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

While checking my personal credit report, which I acquired fromXXXX  Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>, and XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Student loan

i keep trying to get a hold of customer service for Navient because i want to make a pmt and i cant login in the website. there is no way of me getting a hold of a live person to speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX  XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Product: Checking or savings account

I made a deposit of my unemployment check to my Huntington checking account on XXXX I received an email from the bank stating that my deposit was available as of XX/XX/XXXX - this email was delivered to me XXXX 

Ive called several times and have been told that theyre investigating my deposit and verifying information. 

The last time I called they advised that my account was high risk and will be closed. Ive still yet to receive my deposit in any form. 

I received a letter stating that my deposit would be available XXXX and still nothing. No further communication has been received from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681 SEC 602 States, " I have the right to privacy '' 15 USC 1681 SEC 604a SEC 2. it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as LATE for ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some assistant with the following unverified accounts that are showing on my credit report : XXXX  XXXX  XXXX XXXX # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX
Product: Debt collection

This company has put this on my credit report I have no idea who they are I never received any information and I have asked him to remove it I asked them to give me a written out contract or some form of commitment that I owe them money. They do not have such contract because that has never occurred. Therefore I do not owe this company anyone. Unless they can prove that I do not owe them nothing. They also are using different names on their billing accounts to put their debt on my credit. How do I know this because it's the same amount different company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Macys. I bought a few things from Macys on Macys card # ending in XXXX. Later, I returned most of the items but made the payment for the purchases as well. Last payment was made in XX/XX/2019 which cleared the dues. But Macys is constantly charging late fee and interest charges since XX/XX/2019. Id really appreciate if u could help me resolve this case.
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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/ and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error that I would like to be corrected. 
These items are inaccurate because I have already rectified the inaccuracies in these accounts from their records due to identified errors. I am requesting that the items be investigated and corrected to reflect accurate information. 

Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage is currently serviced by Nation Star Mortgage. This mortgage debt was discharged in a Chapter XXXX Bankruptcy in XXXX. Since the discharge date, Nation Star Mortgage ( NSM ) has promised to re-establish a new mortgage note, but has never followed through. NSM has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX. Pro. No. XXXX, XXXX. # XXXX XXXX XXXX. XXXX. NY XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX XXXX. NSM is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. NSM has also refused to issue a restatement quote to me as well. They claim the balance due {$58000.00} and the past due amount is {$8700.00}. These figures appear to be severely distorted since the original loan balance was {$54000.00} in XXXX. I should be paying the loan in full at maturity in 7 years ( XXXX ). The overall distortion of the balance, payments and escrow are clear violations of RESPA as well. NSM has imposed a foreclosure sale date of XXXX and I do not want to lose my home. I feel cheated and deceived by NSM and I am seeking your assistance on this matter.
Product: Mortgage

My mortgage with XXXX XXXX was transferred to BSI Financial Services. BSI 's website has no email for customer service. Their phone number puts you on hold and if you are on hold for more than 10 minutes, they force you to leave a voice-mail and then disconnect your call. I have been trying for several days to get in touch with them and it is impossible to speak to anyone to make my mortgage payment. In searching online, this company has disregarded people 's attempts to contact them to the point of penalties and foreclosure. There are nothing but complaints for this company. I have already contacted XXXX XXXX to tell them to never sell off a debt to this company again.
Product: Bank account or service

After citibank pulled out of MA, I called the customer support line to have my account closed and mail me the check on XXXX XXXX, 2016. I was told that would take 5-7 business days. However, after 2 weeks not receiving the check, I called again on XXXX XXXX, I was told check was mailed out on XXXX XXXX, but they mailed to my old address, which I do n't understand because I have been receiving citibank statements in my new address for a few months already. I asked them to stop the old check and reissue me a new XXXX to my new address, which I gave to them over the phone. They said ok. However, after two weeks, I still have not received it, so I called again on XXXX XXXX, asking them to stop the old check and re-issue me a new one to my new address. I have to give them my new address one more time over the phone, since their database still seemed to have just the old one. Again, they asked me to wait for 5-7 Business days. Still no check, so I called again on XXXX XXXX, repeat the same thing, being told the same. Again, on XXXX XXXX, I called, repeated the same thing again, being told the same again. However, on XXXX XXXX, when I called again, I was told, " we have sent you the check on XXXX XXXX, and you have cashed it on XXXX XXXX ''. I said I never received the check, how can I have cashed it? then the person said, " well, if you have not cashed it, you will need to prove to us you did not cash it ''. That made me really mad. 
What kind of customer service is that? 
I have been calling so many times, saying I have not received the check, now you are saying I have actually cashed the check? 
I asked them to send me a copy of the check, which they did. 
The check was not signed. 
How could citibank release fund when the check was not signed? I asked. 
the person said, " well, if that was your own account, we did not require you to sign it to cash it. " How ridiculous is this? 
Now they have handed me over to their Dispute Department, because it was a " dispute amount '' according to them. 
I think there are so many mistakes they have made : 1 ) Sent the check to my old address while my statements are sent to my new address. why they did not check my most-up-date address while issuing the check? 
2 ) customer service is not doing their job at all, as there was plenty time to stop the check. ( recall the check was cashed on XXXX XXXX, and I have called twice in XXXX to ask stop the old check and send a new one ) 3 ) Some people in Customer Service is not professional at all with that kind of remarks and tone. 
4 ) Citibank has huge security flaw, how can the fund with amount of $ XXXX be released without the check being signed with ID verification? 
5 ) It should be so easy for citibank to follow through this check and see where/who has cashed it. yet, now instead they want me to prove to them I did not cash it by post mail me the Affidavit, which could take at least another week to arrive. 
What bureaucracy is this?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BlocK Inc. XXXX to XXXX XXXX XXXX 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 a XXXXWas 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/2020 I purchased furniture from XXXX XXXX through the finance company XXXX XXXX. However, on XX/XX/2020 I called XXXX XXXX Manager of XX/XX/XXXX ) and informed him that I wanted to cancel the furniture that was supposed to be delivered on XX/XX/2020 because I found furniture somewhere else. XXXX then informed that he had canceled it and sent an email to XX/XX/XXXX I asked him to cc me on the email and never did. I realized in XXXX that easy pay sent me a bill. I immediately called XX/XX/XXXX and XXXX XXXX as well as placed them on a three-way call. XXXX said he sent an email and was sending another email right then. XXXX XXXX  said they paid fXX/XX/XXXX the full amount for the furniture and wanted their money back. XXXX informed all of us he emails them to cancel furniture. I called XXXX XXXX and XXXXXX/XX/XXXX every month and XXXX told me that they sent email, however easy pay said they never received confirmation. I then went to the XXXX XXXX located in XXXX in XXXX of XX/XX/XXXX and they were very rude and threatened me. I have the recording of the whole incident. I asked them to please send XX/XX/XXXX and email and call them to say that I never received this furniture. XXXX at XXXX XXXX informed me he could not do anything about it. No documents can show that the furniture was delivered to my home and I signed for it. With all business activity it will show when I received and signed for this furniture. Therefore, if not proven the furniture was deliver to me, then I should not be held accountable. Now, this is still on my credit as a debt collection. XX/XX/XXXX is saying they can not do anything until they get their money from XXXX XXXX. XXXX XXXX has lied to me several times about taking care of this and they never did. In my hypothesis, XXXX XXXX paid XXXX XXXX for the furniture and XXXX XXXX took the money and never paid them back. XXXX and XXXX have informed me that they could not find the file and the contract withXX/XX/XXXX contract null and void. Please HELP, this is very unethical for a company to do fraud and place this on my credit and I never received this furniture. I am not sure which company is wrong or right, but I feel both are wrong in my eyes.
Product: Checking or savings account

