23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by XXXX XXXX XXXX , XXXX using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). 

XX/XX/XXXX, there was an inquiry done by Popular Auto in XXXX XXXX, Puerto Rico, using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ). 

I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the phone with Equifax. After providing them with the correct information and other important information about myself on unsecured phone lines Equifax refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. Equifax must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. Equifax also refuses to provide me with my correct and current Credit Report and Credit Score. Equifax has put me on hold for more then 10 minutes and just returned to the line. Equifax still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that Equifax lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to Equifax and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Student loan

Copied : MOHELA, XXXX XXXX, Consolidation, and Administrative Forbearance XXXX XXXX XXXX Sun XX/XX/2023 XXXX PM Hello, In the last few months, I've been trying to get MOHELA to apply the XXXX plan to my account. I initially submitted a request on XXXX and was approved. I then consolidated my loans the next week and submitted the XXXX application alongside it. MOHELA marked the XXXX application as a duplicate form. I noticed this midway through XXXX and despite calling them was not able to get them to re-review the application. With interest resuming the next week, I was now on the level payment plan when I should have been paying {$0.00} with covered interest on the XXXX plan per forms I submitted to MOHELA months prior. At this point, I wasn't worried as the dept of education assured us that any applications for XXXX  submitted by the end of XXXX would be in effect by repayment. Unfortunately, this does not appear to be the case. 

Today I was informed by MOHELA that my account was placed on " Administrative Forbearance ''. This, to me, indicates that they are incapable of meeting this deadline. MOHELA 's failure is going to cost me both money in the accrued interest that would have been covered and months towards XXXX XXXX. I don't understand how it is acceptable for the servicers to not fulfill their end of the bargain. 

I have found others on social media that have had similar experiences with forbearance and IDR applications. It appears that it is less of a mistake and more of a policy to not process these forms. 

I would appreciate action to either enforce MOHELA 's contract or, barring that, for these months to count as if they were normal XXXX  months for interest and forgiveness tracking. I can be reached at this email or at ( XXXX ) XXXX. 

Best, XXXX XXXX : XXXX : Documents Received page XXXX : Approved XXXX  application dated XX/XX/2023 XXXX : Repayment Schedule and Disclosure dated XX/XX/2023 XXXX : Administrative Forbearance dated XX/XX/2023 ( received XX/XX/2023 ) XXXX : Application for XXXX dated XX/XX/2023
Product: Mortgage

Ocwen purchased my loan and attempted to shorten my contractual grace period from 15 days to 10 days until I sent them a copy of the mortgage document. Every single month Ocwen asks me to register my computer, which their website ca n't seem to store. When I attempted to pay last month 's payment online through their website, I was forced to verify my email. My email has not changed in over 10 years, since before the intitation of this loan. When I attempted to complete the transaction, I received an error message including 'please try again later ' This went on until I could no longer pay through the website within the grace period. I initiated a bank payment, which I am fully aware is transmitted within 24 hours, yet Ocwen did not credit it as received until the grace period expired. I am sick of their fraudulent activities in attempting to violate grace periods and extort undue payments from consumers by manipulating the website code. There are XXXX 's of online complaints about their practices!
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX : 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 ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address to 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION RESOLVE MY RCENT COMPLAIN AND DO NOT REMOVE THE ITEM THAT WAS MORE THAN SEVEN YEARS IN MY CREDIT REPORT XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out since XX/XX/2022 to fix my late payments on my credit report. Ive been told numerous times to dispute with credit agencies but Victoria secret keeps validating my late payments. They have yet to fix my concern. This is harming my ability to buy a house and keep good credit. They also lowered my credit limit along with other credit card companies who felt that I may be at risk due to the late payments reported by XXXX.
Product: Checking or savings account

