23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I XXXX  from XXXXXXXX XXXXXXXX  University with a XXXX XXXX XXXX. I did not enroll in any college coursework between that date and XX/XX/XXXX. I applied for the SAVE repayment plan on XX/XX/XXXX via the FSA website. Per the FSA website and per Mohela 's website and automated phone system, my federal student loans should have been placed in forbearance while aspects of the SAVE plan are being litigated. However, as of XX/XX/XXXX, my loans are still in repayment status, and in XX/XX/XXXX, I was required to make a payment of {$480.00}. On XX/XX/XXXX, I will be required to make another payment in the same amount, and so on. I do not have the financial means to make such payments on a regular monthly basis at this time, hence the reason I applied for the SAVE plan, and per government statements, I should not be making any payments at all at this time. I have tried to contact Mohela by phone on XX/XX/XXXX and XX/XX/XXXX, but have been unable to reach anybody.
Product: Credit card or prepaid card

I have a fraud alert on my credit reports due to prior identity theft that requires manual verification of my application submission through a process of calling me at a number listed in the alert to confirm that the application should proceed. This is not a freeze or lock. 

I applied for the new XXXX XXXX through Goldman Sachs.  Almost immediately I received a rejection due to being " unable to verify my ID. '' Typically this results in a " we need more time to evaluate your application, '' followed by a call from an issuer 's fraud department to confirm my ID using their internal verification process, then proceeding to process the application. Goldman Sachs did not attempt to verify my ID and immediately denied the application without following the instructions in the fraud alert. 

I called into XXXX XXXX support, which ultimately ended up in an escalation to Goldman Sachs, who were unable to proceed and could not see the fraud alert on my credit report due to their automated system. Goldman Sachs was also unable to escalate the issue internally, denying that they had a fraud team capable of providing manual verification. 

Worse, the XXXX/Goldman Sachs system publicizes an alternate identity verification process that includes taking a picture of your ID with the device you're applying from - this process was never initiated.

Goldman Sachs advised re-applying, so I did. After a second rejection, I again called Goldman Sachs, and again escalated through four people who were unable to even see the fraud alert, much less process it, and who then suggested that I should remove the fraud alert from my credit reports then re-apply - leaving my accounts unsecured/insecure. 

For an issuer to suggest removing consumer fraud protections from a credit report because their automated system isn't properly built to handle fraud alerts. Past that, they're unwilling to follow established fraud protection procedures and have no manual process in place to validate consumer identity.
Product: Credit reporting or other personal consumer reports

I havent received my annual credit report from Global Payments Check Services. I want Global Payments Check Services to send and mail me a complete copy of my Global Payments Check Services Consumet Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several times to update all my personal information with my creditors for all 3 credit bureaus and they have not updated correctly. My information should all report as follows : Name : XXXX XXXX XXXX DOB : XXXX
Product: Consumer Loan

I believe this company is operating a loan scam that involved bank fraud and wire fraud among other issues. I kindly submitted a Privacy Act request giving them the opportunity to document how their business is legitimate but they failed to respond. They have worked with XXXX XXXX XXXX XXXX, XXXX where they create a fictitious debt obligation. However, there is no validation that any funds of value were actually loaned out to create any debt. They have XXXX other companies as well known as Universal Account Servicing , LLC and the Universal XXXX. These XXXX with XXXX XXXX XXXX XXXX, XXXX in some form or another have all tried to collect on the same alleged debt. How can XXXX or more entities be the legal CREDITOR to the exact same date? When questioned they back off quickly thus demonstrating their lack of legal legitimacy. They have violated perhaps several dozen laws, codes, and statutes not to mention not having the proper licensing to create loans like a bank and be a broker and dealer of securities. If they do n't resolve this I have no choice but to reach out to the United States Attorney.
Product: Checking or savings account

On XXXX XXXX I contacted Chime Bank regarding transactions that I needed to dispute from XXXX XXXX XXXX They charged my Chime card twice. Once on XX/XX/2023 for {$99.00} and on XX/XX/2023 for {$43.00}. I canceled the order on XX/XX/2023 and the company refused to refund me my money unless I paid them {$99.00}. I never agreed to these terms nor have I received any products from this company. I called Chime bank and submitted dispute claim number XXXX and Chime bank still haven't issued me a refund for these fraudulently charges.
Product: Prepaid card

On XXXX/XXXX/2016 I received an email stating my PayPal account had been limited, I immediately contacted PayPal to find out why. I was informed it was because I had failed to update the tracking for my shipments but if I would log in and update tracking the limitation would be lifted which I immediately complied. I waited 24 hours only to find out my account was still limited so I called PayPal again asking for clarification. I was informed my last XXXX shipments needed to show delivered before the limitation would be lifted again I complied and agreed to wait for delivery confirmation. On Tuesday XXXX/XXXX/2016 after delivery confirmation was provided I was informed I would have to wait an additional 72 hours for the limit to be removed, I requested to speak with a supervisor regarding all the hassle and misinformation I was being provided. I was informed by the CSR that my account was being limited due to my name being associated with a negative account. Once the supervisor got on the phone he XXXX informed me he would look into the account and get back with me after a 20 min hold I was told by XXXX that the hold had went from 72 hours to 180 days with no reason given other than it is PayPal policy that if they feel an account is high risk they can freeze account for up to 180 days. I was told I had 3 options either wait the 180 days and do not cause PayPal any issues and they would contact me and let me know how I can then get my money, option 2 wait 45 days call back into PayPal and request an appeal ( which I later noticed once logging into the site that I could not appeal ), option 3 contact my customers and ask if they would ship back at their expense or at my expense they items they had purchased and were completely satisfied with. I informed XXXX I would be taking legal action against PayPal since other than my name being associated with an account that is negative they have no legal rights to hold my funds. The negative account is not my personal account my name is listed as a backup contact and an authorized user in case the primary owner is not available. The phone call ended and I have begun steps to take legal action against PayPal. I was hoping I could get your assistance with this at a time where money is tight and trying to support a family on a single income having XXXX frozen due to no fault of your own can cause lots of issues. 




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

XXXX  report of account as derogatory is inaccurate account has been paid in full. XXXX  report of status as repossession is inaccurate. Experian last reported and last active date is inaccurate.
Product: Checking or savings account

Bank of America has opened 3 accounts under my name since February. I know its them because they use my existing email and theres no activity on the account when I call in. When I call in to report it, the fraud department closes it and does no further investigation. I know this is their employees opening false accounts to reach sales goals. This is another scheme like XXXX XXXX. This is illegal and something needs to be done!
Product: Credit card

XXXX. I reported fraudulent charges of {$690.00} found on my credit report to Capital One about XX/XX/year>. 
XXXX. Capital One sent me a letter dated XX/XX/year> stating they have signed documents dated prior to my fraud claim and that I will be responsible for the charges.
Product: Debt collection

To Whom it may concerned, Please do the justice and solve these on going dishonest conduct of Navient. I have filed the police reports and contacted them numerously explaining that these loans are not mine, and explained that I did n't even saw any of the original loan papers, they still pursuing me and ask me money to getting out of the situation. When I filed the police report, the detective me that I have to continuously contact them till they drop me. 

Navient Account number : XXXX, default balance : XXXX Forged cosigner School loans were accepted : XXXX XXXX XXXX, XXXX XXXX, CA I am an XXXX  from XXXX 28 years ago, had been diligent with my credit history in last 15 years as in A rating, but after this ID theft cosigner statue in defaulted 5 loans by my nephew XXXX XXXX, my credit score has been completely destroyed to D, from XXXX. 
Though I am not working, but a full time house wife, I had been paying on time on all my credit cards last 5 years, recovering slowly from D to C minus score. May be I am not good in explaining in English to them, or did n't do the proper respond with Navient, but I already sent 5 registered mails with police report copies over last 6 years to Navient whenever I had time, but still my credit are ruined becaouse of Navient and they are still after me causing so much stress grief with many illness. 

This student loan company XXXX XXXX, now changed the name to Navient is pursuing me through collection agencies almost every 6-8 months and finally last year, they said if I give in to pay the amount of {$8600.00}, then they will drop me out of the co-signer obligation of these defaulted loans from my nephew XXXX XXXX. numorously I explained that : these 5 default loans are not mine, my birth date is wrong and my address and employement were written as my sister 's by XXXX XXXX, not mine. Navient said they will permanently leave these 5 defaulted loans record on my credit history that my nephew stole my ID and forged loan documents. 

Now I do n't have anyone to ask to do the justice after numerous trials with Navient explaining these are not my loans, my credit histories are ruined and Navient do n't respond me any more since last year. My nephew XXXX XXXX is practicing law in XXXX XXXX, Ca, he lied to Navient that these loan documents were written by me. Also he drop paying the loans in XX/XX/XXXX, exactly 10 years after status of limitation is expired. Very typical white color crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Hard Inquiry report do not recall this inquiry please remove
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash A

pp ( 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act account Bankruptcy # XXXX, account Bankruptcy # XXXX, Account Bankruptcy # XXXX, account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXX XXXX # 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 a account with out my written consent.
Product: Credit reporting or other personal consumer reports

Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Credit Bureau Name [ Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information listed on my credit report. Please find my personal information and the details of the dispute below. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Social Security Number : XXXX Item in Dispute : Account Name : [ e.gXXXX XXXX XXXX ] Account Number : [ Account Number ( if available ) ] Disputed Amount : [ e.g., {$970.00} ] Date Reported : [ e.g., XX/XX/XXXX ] Reason for Dispute : This account is inaccurately reported. [ Briefly explain the issue, I believe this account does not belong to me, or I have already paid this amount in full, and the creditor has not updated the status. ] Request for Action : Please investigate this matter and correct the information on my credit report. If you find the account is not valid, I request its removal.

Enclosures : I am including the following documents to assist in your investigation : Copy of my credit report with the disputed account highlighted.

Copy of receipts or proof of payment.

[ Additional relevant documents, e.g., correspondence with the creditor. ] Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate this dispute within 30 days. I look forward to your written response regarding this matter. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- XXXX XXXX XXXX, LVNV Funding LLC, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified mail was sent out on XXXX XXXX
Product: Credit card

At the end XX/XX/XXXX for the period XX/XX/XXXX to XX/XX/XXXX we had a balance due of {$54.00} on a Menards Big Card, hosted by CapitalOne. We paid that off by check on XX/XX/XXXX, which was cashed by Capital One on XX/XX/XXXX. 

That was the last we heard from Capital One until - the end of XXXX when we received a bill from Menards ( Capital One ). The balance due was XXXX, but they added a {$25.00} 'late ' fee, bringing the new bill to {$180.00}. By looking up the receipt online, I find we charged {$150.00} on XX/XX/XXXX. We never saw a XX/XX/XXXX bill for that charge. 
I do n't think the late fee was warranted, as we had NO record of owing Capital One any money. Regardless - We decided to pay the bill and be done with Menards and Capital One. So we paid them the {$180.00} through XXXX XXXX XXXX on XX/XX/XXXX, who sent it to Capital One on XX/XX/XXXX. 

Capital One claims to not have received that money until XX/XX/XXXX, although XXXX XXXX shows Capital One took it on the XX/XX/XXXX. 

Now ( XX/XX/XXXX ) we get our XX/XX/XXXX statement from Capital One, where they add another late fee of {$30.00}, plus interest of {$4.00} for a bill that WE paid off on XX/XX/XXXX. 

Checked with the CU, they sent it to the right account, and confirmed when CapitalOne Acknowledged getting the funds. 
Called CapitalOne, they were n't helpful only telling me the CU mailed them a hard copy check, which is what took so long. Cancelled the card and told them to send me a final bill. 

After lodging a complaint with Menards - CapitalOne gave us a refund on XX/XX/XXXX of the late fee 's and interest. My complaint stands however as part of this companies record.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PUBLIC RECORD FRAUDULENT ACTIVITY U.S. BANKRUPTCY COURT CH XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Acco8nt name : XXXX Date of inquiry XXXX XX/XX/year> Acco8nt name : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listed as the original company when its actually wise loan Worst Delinquency on XXXX states the account is 90 days past due while XXXX statesCharge Off/Other Derog. XXXX states on XXXX last activity was XX/XX/XXXX but on XXXX states last activity was XX/XX/XXXX XXXX states on XXXX last activity was XX/XX/XXXX but on transunion states XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on transunion XX/XX/XXXX on XXXX also reported as foreclosure on XXXX last activity reported XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion. XXXX last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion and XXXX the balance on XXXX states XXXX but on transunion and XXXX the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on transunion last activity was XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion.XXXX  last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion closed date XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion.XXXX  last updated XX/XX/XXXX on XXXX XX/XX/XXXX on transunion XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX XX/XX/XXXX on transunion XXXX last updated XX/XX/XXXX on XXXX but on transunion XX/XX/XXXX closed date on XXXX XX/XX/XXXX but XX/XX/XXXX on transunion XXXX last activity reported on XXXX XX/XX/XXXX but on transunion XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the XXXX XXXX XXXX XXXX ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate
Product: Checking or savings account

On XX/XX/2023 at the XXXX, California branch, Chase Bank dispersed the funds and closed the bank account of my XXXX sister without my, my parents, or sister 's knowledge. Myself and sister were named as heirs in her will and these funds would legally have to be probated. We believe, they were dispersed to a non-citizen who may, or may not have submitted a false affidavit. Chase Bank would not provide the information and sworn affidavit which was used to secure these funds, after promising to do so.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$17000.00} ]. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. 
The debt is not mine. 
The debt was incurred due to fraud or identity theft. 

I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. 
The name of the original creditor. 
An explanation of how to obtain verification of the debt. 
A statement that I have the right to dispute the debt in writing within XXXX days. 
I further demand that you issue me a Form XXXX within 10 days of the date of this letter. A Form XXXX is required by the IRS to report the cancellation of debt income, which may have tax implications for me. 

Failure to comply with my requests and the requirements of the FDCPA within XXXX days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws. Identity theft report and FTC report is attached.
Product: Credit card

Matrix Credit Card says my account is closed as of XXXX/XXXX/17 but still wanting to charge me {$12.00} a month. Ca n't access web site to see anything and people over phone are clueless and just say they cant help.