23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had gotten into a major financial setback and was having trouble making payments to Navient for my private student loan due to my husband experiencing XXXX and awaiting a XXXX. On XX/XX/2017, I finally went into a repayment plan with Navient. It was my " last chance '' and the agreement was that as long as I paid {$50.00} to start the program, and got my monthly payment automatically deducted each XXXX of the month, then my private student loan WOULD NOT BE CHARGED off. I paid the {$50.00}, then had my first payment deducted XX/XX/2017. XX/XX/2017, I received a phone call from their charge off department, stating that my loan was charged off and I now needed a charge off plan. I explained my plan, and after a long hold time I was told I was correct and that I was not in charge off. On XX/XX/2017 I pulled my credit reports and it shows that Navient charged off my private loans. XX/XX/2017, today they took out their monthly payment again. I reached out to their consumer advocate group about my issues, and they called me at XXXX today and let me know that I was not in charge off, but that my credit report would not be updated until I had paid this payment plan for 3 months. I let her know this was not our agreement but let it go. I received a call at XXXX and XXXX from an automated system from Navient instructing me to call because I have " options. '' I received another call at XXXX from their charge off department. I tried explaining my situation to the rep-how I was no in charge off, that I had just spoken to someone today about it, etc, but she was very rude and condescending and told that it was incorrect and that I was in charge off! 
I am very frustrated with this company. They had me go into a payment plan that I set up for direct debit each month so I could avoid charge off and they still reported me charged off to the credit bureaus. They also refuse to remove this information despite our agreement. I can understand reporting me past due, because that is accurate, but not as charged off. If this was going to be the case, I would not have entered into the payment agreement since they were going to report me charged off anyway. Not only are they reporting me charged off to all the bureaus, but they also within their own system have me as charged off, resulting in threatening calls more than 3 times a day. I am paying per their terms and this is unacceptable. I am tired of feeling harassed, threatened, and humiliated by their representatives, I am a paying customer and do not deserve this. I also have been working very hard these past months to rebuild my credit and they destroyed it with their negative reporting. Please do something about this company and their terrible practices!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I contacted multiple times to Experian to correct my name and address. But it has not fixed to info which is affecting my credit score. 

Would you mind helping me to correct those info. 

Kind regards, XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

HSBC Mortgage Services, XXXX FL XXXX, Phone : XXXX ( Customer Care ) Loan single point contact person : XXXXWe have been attempting to secure a refinance of our home mortgage with another lender. HSBC has to provide the new lender underwriting department a letter regarding one aspect of our loan. They do not answer phone or faxed requests. When the occasion occurs that we actually do speak to a person they 'are n't sure ' or may or may not be able to help. These repeated requests have come from both ourselves and the new lender without response. They are obstructing our freedom to find a new lender to refinance at a better interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SEE FILES ATTACHED. I AM THE SENDER. THIS IS NOT A THIRD PARTY. IF YOU REFUSE TO COMPLY, YOU WILL BE SUED.
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 then Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Made a purchase on a visa gift card of {$250.00} on XX/XX/2023 and paid XXXX cash, took merchandise back because it didnt work. They in turn put the whole amount on the card of {$280.00} of which the card will not work. I have call the number on the back of the Visa card about 10 times and every time I call there is a different issue.They will not return my monies. Can we get this resolved?
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America Small Business account was closed without any notice or warning after 14 years, the same day an incoming wire transfer was scheduled. After almost two hours and 6 different customer service agents I was finally told it was for inactivity and they were unable to reopen. The bank continued to withdraw the $ XXXX  monthly service fee during this period of inactivity and I was given no warning that I needed further activity to maintain account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} I have asked for validation of these items from the 3 major credit reporting agencies, ( Experian, Equifax and Transunion ). I believe these entries have not been properly investigated as required under Fair Credit Reporting Act. These Credit reporting agencies ( Experian, Equifax and Transunion have failed to properly conduct investigations into my consumer disputes. All 3 credit reporting agencies ( Experian, Equifax and Transunion ) have not provided me with detailed and/or type of investigation that was to have been conducted. There are no detailed reports provided. These sham investigations reflect a concerning pattern of non-compliance and negligence, which directly affects the integrity of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Approximately a week ago I filed disputes in regards to aliases and old addresses with the credit bureaus XXXX and TransUnion. I asked them to remove inaccurate information and I provided my California identification which provided my accurate address and correct spelling of my name I said in the dispute please remove all other variations of my name or aliases and please delete all addresses not reflecting on my California license or ID
Product: Debt collection

