23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for XXXX loan forgiveness for the remainder of my federal loans, after working in a XXXX for XXXX full-time consecutive years. My application was denied because part of my loans, which were consolidated in XXXX, was from prior to XXXX XXXX, XXXX. Most of my loans are from after XXXX through XXXX. I do not think it is fair that I have met the qualifications, and I 'm being " punished '' by a denial, because part of my overall loan is from before XXXX XXXX, XXXX. Consolidation is not a part of the language of the law, and consolidation is a natural, financially savvy way to save money on loans and/or debt. Essentially, I was told that I 'm being denied because my loans are consolidated with whatever loan is left from prior to XXXX XXXX, XXXX. If I never consolidated, then, the loans from after XXXX XXXX, XXXX could be forgiven. I do not think this is fair, and also, it seems I have a valid argument here, because the law does now mention consolidated loans. Also, the new date on the overall loans is the consolidated date of XXXX/XXXX/XXXX, so why is that not the date of the loan forgiveness?
Product: Checking or savings account

On Tuesday evening, XX/XX/2021 tried using my debit card to make a {$8.00} purchase at XXXX ... my debit card ( Serv 1st Bank ) was declined ( balance was {$410.00}, had gone to the bank earlier in the day ), tried several times. 

Last week the same problem tried to make a purchase on line, ( balance was over {$400.00} ), called the bank, spoke with Ms.XXXX, state that a previous online order ( on XX/XX/2021 ) made to XXXX in Arkansas was in question, but they let the order go thru, then decline my card for further use. 

Which did not make sense, if your questioning the purchase, don't allow the purchase to go thru. I made the purchase to XXXX on XX/XX/2021. 4 to 6 weeks ago the same thing happen again, tried making an online purchase, my card was declined. I called the bank spoke with XXXX or XXXX, he state that the bank controls my money, I then drove to the Bank, spoke with Ms. XXXX, she that the bank does not control my money, if there is a question then they contact me. 

I have never had a problem with my card until 3mos ago. I think it is racially motivated, by bias persons working at this branch and condone by the CEO of this bank. 

Please investigate Servis 1st Bank on XXXX XXXX, XXXX, AL XXXX.
Product: Credit card or prepaid card

Hello - I have a credit card account with Chase Bank. It's a Sapphire Preferred card and I use it often and pay it off each month. As a customer, I've received several emails lately inviting me to apply for the Chase Freedom card ( no annual fee and {$200.00} credit when making at least {$500.00} in purchases over three months ). I didn't apply because I don't need a new card ( and wouldn't want an inquiry on my credit report when I don't need to apply for new credit ). I logged in to my  regular account today ( XX/XX/20 ) and saw on the right-hand side of my screen that I had been approved for this new ( to me ) Chase Freedom card. I was surprised because I'd never seen that language before - that I was approved ( without applying for the card ) ... not that I was " pre-approved '' ... but " approved ''. Now I was interested because I presumed ( turns out incorrectly ) that I was approved for this card and that should then mean no hit to my credit by way of a hard inquiry. So I  clicked through ... confirmed some info and clicked on the button to submit the info. I was taken to a screen that said my application was under review and I would receive a card in the mail in XXXX days if I was approved. I immediately received an alert from XXXX also stating that I have a new hard inquiry on my report from Chase that will stay on my credit report for 25 months. I know from past experience that anytime you don't get immediate approval you are not approved. So now I am here without the card ( even though it said in my account that I was APPROVED for this card ) AND a hard inquiry - which is what I am truly upset about. I tried calling the company and was on hold for 17 minutes before I was told that she's sorry she can't give me the answer I am looking for but that any time you apply for credit your credit report is  pulled. And that I should have clicked on the terms and conditions to see this ( incidentally, this type of info should not be buried in a terms and conditions section you have to click on ). I explained the entire thing again - that it said I was APPROVED already, not PRE-approved, and that I just submitted/confirmed info. Nowhere did it say I was applying or that I was getting a hard inquiry on my report. I'm not an XXXX - I have an extensive credit file and good credit, so of course, I know that you normally would have a hard inquiry if you were APPLYING for credit. But this said ( as I was logged in to my current account ) - that I was actually approved for this card. Again, I do not care about getting this card - I just don't want the hard inquiry - would've never put the info in if I had known.
Product: Debt collection

I am writing to submit a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act. 

