23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2021, I received two PSLF Qualifying Payment Update letters dated XX/XX/2021. These letters note that they " have reviewed your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ). '' I have not submitted a new PSLF Form since last receiving PSLF Qualifying Payment Update letters on XX/XX/2021 and XX/XX/2021. The last PSLF Form I submitted was marked as received by FedLoan Servicing on XX/XX/2021. I do not understand why I continue to receive these additional PSLF Qualifying Payment Update letters based on the content in the new letters dated XX/XX/XXXX. Was my account reviewed for additional payments? There is no corresponding explanation as to what is occurring right now ( as this is not fully addressed by the PSLF Qualifying Payment Update letters ) and I am very confused because FedLoan Servicing is only sending form letters without correspondence crafted to me to directly explain what is occurring. I do not understand why the payment count keeps changing when I have not been submitting additional PSLF Forms.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX, I fell victim to a multi-layered scam operation run by Hackers which involved me making deposits for a total amount of XXXX EUR as unauthorized transactions from my Coinbase account to Hackers wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately XXXX months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable
Product: Student loan

I have had all of my student loans with discover. The first issue was they keep saying that they will consolidate my loans and they never do. This last month I was locked out of my account. The only way to reset your password is to input your date of birth, social security, and email. I have made sure all of those things are correct and every time it says my information is wrong. The month before I had to call them to make my payment because any time I tried to do it under my account it wouldnt process the payment. The month before that they said they couldnt take the payment online or over the phone so I was required to send in a check. The month before that I couldnt make my payment online and I called customer service and they said they couldnt access my account so the would send it to their investigation team. The month before that is when I started having issues with them. I think this started in XXXX. But even though they had claimed to send it to someone that would fix it, it was never fixed. So now there are months that I have had late payments effecting my credit and also my cosigners credit. This issue has been a nightmare.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was difficult, 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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: Debt collection

I told them do not call me anymore and stop your collection action because I do own anything you do not have a contract with my name on it I never both anything from you.
Product: Debt collection

A man ( using XXXX different names ) left messages on both my work and cell phone stating that he was a private courier and that he would be delivering sealed documents to me at my work address. The names used were : XXXX XXXX and XXXX XXXX. The number was a private number, but the number he gave me to resolve the matter was XXXX. This number belongs to Phoenix Equity Partners located in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are Collections on my credit report that I was not acknowledge of this being on my report I sent a dispute to all XXXX  credit bureaus they havent got back to me XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Amount {$870.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$670.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$600.00} According to the law XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the nouce or ine dispute from the consumer or reseller.
Product: Mortgage

Acct. XXXX
XXXX
I am requesting a copy of my Home Apprasial that was done in XX/XX/2015 from my lender Bank Of America. I dont have a copy. They claim they cant locate it. I am trying to have my taxes assessed and need to bring a copy to my hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : TransUnion and XXXX said that they have investigated these two accounts on my credit report but failed to correct inaccurate information such as late payments on XX/XX/21 never receive a response from them until XX/XX/21 30days after the initial dispute. These are the two accounts that list late payments on my credit file Account # XXXX, Account # XXXX, Account Number xxxxxxxx XXXX, and Account Number xxxxxxxx XXXX. I put in a previous dispute online on these two accounts but comes back as verified, I called the two creditors about these issues and ask them to update this on my record but they also failed to do so. I don't think these late payments on these two accounts are right. TransUnion failed to verify.
Product: Checking or savings account

On Monday XX/XX/XXXX I went to TD Bank on XXXX XXXX XXXX XXXX Massachusetts XXXX and I was met with a store supervisor named XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX # XXXX I asked her about a prior account I had open back in XXXX with my XXXX  ID because right now I have alot of fraud that is done to my name and she informed me they don't do XXXX  accounts anymore and proceeded to look up my account upon looking up my account she informed me that I had a account back in XXXX that was opened with my driver 's licence I informed her that I never processed a driver 's li 's enc and that was fraud she begin to get nervous and tell me she can't help me after I requested the information of the alleged drivers liscences and cellphone number so I can get a police report done on it for fraud because I never had a driver 's li 's enc and a 20 year lien was put on all my personal assets for a court case I had back in XXXX were the judge placed a lien on all my personal assets including any ID 'S... 
SHE ( XXXX ) decided not to continue to help me even though she already got into my account because she seen her bank is engaged in fraud I can't get a bank account at TD Bank cause of no ID but someone was obviously posing as me and opened up a account in my name and information.I had to leave because she would not help me there is a XXXX $ debt acquired but I know that there is a bigger plot to this cause I have paperwork from the sec of different investments companies that TD Bank offers in its investment departments there are federal and state fraud cases going on right now under my name
Product: Credit reporting or other personal consumer reports

XXXX of this year 2023 I received a statement of some sort from XXXX XXXX services. My eyes popped out of my head when my son opened it and said mom XXXX says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX  XXXX XXXX and won same type of circumstances. I owe nothing to XXXX I've never even stepped foot into a XXXX. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. XXXX is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX XXXX XXXX you might be a big company trying nto steel from  the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for 10 times or 20 times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to XXXX is STOP fix my credit and I'm suoing you for elder abuse. Im contacting state attorney general office, gavins office im going to blow this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$2000.00} XXXX XXXX {$2700.00} XXXX XXXX {$2100.00} XXXX XXXX {$5900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00}
Product: Mortgage

