23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on both XXXX and XXXX are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
XXXX XXXX XXXX ( XXXX XXXX ) I C System ( XXXX ) XXXX XXXX ( XXXX )
Product: Student loan

I cosigned a private loan with, Salliemae for my son XXXX XXXX 's loan in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of  approximately {$34.00}, 000 for him to get an XXXX degree at XXXX. The account was consolidated at a rate of 3 % and it stayed at this rate until XX/XX/XXXX. The rate has jumped from 3 % to 5.25 % by XX/XX/XXXX. I was not even aware of it since payments are withdrawn automatically. Navient took over from Sallimae few years ago. This practice is to ensure students never get out of student debt. Is there any law against constant increase in rate approximately every three months. Is there any cap on student loan rate? I feel these are corrupt practices to make students keep on paying interest and not get out from debt. We have been making payments regularly over these years without missing a payment and are being rewarded with increased rates. Is there any federal agency overseeing these practices. Is it against the law. I don't understand why in last 4 years rates have almost doubled having stayed constant for so many years. Any help would be appreciated. i can provide more details if needed. 
Thanks, XXXX XXXX
Product: Vehicle loan or lease

This credit company vw credit inc leased me new car back in XXXX and its brand new and it ghastly full coverage insurance, My father drove it one day and he got into a car accident which totaled the car and the car wasnt drivable with that being said the insurance paid the vw credit inc. and now I see my credit is damaged by them and I kept calling them and once I handle them my information they constantly keep me on hold and the kept adding more money that I owe on the account with the car being totaled my name is XXXX XXXX my social is XXXX and I am furious by the VW CREDIT INC I beg for help because I am trying to build my future and live happily and constantly they are making me upset I hope you feel the frustration I am in, I tried numerous times to dispute it from both XXXX and XXXX and they wouldnt let me
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedienceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Pentagon Federal Credit Union is advertising a low rate for a consumer automobile refinance and they arent honoring their posted rates. I applied and was approved, but they are claiming my credit score didnt meet their top tier of over XXXX. They pulled my credit, but wont provide me with the score. They claim it is below XXXX. I confirmed and paid for my credit score from XXXX, which is the agency that PenFed told me they used, and my credit score has been hovering around XXXX for over the past year and hasnt been below XXXX for quite some time. They refuse to prove the score they pulled and therefore are denying me the top tier low interest rate for the auto refinance loan. They have been extremely difficult to get in touch with and continue to keep me on hold for extenuating wait time often exceeding 30 mins and then ultimately not transferring me to a next tier agent or manager that can actually tell me what the score was that they pulled. I know it was in error and I paid for and uploaded proof of my credit score, but they still refuse to accept that evidence and will not offer me the low rate they advertise and that my credit score easily qualifies for.
Product: Student loan

I paid off a loan in XX/XX/2023 and it still remains as unpaid on my credit report. I called Edfinancial in XXXX and was told that the report monthly and maybe I just missed the cut off. It's XX/XX/2023 and I still see the full amount outstanding on my credit report. 

I am also having issues with their autopay system. It is not being processed dispute setting it up according to their guidelines. When I called they said it was my banks fault, the back did not approve the request to pull funds. I called my bank and they said that there was no attempt to pull funds. I am being denied the opportunity to get a reduced interest rate because of this. There are several people dealing with this same issue according to several different posts I have read.
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 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX For XXXXExperian & Attorney General/Consumer FinanceXXXX. 
XXXX : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX ACCT : XXXX AMT : XXXX XXXX ACCT : XXXX AMT : XXXX Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX 2019
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( aka Block. Inc ) due to inadequate customer service, and unfair practices, which violate the consumer financial protection act ( aka CPPA ). Specifically, cash app failed to take action and timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which resulted in me constantly having to lock my card due to fraud and having to tell them weather it was fraud or not. Furthermore, their dispute resolution process was unfair and very deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss there of, and I seek appropriate redress for these violations.
Product: Mortgage

My husband and I recently re-financed our home. As part of the re-finance deal, we agreed to pay off XXXX outstanding credit card balances. XXXX of those balances was with Capital One. A check was issued to Capital One in the amount of {$6600.00} by XXXX XXXX XXXX and Closing Services. I sent this check off and it was cashed on XXXX XXXX, 2016. Unfortunately, our Capital One credit card account that this check paid off, was returned to its unpaid status even though the XXXX XXXX check had been endorsed and paid. The specific complaint from Capital One is they could not read the endorsement clearly. After multiple conference calls and at least XXXX times forwarding a copy of the front and back of this check, Capital One still claims they can not find this check in their system, and keep requesting a clearer copy. We are in our second period of investigation and Capital One has temporarily re-credited our account with the {$6600.00} for a limited time while the investigation proceeds. I am working with the check-issuing company, namely XXXX XXXX XXXX, who are being very cooperative and doing everything in their power to help resolve this issue. Unfortunately we and Capital One seem to be going in circles, and I fear our balance will be re-instated and we will be once again liable for it.
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to XXXX and XXXX penalties. 
I appreciate your efforts in this matter and look forward to your response. 

I, XXXX XXXX, am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically XXXX ( c ), and demand that you cease and desist any contact with me in reference to this collection. This addendum in no way admits or considers myself responsible for this debt. In addition, this addendum also requests for you to cease and desist the use, or potential use, of any third ( XXXX ) party to contact me in reference to this collection. 
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to respond within 30 days. We they did not, we filed complaints with your organization. Equifax and XXXX XXXX finally sent her copies of her investigation results, but I have yet to receive mine. I just don't understand what could be taking so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report XX/XX/2023, disputes investigation updated XX/XX/2023 & again XX/XX/2023 updated report after disputes investigation again with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Discharged bankruptcy & all accts included should state discharged through bankruptcy.letter attached.

Discharged bankruptcy Accts/Paid Account/Late Payments : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ( closed ) XXXX XXXXDept of Education ( in forbearance-good standing older loans transferred to this new student loan service company/ XXXX XXXX XXXX acct was paid in full due to this consolidation with XXXX XXXX 
XXXX ( closed acct ) Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed/closed if account open should be closed. 

I also read where I can get the updated report after you investigate this from tXXXX XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the re-investigation outcome to be sent to my address.
Product: Checking or savings account

There was an unauthorized quick by XXXX done on my Chase Checking account on XX/XX/18, Friday at XXXX XXXX PST for {$1000.00}. Chase could not prove it as fraud so they are charging the amount to my account. I provided them with the IP addresses of the devices that I use for online banking which is from my work station at work ( XXXX, CA ) and at home ( XXXX, CA ). The IP address of that particular transcation showed it was in XXXX XXXX. They still would not not overturn their decision. Their argument is that a new device was added to do that transcation and that a code was sent to my cell phone ( number on the account ) to activate that new device. My argument is that it was on a Friday, a work day, I was at work at that time - how can one be at two places at the same time? 
Please assist me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00}
Product: Checking or savings account

I am writing to address a serious issue regarding Bank Of America closure of my merchant checking account on XX/XX/year>. At the time of closure, a balance of {$36000.00} was withheld, with the assurance that the funds would be released no later than XXXX months after the closure date. 

Since the account closure, I have contacted BOFA XXXX XXXX on XXXX separate occasions, each time on a recorded line. However, despite my efforts, the customer support team has only taken notes and has refused to provide any form of case number or reference for the issue. Additionally, I have been informed that the security department, which is responsible for the release of these funds, is unreachable, making it impossible to escalate my case or contact them directly. They have setup everything " in house '' so there is no over site even when they are acting illegally. 

It has now been over XXXX month since my initial call, and I have not received a single follow-up or response regarding the status of my withheld funds. Bank of America is intentionally and illegally withholding my money. 

I would like immediate action on this matter and the release of my funds as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX the Account with the US Department Of Education, OPE ID XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX. 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer report agency may make any consumer report containing any of the following items of information any other 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX I received a letter from my mortgage services DiTech financial stating, Ditech has conducted a review of your mortgage loan ... ... the review determined that you previously paid  {$360.00} in excess post-petition payments ... .these amounts will remain on your account ... please consult your next monthly statement for detailed information regarding your mortgage loan, as this remediation May have changed your unpaid principal balance and/or the date when your next payment is due. I carefully checked the next two statements and went online and viewed my account in particular the transactions page which shows all money going in or going out of the account. This overpayment never showed up anywhere. I called Ditech several times since XXXX the second time I was told that an investigation team was going to track down where that money went. I heard nothing back each time. I checked every statement since that letter and never saw my money applied anywhere. Ive had two escrow analysis done since that letter both indicating a shortage hence my monthly payment increased each time. I carefully checked both of these analyses and that money was never applied to principle, interest, held in suspension, escrow or anything else. The last time I called I was on the phone for 2hrs and 44min. This woman XXXX ext. XXXX Bankruptcy customer service, looked everywhere for this money. She even went back prior to the letter to see if they lumped it into some other amount. It just wasnt there. She spoke with her supervisor XXXX twice and checked a few other places it may have been that ( she ) I didnt know about. Still couldnt find it. A concerning fact is that she told me that there were NO other notes on my account about previous calls or investigations or research of this matter! XXXX was doing her best but it appears that money was received by Ditech, it belonged to me, they acknowledged it belonged to me, they have the money and have not returned it to me. XXXX attached the letter to an order to elevate the matter to the bankruptcy team. She swore she would call me back later that day or the next day ( call was made XX/XX/XXXX ). Big surprise they never called.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX reported a payday loan I have no knowledge of. sent this dispute XX/XX/2020. Company responded. information removed. Per company they stated they removed this from equifax. they are in violation as they have still reported this information to equifax even after they stated it would have been removed. per FCRA
Product: Checking or savings account

I reported fraudulent transactions on XX/XX/XXXX from the XXXX XXXX. 10 days later, in violation of Reg E, they still did not credit me back. They then said, on XX/XX/XXXX, that " you have used this merchant before so it isn't fraud ''. Which is entirely false and egregious reasoning behind denying the claim.
Product: Debt collection

I do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) Due to the 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 an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for this violation. Thank you!