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

XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX IN XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

Upon thorough review of my credit report, I have identified several accounts that contain erroneous information : Bridgecrest XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. 

I have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all XXXX credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. 

Thank you for your cooperation.
Product: Student loan

I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.
Product: Student loan

I mistakenly selected a private student loan from Navient while trying to apply for a Federal student loan because Navient mingled the private loan with Federal student loans. I made payments for years, and suddenly Navient increased my monthly payment amount to more than double. They actually had lied to me that they would decrease my interest and payment in the near future and that they would apply all the money I paid to defer the loan, in the past, to my principal. 
Unable to make the increased payment, I called Navient to negotiate. I have a recording of the call. A Navient agent categorically refused to negotiate and demanded instead that I pay the entire balance of the loan, even though I had not defaulted. When I told her that I do n't have the money, she asked me to transfer the entire balance of the loan to my credit card. She claimed, erroneously, that I have a credit card that I can use to transfer the balance and suggested that I do that because there is no other solution for me. The agent then threatened that Navient will destroy my credit rating as well as that of my wife, who co-signed for the loan. When I suggested that bankruptcy could be an option for me, she laughed and told me that Navient will not go to bankruptcy court with me. She further threatened that Navient will harass both my wife and me with phone calls until we pay the entire balance of the loan. 
Because I have a XXXX, I was very concerned about the potential XXXX that such telephone harassment could cause to my health. I therefore pleaded with her not to harass us with phone calls, and even threatened to file a lawsuit if they go ahead with the threat. I immediately requested, in writing, that Navient should only contact us by email and postal mail as they had done previously. Navient, however, proceeded with its threat and started calling us, as many as ten calls some days. I requested multiple times, in writing, that they should stop calling, but they refused to stop. I even sent my XXXX XXXX, showing that I have a XXXX, and informed them that I have had to seek XXXX for XXXX stemming from their harassment. Navient still refused to stop calling. I was under such stress that a part of my body started to swell, which will later turnout to be XXXX. I am convinced that my XXXX is likely caused by the XXXX that Navient caused. 
Navient only stopped calling when I found an attorney who called them and told them that he will file a TCPA suit. 
I have the recording of my phone conversation with Navient and I would like to submit it as evidence in your lawsuit against Navient. I would also like to appear as a witness if you can find me useful. 
Thanks.
Product: Student loan

Aidvantage is a nightmare. It always takes OVER AN HOUR to get through to a representative. Once you get someone, they are unhelpful, standoffish ( XXXX hung up on me ) and give you incorrect information about your loan. I've been trying to switch my repayment plan to SAVE for weeks now, I thought it was complete after speaking with a rep, then a week later I get another letter from them saying, you have to call us if you watch to switch your plan, so apparently the person on the phone that I had to wait an hour to speak with, did absolutely nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX to put a loan on my credit report and XXXX XXXX  XXXX  I did not sign any documents by mail or received any mail sign by me with my actual id social and written signature. ( 1 ) account : XXXX XXXX  XXXX  account number : XXXX ( 2 ) account : XXXX XXXX XXXX account number : XXXX Please block this information from my credit report and remove it pursuant of section 605b of the fair credit reporting act which require you to block the fraudulent information on my credit report resulting from identity theft with four business days and to promptly notify the furnisher ( s ) of that information
Product: Debt collection

I received a call from a ladys starting she is a attorney representing XXXX XXXX, and that she is needing my Checking/Routing numbers saying that she needs to take money from a checking account. She then started I could continue to make my agree 'd payments of {$50.00} for 3 more months, and that I would have to pay {$100.00} payments after that. She then threatened to take my license, or have it suspended if I did not start making {$100.00} payments. 

They are using illegal practices for collection as started in the Fair Debt Collection Practices Act
Product: Debt collection

The debt collector named NCB Management Services Inc. or XXXX is XXXX XXXX XXXX and calling her about my debt that is fraud. They called her XXXX times and were rude to her too, demanding she tell them where I am and that I am there, but she is lying to protect me. My mother lives in XXXX XXXX  and I live in XXXX, so there is no reason to call her several times about my situation. She is a XXXX XXXX  and causing her XXXX and XXXX!
Product: Checking or savings account

Closed the account with Chase on XX/XX/XXXX and asked for the bank to send the reminder as a check to my place. It has been over a month and never received the check. Called the bank and they said I have to either go to a branch to do the paperwork or do a notary document then send it back before they void the check and resend a new check.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX/XXXX/2023
Product: Student loan

I have multiple loans, both private and federal, and I have  XXXX  agreement with  XXXX   XXXX   XXXX  of  XXXX  dollars monthly, this is not the orignal loan provider they bought the debt, I have been paying for 2 + years on time and I just recently found out that I am only paying  XXXX  dollars monthly to my principle balance and the rest goes to intrest. This is robbery!! I am an   XXXX   and if I was current with all of my loans I would not be able to feed my family,! I need help. I was also scammed by a student forgiveness program called  XXXX   XXXX  for thousands of dollars and I am in the process of trying to get that back. The college I attended has been shut down and is no longer in business. Please help.
Product: Debt collection

A collection agency sent me a notice of a debt I was told I owed from XXXX. I was notified of it in XXXX XXXX. I was told that if I paid the total amount minus the {$110.00} ( a discounted amount ) that the debt would be paid in full. I did not contest the bill, and paid the amount as requested. Now, this 'discounted amount ' shows up as a 'collection amount '. That 's a surprise to me! I kept the letter stating this request, so I have proof.
Product: Mortgage

Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ), kept sending the keys to some other address, then we got a Sheriff 's Sale notice. We 're not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of XXXX our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. 
XXXX Bless and thank you, so much in advance for whatever you can help us with. 
XXXX XXXX XXXX
Product: Mortgage

I am unsure of how I have gotten to this point of this juncture as I was very persistent with my communications with my Servicer SPS Servicing. We spoke on occasions that the pandemic influenced moratorium exercises did cause a bit of delinquency. I thought the outcome at this juncture would be much better after conversing with Relationship Manager XXXX and Obudsman XXXX, in which they assured me of no issue in assisting with retention. 

On the XXXX or XXXX of XXXX I sent in my modification documents and I am simply asking for them to reinstate my mortgage due to hardship. My daughter is still in XXXX XXXX, and brother still scheduled for a XXXX XXXX. Currently I am taking a XXXX XXXX XXXX XXXX so that I could be an assistant to my brothers ' needs. 

I am in a hardship situation at this moment coming out of the Pandemic with all the other issues surrounding me.
Product: Debt collection

CFPB Complaint ID XXXX - It is now over 30 days since the company replied to my complaint stating that I would receive validation of the account and I have not received ANYHTING even after sending 4 letters requesting this validation over the span of 90 days. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY REPORTS AS THEY CAN NOT COMPLY WITH MY REQUESTS OF VALIDATION. 


I have sent at least 6 letters to both the Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX and Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXXXXXX, WA XXXX addresses over the span of 90 days and haven't ANYTHING back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 l seek appropriate redress for these violations.
Product: Checking or savings account

My wife and I attempted to transfer {$200000.00} from our KeyBank savings account to a Fifth Third Money market account on XXXX via a KeyBank Official Check ( copy attached ). On XXXX XX/XX/2023 we received a letter ( copy attached ) from XXXX XXXX informed us that our account was on temporary hold : Confidential information that check XXXX not be paid. In a XXXX XX/XX/2023 letter XXXX XXXX states : Reason for hold on deposit : Confidential information that check may not be paid by the paying bank. It appears from the letter that XXXX XXXX Bank is stating that KeyBank for some confidential reason XXXX not be paying the check, however we request that KeyBank investigate and provide details and clarification why the check was not paid. After all we paid {$8.00} to have this check processed by KeyBank and a very large sum of money was subsequently held from us for an unreasonable period of time. There is absolutely no reason why this information should be " confidential ''.
Product: Debt collection

