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

In accordance with the credit reporting at the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 

I have never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received a bill Or information concerning this account. 
Ive updated my address with the credit bureaus in XX/XX/2022. 

15 USC 1681 section 6028. States I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not flourish an account without my written instructions.

15 USC 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 confections of crimes, which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

HI, I opened a new chase small business ink credit card from the bank, i was offered a promotion if i spend XXXX XXXX in 90 days i will get {$750.00} cash back from the bank. 

I completed the terms of the offer and never received the cash back and when contacted the bank they say the terms have changed and i needed to spend XXXX, there as no communication from the bank of this and even today i get offers from the bank for a new card for a spend of XXXX XXXX Reached the bank for the same but they refuse to help or address the problem. 

I feel cheated by the bank and now they have told me to not reach out to them. 

Thanks XXXX
Product: Checking or savings account

My account was frozen due to a mobile deposit if a check being flagged as suspicious. I received instructions to call for support which I did. They asked me questions about the check and contact information of the issuer which I provided. They would not give me a timeline of when my account would unfreeze. SoFi is my only checking account at the moment and I can not pay my bills without access to my funds. The check can be withheld without my entire account being frozen. They refused to give me a time of when my case would be looked at which is very unprofessional. I can not pay my bills if I dont have access to my account.
Product: Mortgage

We, the homeowners, received a letter from our insurance company stating that payment was coming due on XX/XX/year>. The letter also showed an increase in our premium. We checked Mr. Cooper 's site, and it showed the prior premium amount and indicated payment would be made XX/XX/year>. We clicked the link on that page to " update policy information '' the week before XXXX. We provided the information needed for the updated premium amount. Mr. Cooper indicated this was processed. On XX/XX/year>, our payment had still not been made to the insurance company, and Mr. Cooper 's site showed we ( the borrowers ) would be receiving {$2000.00} back from our " overpayment '' of escrow. XXXX was a Friday and I had to wait until Monday to speak to actual people regarding this issue. It is now XX/XX/year>, and our insurance policy is pending cancellation because payment has not been made. Our insurance company is saying payment must be made today. Mr. Cooper is currently on the phone with me. I am telling them payment must be made today. They are saying it will take a couple days to process. I am now on hold with them while they indicate they are trying to " make the insurance company aware '' of the situation. This situation that Mr. Cooper caused. This situation is absolutely unacceptable.
Product: Credit card

The company froze my account for returned payments. They state the bank account needs verified its the same account I have had payemtns coming from since XXXX. They processed a payment for XXXX using this account. I have not breached the contract but I believe they are by still using an unverified account for payemts.
Product: Credit reporting or other personal consumer reports

I am writing to formally disputing the hard inquiries reflected on my credit report, which were added without my consent. Pursuant to section 604 THE FAIR CREDIT REPORTING atc ( 15 U.S.C 1681b ), there are specific permissible purposes required to report a hard inquiry on my credit report. I did not authorize theses hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE HARD INQUIRIES *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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, as outlined in 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX  XXXX Account # : XXXX reporting innaccurate information XXXX  Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX  ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 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 USC 1681 section 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 innaccurate.
Product: Student loan

Hello. I have worked in public service for 9 years. I have been paying on and off over those 9 years. When I decided to go back to school I called the loan servicer XXXX at the time to ask what my options were. I wanted to pay but I couldnt afford the high payment plus paying for school. I was told all or nothing for payments. A hardship would be best or to be in school part time. On top of that I was also told that when in school your loans go to deferment / school forbearance, Those payments would not count towards any forgiveness so its best to just not pay because I would be giving away free money towards a loan. Just wait I wanted to be on pslf and I didnt even have a pslf form filled out. I was told based on my form to verify employment and pay stubs that is all I needed. Sadly this information I was told years ago was and is all wrong. I was on a standard payment plan if some sort making large payments when I could have been on a more affordable one. Im so hurt by this and I know Im not the only one. I wish there was a way to recalculate my payments based on my income at the time and be able to pay these. Now years later I make more money than 9 years ago and my payment is almost the same or less because Im on the right plan. This has to stop people need to be helped out of load not misguided. Forbearance and school should count and should have a set payment of zero. You dont know what you dont know. People want to be out of school Loan debt not in it for a lifetime. I cant even see anything on my loans since they were sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Essentially, my credit score took a nose dive in XXXX as I was in the process of searching for a new home to buy. I discovered a student loan lender, KeyBank, has filed a charge-off of {$62.00} from XXXX, but only reported it in XXXX. 

In XXXX, XXXX, I attempted to contact KeyBank to resolve this mistake and fix my credit. Having paid-off all my student loans in XXXX or XXXX, I do not have any documentation from those loans. I provided the information that i did have over the phone to " XXXX XXXX '' who is supposedly the highest level of complaint at KeyBank. 

