23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I WAS NOTIFIED BY XXXX RADIO THAT THEY WERE RENEWING MY SUBSCRIPTION OF MY XXXX RADIO 'S I THINK TIS WAS IN XXXX XXXX. I CONTACTED THEM INDICATING I DID NOT WANT TO RENEWAL MY SUBSCRIPTION..THEY GAVE CONFERIMATION OF THIS ACTION I LOST THIS INFO. THEN MY CITI-CARDS AT & T UNIVERSAL CARD WAS BILLED {$370.00}. I CONTACT XXXX ABOUT THIS ... ..THE REP SAID HE WAS GOING TO GIVE ME A SPECIAL BUNDLE FOR {$120.00} FOR ONE YEAR PLUS REPLACE MY LIVING ROOM RADIO.. HE TOLD ME I WOULD GIVEN A CREDIT XXXX. I WAITED SEVERAL WEEKS ... I WAS TOLD AT & T UNIVERSAL CARD THEIR WAS NO CREDIT GIVEN ... ..I THEN FILED COMPLAINT WITH THERE BILLING DISPUTE DEPT ... ... I REC 'D A LETTER FROM CITI-CARDS ON XXXX XXXX, 2015 THAT THEY REVERSED MY CREDIT BASED ON INFO FROM XXXX ... .THEY MATERIALS THAT USED WAS MADE NO SENSE ... I HAVE BEEN FAXING AND SENDING LETTERS TO CITI-CARDS XXXX. XXXX XXXX XXXX, SD XXXX. I HAVE BEEN DEALING WITH XXXX XXXX ... SERVICE SPECIALIST..HER PH XXXX..THE DISPUTE PHONE # IS XXXX ... FAX XXXX HAVE HAD THE AT & T UNIVERSAL CARD SINCE WHEN AT & T CREADED THE CARD WHICH IS OVER 20 YRS . XXXX XXXX IS A VERY CORRUPT COMPANY..THEY HAVE BEEN FINED BILLIONS OF DOLLARS OVER THE YRS BY FTC. IT SEEMS XXXX XXXX TAKES THE WORD OF CORRUPT ENTITY WITH INSUFFICENT DOCUMENTATION. I TOLD XXXX XXXX GO TO FTC.GOV IN ORDER TO FINE OUT HOW MANY COMPLAINTS HAVE BEEN FILE WITH FTC.IT SEEMS CITI-CARDS HAVE BEEN VIOLATING SOME FEDERAL OR LAWS
Product: Mortgage

Loan # XXXX LoanDepot issued an Escrow Surplus refund check in the amount of {$6700.00} on XXXX XXXX 2015. To this date i have not received the check. 
I have emailed, and called customer service several times to get another check sent out ( with a tracking number )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items in these reports that are utilizing my credit without my permission, and putting accounts that I have already reached out to to prove their allegation for the account they're claiming. I've sent numerous documentation providing lawful information proving the debt doesn't belong to me and that I had no relationship with them. Yet, they have not been able to provide those registered sent information. 
XXXX is an old account that is paid off, yet they have adverse information affecting my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I went to local Wells Fargo ( XXXX, UT ) to open savings account attached to checking acct. After account was opened I deposited a foreign check into that account for the amount of XXXX XXXX. This check was an interim check for a settelment offer from the XXXX Government for XXXX 's XXXX survivors. The branch converted the amount to USD in the amount of {$16000.00}. This amount was posted to account on XXXX, on XXXX I was informed by branch manager that now the check had came back as a stop payment. They informed me that not only an I paying returned check fee of XXXX I now owe XXXX because the conversation had changed, however statement shows XXXX was return payment. I contacted them and customer service could not give any information as to what had happened so I contacted the issuers of the check. XXXX has the undertaking to disburse checks to claimants, they stated that there should be no issue with the payment and the bank in XXXX XXXX XXXX XXXX and perhaps there was a clerical, human or computer error and no stop payment was issued. They ( XXXX  ) stated they would contact Wells Fargo to inform them payment legitimate and to reprocess the payment. I then contacted wells fargo again to inform them that they would be receiving a call from XXXX to verify payment, I was told they would not do anything as they use a third party to deal with international checks and a new check would have to be issued also that they did not remove the fees for this transaction. If wells Fargo neglected to confirm check via wire or contacting bank any issues should fall on them not customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a credit card with Pentagon Federal Credit Union. I do a lot of business with them. In XXXX I sent them a copy of my military orders for the year to activate my XXXX benefits. While I was waiting for them to correct my interest rates they reported me as missing a payment. I complained to them and was told it would be corrected and it never was. In XXXX it recently happened again. Although I sent them a copy of my orders they still haven't activated my XXXX benefits and they having me down as being 30 days late on my payment twice now. This is negatively affecting my security clearance and my finances as my family and I are trying to relocate. As a XXXX veteran I expect more from a military credit union. I've called and emailed and haven't been able to get this corrected so now I'm completing this complaint.
Product: Credit reporting or other personal consumer reports