I typically get my direct deposit on XXXX. However, no deposit was made on that day. Capital One said the issue should have been fixed by XXXX  morning XX/XX/year>. 

It's now XX/XX/year> and I have yet to receive my direct deposit or an update. I've received several NSF fees for bills that were supposed to be paid due to Capital One errors.
Product: Checking or savings account

This is XXXX XXXX. I have XXXX checking accounts with XXXX XXXX and have claims going on for the merchant specially XXXX they took so much money from my accounts and al of these transactions showing last four digits of my debit cards used online somewhere. I have never done any business or anything with these merchants and never authorized any of these transactions included in the claim. I have never given my cards details to these merchants. XXXX XXXX never sent me any text alert or notification to verify if its me or not when XXXX taking money out. XXXX  XXXX  couldn't gave protection while these transactions were happening. Now they denied my claims in XXXX day stating I used my card. When fraud happens of course someone use card online to fraud the accounts. I have never putted my card to any of these merchants machines and never gave my cards details to these merchants. I am requesting and appealing XXXX XXXX to reopen my claims with deep and thorough investigation and its not small money. I am informing FDIC and government agency about this case. 



XXXX XXXX, XXXX XXXX XXXX XXXX, VA, XXXX. 
Cell : XXXX XXXX Acct # XXXX : XXXX # XXXX. 
Claims # XXXX, XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a notarized statement on your letterhead confirming compliance with the Fair Credit Billing Act ( FCBA ) regarding my account during the period of my association with your company. 

As you are aware, the FCBA mandates accurate billing, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information. 

In accordance with these requirements, I kindly request that you provide a notarized statement affirming your company 's compliance with the FCBA in general and specifically regarding my account
Product: Credit card or prepaid card

1. I am baffled that Comenity Bank has been unwilling to delete a fraudulent account that is currently showing on my credit report.

2. I provided proof that I filed a report with FTC and made it abundantly clear that I did not open the referenced account.

3. Comenity Bank is basically telling me that my Identity Theft claim is unfounded as per an investigation apparently carried out by their Fraud Department.

4. I dismiss the preceding paragraph in its entirety and would like to make it clear to CFPB, but not limited to, that Comenity Bank actions of reporting an account on my credit report that I did not open per se, is a clear violation of the FCRA and other applicable statutes. 

5. To avert litigation, I am taking reasonable steps to have Comenity Bank delete this inaccurate and harmful and damaging trade line from my credit.

6. It matters not to me that Comenity sold an alleged debt to a 3rd party. It has nothing to do with me being a victim of Idenity theft. Instead of resolving this issue, the bank has employed stall tactics to sway me from fighting for my right to an accurate credit report.

7. They have failed to provide evidence of their investigation ; failed to provide evidence of the application, contractual agreement and/or ID that I allegedly used to open the material account.

8. I will not be swayed from having this matter resolved. A subpoena of such information and other records might be forthcoming if this company does not cease from its unfair business practice and discriminatory stance.
Product: Credit reporting or other personal consumer reports

Hi, I called Equifax to report that my credit score dropped by XXXX points, without any acceptable reason. My activities have effectively been unchanged, I maintained more or less the same balance on my credit cards, have not opened any new accounts with associated hard enquiries into my credits. 

Typically, my credit score ranges by +/- XXXX points - this is acceptable due to impacts with small changes with credit card balances etc. However, no explanation or reason for why the sudden drop by XXXX points between XXXX and XXXX of XXXX. I went over the details with both an associate and supervisor for Equifax on XX/XX/XXXX with call reference # XXXX. All they offered was to send my credit report to me- which I already had and was the basis for my making call to them. 

The only change I note over the year was my debt burden went down overall- but this should be a positive not a negative. As I have continuous and good credit history - no defaults, late payments etc.