23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XXXX I applied for a Payday loan with XXXX  in the amount of {$500.00} at a 390 % APR. At the time was unaware that in NJ paydays were not legal due to usury limitations. 
In XX/XX/XXXX I submitted a complaint with CFPB - complaint # XXXX since the loan had been sold to a third party debt collector who offered information that was inaccurate along with negative FCC reporting. 
XXXX did respond to the complaint, and stated they were undertaking to but back the loan, and once XXXX received ownership of the debt XXXX   would forgive the debt and settle account in full. 
However, I have received a document from WRA ( XXXX XXXX XXXX XXXX XXXX ) stating I owe {$500.00} from the original creditor being XXXX   with a balance of {$500.00}. Also, they have labeled this debt as an EDUCATION LOAN. This is not only misrepresenting the debt .. it is also an inaccurate amount. 
I would appreciate clarification in this matter. 

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

I have contacted both bank & Experian to update my report. 
My only address THAT IS ASSOCIATED WITH ME is XXXX XXXX XXXX XXXX, XXXX XXXX, AR, XXXX XXXX XXXX XXXX, AR XXXX. 
By law, everyone other account should be removed from my consumer report. 
I also have paid my car loan off, and this has not been marked paid in full on mine or my husbands consumer report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS RECEIVED 5 OR MORE DISPUTE LETTERS ASKING FOR TRANSUNION TO SHOW ME CONTACT INFO OR THE ORIGINAL CONTRACT, BUT THEY NEVER DO
Product: Credit card or prepaid card

XX/XX/2018 abrupt closure of two accounts ; 1 MC & 1 VISA.
Product: Money transfer, virtual currency, or money service

Hello XXXX Thank you writing. I am one of the escalation managers handling cases for the Liquidation department. A review of the attachments received shows the borrower is offering {$1000.00} to settle the deferred principal balance amount of {$60000.00}. I am reaching out to let you know that there is only one lien on the property which is with Ocwen and we do not do settlements on part of the principal balance that is owed on loans. That is not an option. Borrower can call customer service at XXXX and schedule an appointment with the Relationship manager to discuss other loss mitigation options. I can assist if the borrower would like to sell the property. You may visit the below link for mortgage assistance options : XXXX XXXX XXXX XXXX Thank you Regards, If you would like to submit a notice of error or information request, please mail the request to Ocwen Loan Servicing LLC | Attention : Research Department | XXXX. XXXX XXXX | XXXX XXXX XXXX, FL XXXX XXXX XXXX Escalations Collateral Based Solutions. Ocwen Loan Servicing, LLC Work : XXXX ( XXXX ) XXXX XXXX www.ocwen.com To : Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX From XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX Re : Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} At this time, I am writing to offer Ocwen Loan Servicing {$1000.00} to settlement and fully release of 2nd lien Loan Deferred Principal Balance of {$60000.00} from the property of XXXX XXXX XXXX XXXX MN XXXX loan number XXXX. We have done everything in our power to make ends meet but unfortunately we have fallen short and ask that you to consider to settle our2nd lien Loan Deferred Principal Balance in full. Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} would fully release all personal liability and the lien from the property located at XXXX XXXX XXXX XXXX MN XXXX loan number XXXX A payment was applied to loan number XXXX XX/XX/XXXX for {$8700.00}. I would like this payment to be considered part of the Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} With the home valued at {$190000.00} and 1st mortgage balance at {$180000.00}. A foreclosure would net the 2nd lien Loan Deferred Principal Balance {$60000.00} nothing.. We personally, want to make a good faith effort to Ocwen Loan Servicing pay the {$1000.00} that we are offering. We have the means to obtain this amount for our settlement offer now. And as this 2nd lien Loan Deferred Principal Balance has been included in a chapter XXXXbankruptcy action, you would not get any of the balance owed. I would appreciate your timely acceptance of this offer. As this offer will expire 30 days from the above date. XX/XX/XXXX Sincerely, XXXX XXXX &
Product: Credit card or prepaid card

I AM A VICTIM OF IDENTITY THEFT. AS A RESULT SOMEONE OPENED A XXXX XXXX  ACCOUNT IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX IS STILL BEING REPORTED THIS ACCOUNT ISN'T MINE IT WAS OPENED FRAUDULENTLY THE FALLOWING INQUIRIES WHERE NOT AUTHORIZED XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores Rise Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX TRANsunion HAS FAILED TO ACT WITH IN FRCA REGULATIONS, I HAVE SUBMITED THE POLICE REPORT AND FTC REPORT. Transunion has 4 business days, per FCRA Section 605B
Product: Mortgage

- Key Bank & Covid -19 in NY - Once I heard XXXX stating 90 day mortgage Were not exempting people from the mortgage payments. Were just adjusting the mortgage to include those payments on the back end. The measures will be reassessed at the end of the 90-day period, XXXX said ( 1 ). 
I decided to look into this with my mortgage holder Key Bank, due to loss of work from covid 19. I spoke with a representative an she stated they would freeze XXXX an interest would still accumulate during those 3 months, there wouldnt be any late fees or any damage to my credit score. This individual then went on to state the 3 months would just be tacked on to the end of my mortgage term. This was great news so I decided to opt in an the rep went on to state that they would send me something in the mail an to not pay attention to it as it just their system generating the mailer notification an this was something special this freeze that Key Bank was doing. 

I then received the mailer an decided to open it an it had completely different info then what the rep told me, with things being in writing vs a phone convo I decided to contact Key Bank to be assured what the rep told me over the phone. The guy I spoke with told me they are doing forbearances an not doing extensions an that they would expect me after 3 months to pay a lump sum of the 3 months missed. I told him that I was told something completely different by first rep an asked how can they expect people who need a freeze to pay everything in one lump some right after a freeze. This program was not in the best interests of its customers to help them during these unprecedented times and that I was lead to believe. Once finding out that they werent freezing three months and tacking them on to the end of mortgage term ( which is what I was told by first rep ) I asked to be removed from this program an go back to paying my mortgage. This is a hardship for me with loss of work an lack of opportunities in my field due to social distancing restrictions in NY state. Key Bank doesnt have its customers in there best interest, we are just a number to them and its sad as I have heard some banks are doing extensions from online message boards. I wanted to bring this to CFPBs attention as I have also reached out to Governor XXXX, People could really use extensions during these hard times and its sad Key Bank doesnt really care to truly help its customers. 




( 1 ) https : XXXX? XXXX #
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to XXXX to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but XXXX has not responded to my letters. Please have XXXX to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

A bunch of unauthorized fraudulent inquires have been placed on my report
Product: Mortgage

I purchased my home with XXXX Mortgage nearly XXXX years ago. I was told that in about XXXX years I could refinance the loan at a lower interest rate. In about a year of purchase the loan was transferred to Greentree Servicing. Due to medical reasons I have fallen behind a few times and have requested numerous loan modifications. I have never ever received a response to any of my request. Recently I called Greentree due to a notice of default I received. I was finally informed that my loan does not qualify for modification because it was a previous XXXX Mortgage loan. This makes no sense to me at all.
Product: Credit card or prepaid card

I can not link my card to any third-party platform.
Product: Debt collection

This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to Authorize nor benefit from the following account ( s ). Block and Remove!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 
XXXX XXXX. {$0.00}
Product: Credit card

Dillards is reporting that I have a balance. When I called. there is no record of me.
Product: Debt collection

Left a voice mail on my phone threating to serve papers at work, they also spoke to my supervisor, and told her they were going to serve papers XXXX at work. Then this person threatened me with criminal charges. Check fraud t be exact.
Product: Money transfer, virtual currency, or money service

XXXX is an on-line bill payment service operated by Quicken Loans and provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. ( XXXX ) a unit of Fidelity National Information Services. 

XXXX is in violation of 15 U.S. Code 45 and other federal and state consumer protection laws. 

( a ) Declaration of unlawfulness ; power to prohibit unfair practices ; inapplicability to foreign trade ( 1 ) Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. 

XXXX is engaging in a deceptive, ongoing, widespread, and systematic attempt to defraud consumers, via automatic checking account withdrawal, for monthly fees for unused services which have been previously cancelled. 

