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

Recently, I did an investigation on my credit report and found several items on there that are inaccurate, Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Shellpoint Mortgage loan has inaccurate information that needs to be corrected
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit card or prepaid card

I was alerted by my bank a new inquiry was on my credit report XXXX the XXXX XXXX for a application to attempt to open up a Capital one credit card which was not my.
Product: Credit card

I have called Synchrony Bank numerous times, speaking to named and noted CSR Reps after receiving monthly statements with account balance and minimal payment due with statement not showing purchase information. 
Because Amazon Store Card is Synchrony Bank, I reached out to XXXX XXXX via email that XXXX as Executive CSR has replied. I am currently waiting on his next reply. The last three contacts with Synchrony Bank are aware of my intent for resolution.
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX, Account name : XXXX. XXXX  XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

There was a collection report to my credit from XXXX XXXX. I had no clue who this was and have never heard from them. I filed a dispute as I did not know who this was. I called and after being transferred around multiple times was finally told the original creditor was XXXX. I called XXXX and learned the debt was sold to XXXX for less than {$1800.00} total debt. I have made multiple attempts to resolve the debt with XXXX and XXXX XXXX whom has reached out to me regarding the debt via email after I contacted them. They are telling me the debt is over {$3000.00} in a matter of months from receiving from original creditor. I asked for an accounting of what I am being charged for as it is not adding up. THEY ARE REFUSING TO GIVE ME AN ACCOUNTING TO RESOLVE THE ISSUE. IT IS BEING REPORTED ON MY CREDIT AS NEGATIVE AND NO WHERE NEAR THE AMOUNT OF {$3000.00}. I CAN NOT RESOLVE OR PAY A DEBT THAT THEY ARE REFUSING TO TELL ME WHAT I AM PAYING FOR YET REPORTING NEGATIVELY ON MY CREDIT!
Product: Debt collection

I purchased an XXXX XXXX XXXX XXXX in XXXX and returned it XX/XX/XXXX for the new XXXX XXXX XXXX XXXX. The XXXX program said you pay 12 payments and then return the XXXX, they pay off the remaining loan balance and start a few loan for the XXXX XXXX XXXX XXXX. 

I did just that abs returned my XXXX to XXXX, I have the trade in email I attempted to provide to both XXXX XXXX and Customer Service who refused. 

Now theyre claiming theres a balance owed on the XXXX I returned, I know that because I have 4 other loans that are in good standing and Ive sent in the old iPhones to have the loans closed. 

Thats clearly an XXXX and Citizens One issue and not mines, no one is willing to help so I need to file a CFPB complaint
Product: Checking or savings account

I have shown proof of who I was 5 times to XXXX representatives. I was redirected 3 times. I again accused of fraud. I proved to the bank with passport. But again XXXX told I have fraudulent account.
Product: Mortgage

Ocwen Mortgage agreed to a repayment plan since I had fallen behind because my husband had XXXX and we had gotten behind. Down payment of {$3000.00} on XXXX XXXX, 2016, and equal payments of {$1100.00} for 5 months. I paid XXXX and XXXX payments early, but I had to be late on XXXX and called them and they said that was fine. I made that payment XXXX XXXX, 2016. Then I stared receiving calls and ugly letters telling me first that I had not paid XXXX payment, then the next person said XXXX payment. I have been on the phone all day speaking with different people. They revoked the repayment agreement because I was late and have my money sitting there. Finally I spoke with a really nice guy who got them to reinstate the loan with my regular payment, but I have n't made the XXXX payment yet because they have taken part of what I sent and made it the XXXX regular payment, even though I sent them {$1100.00} for the XXXX payment and they will apply {$480.00} as soon as I send them {$170.00} to complete the XXXX payment, even though I sent the XXXX payment of {$1100.00}. The guy I spoke with today said it was noted I called, but they have the right to revoke if your even XXXX day late on a repayment option. I also received a notice this week that they are taking out insurance on my house. I have told them repeatedly that the escrow is to cover the taxes and insurance. Our loan was originally with Homeward Residential and it was in the paperwork. I have since lost my paperwork and Ocwen claims there is nothing about it.
Product: Debt collection

As of XX/XX/2019, RGS Financial has contacted me 11 times during the month of XXXX   using an autodialer. Dates and times are as follows : XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX   XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX
Product: Student loan

This is resubmitted based off the results of my last two previous attempts to correct this issue. My last two complain submissions were : XXXX and XXXX. 
I am resubmitting this because on my complaint, at the end of the process I was asked if the issue was resolved, I said " no '', then the case was closed. This didn't make sense. 
Now I am submitting more documentation and a better detailing of my issues because the last time apparently wasn't good enough. 
Back in XXXX ( while in the military ) I started making monthly payments of {$53.00} with a Basic pay of {$1000.00}. 
In XXXX my Basic pay went up by {$72.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$83.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$29.00} and my monthly payment stayed at XXXX/m. 
In XXXX my Basic pay went up by {$240.00} and my monthly payment went up to $ XXXX/m. My Basic Pay was {$1200.00} and now its {$1500.00}. My income did not double but how is my monthly payment almost doubling what I was paying the year before. This doesn't make sense. I had submitted the same complain back in XX/XX/XXXX-XX/XX/XXXX and myfedloan readjusted my loan amount fairly back down to a reasonable amount. Now, in my last complaint, myfedloan only readjusted my loan amount by about {$4.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB For the past 10 months now I've been trying to dispute unverified items on my credit report. I have not got any results of documents verification that accounts belong to me with my signature and social security number on it. According to the Fair Credit Reporting act, SECTION 609 ( a ) ( 1 ) ( A ), they are required by federal aw to verify through the physical verification of the original signed consumer contract any and all account they have post on my credit report. Otherwise, anyone paying for they reporting services could fax, mail or email in a fraudulent account. 


it is in my right to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) they have on file of the accounts listed below. they failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be remove the accounts listed below. 
XX/XX/XXXX {$560.00} XXXX XXXX XXXX  XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, I received a notification that I had a new account in collections. The problem with this is that its an account that was already paid off & settled with ( XXXX ) another collection company! I submitted a dispute on XX/XX/XXXX with VALID proof of settlement yet XX/XX/XXXX& Credit Management LP ( suspicious debt collector ) have not removed nor come to a solid solution to this. I submitted a 2nd dispute on XX/XX/XXXX & currently waiting on results. Im Furious because I had this happen last year after settling that account & my dispute was successful, so what makes this any different?! theyre literally the same situation just different dates & companies!
Product: Debt collection

I do not recognize this debt collection I have asked to this collection to be removed from my credit report and the equifax and XXXX did not do as Ive asked Please help me to solve this issue because this is not accurate I am requesting this collection to be removed from my credit report because it is inaccurate Thank you!!
Product: Debt collection

Hi, I was a member of BB & T Bank, but the bank was taken over by Truist Bank. 

A credit account named " Constant Credit '' was created without my knowledge by Truist Bank, with a credit line of {$500.00} last year ( XXXX ). 

I have paid these debts and fees as of XX/XX/XXXX. I have attached the credit reports via XXXX proving so. 

I am still receiving calls for debt collection and additional fees, and late fees. 

The payments shown on the XXXX credit reports also show I have overpaid the debt amount. 

Please help, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all major credit reporting agencies ( Transunion, XXXX, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
Product: Checking or savings account

Sometime in the last 2 months I opened a new account with M & T Bank ( and I specify sometime as a range because they have handed me several different dates throughout this. ) On the XXXX of XX/XX/2022, My fiance XXXX XXXX sent me {$28.00} through XXXX so we could attempt to use my new account to pay a bill. When I attempted to pay the bill I began getting error notices. I attempted to charge the card elsewhere and continued to get error notices. It was then I attempted to XXXX the money back to my fiance 's account and was told I could not do that. 
Immediately, I began attempting to contact the bank about the issue. One agent said my card was valid and there was no reason I could not use my account. Confused about the error, she sent me to another agent who told me, there was a hold on my account over paperwork. They sent me to another agent who said no, your account is being investigated for fraud. They sent me to their fraud department, who told me they could not do anything and would need to visit my local branch in person to get my funds and fix my account. 

I have no transportation so I attempted to reach out to M & T through email, it took a couple days for them to respond. On the XXXX I received an email they told me was to go into a branch location, have THEM call the number on the hold and they can fix everything. 

