23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Thursday, XX/XX/year> i closed on a small term loan with my local XXXX XXXX XXXX XXXX XXXX XXXX. The purpose of the loan was to pay down a few creditors and also do a home improvement project. Velocity informed me the day of closing that they would be sending out XXXX XXXX envelopes containing a cashiers check to pay down the creditor to zero. XXXX of the payoffs was a cashiers check to Applecard-Goldman Sachs They received the XXXX package at about XXXX on Friday XX/XX/year>. when i inquired they said they had not even gotten the check to the processing department. 
But here is where the problem kicks in. They sent me an email that day XX/XX/year> and advised they were posting the payment but that the payment would be subject to additional hold times. i immediately called them and asked what was going on. i was told well you normally do not pay by check and we need to make sure we give this enough time to clear. i was then informed it could take up to XXXX business days. This is a cashiers check -guaranteed funds from the bank. it can not bounce, and you can not place a stop payment on a cashiers check unless you go and purchase an indemnity bond for twice the face value of the check from an insurance which is very expensive Theccheck by the way is for {$1900.00}. i have called numerous times, created an escalation case and continue to get NOWHERE. They are in violation of Banking Regulation CC for placing an extended hold on a cashiers check and i have never had a payment returned or have had an suspicious activity on my account ever. They should not be allowed to get away with this. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently submitted a complaint, which was closed and needs to be reopened, XXXX. XXXX XXXX 's fraudulent solution to exposing consumer to identity theft is a subscription to a credit monitoring service that does not work. In the article attached it shows XX/XX/2023, Identity Thieves Bypassed XXXX XXXX to View Credit Reports. You have done nothing to fix the issue you create which is why I will be filling a lawsuit, if these violations are not rectified. 

As stated before, XXXX XXXX XXXX has exposed my personal information in a data breach. They have been reckless and abusive with consumer data and it's unacceptable. If they do not resolve this issue below, I will file a small claims suit in my state for a much larger amount. These debt XXXX can not continue to get away with putting consumers lives and consumer reports in danger. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. The need to settle for {$5000.00} immediately. They claim to care about data privacy and security, but they are trusting another company can't protect themselves to keep consumers from being at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX  at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Product: Debt collection

National Credit Systems Collection Agency contacted me, by sending a letter about a debt I owed to an apartment complex that Id never heard of ( The XXXX XXXX ) on XX/XX/XXXX. I called and inquired, they told me that it was located in a city that Id never rented an apartment in, and they suggested that it was identity theft. So, I contacted my local Sherrifs office, only to find out that the apartment complex didnt exist in the town. So, I XXXX it, and realized that it was an apartment complex that had been renamed. The previous name was as XXXX XXXX XXXXXXXX, and I was on a lease there, that ended on XX/XX/XXXX. When we had our final walkthrough inspection, and turned in the keys upon move out, I didnt owe any money. In the 1 year and 2 weeks between when I moved out, and when I received the collection notice, I had not received any bill, phone call, or otherwise, letting me know that any money was owed. So, with the collection notice, out of the blue, without notice, I do not believe that I owe anything, and believe this collection is not valid. Ive attempted to explain this to both the collection agency and the administration at the XXXX XXXX, and both times have been hung up on. They both refused to show me proof of notice, dates, etc. showing when or what this {$66.00} charge is for. It was reported to all 3 credit bureaus on XX/XX/XXXX, and my score had dropped XXXX points. I believe this is unfair/nefarious/ in error and I dont believe it is owed by me. I would like the debt to removed and dropped from my credit report.
Product: Student loan

American Education Services ( AES ) has been servicing my student debt ever since XX/XX/2007, for a total debt of {$110000.00}. 

In that time period, I have paid over {$77000.00}, but only have seen my principal drop by {$8100.00}. 

During this time, I have had some difficulties making payments due to job loss and other mitigating factors that have forced me to enter forbearance in a few occasions. A few times, I paid late fees ( totaling {$610.00} ). 

As of today, my total balance is now {$110000.00}, a full {$8000.00} higher than 11 years ago, despite paying {$77000.00} toward my debt. 

At this rate, I do not understand how I can pay my student debt ever. It is not clear to me how this could happen and why I owe more than I owed 11 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 8 state I have the right for privacy 15 USC 1681 section 604 A section 2 also state The consumer report agency can not furnished my account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries by XXXX and XXXX XXXX on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has been asked to verify these account as mine several times since XXXX. They have removed these accounts however they turn around and update them as brand new collection accounts which is false information. I have been battling these for a year now. They have never verified these accounts. The last time it was updated was XX/XX/XXXX. A 609 letter has gone out several times but nothing happens. 
The first attachment shows they removed the file but it also shows no activity for 2 years. 
The second and third attachment shows the rereporting but again no activity.
Product: Credit reporting or other personal consumer reports

I am questioning the presence of these additional accounts they've recently added to my credit report, to which I have no knowledge. 

