23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my federal student loans with Dept of Aidvantage. During the application process in the student loan portal it stated that my monthly payment would be {$84.00}! 

Once I received the final loan agreements, which were very confusing to read, the monthly payments were never presented accept one copy that was estimate of {$900.00}. I called customer service and they stated it the {$900.00} payment was inaccurate and that the {$84.00} payment shown to set me while setting up the consolidation was just an estimate and that my new monthly payments should be around {$140.00}. 

The online application on studentaid.gov NEVER stated those were estimated monthly payments. I was under the impression that this would be my monthly student loan payment! 

After performing a credit update this new consolidated student loan is currently reporting a HIGHER monthly payment in the amount of {$770.00}! I am so frustrated at this point. This inaccurate reporting has impacted my debt to income ratio tremendously. I did not agree to this monthly payment. This payment was not stated in any of the loan documents sent by the servicer. I thought the SAVE plan was put in place to be affordable?
Product: Credit reporting, credit repair services, or other personal consumer reports

social security theft, they opened accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after they've already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00}
Product: Credit card or prepaid card

I'm writing this review to alert consumers to stay away from this company. I have been a client of theirs for two years. I never missed a payment and never went over the limit. I've always been in perfect standing with them. Today I just so happened to log in to make sure everything was up-to-date and I saw that they had reduced my credit line by {$2000.00}! From {$2300.00} to {$300.00} in the same month, without notifying me. I had to call in to ask what happened and they told me I had to wait to get the letter they sent out explaining why and that I wasn't the only consumer that this happened to. My credit is going to take a major drop now because of them. ABSOLUTELY STAY AWAY. THEY DON'T CARE ABOUT THEIR CONSUMERS AND PROVIDE NO CUSTOMER CARE OR USER-FRIENDLY ONLINE SERVICE.
Product: Debt collection

FCRA violation. The item listed on my XXXX report is unidentified and / or erroneously added by mistake.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I received an email from XXXX indicating my student loans were transferred to XXXX. My account with XXXX showed an outstanding balance of XXXX with a XXXX payment due. I got a mortgage loan verification document from them indicating that the loans have been transferred and the outstanding balance was XXXX. 
However, XXXX refuses to report this to the credit bureau. They are reporting that I still owe XXXX and that they still own this debt. I have contacted XXXX to resolve this and was told via an account message that no further reporting will be done at this time. 
I disputed this with the 3 major credit bureau and only XXXX agrees and resolved the issue. The other 2 say they reach out to XXXX and XXXX says my claim is not valid and that they still own that debt even though it was transferred to XXXX ( which I have since paid in full ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Product: Checking or savings account

To Whom it May Concern : I am contacting the CFPB for a fraud I reported to my bank, who shall not honor the transaction in first place and refused to take any action for it. 
I wrote the check, as ( Screen Shot XXXX at XXXX XXXX.png ) shows, to the payee, XXXX XXXX for XXXX XXXX, dated the check - XX/XX/2021, for tuition that is due XX/XX/2021. 
However, I found out a couple of days ago, that the check was altered, as the enclosed image shows ( Screen Shot XXXX at XXXX XXXX.png ), with an altered date, XX/XX/2021. I understand the bank has the right to deposit prior to that date, but not if the check is altered. I contacted the payee right away and warned that it is a criminal offense to forge a check. The payee denied the wrongdoing, and claimed its the bank that altered the check. 
As a person majored in Banking law, I treat such issue seriously. So I called my bank, Santander, this morning, for over an hour. I explained to them patiently and politely that it should not accept the check in first place, and at least for now, they should void this transaction, and file a claim against the payee bank for the fund for me. I refrained myself to advise them to do an internal audit for their operation practice, and of course they did not give me the honor and opportunity. They just blatantly denied me any repercussion. After being put on hold, politely requesting to review by a supervisor and getting the same answer, the conversation was over, as below screenshot shows, when the conversation was ongoing. 
I tried to solve this issue with Santander, and apparently it wont go anywhere, even when I told them that I will escalate to the CFPB. 
The fund is not in a great amount, but I could imagine consumers without knowledge of the UCC, banking regulatory rules and agency, or the way to file the complaint. What are the remedies for them in such violation? 
Thank you for reviewing my complaint and I am looking forward to hearing back from you the result. 
Best,
Product: Credit reporting or other personal consumer reports

You all closed my previous dispute and did not remove the items or do what needs to be done! I was a victim of identity theft back in XXXX  where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. The bankruptcy DOES NOT BELONG TO ME and needs to removed from my credit file. XXXX has already deleted the bankruptcy and I am needing you all to follow suit and do the right thing! THE BANKRUPTCY DOES BOT BELONG TO ME!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Opened On XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened On XXXX XXXX, XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Opened On XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a letter from Credit Collection Services ( ccspayment.com ) on behalf of XXXX XXXX XXXX asking me to pay a debt of {$620.00}, which I do not recognize, neither accept it, because I have never had a call or contact with such company. 

