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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 inaccurate. 15 U.S. Code 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 reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX and pursuant section 605 of the fair credit reporting act I have ask to block this information from my credit report!
Product: Mortgage

I knew approximately 60 days I was going to be out of a job and completely out of income. I was also rapidly depleting savings. I started to reach out to my servicer, Carrington, as quickly as possible to advise them of my situation and to request a forbearance or deferral in order to help preserve my credit while Im aggressively pursuing new job opportunities. 

For the last several weeks, i have submitted documentation, i have submitted letters of explanations and Im now officially late by two weeks. All I had were sporadic emails telling my loss mitigation request was missing documentation. The department REFUSED to talk to me, hear my case and I was forced to talk to 7 different customer service reps who had a variety of different versions of my assistance request. They called me to demand payment today. I told them i had repeatedly provided loss mitigation everything they needed. The rep then put me on hold spoke to the department and then came back and said that they closed my case and stated that i just default, tarnish my credit before theyll even start to consider working with me!

The VA service rep tried to help as well and they were essentially told, no assistance would be provided. Trying to be a responsible debt holder has been painful to say the least and Im in desperate need to guidance and help to have their loss mitigation stop ignoring my calls for help.

Please help me bring direction to this. I do not want i lose out home and am just asking for temporary assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.
Product: Debt collection

Worked out plan with orginal creditor. Explained that this is a HIPA violation for medical information to be reported to credit bureau.
Product: Consumer Loan

Dispute is with LendingTree, an agency who claims to provide you with options to " save '' on your current auto loan. I am very disappointed with the service! Numerous ( separate ) inquiries by their partners were done after accepting their offer to " save ''. I called the different companies who inquired on my credit and was told that the authorization to pull credit was submitted by Lendingtree. I did not authorize for separate inquiries to be done! I called Lendingtree and was expecting for them to be " apologetic '', instead the representative showed no apathy. She mentioned that the disclosure to run numerous inquiries was on the request. I checked the application and the disclosure was very subtle, thus very deceiving. After all this commotion, I did not receive an offer that would actually save me money.
Product: Checking or savings account

I sent in a complaint several months ago, XXXX I believe, and got a response from you. Complaint number XXXX. Your response dated XX/XX/XXXX said I had 60 days from when 5/3 bank answered the complaint to give feedback. Today is XX/XX/XXXX and when I logged in to try to respond I can't click next, it says case is closed. I do want to provide feedback. The answer indicated I had no case because there was no bank error found. I never said it was a bank error. It was HUMAN error, as I was told I had more time to add the extra XXXX to my account to satisfy all the conditions to get the bonus money for opening the account. If you look at the timeline as to when I added the extra XXXX you will see it corresponds with my having been told I had 90 days. I understand that a shorter time frame is in the small print, but I was definitely TOLD I had XXXX, and just though that perhaps 5/3 bank was the sort of honorable institution that would honor what a customer had been told, even if the information was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered a XXXX  XXXX in XX/XX/XXXX. My wife has been handling our families finances. In XX/XX/XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from transunion or XXXX. Im unable to answer security questions because they dont pertain to me. Please help
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 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I signed up for a promotion for M & T Bank under which if you leave {$10000.00} in the account for XXXX and XXXX, they would pay a {$350.00} promotional bonus by XX/XX/XXXX. The bonus code I signed up under was " XXXX '' but I later called to have this changed to " XXXX '' which also included an extra {$100.00} for having a {$500.00} direct deposit made tot he account. This bonus was already received. 

I transferred {$10000.00} to the account by XX/XX/XXXX and did not remove any funds until XX/XX/XXXX, so I met the terms of the promotion for earning the {$350.00}. 

I received a letter in the mail dated XX/XX/XXXX that my account would be closed as of XX/XX/XXXX. The letter did not contain any information about why M & T was closing the account. I suspect it's because they do not want to pay out pursuant to the terms of their promotion. 

I spoke to 3 separate customer service agents today, and each one had a different take on whether the bonus would be affected, so I am writing to the CFPB for clarity on this issue. It would also be helpful to know why M & T is closing my account and to confirm that it will not adversely impact my credit score or any other reports or my ability to open bank accounts in the future. I do have a recording of the last call in which the agent indicated that the payout of the bonus would not be affected by the subsequent closure of my account.
Product: Student loan

I have two student loans that were purchased years ago from XXXX by Discover Student Loans. Last XXXX, after months of attempting to set up automatic EXTRA payments on my highest interest account each month without spreading the payment between the two loans, I was able to successfully do this over the phone, which the company said was the only way this type of payment setup could be done. I set it up so that in addition to my minimum payment, which drew automatically from my checking account on the first of every month, that on the second of each month, an additional {$260.00} would be drawn from my checking account to pay down principal on my loan that was nearing ( now over ) 9 %. Today, I called to increase that extra payment to {$580.00} on the second of each month, only to discover that the payments I 've been making for the last 10 months in fact were not going solely to my highest interest loan as I 'd been told they would. They have claimed that this will be corrected retroactively in the next 7 days, but that there will be no notification once the change is made, I 'll simply have to check the balance to see whether it has reduced in the high-interest loan and increase in the low-interest loan. I worry this will have an effect on my XXXX document needed for filing my taxes.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I charged my client for custom made whole sale products From my cosmetics business .it was set to arrive the following business day I then allowed my client to leave with product. Square then froze my account discontinued services labeling the transaction high risk but would not Disclose why. After stating I need to allow them a 90 day holding period of the funds. Which places my small business in a bad state considering I sold most of my inventory and need the money to repurchase product and reinvest into my business. Also they sent out a 1099 form and reported the money already to the irs but have not released it
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a complaint with the cfpb earlier this month and XXXX ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX- I was never late on XX/XX/XXXX XXXX XXXX- I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXX XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Product: Checking or savings account