XXXX creates a costly and unreasonable administrative burden on the consumer to cancel a bill-pay subscription and unconscionably and unfairly relies on the extraordinarily high cost of compliance with their cancellation policy in relation to the correspondingly small amount of their monthly fee to effectively bar subscribers from cancelling their subscription. 

Between XX/XX/XXXXand XX/XX/XXXX ( 12 years ) I was charged {$10.00} per month ( as much as {$1500.00} ) for an on-line bill pay subscription I did not use, and for which I still seem to be unable to cancel. 

I had a XXXX account since the year XX/XX/XXXX. XXXX, through XXXX, charges XXXX per month which is deducted from my checking account for bill paying service. I have not used the service, other than to pay an ACH deduction to XXXX for fees, since approximately XXXX ( and probably before then ). I  have attempted to cancel my account multiple times since. I am still getting charges deducted from my bank account for this service. The last attempt to cancel the service occurred on XX/XX/XXXX I have an email from XXXX support stating that they would deactivate the account. Subsequently, on XX/XX/XXXX I  received an email stating that they are going to debit my checking account for a service fee on XX/XX/XXXX. Multiple calls to the offshore customer service center ( XXXX ) did not resolve the problem. This has been an ongoing issue for years due to the relatively small amount of the monthly service fee vs the time and money it cost to fully resolve. 

XXXX XXXX XXXX XXXX, through its subsidiary, XXXX XXXX, provided financial technology services, software and financial services regulatory advice and consulting to its customers, consisting primarily of small to large sized financial institutions. The {$1.00} XXXX organization was headquartered in XXXX, Wisconsin, and employed over XXXX employees in 35 U.S. cities. On XX/XX/XXXX,  XXXX was acquired by Fidelity National Information Services.
Product: Debt collection

Due to the public health emergency, my loan was under deferment until it was paid off in XX/XX/2021. I contacted PNC to find out why they have reported my loan as delinquent for the past 20 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccuracies present on my credit report, as well as the persistent failure to rectify these errors despite multiple dispute attempts. My aim is to bring to your attention the ongoing issues I have faced in attempting to have my credit report corrected and to request your immediate assistance in resolving this matter.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX ( the Fraudster ), who involved me in making deposits for a total amount of XXXX CAD from my Trust Wallet account to a fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached out to XXXX, Equifax and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from alleged identity theft but I have items left that need to be removed or blocked. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Student loan

I was charged interest for my loans when its supposed to be 0 % currently.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 
Under code 15 USC 1692g, 15 USC 1692c & 15 USC 6802 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
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 fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Student loan

I filed an application for the XXXX XXXX to Repayment program in XXXX to seek loan forgiveness for the loans I accrued while at XXXX XXXX when owned by XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX my application was denied without adequate consideration and explanation. Our case with XXXX has been reopened ( loans are still in administrative forbearance ) due to a court ruling, to my understanding. My complaint is that I've been waiting far too long for a proper decision about my XXXX application and there has been no communication from the Department of Education about what is going on.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Product: Checking or savings account

I am writing to you because Bank of America for the past 24 hours, actually more than that, has denied me access to my account. I have called and been transferred and/or given a different number to call 10 TIMES!!!!! No one can tell me why the account was frozen and even more shocking no one has unfroze the account. 

That is stealing, that is theft, I believe that the legal terms would be robbery, fraud and the list goes on. I work hard for my money, and I am here 24 hours without access to MY money and no reason as to why! When I asked about compensation for the stress caused and time taken away from me without an apparent reason as to why I was told that Bank of America does not compensate for mistakes. I have recordings if you would like them. 

I recorded all the calls with the poor customer service displayed by BOA. I went to the branch location on XXXX and XXXX in California and that sad excuse of a manager XXXX, had me waiting for half an hour and left through the back! 

At this point I just want my money and compensation and I 'll leave the bank. I have been a loyal customer for 20 years and this is the treatment I get.
Product: Mortgage

I am XXXX of the XXXX XXXX XXXX and Im starting to feel as if this company is trying to avoid me. I contacted this institution simply for a waiver for the attorney to speak with you in regards to paying the mortgage in full now. Yet I get no response and here I am over a week later waiting? I am asking again for the waiver. My father served over thirty years in the XXXX. Nobody deserves this kind of unprofessional treatment.