I called them to the phone indicated in their letter and they were asking me what are the companies I pay insurance for Home Insurance recently, which seemed to me odd because if they know what they are talking about they should have known that information and clarify to me about the debt and who is demanding to get paid.

They insisted that I give them the name of my Home Insurance company, so I mentioned that I have Travelers insurance for Home Insurance and conveniently after providing my answer, they told me that Travelers insurance were the ones trying to collect that debt.

I told them that I would fix the problem directly with Travelers Home Insurance if there was any problem, and they told me to call them back to resume.

What I didn't mention to this Credit Collection Services Company people, and that is where I caught them being a fraudulent company, is that I already paid my Home insurance with Travelers for the whole year and next payment is until XXXX next year, so I don't owe them any money, and even checking my account statement with XXXX insurance, it says that I don't have any debts or pending payments to complete with them. This company is a total scam and I am really XXXX XXXX  because they are very annoying going after me with phone calls and mails, like if I owe them something for real. 

I don't know who can help me to stop them from botering me and my family. 

Thank you very much for your attention.
Product: Mortgage

Flagstar Bank allowed my home to be sold at a tax sale. Every mortgage payment has been made on time. After contacting Flagstar Bank as soon as I received the notice of tax sale, I was assured it was handled. I even received email correspondence saying the issue was handled. Flagstar Bank is now claiming ignorance. How is this possible when I made them aware on XX/XX/XXXX? 

On XX/XX/XXXX at XXXX p.m., EST, I called Flagstar Bank regarding a FINAL NOTICE BEFORE TAX SALE sent to me by the state of Maryland. This perplexed me because my taxes were/are escrowed and every mortgage payment had and has been made in a timely fashion. XXXX transferred me to XXXX for assistance. XXXX informed me that the bill would be paid A.S.A.P. He requested an email address to provide me with confirmation upon payment of the property tax bill. I read the exact information from the, FINAL NOTICE BEFORE TAX SALE to " XXXX '' on XX/XX/XXXX. 
On XX/XX/XXXX I received a confirmation email from Flagstar that, Your case number XXXX was resolved on XX/XX/XXXX. 

However, the taxes were never paid and Flagstar is attempting to shift the blame. They are saying it is a previous servicers fault. They are claiming they didn't know the taxes weren't paid. However this is impossible since I called them and read them the notice and they still did not pay the taxes!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account opened at Capital One twice on the XX/XX/XXXX as well as XX/XX/XXXX under the account number XXXX and XXXX, and a auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize he aforementioned accounts, collections as reported. The aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by, me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Idenity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus XXXX, transunion and XXXX  that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of XXXX  XXXX XXXX on XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX
Product: Debt collection

AWA COLLECTIONS KEEPS CONTACTING ME. THIS WAS A REPO DONE BACK IN XX/XX/XXXX/XX/XX/XXXX. CAR WAS SOLD AT AN AUCTION AND SOLD TO ANOTHER DEBT COMPANY. NO LONG AFFILIATED WITH THIS DEBT.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXX : # XXXX XXXX : # XXXX Open XXXX XXXX XXXX : # XXXX has all 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Ive try to remove incorrect names, addresses and phone numbers off all 3 credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc with these company and filed number attached XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXCDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX, XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDU
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft block to Experian, XXXX, and XXXX XXXX. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it
Product: Vehicle loan or lease

I XXXX XXXX And XXXX XXXX XXXX are currently In Litigation and have been in litigation since XXXX Putting my car in do not pay do not collect status please stop Harassing Me and contacting me about payment
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled in an accident in XXXX. My car was financed through a company called Santander Consumer USA. The insurance company paid Santander but the remaining balance was never written off. I called Santander several times over serveral years inquiring about the balance remaining on my account and was told that it would be and should have been written off after receiving the insurance payment. The account was charged off instead because of the age of the account. I checked my credit report and found out that someone from Santander is sending charge offs for this account every month. There were 62 charge offs and 63 charge offs the last time I checked my credit report. I only had one account with this company and there are now 63 charge offs for this one account. I am being harassed by this company. The credit bureaus show this account as closed with a balance of {$8500.00}.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SANTANDER CONSUMER U Account Number : XXXX Date : XX/XX/2014 Amount : {$3200.00}
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 matters 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

Today XX/XX/2018 I received from XXXX credit reporting agency the results from an investigation. XXXX did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. XXXX writes they have updated the information and review my report. First off this XXXX XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 without my written instructions