Hi, I signed up for a Citizens Bank One Deposit Checking in early XXXX and applied online with a promotional code that was accepted upon applying. ( XXXX ). The promotion was as follows : Get {$300.00} when you open your first new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Earn {$2.00} for every debit card purchase you make, up to {$100.00} within the next 60 days. 

The agents on the phone confirmed that I completed both the direct deposit and the 50 transactions and specified that per the terms I should be paid by XX/XX/XXXX. Unfortunately, I did not receive the bonus and after calling three times and asking for information, I was told different reasons such as, the " promotion was not linked to your account '', " you had to go in branch '', etc. Agents were dismissive and did not want to resolve the issue. 

In fact, this promotion seems to run all year round as I can still find it at XXXX : 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 XXXX XXXX
Product: Student loan

I attended XXXX university from XXXX until XXXX. I returned home due to having a baby after completing my XXXX year of college. ( loans should not have been repayable until XX/XX/XXXX ) I then attend XXXX University from XXXX until XXXX - I submitted paper work for in school deferment while if was attending XXXX and XXXX XXXX. However now it has come to my attention that I did not received the in school deferment. Again loans should not have been may repayable until XXXX. Also I have also made payments, the best I could, as I was getting numerous collections calls during this time and now it has come to my attention Navient is showing my and my co-signers account as be 3-4 months past due. I would like to get credit for the months I was in school along with our credit reports reflecting no late payments are there should have been none due.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX 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 XXXX BANK XXXX # XXXX XX/XX/2024 -- {$1000.00}
Product: Credit card or prepaid card

Discover card implemented their payment protection program to my account without my knowledge or concent. Over the last XXXX years i suspect there has been close XXXX XXXX dollars charged to my account based off XXXX cents for every XXXX dollars of credit i have been rewarded. 

Dates and times for the past XXXX years are displayed in the attachments below. I was not able to go back more than XXXX  years in account history at this time. 



" Federal regulators conducted a year-long investigation into telemarketing and sales tactics used by Discover agents that misled consumers into paying for credit card add-on products they thought were free. These services included XXXX XXXX tracking, payment protection, identity theft protection and wallet protection. 

Discover card customers who were charged for XXXX or more of these products between XX/XX/XXXX and XX/XX/XXXX will be eligible for a refund based on the products they purchased and how long they held them. 

XXXX regulators said customers will receive a notice of the Discover settlement from Discover Bank. ''
Product: Credit reporting or other personal consumer reports

Inaccurate Inconsistencies in all of the Fraudulent Payments made on this account for XXXX & XXXX of 2024. XXXX is reporting 2 payments were made, in which one fraudulent payment was made in the month of XXXX and the application wasnt filled out until XXXX, so could have never made that payment at all. While the other payment is being reported for the of XXXX, in which was the middle of the month of XXXX when applied for credit. TransUnion is reporting 1 payment was made for the same month of XXXX. In which I never made a payment on this account because I was told on recorded phone call a week later after the account was opened that the account was CLOSED. Due to social security number discrepancy from being a victim of identity theft. Both reports have two different Original Loan Balances.
Product: Credit card

This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Product: Credit reporting or other personal consumer reports

Under further investigation the credit agencies have decided to ignore the unlawful reporting and misuse/abuse of my consumer report, it is the responsibility of the credit agencies to verify the information in my complaints and remove these violations 15 usc 1681i ; the consumer report does NOT include the transactions/experiences between the consumer and the creditor 15 usc 1681a ; this information is being included with the intent to abuse/misuse my consumer report in the hopes of further damaging my finances and limiting my ability to a natural way of life
Product: Mortgage

SNSC and XXXX are involved in some sort of scam. While I was trying to cure the default the loan was turned over to XXXX. They've given different dates of when they got the loan and how much was owed. Now I can't get a payoff amount. SNSC said they can't tell me anything and I have to contact XXXX  and ask for a lawyer named XXXX XXXX. I called XXXX and XXXX hasn't been with the firm in four years. I was never offered a loan modification or mediation. They are in the midst of an illegal foreclosure. I've been requesting a payoff statement since XXXX and they refuse to provide it. They are breaking Federal law 15 U.S. Code 1639g.
Product: Credit card

I was at my XXXX was XXXX and my bill was high, they offered me carecredit company they said to me it 0 interest for 6 month and i did signed up. 
I was making payments every month but wasnt enough to finish all the amount i took from the card. 
After the 6 month 0 interest pormotion finished the company has charged me over XXXX dollars almost XXXX for the first 6 month which is the pormotion period. 
How come its pormotion and 0 interest and now they say cause i didnt pay in full before 6 month they charge me past 6 month which should be 0 interest. 
They scame they didnt explain this when i signed up for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account showing multiple entries on this student loans on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete