23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX, previously XXXX XXXX, is the loan servicer for a PLUS loan I incurred while attending XXXX XXXX. Since XXXX, I have been timely making monthly payments on my loan via XXXXXXXX XXXX online website with no prior issues. On the evening of XX/XX/XXXX, I accessed XXXXXXXX XXXX website to log in and make my monthly payment. Upon entering my information and attempting to log in, I received a message that the " service was temporarily unavailable '' and to " try again later. '' I tried to access my account again on XX/XX/XXXX and XX/XX/XXXX and received the same message. At that point, I called XXXXXXXX XXXX  customer service phone line, only to encounter an electronic interface that would not recognize my account number or SSN. Despite best efforts, I could not get in touch with a representative of the company. I also attempted to use XXXXXXXX XXXX online email function to report my issue, but was met with the same problem, namely that it would not transmit my email. A quick Internet search revealed that many other customers are experiencing the same exact problem with XXXX. As such, I can not make my payment on my student loan -- which can only result in negative impacts to my credit score, late fees, etc. And evidently the company can not be contacted to resolve this issue on its end. In addition to this complaint, I have filed a complaint with the Connecticut Attorney General 's Office.
Product: Mortgage

I am filing this complaint due to the frustration XXXX XXXX and myself had in getting a payoff for our mortgage. 

XXXX XXXX XXXX XXXX XXXX called Selene Financial on XX/XX/XXXX, requesting the payoff amount for our mortgage loan. They were told that the information was unavailable due to the fact that they had only started servicing the loan on XX/XX/XXXX but the information would be available on Monday, XX/XX/XXXX. However, when XXXX XXXX called on Monday they were told that the information was still unavailable but they were attempting to get it by later that day. Every day that week, several times a day, XXXX XXXX called for the information only to told that the information was still unavailable but Selene would call with the information later that day or the next day depending upon the time that XXXX XXXX call. 

On XX/XX/XXXX, I called Selene and was told that information was unable due to the transfer of servicing the loan. They were aware of the problem and they were working on it and would supply XXXX XXXX the information as soon as they had it. For every question I asked, I was repeatedly told they were working on it. It was like they were working from a script and would not deviate from their specific verbiage. On that same day, I called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, to ask for any assistance they could give me so Selene would get the payoff information to XXXX XXXX. I was told that the matter had been escalated by Selene and they would do the same. 

On XX/XX/XXXX XXXX XXXX again call and were told the same thing, they could not access the information. That afternoon, XXXX XXXX told Selene that they were ready to report them to an agency who handles complaints regarding matters such as these. Within 5 minutes, Selene called XXXX XXXX with the needed information. 

With computers, even with the transfer of the mortgage from one company to another, it should not have taken this long to get the information. 

I feel that XXXX XXXX and myself were given the run around from Selene during this time and they were not trying to get the information we needed in a timely manner.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Cashapp failed to take timely and effective measues to prevent and address fraud on their account platform which left 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my SECOND WRITTEN REQUEST. This is a formal complaint that you, XXXX & Equifax, are reporting inaccurate and incomplete credit information. XXXX and Equifax are violating my consumer rights according to, 15 USC 1681e ( b ) Compliance and procedures ( b ) and 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

I am seeking the IMMEDIATE REMOVAL of the Accounts due to its inaccuracy since the debts. According to U.S. Code 8 - Obligation or other security of the United States defined, I OWE NO DEBT!!
Product: Debt collection

I got an email from XXXX XXXX XXXX say i own money to speedy cash. I don't have a loan with then and this is not my debit.
Product: Checking or savings account

On XXXX i deposited my payroll check in the amount of {$1500.00}. I then went to my landlords bank and wrote a check against the deposited funds on my Chase account only to find out today XXXX that my check is being placed on a hold until XX/XX/15. I have no access to any of my funds, my rent check is going to bounce even though I have never had any fraudulent activity, never bounced a check. I have been transferred and passed around to different departments. I cant close my account and get my check back because of the pending deposit. I am totally screwed. I want my check back and I want to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report.
Product: Debt collection

This is a scam trying to say I took a loan out and they have my social security number I have never taken a loan out before. They also stated they will hunt me and my family down which is a threat to me and my family. This company needs to be closed no one should ever be allowed to be making threats.
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

since my SS was compromised in my banks, started to call credit bureaus to put a freeze on my accounts< starting with Equifax : the agent " XXXX  ''? started to ask way to many irrelevant questions, which made me really very suspicious : learning that they are private entities, not govnt employed, I am reporting that interaction. Then I called XXXX, and just on the phone I could put the feeze on without talking to anyone. Sorry, my trust is gone, especially with nosy, unprofessional, pushy " XXXX '' agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/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.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase my own insurance separately. XXXX XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. 

