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

XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX I am requesting these inquiries be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 Chapter 7 Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Student loan

In XX/XX/2009, I graduated and had {$60000.00} worth of private student loan debt. Among majority of Americans, I too were jobless. For a solid year, I did n't have work or the means to pay the amount due for my loans. I took an entry level job, {$XXXX} an hour ... 

XXXX put me in forebearance. Two years later they sold the debt to Navient and my original XXXX balance turned into $ XXXX. I tried to get on a plan to pay down the balance but they wanted $ XXXX a month and would not take any less. They would n't consolidate the loans which all had variable rates ranging from XXXX % -XXXX %. I made a payment of {$1300.00} a month ( as much as I could on my poverty level salary I was receiving. Even with those minimal payments they took action against me, defaulted me, and are currently trying to sue me and ruining my credit so I ca n't even rent a place to live! The loans to date are up to $ XXXX and they ca n't prove to me why or how! I ca n't discharge, appeal, nothing! I 'm drowning and do n't know where to go or what to do! Navient is an evil company not looking out for American students!
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 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 Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

Loan from 2013 in the amount {$13000.00}. All other Loans were transferred to another server and we assumed they all were transferred. There has not been any communication or notifications from Nelnet until now and they added an amount of {$4900.00} to this account. Now they are trying to collect {$18000.00}. I found this very criminal and unfair. I would appreciate help with this problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times 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 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX   Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern: While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies: 1XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b(c) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

On XX/XX/2022, I did a dispute with my bank for a transaction of a product that I purchased from XXXX and did not receive. I did the dispute with XXXX first and was told by XXXX that the transaction was not covered under there refund policy for lost or stolen packages, and they instructed me to dispute the charge with my bank. So, I did that. Then I noticed there were two other transactions that I did not authorize on my account, so I disputed those as well. Within 2 hours of disputing the 2 unauthorized transactions I got a response saying no error found which I was confused because when I made the 1st transaction with XXXX I got an email confirming my order, tracking information, and delivery noticed. I have been taken pro-cation to keep my account, debit card, and personal information protected. I had several incidents with XXXX XXXX that I disputed so I got bank through my bank some I had to get police reports and go through XXXX XXXX. If there's an unauthorized transaction on my account, I will notify my bank and request the help to get my money bank. I don't know why but for some reason Chime sent me an email saying they're closing my account on XX/XX/XXXX. I have paychecks, bill payments and etc. coming out of this account and just because they felt it they're closing my account. My dispute for the package I never received still says pending and when I asked them what will happen they basically said once it's done they will send me a check. I have refunds from XXXX that are going to the account and after XX/XX/XXXX I have no access to the funds. I feel like this is very heartbreaking that they will just close my account for something I had no control over. It's a pandemic still going on and people are scamming left and right I tried my hardest to keep my information protected but one wrong click from an email can get your information stolen and or a site you thing is good and you order clothes from it. I keep getting emails from Chime saying my account was locked due to fraudulent activity. Which I'm not doing. I have a government job and I have kids. I will not do anything illegal to get me taken from them or lose my job.
Product: Payday loan, title loan, or personal loan

I currently have a loan with One Main Financial for about {$7000.00}. At the moment I have been struggling since I am a XXXX XXXX XXXX XXXX and only work part time and have a child to raise on my own. I used a deferment for the month of XX/XX/2019 and proceeded to make a possible payment for XX/XX/2019. This company doesn't communicate with each other at all or even try and understand your situation. They are extremely aggressive by calling my workplace multiple times a day. It's embarrassing since I am usual at school most day and afternoon I get to my desk with notes and comments about how many times this company calls and harasses my coworkers to get a hold of me. I work late hours and try to communicate as best as I can my situation with One Main financial but they are probably the most disrespectful and unorganized company I have ever dealt with I think my car loan company is more understanding and patient than this people. Their motto is " lending done human '' there is NOTHING human about harassment and verbal aggravation.
Product: Mortgage

I am writing to file a formal complaint against LOAN CARE for failing to respond to my complaint within the required 30-day timeframe. Despite my repeated attempts to resolve this issue, I have received no response from the company within the mandated period. 

Here are the details of the situation : Complaint Reference Number : XXXX Mortgage Company Name : LOAN CARE Nature of the Complaint : billing errors, incorrect charges, failure to adjust and remove PMI Date of Initial Complaint : XXXX XXXX Expected Response Date : XXXX XXXX It has now been well beyond 30 days since my original complaint was submitted, and I have not received any communication from LOAN CARE regarding this issue. This failure to respond has caused me significant frustration and hardship. I was expecting a resolution to my complaint within the regulated timeframe, but their lack of action leaves me in an unresolved and vulnerable position. 

As a consumer, I feel that my rights have been disregarded. I am requesting that the CFPB take immediate action against LOAN CARE for failing to meet its obligations to respond within the 30-day period, as required by federal law. I would also like to explore legal action or further regulatory enforcement to ensure that this issue is addressed and that my complaint is properly resolved. 

I respectfully request that the CFPB : Investigate the failure of LOAN CARE to respond to my complaint in a timely manner. 
Take appropriate regulatory action against the company for this failure to comply with the CFPB guidelines and federal consumer protection laws. 
Facilitate any necessary legal actions or provide assistance to resolve my complaint and hold the company accountable. 
Please let me know if any further information is required to support this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance.
Product: Mortgage

Hello, I filed a complaint against a mortgage company ( central Mortgage ) on XXXX. This company has been calling me multiple times per day after they have replied to my initial complaint. I want them to stop calling me or I will take legal action. This is my second complaint to the CFPB and I want it to be the final.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXX XXXX my bank account was closed because a reversal transaction that I put in. when I receive my money I went to my local branch to withdraw funds. They then told me I would have to wait a day but I was able to use the ATM. I went to use the ATM machine and all of a sudden my card was locked. Ill call Citibank and they said my account was being close. they then told me to wait 30 to 60 days upon my account being fully closed out and I will receive a check in the mail for the remaining balance of the money that was in my account. I called them today which is XX/XX/XXXX. My account is fully closed out and I still havent received any funds so I didnt ask them whats going on with the funds now theyre saying theres no money owed out to me and thats all they can tell me and continuously hangs up the phone on me. I would really like for the situation to be resolved as soon as possible. Thank you. 

XXXX XXXX Account # XXXX Business name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION fail to verfiy items on my credit report. i sent 2 dispute to them
Product: Money transfer, virtual currency, or money service

Hi, I paid someone {$300.00} dollars for an agent fee for dropping off a dog to me, so I can dog sit that dog. That dog never came. I sent them money through the CashApp on his account, XXXX. I tried disputing on Monday, XX/XX/2019, the transaction with my bank, but they said they can't do that since I gave the money to the scammer. I even tried to ask the money back from the scammer, but they declined. I feel it would be best if they would. They scammed me out of my money, and they even sent me a fake check. I didn't even know it was a fake check until I looked at it more. This transaction was completed on Friday, XX/XX/2019. I even paid them through XXXX, but they said they would take care of it.
Product: Mortgage

On XX/XX/XXXX I reached out to Mr. Cooper in the hopes of getting some assistance with my mortgage payments post being impacted by Hurricane Ian in XX/XX/XXXX. On that date, I was told I might be eligible to have an additional 6 months of forbearance to continue what I had previously since I had not fully recovered from the hurricane damages. I asked if I could take advantage of this program and inquired if this would impact my credit due to being behind at the time of this program being extended and was told that my credit would not be impacted. On XX/XX/XXXX, Mr. Cooper reported to the credit bureau that I was late in XX/XX/XXXX. I have since called to ask for this to be updated to remove the damaging report that caused my score to drop 60+ points depending on the bureau, but to this date, this has still not been corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX XXXX EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2. Address : My current residential address XXXXXX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX, NY, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXX NY, XXXX. I request that my current address be updated accordingly. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my free Equifax credit report through the Annual Credit Report service but when I clicked on the link to dispute some items, it went nowhere. Whether intentional or accidental, Equifax made it impossible to link my credit report to my dispute. 

I tried going to the dispute site manually but was asked verification questions that did not match my identity which put me into a generic web dispute submission area where it was impossible to match my disputes to the items on my report. 

This is because Equifax 's report does not list any account numbers or partial account numbers nor does it list the full addresses associated with these accounts. I knew that the accounts were incorrect based on their balances and having them show up on the XXXX report. On the XXXX report I could flag incorrect addresses but not on the Equifax report.
Product: Credit reporting

Trying to get a judgement removed, from Equifax, ... I faxed a true copy from the Clerk of Superior Court stating " This judgement is satisfied in full as to principal, interest, and cost and the same is hereby cancelled of record on XX/XX/2012. '' Transunion has already removed it ... Equifax states it has to be on there for 7 years Being the widow of a XXXX veteran, my credit is all I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a modification in the year of 2015 they are claiming that I owe over {$400000.00} on my home I did not take any money out of my home Ive never owned that much money on my home I need help Ive talk to an attorney they sent over a letter I have not got any response from Carrington they keep sending me the same paperwork over and over again stating that it is valid I dont see it in the paperwork I dont understand it I never pulled any money out of my home so that being said I dont believe I owe this. They added principal twice on my loan which does not make any sense to me please help
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I placed a call to NCB Management to discuss a notification received by mail. The call was transferred to supervisor, XXXX XXXX. I requested details of the bill. She indicated this item was an online transaction and provided details. I requested proof of documentation be mailed to my address on file. Additionally, I advised I was disputing this debt. She advised if it is fraud then I should have filed a police report. I would like this investigated for Fraud and any proof and applicable documents be mailed to our home address. I have no business relationship with NCB and do not owe NCB any money per any contractual obligations. The charges are fraudulent. 

Please remove this from my credit bureaus and communicate with me via mail only.
Product: Checking or savings account

Dear Navy Federal Credit Union : HOW DARE YOU. 

On XX/XX/year>, you placed a restriction on my NFCU accounts -- my membership -- based on reports of fraud, specifically that I, XXXX XXXX, I'd committed fraudulent, unauthorized transactions via XXXX to unjustly enrich myself. The name of the party reporting : XXXX XXXX. She is my older sister. She is a homeless, car-less severally mentally ill felon, with multiple convictions involving identity theft where I am the listed victim. The transactions at issue occurred while my sister was incarcerated at the XXXX XXXX, KS XXXX XXXX in XXXX, KS. I had her possessions, I had her authority to manage her financials, open her mail, pick up her prescriptions, make and cancel medical appointments, I had her phone, her purse, her debit and other financial cards, I had her passwords to her accounts and her phone in general. I took care of her daughter. The " fraudulent '' transactions occurred at a time when I was paying hundreds of dollars to corrections vendors like XXXX and XXXX for services provided directly to my sister, XXXX XXXX, the same individual who, now, months later, has reported those transactions. I assure you I have a wealth of documentation and witness testimony to firmly substantiate the above. 

But you did not call me. You did not reach out to me. You restricted my accounts, you instructed whoever I spoke to the past XXXX days to tell me : accounts closed, no appeals. 

On the basis of what? I am a XXXX XXXX XXXXXXXX combat veteran, I am an attorney licensed in good standing in Missouri and the XXXX. XXXX, I did nothing wrong, except help a sibling when she needed me, and you have taken the word of a crazy person over XXXX of your members -- I have XXXX accounts with you -- without even bothering with a phone call.
Product: Credit reporting or other personal consumer reports

I recieve email from the 3 bureuas saying I'm using credit repair company to send out dispute letters for the negative accounts I have which is wrong. i'm the one who send out letters here 's the lists of accounts and inquiries I want or need to be deleted CHARGED OFF XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$53000.00} CHARGED OFF XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$54000.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$27000.00} LATE PAYMENT OPEN XXXX XXXX XXXX XXXX, XXXX {$3200.00} INQUIRY XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX {$53000.00} CHARGED OFF XXXX XXXX XXXX XXXX XXXX, XXXX {$54000.00} INQUIRY XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX
Product: Credit reporting

I initiated services with XXXX they made a hard credit inquiry without my permission neither written nor verbal though Transunion. The Credit Reporting Agency was Transunion, the inquiry was requested on XXXX XXXX, 2016. Multiple calls to XXXX and playbacks of the call recordings confirmed that I never consented to a hard inquiry. I started this process in XXXX and still have received no confirmation or reversal. XXXX provided the address of their headquarters and informed me that I need to write a letter to remove the unauthorized inquiry. The letter was returned unopened by the postal service I then contacted Transunion who informed me that I may not have the inquiry removed without authorization from either XXXX or a government bureau. 
This inquiry is damaging to my credit and I have limited time to solve this case before I deploy.