Southwest Recovery Service has been trying to collect money from me that has been reported on my credit report from a charge by XXXX XXXX XXXX ( TX, XXXX area ), that is completely erroneous and is currently hindering my credit for no reason. The collections amount is {$260.00}, and although we briefly used this company, after poor service ( being told services were being rendered when they were not -- we have security cameras that proved this -- and poor service when they were actually here ), but we requested they never come back. No contract was signed stating the services that were rendered for this {$260.00} should take place. At one point, an employee trespassed on our property to make it seem like a service was being given -- one that we did not ask for, and was only done in part. No matter how many times we try speaking to this company, they hide behind this collection agency, and we DO NOT owe them any money.
Product: Debt collection

Under FCRA guidelines Prince Parker And Associates has violated my rights according to : 15 USC 1681 section 602 : rights to privacy 15 USC 1681 section 604A section 2 : consumer reporting agencies can not Furnish info without written instructions
Product: Credit reporting

There was a fire in a home I owned. My homeowners insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a check to my mortgage company XXXX XXXX XXXX XXXX XXXX for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX XXXX XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX XXXX XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX XXXX XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX XXXX that XXXX XXXX XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX XXXX XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX XXXX XXXX is attached. Also attached is my credit report. Please note the XXXX XXXX XXXX item is on page XXXX and the same item as reported by XXXX is on page XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I disputed a Chapter XXXX bankruptcy that was being reported on my credit report. June the credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing battle with Equifax and XXXX I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXs customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 

1.XXXX XXXX 2.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

The accounts include the following : XXXX is XXXX XXXX XXXXs XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXXXXXX XXXX  which is for XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report associated with XXXX XXXX XXXX. The account in question reflects a " charge-off '' status, and I believe this entry is inaccurate and must be removed under federal and state laws, as outlined below. 
According to my understanding, when XXXX XXXX XXXX issued a charge-off, they declared the debt as a profit or loss for their accounting purposes. In such cases, the creditor is required to issue a Form 1099-C ( Cancellation of Debt ) to the debtor if the amount forgiven exceeds {$600.00}, as per the Internal Revenue Code Section 6050P. However, I have never received a 1099-C form from XXXX Card Services. The absence of this document suggests that no true cancellation of debt occurred or that the reporting requirements were not followed. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, it is mandated that information reported to credit bureaus must be accurate, complete, and verifiable. Since XXXX XXXX XXXX has not provided a 1099-C, the charge-off entry on my credit report can not be considered accurate or complete.

Additionally, some state laws require creditors to notify consumers of their intent to report charge-offs to credit reporting agencies and to ensure proper documentation of any debt cancellations. Given that no 1099-C has been issued, this entry may also violate relevant state laws concerning accurate debt reporting. 
I kindly request that XXXX investigate this matter promptly. Specifically, please contact XXXX XXXX XXXX to verify the validity of the charge-off entry and request proof of the issuance of a 1099-C. If XXXX XXXX XXXX can not provide the required documentation, I urge XXXX to remove this inaccurate entry from my credit report. 
As per the FCRA, I expect a resolution to this dispute within the legally mandated 30-day period. 
Please notify me of the results of your investigation in writing. 
I have attached a copy of my credit report highlighting the disputed entry, along with copies of my identification and proof of address, to facilitate your investigation. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt of this dispute and a thorough resolution.
Product: Credit card or prepaid card

My stimulus check says that it has been sent there for almost a month now and I call my card and it says its both there
Product: Vehicle loan or lease

Back in XXXX of XXXX I got a car loan for XXXX XXXX XXXX XXXX, from Credit Acceptance Corp. The loan was for approximately {$11000.00}. In XXXX of XXXX I was unable to pay for the loan anymore an contacted the company explaining my situation to them. I never received a reply back from them. Then several months later I contacted them a second time telling them to please come and take the car back I still could not afford the loan any longer and haven't been driving the vehicle it remained parked at my residence. Still I never heard back from them, they continued to ignore my requests. I've contacted them on 2 more occasions the most recent being in the beginning of XXXX, nearly 3 years from the point I first contacted them telling them to come and take the car back please. And I have still heard nothing from them and the vehicle still remains parked and not being driven. Just today, XX/XX/XXXX, I was notified by my credit monitoring company that Credit Acceptance Corp has reported new information to the credit bureaus about my loan. It turns out that have now reported this loan as being " re-opened '' with them ( it has been marked as closed for the last 3 years ) and they have nearly doubled the amount they claim I owe them. It went from {$11000.00} as a balance to now {$19000.00}. I have been pleading with this company to come and take the vehicle back now for nearly 3 years and all they do is ignore me. I'm positive they are ignoring me because they're just waiting for the vehicles value to continually depreciate over time.