On XX/XX/XXXX, XXXX sent a letter saying that I owed {$62.00} for some loan origination fee from XXXX with no proof or documentation ; merely a cursory two line statement with nothing to back it up. I took out my loan in XXXX and paid them off in XXXX or XXXX. 
I requested all available information and any documents. To date, XXXX has not only refused to provide any documentation, she has refused even the courtesy of accepting my phone calls or returning. In fact, over the weekend, XX/XX/XXXX, I received a letter from XXXX stating that a response to my inquiry was enclosed. There was not attachment, only a reference in the latter to the XX/XX/XXXX, letter. 

In early XXXX, I submitted a separate request to XXXX for additional information. In a letter dated XX/XX/XXXX, I was provided with the promissory note information from XXXX. Nothing from XXXX or from XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Student loan

After approx. XXXX ( XXXX ) total Total and Permanent Cancellation, Deferment, Economic Hardship Requests in addition to Loan Discharge Applications in addition to appeals to my congressman, referrals to XXXX and supporting documenation from physicians plus XXXX ( XXXX ) changes in servicing entities, my medical condition has been ignored until the loan, originally made for attendance online at XXXX XXXX University, XXXX, XXXX for {$6000.00} now stands at {$8900.00}. During that time the interest rates that have been applied have continued to change from 11.25 % to 7.25 % to the current 5 % with an outstanding principle of {$10000.00}. I had XXXX, XXXX, XXXX and most recently, a XXXX while doing my best to finish my degree at XXXX XXXX and then proceed to be certified in XXXX from XXXX University thanks to the good graces of the XXXX and XXXX XXXX of the State of XXXX. This I accomplished with excellent grades while attempting to make headway on repayment of my loans at the XXXX XXXX. I turned XXXX years if age XXXX 2014. On advice of numerous help agencies and after contacting my loans ' latest servicing entity, I contacted legal counsel and was advised of my right to seek redress through the courts. I made contact with the Financial Aids Office at XXXX XXXX and was referred to cfpb citing the feeling that legal redress might not be necessary. It is with this hope in mind that I hereby wish to file a complaint and offer reams of paperwork that has been submitted, resubmitted and repeatedly ignored in mine and my physicians ' substantiation of my XXXX claims. I currently receive {$1000.00} per month from XXXX and find continued repayment of this debt an extreme hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was charged off in 2017. It was settled and my credit report should no longer be reflecting a balance. As of today, it still reflects a balance, and it should not. Additionally, my report shows that charge offs have been occurring every month since 2017. There was one charge off in 2017. It seems that every time something changes on my credit report, it is reflected incorrectly by Equifax.
Product: Debt collection

XXXX of XXXX I called XXXX to make payments on four XXXX student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XXXX XXXX. I immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XXXX XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XXXX XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, XXXX closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help
Product: Debt collection

I do not owe money and disputed the claim already. All claims are cleared.
Product: Money transfer, virtual currency, or money service

Hello, I'm 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 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 didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cased numerous and significant inconveniences and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with XXXX   University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXX XXXXXXXX ( XXXX  ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) Experian has not marked the account on my credit report as " Disputed '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
Product: Credit reporting or other personal consumer reports

All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX This account is listed erroneously.
Product: Credit card or prepaid card

I applied for store credit at XXXX XXXX XXXX on or about XX/XX/22 and was denied. The credit was offered through Synchrony Bank. The reasons that they gave for my denial of credit was that they could not verify my identity. I believe that the real reason is that I am black. 

My reasons for believing this are simple. First, in order for them to view my credit file, I had to unfreeze my file using my personal password and second, they pointed me to a verification service where I had to scan both the front and back of my XXXX. XXXX XXXX, State ( DC ) issued driver license, which should have been all I needed and more than enough to verify I am who I say I am. 

In their letter, they state that they checked data sources that may include, public records, phone directories, or social security databases. Additionally, they state that their customer service agent might have asked me questions to verify my identity. Therefore, I have no other reason to believe that this was not an algorithm or machine decision, but a human XXXX and XXXX based on my race. If there is another reason, I would love to hear it. 

I was denied credit despite the fact that I have an excellent credit rating that was only verifiable because I unfroze my XXXX and XXXX credit files. My records show a credit score over 750, a 100 % on-time payment history, and 30 % or less credit card utilization. 

Finally, I have taken great care in protecting my credit and personal information. I have monitoring services through XXXX and XXXX, both of which notified me after this process that my email and password had been compromised. 

This has been a nightmare process and they should be put on notice so that it doesn't happen to anyone else.
Product: Credit reporting or other personal consumer reports

For the last 6 months I have been disputing the hard inquiries that were not authorized, submitted a fraud form which they asked me to do. Called multiple times and no one was able to help me. They kept requesting me to do some very stressful process to file a police report, file a fraud claim, etc., this is insane when these agencies do not cooperate and do not do their job for the consumer. They our private " secure '' information gets hacked through their systems. Transunion has not updated my correct credit score information properly and therefore causing adverse action against me when this could be taken care of at the time of the first original call 8 months ago. This should not have come to this,
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may excercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below :