As stated in the Fair Credit Reporting Act 15 USC 1681 Section 602, it is decisive for consumer reporting agencies like Equifax and XXXX to carry out their responsibilities with fairness, unbiased, and respect for the consumer 's right to privacy. As the consumer, I have the right to make certain that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions, including the entity furnishing information to credit agencies, have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Section 604 ( a ) ( 2 ) of the Act states that consumer reporting agencies may only furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer to whom the report relates. In this case, neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have my consent to furnish this information, let alone my written consent. Therefore, any previous consent given to Equifax, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, section 6802 ( b ) ( c ) of the Act states that a financial institution can not impart nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their right to nondisclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Furthermore, section 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report, except as authorized under subsection ( b ). In conclusion, it is evident that the actions taken by Equifax, XXXX, and the furnisher of information to credit agencies are in violation of the Fair Credit Reporting Act. As the consumer, I expect my rights to privacy and covertly to be respected, and I demand that immediate corrective measures be taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from experian credit reporting agencies thank you letter attached
Product: Student loan

I filed Complaint # XXXX regarding this issue on XX/XX/XXXX. XXXX XXXX responded and the Complaint was closed on XX/XX/XXXX, without absolutely no progress towards my initial complaint. Did anyone even read my initial request? 

Request was made on XX/XX/XXXX with FedLoans to refund all student loans paid during XXXX forbearance period ( XXXX XXXX ). Call reference number was # XXXX. 

I was advised on a call two months later that I would not be able to get my student loans refunded because I paid select loan sequences in full, which I later learned was a false statement. 

In XX/XX/XXXX I learn that my loans are being transferred to Mohela and received an email on XX/XX/XXXX that the transfer process had began. 

On XX/XX/XXXX, I saw that my account had now reflected my current balance and contacted Mohela to initiate the refund process. I was told it would take 60 days. I called several times over the course of 60 days for updates, and never received any update. 

After 60 days, I called Mohela and was advised that the wait would now be 90 days following the influx of forgiveness applications from late XXXX following the President 's executive order. 

Called after 90 days from original request ( late XX/XX/XXXX ) and told loans were still in process. Was just advised today by a supervisor after being on hold for XXXX hours and forty-five minutes that Mohela could not initiate the refund request because the loans were paid off through Fedloans, not Mohela. This was the first time I received this information despite calling well over XXXX times since original request was made on XX/XX/XXXX. I was directed to call Fedloans. 

I contacted XXXX XXXX times today, XX/XX/XXXX, and each time I call, I receive an automated response that my loans were transferred to Mohela, and I can press XXXX for further guidance. All three times the call was dropped. 

I filed the complaint with CFPB # XXXX and Fedloans responded that this was Mohela 's responsibility, but Mohela claims the loans were paid off while they were serviced with Fedloans, so Mohela isn't responsible. 

I filed a complaint with the Department of Education OMBUDSMAN on the same day and received case # XXXX. I call everyday only to hear that as of XX/XX/XXXX my case still is not even assigned to anyone. 