Today, XX/XX/2023, at XXXX I received a phone call from someone claiming to be a Wells Fargo agent. He claimed there was fraudulent charges on my account and he asked for some of my personal information. I gave him the last four digits of my SSN and the pin number for my debit card. After this I called the Wells Fargo fraud number and they informed me my debit card was cancelled and reissued. I found out the scammer tried to withdraw {$1000.00} which was denied and set up XXXX XXXX which I did not authorize. I have already spoken with Wells Fargo, XXXX and the FTC. His name was XXXX and the phone numbers he called me from are XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the credit reporting agency, block informationappearing on my consumer credit 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 consist of XXXX XXXX XXXXXXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$1.00} XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$0.00} XXXX  Acct # XXXX Date Opened XX/XX/XXXX Balanced owed XXXX XXXX XXXX Acct XXXX XXXX Date opened XX/XX/XXXX Balanced owed {$650.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Credit karma misleading pre approved promotion affected credit score and rates when I was denied
Product: Credit card or prepaid card

I paid off a no interest promotional account with XXXX XXXX/TD Bank account with XXXX XXXX on XX/XX/XXXX. I had to cancel the automatic payment I had set up in order to pay this account off. It would not let me schedule a payment without canceling this. I received a notice that my account was due on XX/XX/XXXX through email notification that I had set up. I checked my account and it showed a XXXX balance. On XX/XX/XXXX they added a deferred interest charge that I was unaware of of around XXXX. When I received a phone call in XX/XX/XXXX I was told that the account had to be paid off by XX/XX/XXXX I believe in order to have not accrued any interest. On XX/XX/XXXX I paid XXXX to pay this account off again. They were refunding a XXXX late fee. In actuality they did refund this and reapplied it to the account the same day without my knowledge plus 1.35 in interest. XX/XX/XXXX they charged a late fee of XXXX plus 1.00 interest, XX/XX/XXXX XXXX late fee plus 1.00 interest and XX/XX/XXXX XXXX late fee which brought my balance back up to XXXX. I spoke with a representative once again, who advised that this was due to the initial late fee being applied back to my account on the same day it was removed and she would take care of this. Two weeks later I received a message again about my past due account. I called back and spoke with an extremely rude representative and once again I paid an outstanding balance of XXXX. Now 8 months later they have reduced the credit limit from XXXX dollars to XXXX and attached a negative notice on our credit report. I will never again use their service but I am requesting that this be removed from our credit report. I had this set up on automatic payments so as to never be late, had to cancel this in order to pay the account off, and then had to actually pay it off on three separate occasions due to what I feel is deceptive policies and procedures.
Product: Checking or savings account

On the date of XX/XX/21 i noticed fraudulant transactions totaling up to XXXX i then filed a claim with wells fargo immediatley after. XX/XX/21 i recieved an email saying my claim was completed so i called wells fargo again after seeing that my momey wasnt deposited back onto my account, and they informed me my claim was denied. They stated that since my pin was used and the chip was read that it all transactions were authorized which os completly inaccurate and XXXX. The card i have still in my position is the card used for transactions but i never used it NOT ONCE plus it was an instant issue card that had NO CHIP. After the 4th person couldnt explain how thats possible and only said at that point with information provided it would stay denied. He told me i can have executive office call me which would tkake 2-10 extra business days. No one is telling me how its possible for trasaction details to say that the card XXXX was XXXX inserted and tapped, or how it shoed chip on there end when the card only swipes.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$23000.00}
Product: Payday loan, title loan, or personal loan

I have instructed Speedy Cash more than once to never debit my checking account for any reason. And today they debited my checking account for {$190.00} without authorization. Please see one email below I sent them : From : XXXX XXXX XXXX Sent : Sunday, XX/XX/2017 XXXX XXXX To : Speedy Cash Subject : Re : Payment Unsuccessful Notification Dear sirs, I instructed your representative twice specifically to not save my payment information after my last payment on XX/XX/17. Speedy cash is never authorized to save my payment information. If you have inadvertently please delete it from your system immediately! 

Last four of my social XXXX DOB XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was getting a call from this bank at least 5 times a day so I went to the bank to find out why they kept call me because I didn't bank with them. That's when I found out that someone had open an account in my name and found out certain information. They closed the account and told me that I needed to file a police report.
Product: Student loan

Navient misled me as a borrower. By providing inaccurate information regarding my income driven repayment plan option. Navient also incorrectly processed my payment and misled me about improving my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX opened XX/XX/2020 account number XXXX XXXX this account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which i did and also make a identity theft report with the FTC which I did. Recently I submitted a complaint with CFPB and the account came back as verified with XXXX and Equifax but XXXX came as not verified and was removed from report
Product: Credit card

XX/XX/2024 I applied for a card at Destiny credit and they ran my ssn and hard credit pull, getting paid with the unauthorized use of my credit card, and identity theft, also XXXX reported about me with NY authorized consent. Discrimination and identity theft and securities fraud
Product: Debt collection

I've made several attempts to contact the company CREDIT COLL about this fraudulent charge. Based on my credit report this is ruining my credit. This fraudulent charge should be removed from my credit report.
Product: Credit card

On XX/XX/XXXX ; and on XX/XX/XXXX ; and on XX/XX/year> the XXXX XXXX company fraudulently made a negative credit notification to the Experian Credit reporting agency. ( See attachment ). This is a recurring problem that XXXX XXXX is well aware of but continues to remove those negative credit references despite physical evidence showing that XXXX XXXX has fraudulently made those negative credit reporting references regarding my credit card account.
Product: Mortgage

Flagstar Bank has not refunded me my escrow balance of {$1800.00} after multiple attempts to get them to do so. I first called them on XX/XX/XXXX to ask when I would be receiving my refund and was told it would not be mailed out until XX/XX/XXXX. I contacted them again after that date and was told a check was mailed on XX/XX/XXXX and that I should wait 10 business days to receive it. I did not receive it but contacted them again on XX/XX/XXXX and was told that it may have gotten lost in the mail. They confirmed that they had my correct mailing address on file. I also explained that I am enrolled in Informed Delivery with USPS and have verified that it has not been received by my local branch. They then told me they would initiate a " ticket '' to get another check sent to me but would not specify how long that would take. I contacted them again on XX/XX/XXXX and spoke with a manager and explained that I believed they were being dishonest. I was told it takes an additional 15 business days to issue a stop payment on the check and send another. I told her this was unacceptable. I also gave my email address.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
XXXXXXXX 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 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 Please delete and block from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C.

1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice.

Moreover, under 15 U.S. Code 1692e ( False or Misleading Representations ), I request that XXXX notate these disputed accounts as " in dispute '' or " consumer disagrees '' within 30 days. 
I kindly ask the Bureaus to complies with federal laws and expeditiously removes the fraudulent accounts, incorrect names and addresses and any information listed on the " Federal Trade Report List of Fraudulent Accounts '' pursuant to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ).

Additionally, I request that a new, clean credit report be mailed to my address of record above. 
Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. 
I am sending this letter as the sender, XXXX XXXX XXXX, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the XXXX collection from my file it has been removed STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account Number is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, XXXX.
Product: Debt collection

Medical Bill was sent to collect however I continued to receive service and paid medical bill to the company 4 months ago, collection company I sent a letter informing them that I had not contract with them, and wanted verification of the debt, dates of services and I never receive any requested information. I also informed them that this debt had been paid.
Product: Credit card or prepaid card

US bank reliacard is unlawfully holding my daughters child support saying they need proof that I changed my address when in fact you have to show Id at child support office to do so. I have sent my DL and by their own admission and they made the mistake as to why it was sent and still have not released my childs money during a pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : PURCHASING XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to address a critical issue concerning inaccurate reporting on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) Section 605B and the required XXXX Compliant reporting standards. 

I requested midland credit management to remove two alleged debts from my credit report for poor credit reporting practices. Within 2 months they have changed the alleged balance owed twice on two different accounts that they are attempting to collect. I still haven't received any notice in writing to validate the debt. I also informed the creditor to please cease and desist all calls and contact with me immediately, according to usc 15 1692c ( c ) Creditor : XXXX  XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX XXXX  Account Number : XXXX This erroneous reporting not only breaches the FCRA but also fails to adhere to the essential XXXX Compliant reporting standards. 

Under the Fair Credit Reporting Act, I am entitled to a credit report that is entirely accurate, and it is your obligation to remove any information that is not true, verifiable, and accurate. 

I urgently request the IMMEDIATE REMOVAL of thes account from my credit report. Furthermore, I request an updated report reflecting your compliance with all XXXX reporting standards, with confirmation of the removal of the mentioned account upon completion.