23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Cease and Desist all collections or derogatory activity regarding the alleged debts on my credit report.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is in violation of my consumer rights and is affecting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to fedloan servicing, XXXX, XXXX, tXXXX and any other parties who have access to my information and debt.
Product: Credit reporting

Equifax has reports my address, phone numbers, and name incorrectly as well as my student loans status, medical bills reporting incorrectly. This has significantly affected my approval for credit.
Product: Checking or savings account

On XXXX XX/XX/year>, my Chase XXXX Checking and Chase Savings account was closed without my notice. I received a text from Chase requesting for more information about the XXXX accounts and by the time I called back, I was informed that the account was closed and the remaining balance would be mailed to me within 10 business days. Today is the XXXX XX/XX/year>, more than a month since that call, and I have yet to receive my money. I have been calling the bank at least once a week for updates regarding the investigations on my account but have been met with the same response to continue waiting patiently with no timeframe given or end date in mind. I have {$630.00} stuck in the account and it has been incredibly frustrating as I am an exchange student here and I need the money for my monthly expenses and day-to-day living. I would like this issue to be settled as soon as possible as I will be returning to home country soon. This has honestly been such a harrowing and draining ordeal for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX, FL XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; SXXXX Inquired on XX/XX/XXXX ; XXXX Inquired onApr XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

First : basic information, I complained to FDIC case # XXXX who forwarded the complaint on to the Consumer Finance Department. My complaint is against U.S. Bank Home Mortgage, address : XXXX XXXX XXXX XXXX, MN XXXX ; XXXX. 
I refinanced my VA loan XX/XX/XXXX with the understanding that I would be receiving the monies from the escrow account from U.S. Bank within 25-35 days of closing. I called the bank approximately XX/XX/XXXX to inquire about the funds. I was informed the check was mailed XX/XX/XXXX. Due to the XXXX holiday, I waited until XX/XX/XXXX to call again. I was quit upset I had not received it as this was part of the reason I had refinanced. The bank agent XXXX I talked to put in a cancellation on the check, and request to cut a new one on XX/XX/XXXX, and mail it to me. I requested the check to be delivered overnight, this was denied. 
I called back on XX/XX/XXXX. I requested to talk to a supervisor. To get to a supervisor I addressed XXXX, XXXX, then XXXX. I explained the lateness of the check, the hardship it has placed on me, and my request for either overnight or expedite mail. The response, We do not overnight checks, and this situation is not our fault. I did plea to the fact that since being an U.S. Bank customer, I was never late in payments ( I had automatic bank withdrawal ) and should the table be reversed, the bank would be charging me penalty interest and reporting me for late payment. XXXX suggested to take my issue to post office for lost mail. 
To date I still do not have monies due. Why am I held accountable for my debts and to pay on time as a single individual and yet industry is not? 
Next time can I say the check is in the mail and its not my fault?
Product: Mortgage

Select Portfolio Servicing ( SPS ) is a predatory lender and will not allow me to refinance my home even with excellent credit. I should be able to get a modification or refinance my present loan and move to a fixed rate mortgage. SPS does everything it can to prevent people from modification or refinancing at a lower rate. Operators answering the phone insist they are not a mortgage company yet they hold mortgages on homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with  XXXX  and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
Product: Student loan

I tried reaching out to the company and they said they did update the XXXX bureaus but still showing all XXXX fed loans open when they were paid in full. I do have the letter dated XX/XX/XXXX th 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working tirelessly to fix my credit. There have been several collection accounts that were not and are not mine and I have found misinformation as much as accounts on my report that are different socials but my same name reporting inaccuracies. TransUnion has deleted 3 major COLLECTION accounts from my. Report that werent mine and Im grateful But they are DROPPING my credit score rather than rising it WTH? I had a collection drop off they gave me one point, today XX/XX/2020 I got alert 2 bad collections were removed and the DROPPED my score from XXXX to XXXX something is wrong and I want explanation and fixed!
Product: Credit card

I went into a debt collection program in XXXX and had settled all my obligations by XXXX. I am trying to refinance my mortgage to gain a lower rate. On my recent credit report the bank noticed that I have a judgment issued on XXXX/XXXX/XXXX from my Discover card. On page XXXX of the credit report it states that there was a settlement. Payment was made and the account was closed. I need help removing the judgment from my credit report as it is no longer active. Thanks. XXXX XXXX
Product: Debt collection

I have reached out to Capital One in XX/XX/2020, asking for validation Of debt for the {$19000.00} balance they have listed on my credit report with all three bureaus. In response on XX/XX/2020, they requested proof of identification. In response to the requesting proof, I send proof of identification along with the same letter asking for proof of debt. Capital One proceeded to respond with a letter on XX/XX/2020 asking for proof of identification again. I responded with proof of identification once again and a follow up letter on XX/XX/2020. Capital One proceeded to respond to my letter on XX/XX/2020 by asking for proof of identification for a third time. Capital One has yet to respond to any of my letters Ive been mailing in to them since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/year> -- {$3600.00}
Product: Credit reporting

I have requested that Equifax remove inaccurate information from my report since XXXX 2016. Not only are they reporting false information that I have requested verification of debt on they have failed to provide to me. They just keep sending me letters saying that they verified the debt but no proof. They also have the same accounts on my report XXXX which is negatively affecting my score and causing me great XXXX. I contacted the federal trade commission they advised me to write them and give them a chance to correct it and they have failed to do so I will attach the XXXX accounts and proof that I sent everything certified mail. I have asked them to provide me contracts and signatures saying that I had an account with XXXX XXXX and XXXX XXXX XXXX. Why are these on my credit report XXXX for the same amount and they fail to fix it. I have spoke with a lawyer my first step is you and my next step is to sue. This is causing me great XXXX. Please help me with this situation attached is the proof. Please take a close look at how these items are on my report XXXX for the same amount for the same company. I do n't know what else to do I have contacted them numerous times. They can not verify that I had an account with XXXX XXXX or XXXX.
Product: Mortgage

Ivwas wrongfully charged for 10 yrs ( as per wellsfargo ) it wasnt a car-it was related to my mortgage and credit card. Ivwas given XXXX $ compensation but that amount was for car loans and i was wrongly charged on mortgage and credit card by wells fargo. I was told by a friend to makeca cimplaint b/c Wellsfargo continues to pay out incorrectly & this is why im submitting a complaint Ten years
Product: Credit card or prepaid card

XX/XX/22 at XXXX am at the XXXX on XXXX XXXX XXXX XXXX XXXX, New Mexico, I gave this store {$400.00} cash to load onto my Chime Debit card!! I was loading this money in an attempt to rent a vehicle, however upon discovering that none of the local vehicle rental agencies took any kind of prepaid cards at all whatsoever my need for this card and its services for continuing to have my money on this card, was no longer!! When I went to retrieve my monet from first an atm at XXXX XXXX XXXX XXXX it was declined!! Than I attended to take XXXX from an atm at XXXX across the street still declined!! Than I thougXXXX ] ht surely I can make a purchase for 5 and get {$20.00} cash back this too was declined!! I than called Chimes customer service hotline, where the gentleman kept insisting everything was fine and asking me to reattempt to take the cash from the atm, to still no avail!! After about at least half an hour or more of this, the gentleman finally admitted that there companies entire system was being overhauled and the only way I would be able to retrieve my money would be to contact there support team!! Which he had said he did that Saturday evening as did i once again to no resolution in any way and actually no response whatsoever!! So I figured surely by Monday this support team of Chimes, that is supposed to give me my money back would be in the office since it's the work week now, however several more attempts with their customer service, more atm and purchase attempts all declined!! And I was told by 2 different people that there support team would be getting back to me by before the end of the work day and still nothing!! Please help me this company is clearly stealing people 's money every chance they get!!
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 ( XXXX ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had a Avant Credit Card and on XX/XX/2023 I paid the card off and close the Account that left me a XXXX balance. On XX/XX/XXXX charge XXXX interest on a XXXX balance. My bill cycle was from XX/XX/XXXX to XX/XX/XXXX which I pay off before the XXXX. 
All I want to do is to remove the XXXX before that start adding interest.
Product: Credit card

Barclaycard XXXX-Made a purchase with deferred interest 2 years ago. Made other purchase on the card also. Always paid above the minimum payment due. Barclaycard chose to apply any amount they want toward the deferred interest or non at all, Now 2 years later having paid them over {$5000.00} on the card they added {$730.00} in interest because of all the above minimum I paid only {$300.00} went toward the deferred interest. There statement does no specify how the payment above the minimum payment is allocated. I believe the amount of interest accumulating and the amount of my payment going toward the deferred purchase should be clearly stated on the statement. I believe this disceptive practice rises to the level of consumer fraud.
Product: Debt or credit management

I paid a down deposit payment and monthly payments my credit score went up XXXX points which was promised to go up tremendously from XXXX to 680-700 with a 6 months to a year which never happened l complained and emailed they assured me it took time for me not to get anything else at this time to add to my credit as of now
Product: Credit card