Ally Financial XXXX has unlawfully collected 52 completed payments from me on behalf of this alleged debt. Ally Financial has harassed me regarding this debt. Ally financial has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Ally Financial an opportunity of notice to settle these violations civilly and in accordance with federal law. Ally Financial XXXX response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt therefore Ally Financial must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.
Product: Debt collection

Over the past month every day during the week and on the weekends. I receive a phone call from XXXX from XXXX XXXX. She has called my job at least 3 times and two times after the first time I told her not to via a voicemail. She keeps trying to pressure me into a cost in which I told her at this time i can't have phone conversations with you either i'm at work or I need to legitimately need to look to see if I can afford the cost by looking at my incoming and outgoing expenses. However, she calls every day not even allowing a chance of reprieve. Calling my job was really the last straw as I told her I can have issues at work, if she continues with her calling my job.They never even say the company in which I owe they just state their collection agency moreover, they give an added cost to the loan ( payday ) They include at least XXXX dollars more than what I actually owed. This started Second week in XX/XX/2018 and is still occurring at this time. I stated to her the reasons I couldn't afford to keep paying the loan company was because I couldn't afford the ridiculous interest rate and asked them if they could reduce and they wouldn't. I do have intentions of paying the company that I loaned this money from however, I do not have intentions of paying a debtor who may or may not have acquired my debt. Due to my husband loosing his job and me trying to care for a family of XXXX it has not been financially feasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. 

*XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXE ARE NOT MINE!!!!
Product: Mortgage

In XX/XX/XXXX, I was approached by XXXX sales representative XXXX XXXX, who offered me a solar system that would eliminate my power bill, have a 25-year guarantee, and qualify for a tax credit. He arranged financing for {$68000.00} through Regions Bank, even though the actual system cost was approximately {$35000.00}. I signed contracts in XX/XX/XXXX, and the system was installed in XX/XX/XXXX. 

On XX/XX/XXXX, I reported issues with the installation, including holes in my roof. XXXX acknowledged the issue but took no action. On the same day, Regions Bank made a full payment to XXXX, even though the system was incomplete. From installation until XX/XX/XXXX, my system remained nonfunctional, and XXXX ignored my inquiries. I eventually worked with XXXX XXXX and got the system running on XX/XX/XXXX. 

The system was supposed to eliminate my power bill, but it has not met the expected performance. The loan amount was inflated from {$35000.00} to {$68000.00}, and Regions Bank disbursed payment before the system was operational. I had no direct communication with Regions Bank, as all financing was handled through XXXX. 

I am concerned about fraudulent lending practices, misrepresentation, and breach of contract. I believe the inflated loan amount and XXXX false advertising, including fake XXXX accreditation and misleading claims about system performance, are clear violations. I am requesting an investigation into these practices and a fair resolution, such as loan cancellation or financial compensation for the issues I have faced.
Product: Mortgage

I did the loan modification after the forbearance but after taking the first payment was informed I had been denied for the modification because I didnt sign papers that I never received. After speaking with them again and making another payment they sent a new modification that was going to increase my monthly payments and put a lein or 2nd mortgage on my home, after reading over the agreement that was mailed promptly I contacted them to let them know I wasnt comfortable signing the agreement. I reached out to my hud counselor to see if they could get a better outcome.
Product: Mortgage

I want to SUE DITECH, I paid my mortage every month after my loan modification with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information and does not allow me to submit a dispute after prior disputes. However, this is unfair because the information is inaccurate. I have bank records showing my mortgage was never late and was paid off but they continue to report it as in bankruptcy. I also have an account with a rental company that went through the courts and the case was dismissed and I was not responsible for these charges.
Product: Checking or savings account

Direct Deposit delayed more than two days with no communication from CapitalOne at all.
Product: Credit reporting or other personal consumer reports

Violations of the Fair Credit Reporting Act ( FCRA ) in the credit report. 

Description of the Problem : I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : 15 U.S.C. 1681b ( c ) : This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization.

15 U.S.C. 1681s-2 ( b ) : This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided.

15 U.S.C. 1681e ( b ) : This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

Requested Solution : I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible. 

If you need to make any other adjustments or add details, let me know! Im here to help.
Product: Debt collection

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Payday loan, title loan, or personal loan

Account # ending in XXXX I have a negative account from a Regions personal loan that is being reported to credit agencies.

One problem is I have spent hours on the phone with Regions trying to dispute this - and they could not even find this account.

Problem 2 is that I have two personal lines of credit reporting - 1 which is fine, and this one, which shows missed payments, etc. that I have been trying to dispute directly with Regions with no success. 

Problem 3 is that this personal line of credit was tied directly to my bank account. Even if I accidentally 'missed ' a payment- the agreement was it would be automatically deducted from my personal account, so I should not have missed any payments just off this alone.

Problem 4 is I have disputed this with the 3 credit bureaus, and Regions confirmed that the reporting is correct. The attached show what is being reported, and there are a lot of discrepancies. Under the FCPA, confirming inaccurate reporting should result in them removing these items under my protection by this law. 

XXXX shows the account was opening in XXXX XXXX- but the first reporting is on XXXX on XXXX with me being 30 days late, and ends with a line for XX/XX/XXXX ( during COVID as well ), with me being 120 days late. The report says I paid in full, so how are they reporting that as the last line? It states it was paid as agreed, in full, and closed. 

XXXX shows the account as opening in XXXX of XXXX, but nothing was reported until XX/XX/XXXX. It says 73 weeks of reporting, and paid as agreed and closed XXXX shows 7 years, and all the missing lines from the 2 reports above all show as paid with XXXX during that time. The account closed date doesn't match the others as well. 

Regions, to this day, sends me emails saying I am pre-approved for another personal line of credit. That doesn't make much sense if they say I defaulted before. 

I am asking Regions, due to incorrect reporting that has directly affected my credit score, to remove this account from all 3 Bureaus.
Product: Debt collection

This debt is not mine. I was not admitted for any XXXX services at this establishment. This seems to be some type of clerical error on their part.