Both Mohela and XXXX seem to agree on one : The Department of Education must submit the request to Treasury for the loans that were paid in full. The money is all coming from the same place, so it really does not matter who is responsible for making the request, I just want my money, I have a legal right to it pursuant to the CARES Act and subsequent Executive Orders, and I need it before the end of this year. 

I would appreciate a phone call from someone that can actually assist me with resolving this issue because I am baffled by how poorly this is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX. I've been urgently seeking to get my credit report to look identical across the bureaus. The only accurate snapshot of my total accounts and balances are on XXXX, which I will provide. I reached out to XXXX  and Transunion as a result nothing was done.
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 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 resolution dispute process was u fair and deceptive, as they did not comply with error resolution requirements under Electronic Funds Transfer Act ( EFTA ) and Regular E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I have requested payment history at least 4 or 5 times. I continue to receive XXXX thru XXXX. The house was built in XXXX. That's the Originated date. Bank of America is reporting the Originated date is XXXX. There are no documentation for XXXX except my information I receive from closing and the building process. We refinance in XXXX for XXXX dollars. We built our home with the bonus room unfinish. We got the XXXX to finish it. That was the first and last time activity took place on this loan. This loan has 5 different loan no. and 4 different FHA no. I can't get an answer why this loan has so much activity. It has a Partial Claim, Modification, Forbearance, Subordinate Deed. In XXXX the Loan number was XXXX it was change to XXXX. I would think anything going forward from XXXX would automatically be XXXX. That is not the case. I found XXXX loan numbers are XXXX. Then you have loan number where everything is black out except the last 4 numbers. This loan has fraudulent Activity. This is FRAUD!!! ( I XXXX XXXX XXXX give my wife XXXX XXXX permission to speak on my behalf. My name is on the mortgage. XXXX XXXX and XXXX XXXX XXXX is on the Deed. We will not sign any documents for Bank of America )
Product: Debt collection

I have an unverified account from RESURGENT CAPITAL SERVICES a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with RESURGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. RESURGENT CAPITAL SERVICES has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to RESURGENT CAPITAL SERVICES requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that RESURGENT CAPITAL SERVICES, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6.  Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RESURGENT CAPITAL SERVICES is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with RESURGENT CAPITAL SERVICES.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a letter from Truist bank on XX/XX/XXXX indicating that a possible fraudulent account was opened using some of my information with an ID theft affidavit. I checked my credit report and found that Truist on my credit report with {$24000.00} taken on the account. I completed the affidavit and mailed it back to them via certified mail- USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I attempted to call the contact on the letter from Truist Bank, XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX occasions, leaving a voicemail ; but I have not received any call back in XXXX weeks. They will not supply me with any information on the account, including the account number. I filed a police report and submitted this information with Truist Bank. Truist Bank is not communicating with me on this case. I was in the process of purchasing a home and this has prevented us from being able to. It is negativly impacting my credit and Truist Bank allowed this to happen and is not assisting me. I feel Truist Bank is violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX DEPARTMENT OF EDUCATION ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAMEXXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law XXXX which suspended the GOLD Standard and exempted US citizens from paying XXXX, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give TRANUNION, XXXX, and XXXX, written consent to furnish this information, that would indeed be identity theft. As of the student loans, XXXX5 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATION/XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

AMERICAN CYCLE FINANCE INC. is the company Im working with to finance a motorcycle. I had been doing my payments and never missed XXXX. Until I got intro financial trouble due to an accident in traffic ( nothing minor ) but I had to pay a bill for a XXXX and XXXX which is the only person that works in this company is very nasty to deal with. I asked if I had the option to put XXXX of the payments at the end of the loan. He denied any type of help and kept charging my account knowing I didnt have the money. When I told him I had the money. He didnt charge when he was supposed to and then charge me extra fees. When confronted he started raising his voice and getting violent. Its impossible to deal with this company I dont feel safe with them. They feel very scammy. When I check the reviews nobody is really happy with them, even when they finish paying their loan they still cant get the title. How can a company like this stay on business? None of the customer are happy and everybody complains about the same. I feel they should be held accountable.