Hi, my dad paid cash for his and my mom 's home in XXXX. He took out a loan for {$45000.00} in XX/XX/XXXX and he is the only one that signed the Note. My dad was paying the loan until he passed away in XXXX. My mom then started making the payments on the loan. Over the years, the loan went to several companies ( from XXXX to XXXX, from XXXX to XXXX, from XXXX to XXXX XXXX, from XXXX XXXX to XXXX XXXX from XXXX XXXX to XXXX. When XXXX had the loan in XXXX the " house '' went into Foreclosure. Mom spoke to an attorney and the case was dismissed. The house which is a mobile home has a title. There are no liens on the tittle for the house that is registered with the DMV. In XXXX, XXXX talked to my mom and they had my mom to sign a loan modification. In XXXX, mom was paying XXXX through draft but it stopped in mid XXXX. XXXX wanted mom to send in paper work and for her to sign documents, but she wouldn't do it. They no longer took the payments and that's when the foreclosure threats began, so she got an attorney. We went to court a few times this year and each time it was continued. The Attorney received a response from the lender and the letter states that this loan is a XXXX month loan term which my mom didn't know anything about, she was older and believed what they had said. After 20 years, the principal amount is showing {$49000.00}. My Mom passed away XX/XX/XXXX due to illness. On XXXX XXXX, XXXX, the judge signed for the foreclosure. I paid the attorney {$250.00} to get it appealed. We will be going to Superior Court for the same thing that got dismissed before. This has brought so much stress, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names, numbers and addresses that are not mine, and that is not correct. I wish to get this resolved immediately.
Product: Credit card or prepaid card

On XX/XX/2021, my Barclaycard Rewards Mastercard was stolen by thieves. The thieves drove off with it and immediately went to a nearby commercial center and began using it, including stopping at a gas station and filling up. I received a fraud alert from Barclays which is when I realized my card had been stolen. I immediately had Barclays deactivate the card and send me a new one. I contacted their customer service department several times, listing out what had happened, and every single fraudulent transaction that occurred that day. In fact, after my real transaction that day at a XXXX, every single transaction that occurred afterward was fraud/theft. Those were the last transactions on said card. 

For some reason however, their fraud department keeps insisting that the transactions are valid when in reality they are absolutely not. I have tried and tried to explain this simple situation to them, and have called them dozens of times with this same issue. Each time I am redirected to the " fraud '' team where I am subsequently sent onto a two hour hold ( 2 hours at least, I usually hang up after wasting 2 hours for them to answer the phone ). So far I have not heard anything back from them. 

Worst part of this all is that this card is fully paid off, and now they've added the stolen transactions onto my account and are trying to tell me to pay them off, including interest, WHEN THEY ARE ALL FRAUDULENT TRANSACTIONS. What makes this even more infuriating is that they've already found a couple of these transactions on XX/XX/XXXX to be fraudulent, yet have found others to be valid, seemingly at random, despite that some of the transactions occurred after the ones they've admitted were fraud, chronologically. So not only are they insisting that I'm lying or delusional, their own audit logs or judgment seems I already got robbed in real life, now Barclays is trying to rob me again. This is coming from a customer who had the card for over 10 years, back when it was first called the XXXX rewards card. This is how they treat their customers who have been loyal and responsible but are unlucky enough to be victims of crime.
Product: Checking or savings account

I have not received my direct deposit for my paycheck with Capital One, they've been having " technical issues '' since XX/XX/scrub>/25. I recieve my checks on Thursdays and it's already Friday and still haven't received my direct deposit. I have bills on autopay and bills I still need to pay but can't because of the " technical issue ''. They should be responsible for late fees and returned payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, AccountXXXX, Creditor : 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 an account without my written instructions.

This company reported wrong information on my credit report about the payment 's history.