XXXX XXXX XXXX XXXX is a third-party debt collector that has been contacting me about a debt owed with XXXX & XXXX XXXX  XXXX On XX/XX/year>, in exercise of my right to ask them to cease collection efforts, I mailed a cease and desist letter to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, DE XXXX, asking them to stop contacting me about the debt. I also advised that I am judgement-proof. My income is exempt from collection and I have no assets. My letter is attached to this complaint. 

I mailed this cease and desist letter to XXXX XXXX XXXX XXXX via certified mail with return service to my local legal aid office. On XX/XX/year>, I received the green card receipt indicating that XXXX XXXX XXXX XXXX received my cease letter, and a representative had signed off acknowledging receipt, on XX/XX/year>. The green card receipt is attached to this complaint. 

On XX/XX/year>, XXXX XXXX XXXX XXXX contacted me again in violation of the Fair Debt Collection Practices Act. On that date, I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/year>, trying to collect on a debt owed to XXXX XXXX XXXX XXXX. Again, they received my cease letter on XX/XX/year>. Their letter is attached to this complaint. 

I am therefore submitting this complaint with your agency against XXXX XXXX XXXX XXXX for contacting me after receiving my cease and desist letter in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Ive disputed & challenged the validation of this debt twice asking for hand written consent with Original contract and my wet signature.

n 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has deleted this account. Rest of the bureaus must follow suit. 

Hard Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 information is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
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Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to unfair practices, missing transactions, & inadequate customer service, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to address fraud in a timely manner, Cash App also fails to take the appropriate/ effective measurements to prevent or address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, the dispute process is unfair and deceptive as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant financial loss and inconvenience, I seek appropriate redress of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays a Wrong FICO SCORE XXXX Rates my fico score as XXXX from XXXX, Equifax shows my FICO score at XXXX from XXXX and my XXXX FICO score was XXXX and dropped to a XXXX is inaccurate because of all the fraugent items that's displayed on my account. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Product: Mortgage

My insurance company, XXXX XXXX XXXX XXXX, was trying to get a better home Insurance Rate from XXXX. It took 20 days to get a response from XXXX but finally on XX/XX/XXXX, 3 days before the expiration day, we had it. It went from XXXX XXXX plus to XXXX XXXX plus just removing my personal property from the insurance. We tried to make the full payment the same day we were told that Freedom Mortgage had already paid in full the XXXX XXXX dollars a few weeks before. Not an e-mail, not a letter, no information at all even when my account shows clearly that I do not want an escrow account. 
When I checked the Freedom Mortgage account a few days later I found a {$4700.00} escrow account not only for the insurance they paid but also for my end of the years Taxes. 
After checking the information, they posted on the web site, I called the Insurance Department to ask Why there was an escrow account and why they had paid for my insurance. He was not able to answer any of the questions, so he made a three line with the escrow department. We went over both questions, so the Insurance Dpmt guy went to check with XXXX about my policy. The communication broke so I had to call back again. Insurance guy told me ( a new one ) told me XXXX  won't give them the info What???? 
Then the escrow Department lady told me that it was a company policy to have an escrow account open, even when I told her that it was paid before the deadline ( XX/XX/XXXX ) We argue for quite a few minutes with no agreement. Sorry but if this is not racketeering, it is very close. I'm XXXX XXXX XXXX coming out of a XXXX, XXXX XXXX so I had to involuntarily stop working 3 years ago. My monthly payment has gone from {$1200.00} to {$1800.00}. Let me know if you need any doc 's to send them immediately. 
Thanks. XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Bank of America credit card on XX/XX/2014 and consistently paid my credit card on time. I opened a new credit card via another bank and moved all my purchases and reoccurring transactions onto that card. However, I forgot two reoccuring purchases for a annual domain renewal from XXXX for {$9.00} each that were still on my Bank of America card on XX/XX/XXXX. For some reason, Bank of America stopped sending me email notifications for my credit card and I did not pay them until XXXX. I paid the unpaid bills in XXXX but they still cancelled my credit card and reproted it to the credit agencies. Because of this, my credit score took a large hit from having 3 delinquent payments on my credit card bill of {$20.00} which is ridiculous. Bank of America did not try to contact me at all about this and automatically closed my account as well as revoked my travel rewards of {$150.00} that I accumulated. 