I was at XXXX went to use my card. I knew I had available credit and I paid it yesterday on due date and I was declined contacted by chat and was not helped. I was on chat tonight I noticed all my cards through synchrony had XXXX for available credit which is odd. I have had my XXXX, XXXX, XXXX, tjmaxx, XXXX that went to synchrony and PayPal credit recent. I was told my synchrony was closed XX/XX/year> and I got an email. I did not I told chat person. I said I pay on time he said yes it looks like I do, I did pay my PayPal credit late by honest mistake this month by 9 days and I since then already scheduled my XXXX payment so I would not worry. I am human I made a mistake. No reason they need to close my other XXXX cards on me when I pay on time. This will affect my credit score negatively. Thst is harsh to say the least. I take responsibility for paying the XXXX card late I was home sick that day and I slept alot it was my fault I dont feel I should be punished this badly for 1 mistake. I didnt commit a crime and criminals get out of jail or dont do time. Im not risk even though I have high balances but Im working on it and I will come into mo ey someday soon. I am a hard working teacher just doing my best and I didnt ask these stores to switch to synchrony I had long years of relationships with these stores I just want my cards re opened that I was not late on. The dicks sporting goods, XXXX. XXXX, TJMaxx and synchrony and I think my value city furniture was closed even though I havent used it in years and it had available credit of XXXX it wasnt used nor did I owe anything on it. I understand the XXXX, to close it but paying late by a few days seems harsh you charged me a late fee. Thats penalty and punishment enough. Please help me. I did not get notification and this is just mean and deceitful. I feel like credit card companies should not be allowed to go to this length to hurt a person for making a payment a few days late. It wasnt 30 days late it was XXXX. I feel like we need to change laws on this and not be so strict!
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I have no idea why theyre there. I check my report frequently, but these unexplained entries came out of nowhere. I refreshed my browser, thinking it might be a glitch, but they didnt disappear. I am incredibly frustrated and urge you to examine the documents I sent, as I want to ensure this is fixed and does not happen again.
Product: Credit card

This is a consistent problem with Comenity Bank Ultimate Rewards Master Card and I believe thousands are being affected. I received my monthly statement. I am given XXXX options : Pay minimum due, pay statement balance, or pay account balance. I paid the account balance in full 7 days before the due date. I then received another bill for interest due. I asked how interest accrued on a XXXX balance and was told that it was the interest from the date the bill was mailed to the date the payment was received. So for example : the closing date of the billing cycle is XX/XX/XXXX ; I received the bill around XX/XX/XXXX ; the bill is due XX/XX/XXXX ; I pay the bill in full on XX/XX/XXXX. Then I receive the second bill for interest due to cover from XX/XX/XXXX to XX/XX/XXXX. A t this rate one could conceivably not being paying the " account balance '' ever. Here is the statement on the back of the bill : " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' This time it was {$3.00}. Other times I have paid more. Somewhere in here is credit card fraud and I am sure many people who maybe don't pay attention just pay into the millions of dollars.
Product: Money transfer, virtual currency, or money service

WorldRemit has not deliver promised/paid services. on XXXX I made 3 money transfer transactions to my recipient in the XXXX who needs the money for medical reason. Called and spoke to different cuatomer services who gave me different reasons, the money was no released yet because it was under review and no one is available to review because it is a weekend, and then it was a holiday in thw philippinws, and then they are following US Regulations but when I asked which regulations, they can't provide an answer, and then they were saying to contact me and to be patient, no one has followed up with me through email nor calls. But all of them CS said they will, that did not happen. I kept on calling for an update. Today XX/XX/31 at around XXXX I was told that their bank partners are having technical issues. All the reasons and excuses that you could imagine. Money in minutes turned into money available in days. It's not available yet this is the 4tXXXX day.
Product: Mortgage

As a mortgagor to XXXX XXXX Bank XXXX XXXX XXXX, serviced by Ocwen Loan Servicing , LLC, I suffered a substantial loss in income in mid XXXX and applied for a loan modification. Ocwen referred me XXXX XXXX and I paid it {$3000.00} to assist me in the loan modification process. My modification was approved XXXX XXXX, XXXX, and I made my XXXX timely trial payments of {$990.00} and thereafter XXXX more timely payments, when on XXXX XXXX, XXXX, Ocwen refused that monthly payment and indicated that the loan was cancelled. It told me that Ocwen had failed to provide a modification document to me and because it did not have it the loan modification was cancelled and claims that I must redo the loan modification process. If it failed to provided necessary paperwork. Why am I being penalized for its mistake? Further, Ocwen is reporting payments as not being timely made, when in fact, all loan modification payments were timely made until it refused the XXXX payment. It refuses to provide me with the information I need or the document that needed to be signed and is wrongly reporting to the CRA 's that I was tardy with my payments, even though I made each payment timely.