23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, XXXX C.F.R. XXXX XXXX c ) ( XXXX ) ( i ). 
The lender states that they are unable to reduce the monthly payment - The lender has failed to review this borrower for a principal reduction or the HAMP program prior to XXXX/XXXX/XXXX - no offer of extending the terms to XXXX years with a reduction of the I/R to make the payment affordable - The client has also submitted contributor information and a change in circumstance regarding his financial obligations that would allow him to afford the mortgage payments are they are stated on the loan currently - The lender has made no effort to assist this borrower in a loan modification, an appeal was submitted XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX showing the change in circumstance, and they lender is still unwilling to modify the loan or assist the borrower in a principle reduction to retain his property.
Product: Payday loan, title loan, or personal loan

1st Choice issued a {$750.00} loan on XX/XX/XXXX. The 1st payment was due XX/XX/XXXX which was too soon and I requested numerous times to.have 1st payment due XX/XX/XXXX. I had requested the first payment due on XX/XX/XXXX but they denied the request even though extending was shown as an online option. 

I ran in to a financial hardship where I could not make my 1st payment on XX/XX/XXXX. 

On XX/XX/XXXX, they violated my Financial Privacy by calling my job, my references and my landlord. My job was disappointed by this call. 

I was told verbally prior to the loan disbursemen that my job, references would not be contacted. I was told via email as well. 

1st choice made these calls after the loan was disbursed and after I was told they would not contact them. 

I have complained to 1st choice customer service, collections department, and department manager has been aware. They have done nothing to resolve this violation.

They have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I have attempted to find a reasonable payment solution. 

I appreciate your assistance with this matter and hope you'll provide me justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting will not allow me to submit a dispute for negative items.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts.. 

Reporting in XXXX : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

Reporting in XXXX : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Reporting in TRANSUNION : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report.
Product: Debt collection

I was charged for an appraisal for a home mortgage from Prime Lending, that I did not order, sign up for, or agree to pay for. 

This is the last correspondence from the lender : XXXX XXXX XXXX to me, XXXX XXXX XXXX, We are all set to move forward after reviewing your income. Most important next step : you should 've received an email to e-pay for your appraisal. Please be sure to do that today so that we can order your appraisal. We need to get it ordered quickly since VA appraisers take up to 2 weeks to get reports in. 

We are beginning processing your loan. 

Let us know if you have questions. 

Thanks, XXXX. Loan Officer PrimeLending NMLS # XXXX Office Direct : XXXX Cell/call or text : XXXX Apply online : XXXX I did not follow through, since I found a better offer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer services 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 in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : 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: Vehicle loan or lease

I made my first car payment on XX/XX/year> in the amount of {$640.00}. I was charged {$140.00} in interest. This car payment was due on XX/XX/year> and I paid it early on XX/XX/year>. The second payment I made was on XX/XX/year> in the amount of {$640.00}. I was charged {$300.00} in interest. This car payment was due on XX/XX/year> and I paid it on XX/XX/year>. I paid the third car payment on XX/XX/year> in the amount is {$640.00}. The interest taken out of this payment was {$620.00}. This payment was due on XX/XX/year> but was paid XX/XX/year>. However, this XX/XX/year> payment was reversed to interest only because I called after seeing they were charging me interest after seeing I was paying XXXX days early. I spoke with a manager who told me I could not pay early and avoid interest. Per my contract agreement, if I pay early, I can pay less in interest, or avoid it all together if they have not earned the interest. This is an ongoing issue because they had me showing I had made a car payment but only showing it towards principal leaving my car payment still due. I have since called and asked for a correction to the misapplied payments, but they continue advising they will still charge me interest on payments made XXXX  days or more. This is a violation of the contract agreement and I need your help to correct this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Owed : {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$540.00XXXX XXXX XXXXXXXX XXXX  Owed : {$310.00} XXXX  XXXX XXXX  XX/XX/2023
Product: Debt collection

I have attempted to connect with Midland credit in regards to a trade line on my credit consumer file. I have sent a cease and desist via certified mail requesting to remove off my credit consumer file and Midland credit refuses. While doing my due diligence, I discovered that Midland credit management poses as a collection company. According to the XXXX this company is known for not responding or stating they have not received the certified document as well as lawsuits against them for these practices. This is my final attempt to handle this matter outside of court. Please have this company remove this trade line from my consumer credit file.
Product: Money transfer, virtual currency, or money service

I fell into Job Scam, a fake employer reached out to me to through email and offered me a position to which i have previously applied, I believed email came from original employer and accepted the offer, Fake employer offered a Fake Job offer under company Name " XXXX XXXX '' they told me due to some logistic issues are not providing IT equipment in house, they have a private vendor who will be supplying me my IT accessories. They sent me Company checks to deposit in my account and pay out to their vendor once it is available, I deposited their checks in my account and My XXXX  XXXX  assured me that they were cashed, and Money was available, I already filed a complaint against XXXX XXXX Now i want file a complaint against Discover bank to whom my wire Transfer went through, I want Discover bank to trace out the end user and revert my Money wire transfer was for the amount of {$5400.00} to XXXX XXXX, home address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bank name discover Bank XXXX Account number XXXX Routing number XXXX bank address, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover bank should not let open Fraud account, they must require state issues ID and SSN to open any account, so authorities can trace the real culprit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year>. Since then, the account has REPEADELY been updated as charged off every month. This is an update in the payment history that still has not been changed. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a DELETION of the following account : XXXX XXXX XXXX XXXXXXXX, Account number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and Experian ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, Experian, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency
to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EQUIFAX }. I believe these late payments are erroneous and do not accurately reflect my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 section 604 A. States I have a right to privacy. Equifax has violated my rights! 

On ( XX/XX/2022 ) I discovered ( XXXX XXXX XXXX XXXX ) had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been enrolled in school XXXX XXXX since 2016. XXXX XXXX XXXX and US Department of Education are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school XXXX XXXX. I have disputed the two XXXX  XXXX XXXX accounts and the two US Department of Education accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and US Department of education and both have told me that they will not change how the loans are reporting
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 XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ).
Product: Payday loan, title loan, or personal loan

XX/XX/2020 i recieved a phone call from covertington credit in XXXX XXXX tx serveral calls about my monthly payment ... .i refiance my loan onXX/XX/2020which i know a payment is due XXXX from the date you get the loan my phine was blown up for a payment that wasnt even due an gon na say we just calling because we know you got your ssi an we wan na make sure we get out money today for your payment due XX/XX/2020 i wan na file a suit againt the company for harassment an trying to scam money from a disable person payment XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 in accordance with the Fair Credit Reporting act all these companies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These companies are reporting fraudulent information that is not mine. 

11 XXXX XXXX account number XXXX, 11 XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, Below are a list of companies who have made inquires on my account that I have had no knowledge of or have I authorized these charges. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Below are addresses I have never lived or associated myself with ever. Please remove these inaccurate addresses. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by XXXX XXXX XXXX XXXX, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.