I contacted Bank of America about this issue and they said they would reimburse me for the travel rewards which I never got. I also tried to reach the credit department to dispute but I do not have the proper records since they closed the account and I can't access the previous documents. I've never had a worse experience with a bank over such a trivial amount.
Product: Debt collection

There is a collection account listed on my personal credit file that is NOT mine. Showing XXXX XXXX XXXX for {$470.00} again this does not belong to me. I want this removed and some help
Product: Checking or savings account

I was scammed Saturday XX/XX/XXXX. I bank with usaa and and I realized what was going on I immediately hung up the phone and called USAA. The representative was very helpful we went through my entire account changed all my security settings and everything everything was fine then all of a sudden my account was frozen on Sunday I have spoken to these people all day everyday and I can not get in touch with a higher authority and they're telling me they're closing my accounts I'm freezing my money for 60 days. I've feverishly tried to find out how to send in all the documents proving how this happened and they just don't care. All of mine and my husband 's deposits go in these accounts. I can't pay any bills or even get gas money. I don't understand why the ceo or vice president will not respond. I can not even speak to whomever is supposedly investigating the account. I can't even get an email address to send these documents to.
Product: Debt collection

NCB Management Service XXXX XXXX XXXX XXXX, PA XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Product: Bank account or service

In response to a public offer, I opened a CitiBank checking account XX/XX/XXXX. As of XX/XX/XXXX, I met the requirements for a {$400.00} bonus, which was to post to my account by XX/XX/XXXX. To date, no bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the nationally mandated shelter at home policy that then continued in my State of IL I was reported late by my credit card companies. I tried to be proactive and ask for help early on in 2020. However, these companies did not have assistance programs in place yet so they reported me late over and over month after month during the start of the pandemic. I have tried to dispute prior to now based on the HEROES ACT, my perfect pay history before the pandemic and my current pay history status, my proof of having the XXXX  and proof that my state of IL is still under a state of Emergency per our Governor XXXX who has made his own calls. 
I should not be penalized because the companies did not have programs in place yet, the pandemic shutting the world down, caring for family who were affected by XXXX, caring for myself when I contracted XXXX and being in the XXXX and XXXX industries which were some of the hardest hit. It was no ones fault why should anyone be punished?
Product: Credit card or prepaid card

2 months ago I applied for a mortgage and in order to obtain it I had to pay down any large debt that my husband owed USAA CREDIT CARD was one of my larger debtor so XXXX XXXX XXXX advisor XXXX XXXX suggested we pay them off in full. I investigated the charges to my account and discovered most of the charges were made after we had moved from our former address and were for XXXX XXXX males would order. I contacted XXXX and found out they mailed out a new credit card to my old address and two minor males at that address were purchasing body building products with the card XXXX sent to my old address in my name XXXX XXXX XXXX. I called XXXX and stopped the card use, determined what my real balance was, paid that off and requested they close the account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Accounts Due to Data Breach Dear XXXX, I am writing to formally dispute the presence of accounts on my credit report that were compromised as a result of the XXXX  XXXX data breach, where my personal information, including sensitive financial data, was exposed without my consent. This has been confirmed via .equifaxbreachsettlement.com, engagement # XXXX. The breach exposed millions of consumers ' data, including mine, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and other applicable privacy laws to request the immediate removal of any accounts linked to this breach.

As the breach has left my personal data vulnerable to potential identity theft or fraud, I am requesting that you remove all such accounts from my credit report. Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into disputed items, and if you fail to verify these accounts as accurately linked to me, they must be removed. Should you fail to comply with this request, you may be in violation of 15 U.S.C. 1681n, which allows me to seek statutory damages for willful noncompliance with FCRA requirements.

Additionally, I request that you provide verifiable proof of each account linked to me, including the chain of assignment/custody and the original signed documents that verify I opened and/or signed for these accounts. If you can not provide this documentation, I expect the accounts to be immediately removed from my credit report.

Please be advised that any failure to remove unverifiable accounts may also be subject to penalties under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, as unauthorized use of my information constitutes identity theft.

Should you fail to investigate this matter or provide the necessary proof of debt, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under 15 U.S.C. 1681o, which provides for civil penalties for negligent violations of the FCRA.

Enclosed Documents : ID & proof of residence Identity theft Report Credit Report Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

3 transactions to XXXX XXXX # XXXX on XX/XX/2021 totaling just over {$3000.00}. I reported the charges as fraudulent within 2 hours of the money being removed from my account. Chime denied my claim and closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debts result of ID theft, account takeover fraud etc-see links below ( court order, local police, FTC, iC3, etc included in links below for your verification-zip file too large for attachment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please delete lines immediately-waiting for months-accurate history needs to be moved to new credit profile granted for safety XXXX XXXX XXXX XXXX XXXX XXXX