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

Called to get payment assistance on my Personal Loan. After speaking over an hour with the financial counselor and going over options, the counselor closed my credit card account without my permission. I mentioned to the counselor over and over again that closing my credit account was not an option because i was currently closing on a home and my Credit Card was the old and highest credit line. This change was immediately report to all 3 credit bureaus thus tanking my credit score and debt to ratio. Navy Federal said theyll send me a letter that I never received and also said the issue could not be fixed ( reported to credit agencies ) no sooner than 30-45 days. This in turn has cause me hardships as my credit score fell below the eligible score and losing earnest money. NFCU stated that they couldnt do anything about the loss of earnest money nor the house even after suggesting keeping the reduced interest rates for the personal loan and credit card to make up for the loss.
Product: Debt collection

XXXX allowed unauthorized individuals to open ( 2 ) phones under the accounts 3 or more months after my account was closed. I was verbally told on a number of occasions that the account was closed and I no longer had any financial obligations. A year later in XXXX of XXXX XXXX sent a total of {$1900.00} to a collection firm against my previously closed account. I disputed with XXXX and neither the mailing address or passwords on the account were mine or my residence. I repeated the fraud dispute with XXXX over the period of a year and nearly 40 hours on the phone with XXXX attempting to resolve. XXXX ultimately refused to acknowledge any fraud or errors on said account. I never received a phone call, bill or notification of this account from anyone other than the collections agency who has recently sent me the same fraud dispute process document I've done already went through with XXXX. I was completely mislead by XXXX team in telling me my account was closed and by the XXXX fraud dispute team by determining a account with a passcode I didn't know with a mailing address not belonging to me was my account. It is now XX/XX/XXXX and this debt has been submitted to collections twice under different agencies. I will continue to dispute as the account that was opened was never authorized in the first place.
Product: Student loan

Navient is violating the CFPB 's compliance bulletin and policy guidance. The loan Navient services meets all the criteria to be discharged with a general order of discharge in bankruptcy. Navient continues to say this loan is in repayment which is a direct violation of the CFPB 's compliance bulletin and policy guidance. This loan is not a qualified education loan. Instead of providing meaningful actions to resolve this, Navient continues to deflect from the issue at hand, that they are willfully violating CFPB guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 15 hard inquiries reported by equifax of the following I do not recognize or gave permission for these companies to pull my credit XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX JXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I still have negative items reporting on my credit report without my consent effecting my right as a consumer. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6801 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Money transfer, virtual currency, or money service

I am filling 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Payday loan, title loan, or personal loan

I received an email about my loan application with Avant. I advised them I did not request a loan and they send me to their fraud department advising me to take all sorts of legal actions to prevent any unauthorized access, including a police report. I refused to do this action since it was a failure on their part to identify a fraudulent application. Their failure to properly identify and cancel the loan request has put me in risk for identity theft. I continue to receive emails to complete my loan application even after I alerted them to this activity. I am asking CFPB to look into this matter as well as the loan application process from Avant as they do no that the customer in mind and are only looking to process this loan request to boost their own bottom line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I have called their billing office several times. XXXX I called and they said I was paid in full. They show me as in collection as of XX/XX/XXXX. The amount is {$160.00}. After my call on XXXX I assumed when they told me I was current we were okay. However we are trying to buy a house and it still shows up as outstanding. We have never received a current bill or collection call. 
XXXX XXXX  : XXXX {$100.00} XXXX {$63.00} PAID IN FULL
Product: Mortgage

AT THIS WRITING PLEASE BE ADVISED THAT I HAVE TRIED ON NUMEROUS TIMES TO GET CLARITY IN REFERENCING TO THE SERVICING OF MY MORTGAGE LOAN : -PROBLEM STARTED WITH THE SERVICING OF MY LOAN FROM XX/XX/XXXX-XX/XX/XXXX BY MT BANK SEE ( exh.A 8 pgs customer activity statement printed by MT BANK-showing current balance {$230000.00} ) - on XX/XX/XXXX requested a qualified written request ( " QWR '' ), never received a reply.
on XX/XX/XXXX because of limited funds I seek free services from XXXX XXXX XXXX XXXX XXXX A 501 ( 3 ) non-profit XXXX XXXX XXXX. who followed up on my request in reference to my request, and XXXX XXXX rec.the following attached dated XX/XX/XXXX ( exh.B ) refusing to reply to my request. 

- see ( exh.C ) XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX showing no late payments. 

-on XX/XX/XXXX see ( D ) on XX/XX/XXXX case information summary from XXXX County Clerk of Circuit Court Electronic Docket Search the alledge servicer XXXX XXXX XXXX stated that they is the morgtor and MT BANK was the servicier and they was directed to file foreclosure complaint by their fir t attorneys XXXX XXXX XXXX which later merged with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX. 

on XX/XX/XXXX XXXX send a payoff which was not ordered by me stated that cerified funds needed to reinstate is XXXX. XXXX withdraw from the case XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency is in violation of 15 USC 1681n for the willful noncompliance of reporting inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX  Data Breach. I demand to deleted all the accounts or I will file a litigation
Product: Credit reporting or other personal consumer reports

I am reaching out to address inaccurate personal information, specifically related to the name and date of birth reporting on my credit report. I have attached my ID 's to show proof of my identity and my correct date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and CAPITAL ONE BANK USA with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX has failed to do a proper investigation because if they had they would see this account isnt mine and is result of identity theft. BMW financial is sending letters to my address for the correct owner of this loan which is clearly not my name and put me in danger by using his name attracted to my address. This loan was obtained by XXXX XXXX and used my social without my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an investigation into the accuracy and completeness of the following collection accounts appearing on my credit report : * XXXX. Creditor Name : XXXX XXXX XXXX * Account Number : XXXX * Balance : {$650.00} * * XXXX. Creditor Name : XXXX XXXX XXXX * Account Number : XXXX * Balance : {$650.00} * * XXXX Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX * Balance : {$1100.00} * Comments : Collections/ Charge off profit loss meets requirements for the fair credit reporting act These accounts appear to contain discrepancies that may not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts to verify their accuracy. If any errors are found or if the accounts can not be properly verified, I request their immediate removal from my credit report. 
Please provide me with the results of your investigation, including any supporting documentation used to verify the accounts, within the 30-day timeframe required by law. Additionally, I request that you send me an updated copy of my credit report reflecting any corrections made. 
For your reference, I have attached a copy of my credit report with the disputed accounts highlighted. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Hi my name is XXXX XXXX. I am writing to report the unfair practices of XXXX XXXX XXXX XXXX. It has been over a year since I have requested information about my Discover Account. Each time the company has asked me to write an email to a manager or to call back within a week. I was even working with a debt relief agency and XXXX never responded to them to confirm the debt or to provide details on how to resolve this issue. During the last 3 months I have called repeatedly to inquire about this debt. Each time, I am told that the account is on hold and the specialist can not discuss details of the account because they are not an attorney. 

I need XXXX to validate this debt in writing and give me the opportunity to pay it off. I must resolve this debt so my family can purchase a home or find housing in general. Due to this issue not being resolved, my process has been delayed and now my family and I live in a XXXX  to avoid being XXXX. 

Please help as this has caused my family a lot of pain and stress. I am not trying to negotiate a debt. I just want to know what is owed so I can pay it in full. They dont have to negotiate with me, but they must allow me to pay the debt. This practice is u fair and unjust. The debt assistance program and loan officer are baffled by this.
Product: Mortgage

CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts. 
Re-Mortgage. 
I had previously started a complain through CFPB ( XXXX ) which they closed because they said they tried to reach me. The first time they called I was in a meeting and stepped out to take the call, in speaking with the representative I asked if we can schedule a call to which he answer he would call me back. I did received call from wells Fargo but they were during working hours and I missed the calls. they are really not trying to help the consumer. So, they closed it. Well is not that simple, therefore I am requesting everything to be in writing. Further more I am requesting Wells Fargo Mortgage for the following : 1. A complete Forensic Audit of my account 2. The Original Promissory Note 3. Any and all assignments of mortgage done without my authorization 4. an explanation of the audit which may include all but not limited to charges, fees, assessments, balance transfer etc. 

I am demanding to have them have it In Writing within 30 days. FRAUD IS CRIMINAL AND JUSTICE NEEDS TO PREVAIL. 

Furthermore I request Wells Fargo Pays the amounts due based on the CFPB plus 10X the amount due to pain and suffering.

Wells Fargo is not helping and does not make it easy for affected parties with concerns to answer our questions, call this number call that number and at the end- nothing. I requested the simplest thing : tell me whether or not you have or will send me a letter telling me if you considered that I was affected. of course I was!!!!! I have to wait with he million of people to see if we ever going to get a letter. they can do better than that!!! I get the wait in line but they know who they wronged.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my report dating from XX/XX/year> to the present. According to FCRA, these inquiries have to be linked to an account or account number. I have no account or account number for any of these inquiries.
Product: Debt collection

I received a letter from Capio Partners and i sent off a Debt Validation to this company over 45 days ago and they're just responded to my validation letter. This company didn't provide proof that I owed debt except they sent computer printouts but nothing with my signature on it, and also this alleged debt was paid via a lawsuit from car accident of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid19, l had a payment waiver with Navy Federal Credit Union. I was in the payment waiver program when they erroneously reported to the three credit bureaus that I was 30 days p/d. The date was XXXX, 2021 and amount $ XXXXThey admitted the error but has failed to correct the problem. Please have this wrong information delete from my credit profile!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted Midwest Recovery Systems who is the collection company handling the accounts. I've asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that MRS looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. XXXX by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
Midwest recovery systems XXXX XXXX XXXX XXXX United States Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm always referred to a pre-Adverse action on every back ground check in the state of Missouri I can't get passed the background check I am always up front about my past affairs but the go back to 2000 looking into my record it has hender me from alot of good jobs and they take q month too come back to tell me I didn't get the job cause whatever is on my record it kills me. Please call me XXXX
Product: Payday loan, title loan, or personal loan

My XXXX  was originally signed through Suntrust. The problems began with the merger that resulted in Truist. Truist customer service is abysmal. I was unable to establish an online account and kept receiving error messages. When I call, the call center has wait times of over an hour. After waiting for XXXX min, I was dropped. When I attempted to get information at the branch, the XXXX has to call into the same call center and wait on hold. I am currently waiting for a call back from the branch XXXX at the XXXX, MD branch. I simply need a payoff letter to sell the property and settle. The title company was also unable to reach the bank.
Product: Checking or savings account

In 2015, I opened a checking account with Bank of America ( BoA ). The last transaction date was XX/XX/15. At some point after that, the account was closed. At that time, I had a balance of nearly {$960.00} in the account. When I log into my BoA account, I can see the balance listed under My Portfolio, but there is no way to access the funds. I realized this sometime around XXXX of last year, and called BoA about it. They told me that their system shows a balance of {$XXXX} at the time of closure. They say that the money must have been passed to the State of Missouri ( the address on the account was a Missouri address ) as unclaimed property. I have checked the publicly-accessible unclaimed property databases, but there is nothing under my name. I believe the funds were never passed to the state.