23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX - I submitted a form to have my payment be calculated for XXXX XXXX XXXX. The website informed me it would be 15 days for that to be processed. 
Sometime in XXXX I called and was told my payments would be in forbearance while the form was being processed. 
On XX/XX/XXXX, after they drafted {XXXX} ( in XXXX separate drafts ) from my account, I removed my bank account information and canceled the auto debit authorization through the company 's website. I also messaged them to say I do not authorize any auto draft as I am in forbearance. I requested a refund. 
XX/XX/XXXX, I messaged them again stating there were XXXX additional forms submitted that I had not submitted and I had not received a refund of the illegal drafts. 
XXXX XXXX, they drafted my account again. And I messaged them again. 
XX/XX/XXXX, I messaged again. 
XX/XX/XXXX, I received the processed letter with my payment adjustment stating my payments would begin XXXX... yet they drafted off my account again on XX/XX/XXXX. Again, no refund has been received. They did respond to this message stating they need more information and I have to call. The issue with that is, I have called. I believe three times I have confirmed with their agents that those payments should not have been drafted and will be returned to me. Yet, they continue drafting... even though I removed my bank account from the website. Even though I submitted to cancel the auto draft. Even though I have repeatedly messaged that I do not authorize the auto drafts. The agent on the phone says the payments are not being auto drafted, that I am calling in and making payments. I am not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Credit Card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX and a Credit Card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent derogatory accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

CALLING BANK OF AMERICAS XXXX At a Bank of America branch, I begged the clerk in charge of business accounts XXXX and the manager XXXX XXXX to help me order checks. The complexity ( and I had learned from the credit card fiasco that can doom the transaction ) was this : On the check should be printed my new address, as of XX/XX/XXXX, in OH. ( The relocation is business-driven. ) The checks should be shipped to my current in XXXX since I have only a few checks left and relocation involves writing checks right now. 
Both XXXX and XXXX XXXX told me to do what I told them I had done last night and it didn't give me access to anything : That is, call the customer service number provided by Bank of America XXXX. They did not listen. That links into credit card services. Not to the bank per se or to checking. 

I had no choice but to start at that point again. They " allowed '' me to sit in their lobby and go about this journey of extreme frustration. 

Yes, it was the credit card number. For 16 minutes XXXX kept informing me he would help me, taking in copious details. He never informed me that he was not authorized to help, though. He was in credit cards. However, after 16 minutes he told me that he would pass me on to someone who could. He indicated he would brief someone with the details. 

That didn't happen. It was a cold transfer. From there was another cold transfer to business checking at XXXX. In business checking there was XXXX. Why didn't XXXX or XXXX XXXX give me that direct number to business checking? 

Was XXXX successful in accomplishing that mundane task of getting checks from me? I will know that in 10 business days. For express shipping the fee is over {$70.00}. Plus the almost {$30.00} for the checks per se.
Product: Credit reporting or other personal consumer reports

RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an Experian data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number ( XXXX ) and included with this letter. 
In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report.. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : See FTC report in attachment I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, I will be forced to pursue legal action against your agency, as allowed by law. Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC.

These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-complian ce ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent account from my credit report. 
I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated 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. Their dispute 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 has caused significant inconvenience and financial loss!!!!!
Product: Debt collection

It appears as though Midland Credit Management has violated a XXXX ruling against the company by the Consumer Financial Protection Bureau in XXXX by making threatening statements to consumers by threatening to file a lawsuit against them yet they fail to provide the burden of proof of debt of the original credit card agreement, proof as to who made the purchase, and proof as to who opened the account. All what they provide is a credit card statement that can be easily forged. The verbiage " we intend to file a lawsuit '' to me is a threat which to my understanding is a violation of the CFPB and is seen as an intimidation tactic with the sole purpose of intemidating a person into paying for a debt that they failed to prove. There are other areas in this letter that to me is a red flag for a scam such as " including the attached documents '' which by not providing everything that they have to me is a scam and or immediation tactic to get someone to pay for a debt that is not theirs.
Product: Debt collection

So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX XXXX 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company TrakAmerica, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to XXXX 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number XXXX the one that is in collections XXXX, and said he can't discuss it at all to anyone and that I needed to call XXXX, which is TrakAmerica 's number. XXXX 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against TrakAmerica.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the late opening of my accounts. Despite our previous correspondence and the efforts made thus far, it appears that the issue of late open accounts has not been resolved satisfactorily. 

As a valued customer, the delay in opening my accounts has been a source of inconvenience and frustration. I understand that resolving such matters can take time, but it is crucial to ensure that my accounts are opened in a timely manner to access the services and benefits associated with them. 

I kindly request that you escalate this matter and take all necessary steps to rectify the situation promptly. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$81.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 150 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

My ex wife was paying the bill. It got bought out by LVNV. No one from LVNV has reached out to provide the status of the account or to set up any type of payment plan prior to filing for a judgement. Then I went to court for the loan. They hired a third party lawyer. He did not have any information about this company. Judge and the third party lawyer told me that should appeal to force them to call me. I send the appeal process today. The sad part is that she only owes under {$6000.00}. 

I am seeking LVNV to contact me to set up payment arrangements or resolve the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023. I opened a checking with Citizens Bank. They had a promo Where you can earn up to {$400.00}. {$300.00} for having a direct deposit of at least {$500.00} in 90 days. And another {$100.00} if you activate and use the debit card for at least 60 days. Its been way longer than that and I still havent received my bonus money yet. Tried calling support about and they werent of much help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Experian stated my account was properly investigated of XXXX XXXX XXXX XXXX XXXX However, after their reinvestigation, my lawyer identified the following fields as being inaccurate : -Date Last Verified, -Date of Last Activity, -Date Reported, -Date Opened, -Closed Date, -Account Rating, -Creditor Type, -Payment Status ; -and monthly reporting. 

I have attached evidence showing these fields are all inaccurate and that the reinvestigation was not complete and accurate and rubber stamped. 

Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval. Experian- please provide evidence of approval to furnish this information or, in accordance with the law remove the account from my report.
Product: Mortgage

I am trying to close escrow on my mortgage, the lender for which is Mr. Cooper. I purchased my home in XX/XX/XXXX for {$470000.00}. The XXXX of XXXX re-assessed the property value of my house for tax purposes as {$520000.00} on XX/XX/XXXX, and I have documentation from them that states that my valuation is {$520000.00}. Because this is the city 's official valuation ( and is the basis for my taxes ), I believe it should suffice as the official valuation for my lender. My outstanding principal on my loan is {$420000.00}. The lender previously stated that I could provide the official letter from the city as proof of my valuation, and I intended to do that and make an additional payment of {$5600.00} to reach the XX/XX/XXXX principal to loan ratio to close escrow. However, when I called Mr. Cooper today they said that they would not accept the city 's valuation, and would require me to get a new appraisal by an appraiser of their choice, for which I would need to pay {$350.00}. Moreover, they said that the entire process would take months, during which time they will continue to escrow. I do not understand how it is fair that the lender will not accept the city 's valuation ( which informs my taxes ), and that they get to choose the appraiser, who will most likely value my house in line with what the lender wants ( which will likely be the {$470000.00} sale price from over 2 years ago ). Mr. Cooper is escrowing {$940.00} per month, so this is a significant financial issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 Capital One auto finance reported a fraud to my credit score account. My car I had purchased from them was stolen and I have a police report but capital one auto finance still put a fraud on my account and I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX :  XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/19 Speedy Cash put an unauthorized payment withdrawal through my bank for my adult son 's payday loan he was late on. I had used my card before and issued one time payments each time to help him out through their Speedy Cash mobile app. I did not issue a payment to them on this occasion. On XX/XX/19 I called my bank to start the dispute process and I also sent an email to Speedy Cadh asking them to reverse the unauthorized charge. I also went onto their app to remove my card information, however their app does not give an option to delete or remove prior payment methods. I called my son and he told me that they had tried to take it out of hid bank account twice before they decided to take it from my card information. So I immediately called my bank, had my card stopped and replaced and sent both Speedy Cash and my bank the documentation proving the payday loan account was not mine and that they used the card without permission to ensure their loan payment got paid without regard to whether or not the account they were taking from was my son 's. My bank now tells me the dispute will be open until XX/XX/19, and they can't guarantee I will have my money returned. On XX/XX/19 I received an email back from Speedy Cash stating they could not discuss confidential information by email and to call them. So I responded back to them that I didn't have an account with them it was my son 's account and they had no right to take money out of my account just because I had used the card to help him out by physically entering the payment authorization myself. No response so I call the number they gave me but I was informed they couldn't speak to me about because it was someone else 's account. In the mean time this has left my account in a minus balance with no way to buy groceries for the week and take care of my own finances. I have sent both the bank and Speedy Cash the same documentation showing the loan account is not in my name and asking them to reverse their mistake but neither one wants to help or respond. And it is not right that I should have to wait for one more minute to get back a payment that was fraudulent and proved not to be my account. I want them to return my money immediately instead of giving me the run around that they can't speak with me because it's my account. And the documentation that I sent should be more than enough to close the dispute with my bank and have them return the money ... ... what does it take for them to look at the documents and right away straighten this all out immediately instead of waiting almost 3 full weeks ... what is Speedy Cash and my bank both holding out to return it? I want immediate answers and actions. I want the money back now ... ..I didn't physically authorize this payment, it should be considered fraud and theft. And Speedy Cash needs to seriously be looked into, why would they ever be allowed to get by with taking money that doesn't belong to them?