there was an error in processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report I noticed a lot of invalid information. I am interested in disputing my incorrect information with Experian. it is hendering my file. please clear all information listed.
Product: Vehicle loan or lease

I opted to purchase my lease from ally bank in XXXX of XXXX XX/XX/XXXX ally cashed the check submitted by XXXX XXXX XXXXXXXX XXXX who I had sign a lease buy out loan with for XXXX. There was a cosigner on the lease who they stated they couldn't get in contact with. Towards the end of XXXX, XXXX XXXX called me asking for the cosigners contact information who was on the original lease agreement which was completed satisfied at the time of purchase. He stated that if they can not contact the cosignerfrom the lease that they will process without paperwork and if they had any issues, they would contact me. During the second week of XXXX, I received a notarized letter from Ally Bank stating that the lease had been satisfied and they no longer hold any interest for the XXXX XXXX. I've been paying the new lien holders on time and since the end of XXXX. during the end of XXXX, I began to get calls in regards to the XXXX from and a different numberthan ally had called me prior. They stated that they wanted to know what I was doing with the vehicle. They asked if I was interested in purchasing the car or am I planning on returning the XXXX. I proceeded to tell them that I had already purchased the car in XXXX. The person I spoke with seemed confused as to what was talking about. After few more calls pertaining to the same issue an employee who called said they will have upper management look into this matter and that someone would reach out to me. On XX/XX/XXXX my car was repossessed by ally bank. When I called them to see what was going on they stated that they refunded me the money on XX/XX/XXXX which my ally online account did not reflect that statement. I stated that I had a notarized letter from them stating they hold no interest in the vehicle. The voice recording have of the conversation has the person stating that the letterwas sent a mistake and that they will not return the car which was paid for by the new lending institution. The person stated that they will not return the car. I contacted the redemption department to see how I could retrieve me car and they said I had {$0.00} balance which he never saw before. He said he escaladed the case to upper management that would contact me within 24 to 48 hours on XX/XX/XXXX. Monday XX/XX/XXXX came, and I didn't hearback from anyone. I called the redemption department on the XXXX and they stated they left a notation on the account to have management contact me. XXXX also stated that nothing would happen with the car because I was disputing the Repo. I received a call 30 minutes later stating that the car was sold and that there's nothing I could do to get the car back which I purchased on XX/XX/2022, with a new lender. He stated the Car was already sold to an auction house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX  and XXXX  credit report. XXXX  and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX  XXXX Account # XXXX