Accounts in questions are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Several years ago ( about 2004 ) my sister ( XXXX XXXX of XXXX XXXX XXXX, XXXX, New York ) asked me to assist her with getting an home equity line of credit from Wells Fargo for the amount of {$30000.00}. After saying no for months she convinced me that she was going to lose her home so I reluctantly agreed. The bank pretty much badger me to take something because I could not sign and not benefit. I decided to let them pay only my credit cards and they said that was not enough. Eventually, I decided to accept {$20000.00} which included the payments of my XXXX or XXXX credit cards for a total of {$6000.00} to {$7000.00} and the balance I would use to pay monthly towards the total of {$50000.00} if my sister ran into difficulty paying the bank. I went on vacation and on my return to the airport I got several messages on my cell phone that I should contact the bank regarding the non payment of my mortgage. At the time I was giving my sister {$400.00} per month towards the payment of the {$50000.00}. I called the bank and was told that I had a mortgage. I told them that I do not own a home and they told me that the document I signed was for a mortgage and that I am responsible to pay for my sister 's mortgage and that they wanted to collect. After trying to convince my sister to sell the home and/or get my name off of her property and let us recuperate our credit. She instead, changed her phone number and ceased all communicating with me. I tried to let my mother and siblings intervened on my behalf, but it became problematic for the family, so I took her to court. After three years of court and XXXX courts ruling in my favour in XXXX segments of the trial, via my attorney they ( her attorney, the bank and her ) asked me to stop the case so they could do a modification or re-modification of the mortgage and take my name off of the property documents and I would no longer be responsible and they would write to the credit bureau on my behalf to clear my credit. So, on the advise of my attorney, I signed the paper to allow the court to dismiss the case with prejudice. The property continued to remain on my credit report until I found out recently, while I was trying to qualify for a mortgage to get home of my own, that the modification or re-modification of the mortgage was done with my name still attached and I am still responsible for her mortgage. Now, I am having difficulty even qualifying for a simple personal loan and would like to know how did the bank, her attorney and her manage to have her mortgage modified or re-modified with my name still attached to the property without my consent or my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.
Product: Student loan

On XX/XX/XXXX, Navient sent an unauthorized debit to my bank account in the amount of {$1500.00}. My husband could not get his XXXX medications and I was sitting at the gas station with an empty tank. Navient refused to reverse the debit while I was on the phone with them, stating I had set up automatic debit six months ago whe I was paying {$170.00} per month for student loans. Because I was due for renewal of my student loans, they already had my bank account info and just pulled the {$1500.00}! But I did not have enough money so my account went overdrawn. Today, XX/XX/XXXX, my bank has reversed the debit due to my account not having overdraft protection but I am being charged {$32.00} in overdraft fees. Navient should pay these fees because this is their error. This issue kept me awake all night and has effected me greatly. My husband and I both cried a lot over it. Its completely unfair for Navient to do this to us. Thank you.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

THE ITEMS LISTED ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!
Product: Credit card or prepaid card

Hi I have transactXXXX prepaid card there a lot fraud activity on my card try to dispute it with transact they said I lost the case and will not refund or credit my catd
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and discovered some fraudulently inquires on my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was process was unfair and deceptive, as they did not comply with error resolutions 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: Checking or savings account

At least one Bank of America savings account was opened using my personal information, without my consent. I am not a Bank of America customer, however, in XXXX, my parents, who live nearly XXXX miles from me in another state, received a piece of mail addressed to me from Bank of America. I went into a local branch in XXXX XXXX, Florida when I was made aware of this. While at the local branch, I spoke with a branch manager and closed the account. I filed a fraud claim at that time. However, over the past few months since then, my parents continued to receive mail from Bank of America, including a debit card linked to the account I had closed and reported for fraud. Once again, I called Bank of America to report fraud. 

Most recently, my parents received another piece of mail from Bank of America on XX/XX/XXXX. When they informed me of this, I immediately went into a local branch to discuss my serious concerns once again with the branch manager. They confirmed that someone attempted to open an account at least three additional times using my information, despite me informing them that no one should be able to open an account with my name or social security number. They allowed funds to be deposited into this fraudulent account and withdrew funds from the account that I was liable for paying ( a monthly maintenance fee ), despite not having opened the account in the first place. This has caused me hours of unnecessary pain and suffering, as I have spent hours in person, on the internet and on the phone dealing with fraudulent activity related to Bank of America. I have since opened an XXXX XXXX account to prevent future cases of fraud related to this. I would like to be compensated for the time, money and energy invested to dealing with this.
Product: Debt collection

I was never notified of this fraudulent debt by this collector via mail or given the right to dispute it which is a violation of the FDCPA. And now I do not want to be contacted regarding this fraudulent debt. 

According to FCRA section 605B it is illegal to report information on my credit report without my permission. Thank you please remove this from credit report. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact I am writing to formally demand that you cease and desist all communication with me, effective immediately, regarding the debt referenced by account number XXXX and any other associated. 

As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that all communication regarding this debt be stopped. Therefore, I am exercising my right to demand that you and your agency cease any further communication with me, except as allowed under the provisions of the FDCPA. 

Please note that any failure to comply with this request may result in further action being taken against your agency. I expect written confirmation within 15 days of receipt of this letter that you have complied with my request. 

Additionally, please be advised that I am aware of my rights under the FDCPA and any further contact from your agency that does not comply with the law will be documented and reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following information that appears in my Chex System consumer report. I have NEVER opened or used the following account number : Bank : XXXX XXXX XXXXXXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Chex System Consumer report immediately. Ive attached a copy of the report of the report to this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted capital one numerous times. I disputed these fraudulent inquiries 4 times with XXXX, XXXX and XXXX. I contacted the cfpd and asked your company to investigate this. 

I really need help removing fraudulent information that is being reported incorrectly on my credit report. 

Capital one told the CFPB that thy investigated this and only found that 2 of the inquiries were fraudulent and the rest were validated. What human being in their right mind would apply for credit from the same time this many times? None, no one. 

All these inquiries should be removed immediately. They know these inquiries are not mine. They know someone is contacting their company pretending to be me. So why won't they remove all of this information from their files and my credit report. 

I asked them for signed contracts, documented proof and validation. They failed to provide me any of it. 

How did they verify the rest of the inquiries and what is different between the two that were fraudulent and the rest that were not. 

Theses are illegal, they are violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Citibank XXXX credit card on XX/XX/2020. I confirmed both online and with an agent that the balance was {$0.00}. I am currently in the process of applying for a home loan and we purposely waited until XX/XX/XXXX to ensure the {$0.00} balance was reflected. To my dismay, it was not. I called the customer service line and she confirmed my payment and escalated the report up to the bureau as of XX/XX/XXXX. I then called the customer service line on XX/XX/XXXX and it still was not updated. I put a disputed through both XXXX  and XXXX  and the dispute came back as " correct ''. I called on XX/XX/XXXX and the gentlemen passed me over to the escalations department. She then stated it would taken yet another 30 days to update. I understand XXXX sold to Citibank in XXXX ( or at least the account was turned over ) but their credit bureau reporting process is inaccurate and subsequently causing consumer harm. I imagine this is a much bigger problem for others. This lack of accuracy is a significant stress as I did my due diligence and they have failed me for over 60 days. I want my report updated ASAP. I have proof of payment and they do as well, yet my credit is still showing a balance of {$1.00}, XXXX and some change. This should not be an acceptable practice. I want my account to report not only accurately but timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am XXXX that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. Other information I would like changed. Balance of the account is wrong. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

Please correct/update this inaccurate information on my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit card or prepaid card

I applied for the Apple Credit Card in the beginning of XXXX. I was denied credit and not given a proper expiration that i agree with as to why I was denied credit. I applied for Apple Credit Card again on XX/XX/2021. I was denied credit again without proper reasoning. Goldman Sachs Bank Actions is a Violation of the Equal Credit Opportunity Act ( 12 CFR 1002 ) See attachments
Product: Mortgage

I started a loan application with Capital One on XXXX16. 
Turned in all required and requested paperwork within the first 5 days. 
Capital One has assigned me a closing date of XXXX16, then canceled with no prior notice to all/any party involved. Capital One assigned another closing date for XXXX16, then canceled with no prior notice to all/any party involved. 
I 'm going to lose this opportunity to purchase this property due to Capital One neglect. 
The seller has been very patient, now I 'm out of time to try and seek a mortgage from another source. I have paid monies to Capital One. 
I need and deserve a response from Capital One, I need them to follow through with my loan before I lose this property.
Product: Credit card or prepaid card

Best Buy advertised a 0 % financing period and Citi did not honor it. I was charged 30 % interest. I just paid off the account, because I have other financing. This is predatory behavior. I would have never made a charge on a 30 % APR.