On the XXXX of XX/XX/2022, I went to the M & T bank location at : XXXX XXXX XXXX XXXX, XXXX, MD XXXX, with my ID, fiance and children. We were taken into a back office with a special banker, XXXX XXXX. XXXX claimed she could see no hold or issue with the account. After attempting to get her to understand what the emails and ALL THE AGENTS before her said, we finally just tried to have them release the funds from the account so we could stop doing business with them. XXXX had me fill out a withdrawal slip and disappeared out of the room. 
When she returned, all she had was a business card with a phone number on it and told us if we ever want our money or to use the account, WE would have to call the number and have them fix it. 
When we called the number we were told a location/banker needs to call them and they could not help us. 
Not wanting to waste anymore time with people who obviously have mine and my families best interest last, I decided to see how to file against the establishment, and here I am. 
Any assistance is much appreciated as I have exhausted ALL feasible options with this institution and just want my money so I can warn EVERYONE and ANYONE to NEVER use M & T Bank. 
( To clarify, this is not the first time we have had issues with this apparently corrupt institution withholding our funds from our household. In XXXX, there was an issue with using the {$2000.00} check that had been deposited into my fiance 's account and consequently costed us a {$100.00} late fee on our rent for their refusal to disburse our funds then. )
Product: Checking or savings account

Tried to open a citi savings account on XX/XX/19. I had recently moved and did not have any utilities w/ address that they requested after the application was submitted. I found this requirement odd for people who recently moved. I called on XXXX to inquire about alternative documents which ended in customer representative saying that they did not want my business. I told her to cancel my application and close the account. She assured me that it was done. 

In the following 2 weeks, I received 2 additional emails to fund my account. I called back to inquire why the account is still open on XX/XX/19. I was informed that the application was automatically extended until XX/XX/19 and there were no notes on the account about my previous phone call or request to cancel the application and close the account. I was then told that I had to wait until business hours to call back so that this could be done. In the meantime, I would be responsible for any charges on the account. 

Extending the application deadline so that my account can incur fees while I was being informed the account would be closed seems like fraud to me.
Product: Checking or savings account

XX/XX/XXXX, an Alliant Banking representative by the name of XXXX XXXX sent an UNSECURED email with all of my PII information included to me, when she was simply supposed to send proof that travel alerts were put on my account. I never expected to get my full SSN in the email. My info was breach and I am afraid that my identity could stolen or worse. The link below contains the email XXXX sent to me and I have covered all of the PII for security reasons. The card number that you can see has been closed. Please see below. 

https : XXXX
Product: Debt collection

On XX/XX/XXXX I received a voicemail that stated ( XXXX XXXX ) not my name. They were reaching out to me due to a pending notice of action that came out of the XXXX XXXX area. His name was XXXX XXXX. He was contacting me on behalf of XXXX XXXX, so due to no contact on my behalf I am instructed to call XXXX with reference number XXXX. They have another number from XXXX California ( XXXX. This number is not active? They also called my mother in Arizona, threatening to sue. If I did not respond by XX/XX/XXXX ( yesterday ) they are taking aggressive action to sue me for {$1000.00}, from HBSC Bank for a mortgage or credit card from XXXX. 
I have been on XXXX since XXXX. I have already filed a scammer report with the XXXX XXXX XXXX
Product: Credit card or prepaid card

last month i noticed over XXXX on my discover card from XXXX XXXX XXXX, it said it was based in california but it was from XXXX a fraud company, i called my discover card, and they sent me a new card short after, a man called me new years eve, swore me harrased me iterrorgated me like i was a XXXX or something called me every name in the book, i swore him back, and asked to speak to his supervisor and she did the same thing all day long he was calling my house from another number all my caller id said was utah call, he told me, to get a police report so i called the police in ten mintunes a cop came to my house and gave me the police report, i gave them the police report them he would not stop calling i called the police officer back and he stood in my home untill the phone ring, and told this crazy XXXX to stop calling me i know this man he goes to my church he is a good man stop this, the next day i called back, they treated me horriable again, i dont know what to do
Product: Credit reporting or other personal consumer reports

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card or prepaid card

I have attempted on several occasions to get Chase to correct the Interest Savings Balance for my XXXX statement to no avail. I have detailed all of the information on a marked-up copy of the statement which is self-explanatory and will attach to this complaint.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 

XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 

XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX