23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a {$12000.00} student loan in 1983. I defaulted on the loan and since then my paycheck, income tax and now my Social Security have been garnished. In the past 30 years the loan has been paid three times over but I still have to pay these collection agency fees. For 30 years I have been trying to get on payment plans to stop the garnishments but because the loan is in default, the collection agency would not let me set up my own payments thus the vicious cycle.
Product: Credit reporting or other personal consumer reports

I am writing regarding the recent decision to decline my Fraud Block Request for the account associated with the above account number. The explanation provided for the denial indicated that the account reflects a history of previous payments and ownership prior to the date I reported the fraudulent activity. 
XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc ) due to inadequate customer service 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 was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report according to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, XXXX, Transunion are all consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. 
The following financial institutions ; ACCOUNT NAME XXXX  XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ; A financial institution by definition under that title 15 USC 1681 Section 604a Section 2 states In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
These companies listed above, and XXXX, XXXX, and Transunion do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent XXXX, XXXX, and Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
These companies listed above never informed me of my right to exercise my nondisclosure option. 
15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agencies 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. These accounts are adverse items they are reporting again without my permission which is against the law.

15 USC 1681 2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, Transunion and these companies listed above are not maintain reasonable procedures. Also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. I also request that the inaccurate information be updated immediately. I also request that an updated report be made available to or mailed to the address attached.
Product: Credit reporting or other personal consumer reports

XXXX is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to 15 U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''
Product: Credit reporting or other personal consumer reports

My rights are being continuously violated by Equifax it started with the Breach of XXXX and my XXXX score has been erased and all of my accounts also, I have XXXX different companies reporting on other companies report but not Equifax because they are blocking my credit history trying to XXXX XXXX  me into paying them XXXX dollars a month to build my credit they just sent a response that I should call then when I did call them they said they are not blocking my credit but the fact is they are blocking my credit and I'm sending a screen shot as proof from there own website myequfax.com this behavior need to stop immediately!!!
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I did not give permission to report on my consumer credit. 

XXXX & XXXX is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XX/XX/XXXX, & XX/XX/XXXX, for my payment history update to on time payment paid as agreed ) 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Debt collection

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Product: Checking or savings account

XX/XX/2023 XXXX dollars was placed back into my account and made available to use and take out of the atm. Then ok XX/XX/2023 I had a over draft of XXXX
Product: Checking or savings account

I was stood up 4 times after making an appointment online with two bankers. This was after being abused by customer service. I talked to XXXX XXXX in the Executive offices to request a new personal banker, since the one I had for almost a year has never answered his phone and never called back! She said she would call me back but didn't and then later claimed illness. She did not give me service, on the contrary, she referred me back to someone who had abused and hung up on me, when I specifically told her I never wanted to speak to him again. I complained about this abuse and he closed my account against my will, endangering my life and threatening to hold all the money in my account! He intended to cut me off from getting food, paying bills or buying my prescriptions, which are keeping me alive, or even having any cash at all. I did not know there was a death sentence for criticizing the abuse I had received from them, but that's what it amounts to. I was directly depositing my social security check and will have to go through a lot of red tape to change back to a paper check because it is now illegal. I am too XXXX to change Banks or even go to cash my paper check. I just wanted customer service from a new personal banker and this is how they treat you! It's no excuse even if I did lose my cool a few times after being hung up on repeatedly because I was disputing a charge that would be recurring. I still haven't been able to accomplish this with anyone there in customer service or the Executive offices or even online making appointments that 2 Bankers didn't keep 4 times. I have also left messages with two more Executives in the Executive offices hoping to correct this extremely cruel off handed decision based on the fact that I am not allowed to objective to being stood up four times online and several times over the phone making appointments or being told someone would call me right back and they never did. They call this great service. They also say on their recordings how much they want to satisfy their customers, in other words they lie and lie and lie and we're just supposed to say nothing.
Product: Mortgage

I have tried to work this out for many years this loan is my second mortgage, but we have been trying to work with Ocwen Loan Servicing our Second Loan. 

Ocwen has put our home in foreclosure with a sale date. We have a first mortgage this loan is in second position. 

They want us to pay them as of XXXX XXXX the payments they wanted in a lump sum of {$290000.00} This second mortgage is constantly putting us in foreclosure. We really need your help. 

They will not work with us. They will not give us a workout for this loan or modification. 

This second mortgage is subject to our first mortgage with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete addressXX/XX/XXXX XXXX, FL XXXX and XXXXXX/XX/XXXXXXXX XXXX FL XXXX
Product: Checking or savings account

My husband 's mother passed away XX/XX/XXXX leaving an IRA account with Pacific Premier to be shared by her XXXX children. My XXXX  was unable to get to XXXX XXXX, WA to collect his portion. The bank manager told me that the funds would be held for him for up to XXXX years. He passed away XX/XX/XXXX without ever making the trip. I went to the XXXX WA branch on XX/XX/XXXX. I learned that the bank had issued a mandatory annual distribution check on XX/XX/XXXX in the amount of {$3700.00} and that only {$3100.00} was left of his share. I was unable to learn where the check was sent or even if it had been cashed. I'd like to know where the money went and why it was sent at all and the bank has not been able to answer my questions. I spoke to the XXXX at the XXXX branch and also called the XXXX number on XX/XX/XXXX. I was told that someone would get back to me but I haven't heard anything. I would appreciate any assistance that you can provide. 
Thanks.
Product: Checking or savings account

From XXXX I had a Wells Fargo student checking, savings, and a regular travel checking account. 
I was charged fees if i Didnt deposit money often ( 1x/mnth ) I was charged if i didnt swipe my card at least 10 times each month. I was charged for having a low bank balance and I was charged for trying to close my student account. 
I incurred many fees from this account which also affected my savings as the checking account would pull money from savings to cover fees. 
My travel account was {$100.00} to open the account. The account was compromised within a few days after opening it, while I was halfway through a trip! Wells Fargo had to freeze my account. I never saw the remainder of the money refunded and I was charged to close that account after the fraud/ compromise.
Product: Mortgage

Company refused to provide the name of a person where to mail a corrected tax filing.

The company lawyers were also impossible to reach to discuss any form of settlement, causing the property to be sold unlawfully, and is being contested.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I currently have a private student loan with this company. I have called them asking for my monthly payment to be lowered because I can not afford the payments in addition to my other bills. The rep took all of my expenses and came back and told me I can not get my payment lowered because I recently got a new car and I have credit cards with available money to use and balances on my credit cards which is incorrect because my credit report is not updated. I am trying to make my payments so I do not XXXX my credit and they are not willing to help. I did not knowing buying a car to get to work and to get my child to school would mean I can not lower my student loan bill. I am living paycheck to paycheck and have to not buy food sometimes so I can make my payments and this company is OK with that as long as they receive their payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I sent a payment of {$320.00} to XXXX through XXXX XXXX with XXXX. She banks with XXXX  XXXX XXXX and at the time said that she could see it processing, but then never received it. My bank has said the transaction has been completed. So she doesn't have the money, and I don't have the money. This was for rent and I now face possible eviction if I can not receive this money within the next month. Any help would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

My wife ordered some products from XXXX, for the total of XXXX $ I was unaware of the situation. When I found out is too late. I have the recipient email address : XXXX, when I tried to contact the person quickly deleted the profile. All of these happened on XX/XX/2020. I contacted PayPal, and started a claim and see what happens.
Product: Credit reporting

Experian show s   XXXX   old accounts ( 4-6  years old ) on my credit report that do not belong to me, along with several credit inquires, I was victim of Identity theft. After I notified Experian of this, they verified the information with  XXXX  and  XXXX   XXXX  then they re-dated the information giving the debts new current Failed to Pay dates, and took points from my  credit score  in both instances as though I had recent activity on these accounts, when all I did was dispute the information. Furthermore they now specifically note that I have recent missed payments which is not true.   In addition on  XXXX   XXXX  I sent Experian a registered letter, which they received on  XXXX   XXXX . This letter contained an official signed report from the FTC with my case number, verifying that I was a victim of identity theft, along with my SS #, a copy of my drivers license, a copy of an insurance statement as verification of my address, a copy of my credit report with information circled, and my complete addresses for past two years. According to the FTC they are supposed to block information within  four  days after receiving my request, which would have been  XXXX   XXXX . They did not block the information. Instead they sent me a letter dated  XXXX   XXXX , telling me to send all the information I have previously sent plus a statement from a law enforcement officer. They were not timely in their response to me, as I just received their letter on  XXXX   XXXX .   I will send the letter from the law enforcement officer to them, however, Experian has taken it upon themselves to further damage my  credit score  by falsely updating my credit report to show new recent FAILED TO PAY dates, when in fact both of these accounts are several years old with no recent activity. Their actions have caused me to have a lower overal l credit score  for a mortgage I am in process of obtaining.
Product: Mortgage

We had both an auto loan and a VA Home Loan. We reached out to Wells Fargo for help since we were having severe financial difficulties at that time. We were told that they would not do anything to help us. We had to file Bankruptcy to save our home. This cost us thousands at a minimum. 

We come to find out that they charged us fees that were not legal. Wells Fargo was ordered to pay off our auto loan and refund us fees. Now we find out that they did the exact same thing to our home loan. With their illegal fees and actions they destroyed or credit and they 5 years of paying off our chapter 13 you would believe the Fianacial strain on our family. Wells Fargo needs to make this right with our family and as a veteran and having a VA loan there should be repercussions.

imagine they did this on both our auto and home loans destroying our credit and bankrupting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington Law to repair my credit for three months, approximately XXXX XXXX XXXX. I cancelled the service because they were not getting the results I expected. I received a call from Lexington Law around XX/XX/XXXX. I was asked why I cancelled and I told them it was because they sent too few letters and they were not focusing on what was important to me which was removing the bankruptcy public record entries from my credit report. The lady I spoke to told me that they would focus on the bankruptcies and getting those removed and they would charge me a lesser fee. Lexington Law only sent one letter to address one of three bankruptcy entries on my credit files. The other letters they sent were ineffective, I got letters from the credit bureau saying they would not remove the information because Lexington Law had sent multiple letters for the same entry resulting in the credit bureau confirming the debt. I called Lexington Law and cancelled the service on about XX/XX/XXXX. I was supposed to get my first charge XX/XX/XXXX. I received an email confirming the cancel and then this morning I get an email saying my service level has changed and to expect another charge in XXXX. I do not feel Lexington Law did what they promised when I agreed to rejoin therefore I want them to refund me any bill from XX/XX/XXXX and I need to make sure they cancel my service and cease trying to bill me. I tried to text with Lexington Law and no one replies for several hours and I can not get through on their customer service line that keeps saying it is busy.