Called Mortgage company several times to have my PMI removed. As of yet nobody has been able to help me but to tell me that its not to be removed till i only have % 20 of loan left to pay off there showing XXXX. I took my mortgage out in XXXX my house value was XXXX and i balance on my loan is XXXX according to my math i had reached my 78 % at which point legally should have come off.
Product: Mortgage

RE : Loan # XXXX. 
XXXX XXXX I submitted a request with Carrington Mortgage Services , LLC ( CMS ) for a refinance on XX/XX/2020. To date I have not received a letter of denial or approval. I made payment for an appraisal. However the company that conducted the appraisal, appraised my house below market value using compatibles of homes 15 years older than mine. The appraisal listed my house as a 3 bedroom when in fact my house is a 4 bedroom. The housing market in my area has increase with the past year. And I had an appraisal done on house within the past year from another company which was valued at {$310000.00}. The company used by the lender valued my house at {$290000.00}. I researched the Appraisal company used. The company XXXX XXXX XXXX XXXX XXXX XXXX, has had a complaint with the XXXX XXXX XXXX within the last 12 months. 

To date I have not received any response of my request for status of application after making several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX opened on XX/XX/XXXX XXXX which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX  to honor what they said they were going to do and remove this closed account from my file. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized credit inquiries listed on my Equifax credit report, which I didn't give permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car note off successfully and XX/XX/XXXX will not remove this off of my credit report. It should be paid, closed and removed off of my account. I created a dispute and they advised it is to remain which doesnt make any sense. Can you please look into expediting and having them remove this off of the account?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX DOB XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : 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 I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the credit Bureaus about inquiries that I didn't authorize on my consumer report and I called and requested for all XXXX Bureaus over the phone to have them removed. Upon checking my consumer reports I see the inquiries still reporting on my credit report and they haven't been removed I do not have a open account with any of these inquiries I want them deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX experian XXXXXXXX XXXX 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 experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX installment XXXX experian XXXX XXXX XXXX XXXX This is a list of the names of the creditors, the dates of the inquiries and the Bureaus that are reporting the inquiries that I didn't authorize I have contacted each consumer reporting agencies to delete these inquiries but it hasn't been completed as of today 's date of XX/XX/2024
Product: Debt collection

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

I want you to send me a detailed list of the history of payments made my me on this account. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. I would like to see if there is any insurance claim found on this debt. I want proof of the chain of title to collect on this debt.
Product: Checking or savings account

ON XX/XX/2024 @ XXXX i was stopping at a local XXXXXXXX XXXX XXXX to use the bathroom and get some cash from the XXXX XXXX  that is located in the XXXXXXXX XXXX XXXX located at XXXX XXXX DE XXXX XXXX XXXX XXXX As i was using my chime card to attempt to get funds out of the ATM MACHINE In the amount of {$200.00}, I noticed after putting in my card pin that the atm was not disbursing any funds as it was making the disbursing sounds. after waiting for 5min the atm appeared to display a atm error transaction indicating that the transaction was declined. 

however on my chime transaction history it appears as if it was successfully able to make the transaction but indeed was not able to received my funds. 

I soon then reported it to chime and filed a dispute, but chime soon denied the dispute regarding this urgent matter. this is the second dispute that was denied wrongfully
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Capital One is pulling incorrect information on my XXXX credit report. It's stating my XXXX  Score is XXXX on XX/XX/year>. This isn't accurate. The score was XXXX on XXXX.
Product: Debt collection

XXXX XXXX sold a bad debt to Unifin , Inc. Unifin Reference Number is XXXX. I have never signed a contract with either company for any service. Because they don't have an original copy of a contract with my original signature showing that I made an agreement with their companies, they must remove any and all of this incorrect information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft pursuant to XXXX CFR XXXX ( h ) a fraud was committed against me using my identifying information without my authority. I have reached out to the company in regards to being a victim of identity theft and they will not help me. Therefore, I have mailed to you TransUnion everything that is required of me under federal law ; a copy of my official identity theft report with the Federal Trade Commission, a copy of my identification card for proof of identity, as well as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have given consent to ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

If TransUnion finds that there was an authorization or approval for the specific extension of credit, that authorization or approval for the specific extension of credit shall be excluded from my consumer report pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX. XXXX XXXX XXXX XXXX  ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

Failure to adhering to the federal law will be considered willful and negligent noncompliance and TransUnion will be held accountable for its violations. 

Once the account has been deleted from my consumer report, I am requesting an updated consumer report be mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I switched my Student Loans Consolidation company to an third party XXXX XXXX XXXX XXXX. XXXX XXXX was in charge of my federal XXXX XXXX of Direct and Unsubsidized and XXXX XXXX monies after the loans were closed in XX/XX/XXXX were stolen in the amount of {$10000.00} dollars. He kept my identity even after I tried to get it back because I hired him to submit my FASFA Loan Forgiveness Discharge Application to the Department of Education for XX/XX/XXXX Conditional Discharge and Cancellation in the amount of {$30000.00} Dollars. XXXX XXXX XXXX XXXX XXXX XXXX gave me harassing phone calls and every XXXX to XXXX months he wanted me to fax in my signature on file he said to keep forbearance records updated and instead of taking one year it took six years to complete the Application process and my loans were finally forgiven or XXXX by the federal government in XXXX from XXXX. Today I have a Zero Identity and nothing to show for it. My family suffers and he still has my numbers and harassed me through soliciting advertisements and junk Mail. I was scammed. I cant prove it but my mom can and I need her to soon. He isnt getting away with this. Thank You.