23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/2017. I received a letter from my bank that my credit and fica score drop less than XXXX. I have had a 800 + score for 25 years. When I inquired to my bank they referred me to Discover   student loans. I called the loan company and asked what this matter was about. I had never had a student loan. They explained that a student loan was taken out by my son with the same name years prior. The payment was not made and a non payment was issued to his report. I found out then I was the cosigner. I have never signed nor authorized and such cosigning document. When I asked Discover to produce the document of my signature they could not. They have held me liable to pay by threatening legal action if I dont pay this bill that I did not authorize. I need to see if my name and ss # can be taken off the loan and place the rightful person to the owing of the loan. In addition they have packaged the loan together connected to the fed rates and adjust accordingly. Seemingly that will cause the loan to spike up through the years. Making it more difficult to pay down. The compounding interest rates are compounded over and over each other never letting the principle go down. I have been making payments to the accounts but I am not seeing the principle adjustments applied correctly. I asked Discover student loans to investigate, only to get no help and no documentation to support there findings and no resolve. In removing my name.
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 Cunsumer 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 do not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

An unidentified person called requesting my last name. 
XXXX XXXX XXXX XXXX name was never XXXX. 
This unknown person stated that the XXXX XXXX XXXX not have a XXXX XXXX account XXXX 
THEN THIS unknown person asked for my secuirty number. I would not provide my SS to an unknown. 

Please respond with the document # this unknown agent provided. 


Also, I am very happy with my banking acount at XXXX. I have not authorized any new bank openings. I have not resided in Colorado. I have not opened acounts for anyone under my name Why are unknown people calling me from the XXXX office on a Saturday?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 provided a Credit Score to the XXXX XXXX XXXX XXXX a score of XXXX however less than a month later XX/XX/2020 XXXX XXXX Credit Score was given of XXXX. I haven't missed a payment on any of my accounts in 7 years my Credit Report will reflect that Equifax compromised my information along with thousands of others. I was able to remove 1 Account that was created in my name. I was never given the Credit Monitoring Service as promised in the settlement. I have written Equifax several times asking why my scores were 50 to 100 points lower than the other Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing late payments on my account with the credit bureau and asked them to show me the method of verification since they continue to update the account after each investigation yet they have not complied with my investigation request. I have not gotten any document showing these late payments are accurate 1. XXXX XXXX XXXX   XXXX Account Number XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX 2. XXXX XXXX Account # XXXX Late payment XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was opened in my name on XX/XX/2019 by Navy Federal Credit Union with a current balance of {$7700.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Checking or savings account

SchoolsFirst Federal Credit Union has closed my account and garnished my social security payment for XXXX leaving me unable to pay my rent. This put me at risk for eviction and XXXX. It is my understanding that garnishing social security payments is disallowed because it is considered protected income. 

SFCCU has told me they have done this because I have been unable to make my Mastercard credit card payments ( which had been active for the last 25 years ). I have had to stop making payments because I have a limited income, have been challenged by unemployment, and the need to travel to and from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) who have had several serious medical issues requiring XXXX  This has prohibited me from working full time. 

I respectfully request that the CFPB intercede and have SchoolsFirst FCU give me access to my social security benefits immediately so I can pay my rent ( due today ) and to continue to give me access to my social security funds for subsequent months so that I can remain in my home. I can not afford to move. 

Thank you for your time and consideration. 

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

I was told that this information was no longer on Equifax but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on XXXX as well.
Product: Checking or savings account

I tried using my debit card on Monday the XXXX, it was declined, I called the bank they stated that they are closing my account with no reason or explanation. I called multiple times to get this fix, its still no response. They have my money XXXX dont have access to any type of money at all. I have XXXX kids to feed and my next paycheck not until XX/XX/01. What Im supposed to do for next XXXX week without any money. Ive been very stressed about this situation. I will be bring this to social media. Its unfair and its not right. Chase bank is horrible
Product: Debt collection

I spoke to a representative from Weltman, Weinberg, and Reis today and they told me they were planning on filing a lawsuit against me and placing liens against my assets. I barely had time to review the documentation they sent to me. I had agreed to pay XXXX a month for XXXX months as a temporary hardship arrangement. The representative agreed to but they said they would still file the suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX, XXXX, Experian, and Borrower Defense Department. 
Nothing has been done or verified. Per the terms of Borrower defense discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX XXXX Agrees to {$100.00} XXXX Settlement with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Southwest Credit Systems for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account named XXXX  under account number XXXX being reported by both Experian and XXXX. Both accounts have been disputed by me to espirian and XXXX and said disputes were denied and all information in credit report was deemed correct and verified by both agencies.Both reports are being said to be tru and correct. Contrary, both reports differ in _______ different ways but yet both are considered verified and updated. Each report has different information reporting. Since this is the case, both reports can't be correct and verified as accurate. The errors showing on both reports are : One ( 1 ) - Experian report shows high balance as XXXX and XXXX shows high balance as XXXX. Two ( 2 ) - Espirian report shows date of last activity as XXXX and XXXX shows date of last activity as XXXX. Three ( 3 ) - Espirian report shows date of last payment as XXXX and XXXX report shows date of last payment as XXXX. Four ( 4 ) - Experian report shows last payment made was on XXXX. Contrary, in or on same Espirian report, in the 2 year pay history calendar, it shows last payment made was XXXX. Both can't be correct. Five ( 5 ) - XXXX report shows last payment made was on XXXX. Contrary, in or on same XXXX report in XXXX history calendar, it shows account was 60 days late in XXXX. Both can't be correct either! Six ( 6 ) - Espirian report says XXXX was paid/ o.k.. XXXX report says XX/XX/22 was 30 days late. Both can't be correct. Seven ( 7 ) - Espirian  report shows XX/XX/22 as 30 days late and XXXX report shows XX/XX/22 as 60 days late. Both can't be correct also! Both reports show 7 errors that can't be verified by Espirian or XXXX as true or correct when both reports differ greatly and have such a high amount of errors for dispute.
Product: Mortgage

On XXXX XXXX at XXXX AM I called Seneca Mortgage Servicing and spoke with XXXX. I requested information about having PMI removed from my loan. I explained that I had made several improvements to my home, but the majority had taken place before the refinance. He said that improvements would be excluded if they were included in appraisal when we refinanced. However, we had a computer appraisal so the improvements we made were not included in that appraisal. There was no way for the lender to know about the major improvements that had been made. In that case, He explained to me those improvements would not be listed in the XXXX or computer appraisal. They would be considered among the improvements that could count toward the PMI removal. I asked him how certain he was of this information. He said he was very certain. Based on this discussion, I decided to move forward with having my home appraised for {$450.00}. I sent in the check and had my home appraised a few days later. 

On XXXX XXXX I called Seneca Mortgage Servicing to determine the status of the PMI removal. I had a XXXX hour conversation with XXXX. I spent most of my time on hold. I was told that the appraisal had not been received. However, they wanted me to submit proof of improvements. They said that they wanted to know when the improvements had been made so that they could determine if they resulted in the increase in market value. I explained the conversation I had with XXXX. She said that none of the improvements before the refinance could be considered. I explained that if I had known this information, I would not have proceeded with the PMI removal request. I felt that Seneca knowingly mislead me into providing them with {$450.00} for an appraisal that they knew would not result in the removal of PMI. 

Furthermore, XXXX refused to explain what was defined as a significant improvement. In addition, she refused to provide the ratio of money spent on significant improvements and it 's relation to market value. Finally, she said that the appraisal had not yet been received. Yet, she quoted the appraisal several times, noting that the appraiser had noted that the kitchen had been remodeled XXXX5 years ago and Seneca needed more documentation regarding the improvements. 

When I called again on XXXX XXXX, I was told that the appraisal had been received on XXXX XXXX, XXXX day before my conversation with XXXX. On XXXX XXXX by fax and XXXX XXXX, XXXX, and XXXX by phone, I requested a fax and mailed copy of the appraisal. Only received it by fax after the request had been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my consumer report and discovered identity theft committed on my consumer report as I never gave consent to, authorize nor did I benefit from any of the following Hard Inquires : 1 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX as Pursuant to Federal law FCRA 15 USC 1681a ( d ) ( 1 ) states that said Hard inquiries are indeed consumer reports ; and pursuant to 1681b ( a ) states that any consumer report agency may furnish a consumer report under the following circumstances and no other pursuant to 15 USC 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates and I The consumer never gave Equifax nor did I give XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX instructions to furnish any of the said consumer reports on or in my credit file which makes them civilly liable pursuant to 15 USC 1681n for a consumer report is indeed my reputation. On XX/XX/XXXX I sent Equifax an identity theft report requesting and demanding that they block and remove the said Hard Inquires from my credit file. It is Equifax position that the processing of my credit file has not been in accordance with all applicable laws and I am therefore demanding monetary compensation For {$1000.00} per Hard inquiry ( consumer report ) ; {$25000.00} per Hard inquiry a total amount of {$52000.00} to be sent as check. I have sent the identity theft report certified Mail with the a cover letter and 605b letter attached certified mail number XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital systems LLC opened and put a report on my credit report called XXXX XXXX. I have never heard of it and also put a open date of XX/XX/2022. I believe this is fraudulent activity and needs to be removed from my credit report.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX I accidentally transferred XXXX} from my checking account at Bank of America to my credit card ( I meant to send it to my savings account ). The credit card was recently paid down to a balance of {$0.00}, so when this payment went through, my credit card balance was - {$2000.00}. Upon noticing, I immediately contacted BoA and attempted a stop payment on XX/XX/XXXX. They were unable to perform this action and the payment cleared on XXXX XXXX. I have been on the phone with them every day since and got a request approved to expedite the refund on Friday XX/XX/XXXX. I was informed the money would be refunded to my checking account in 2 business days, which was yesterday, XX/XX/XXXX. 

Yesterday, upon checking my account and finding the money had not been refunded, I again called the XXXX services dept of the BoA Credit card division and spoke with the same supervisor who approved the expedited refund last Friday. She informed me that the refund would be processed last night and hit my account this morning. They assured me of this. 

Today, I checked my account, and there was still no XXXXXXXX credit to my checking account. At this point I am completely livid. A simple mistake of pressing the wrong button in Bank of America 's banking app has resulted in hours of wasted effort on my part and the headache of having a balance of XXXX in my checking account for what will be at least 2 weeks. Additionally, my only form of money right now, my credit card, is constantly being locked due to " suspected fraudulent activity '' and restricting me from making any kinds of purchases. I have had bills flagged for late payment notice, and am in danger of having my cable internet service shut off due to inability to access these funds. 

Supervisor in the comsumer credit card services dept XXXX XXXX is the last person I spoke to and I informed her of my intent to file this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did requested a thorough investigation done through all credit bureaus ( Transunion, XXXX, and XXXX ) and they did state that it was accurate and I did and double investigation myself and it is inaccurate. I have made several attempt to resolve this issue with the credit reporting agencies. I have been trying to resolve these issues since early 2022 and as of today no avail. 
According to the In accordance to the fair credit reporting act the following accounts has been verified and has violated my rights. 
XXXX XXXX - no account number available Amount : {$720.00} XXXX XXXX - Account number XXXX Amount - {$5900.00} XXXX XXXX XXXX, XXXX XXXX N/A Amount : {$580.00} XXXX XXXX XXXX XXXX N/A Amount- {$580.00} 15 U.S.C 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 Section 2 Agency can report anything on your credit report without have written instructions from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 ( USC 1681. 

Account name : XXXX XXXX, Account name : DPT ED/ 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 stat s 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 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 a handy if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 04/02/2024, and I have not yet received a response.

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 Number : XXXX - has violated my rights. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item 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 ) 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.