23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX XXXX, I tried to get XXXX dollars off my card through XXXX XXXX at a XXXX XXXX XXXX XXXX XXXX. The transaction was declined due to security reasons, according to a text I got from my bank SoFi. I try calling the bank and they telle to try the transaction again and it was declined. Then somewhere along the way my bank locks my account completely. This happened before the phone call was even finished. They don't even tell me why my account was locked. They also claim that no management is available to resolve the matter. They did not even tell me the account was restricted on the first phone call. 

I have tried to call them a handful of times and I get the same response every time. That I suddenly need to provide valid identification to reopen my account. However, they will not tell me why my account got locked. All they say is that an internal team is reviewing the problem with the account. Additionally, they will not take my Certificate of XXXX XXXX as ID even though it is federally issued. So, essentially I am locked out of my own bank without any recourse to get access to it. They ask for either a drivers license, a state ID, or a passport. Which I can't get access to at the moment as I can't get access to my money. I can't even pay my bills. 

Additionally, on XXXX XXXX XXXX I tried to move {$1100.00} dollars from my checking to my XXXX XXXX but it was declined. I tried to call the bank to get it resolved. They had me try to do the transaction again but it was declined. It was the same as what I have described above. However, my account was not locked. The blatant differences between the two incidents makes no sense. 

This is textbook bank fraud and I feel racially discriminated against due to the bank.
Product: Student loan

My name is XXXX XXXX XXXX, XXXX Era Veteran XXXX, In XXXX to XXXX I was enrolled at the XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. At the time I applied for several loans to supplement my education. The federal loan guarantor was Sallie Mae. I have been working in the retail industry for past 18-yrs. Retail jobs don't pay what they use too! We barely make enough money to pay our rent. Since XXXX of XXXX, I have been in school for the past three years, I filed an in-school deferment with XXXX in XXXX, after having completed a one-year payment rehabilitation program with XXXX. I was assured that my student loan was out of the default, then I received notice from Navient stating that my student loans were in default and was required to enter into a contract since then my federal taxes have been garnished each year XXXX. 
I spoke to Navient and asked them if they were connected to XXXX, they said no '', and that they have no record of me ever paying down my student loan or entering an XXXX  rehab program. I was also told by Navient that I could not submitt an in-school deferment because I was to far in default, and that this was the only option. 

Last week XX/XX/XXXX, a person named XXXX from Navient said that I could be a candidate for the fresh start program, and sent me an application. I was surprised to find out that the loan guarantor on the fresh start application is listed as XXXX, which Navient denies having any ties with that company. Below is a copy of the email I received from Navient. So my question is is this legal what Navient is doing, or are they committing fraud. 
I am a XXXX Veteran of the United States XXXX XXXX with service-connected XXXX, my education is currently being funded by the U.S. Department of Veterans Affairs Vocational Rehabilitation & Education Program. I have three dependents my wife and I make less than {$24000.00} a year, this is the reason I am pursuing an education to improve our situation.

Email sent to Navient : Hi XXXX, thank you for sending the PDF fresh start application. However, I have a question, I noticed that the application has XXXX listed as the guarantor, I was told by one of your representatives that Navient was not connected with XXXX. During XXXX, I entered into a rehabilitation program with XXXX to bring my federal student loans out of default, I completed the program only after making several payments to XXXX only to have XXXX refer my loans over to your company. Which seems to be one and the same. When I inquired with your company, I was told that no record exists of any payments made during this time. But yet your contract indicates that you are apparently doing business on behave of XXXX. Can you explain the reason for this! 
Thank you, XXXX XXXX The Attachment send by Navient : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} $ {$13000.00} $ {$2100.00} $ {$15000.00} $
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. US DEPT OF EDXXXX : XXXX XXXX, XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that XXXX have been established in my name due to this breach. 
XXXX XXXX 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: Mortgage

Received noticed after XX/XX/XXXX escrow analysis that there was an escrow shortage and my payment would be increased by about XXXX dollars per month to cover this. When reviewing the escrow analysis I identified that the property tax amount had been entered in error which brought the total amount up. On XX/XX/XXXX I called and spoke with someone at freedom mortgage who also identified this problem and stated it be fixed right away. On XX/XX/XXXX I noticed that the problem has not been corrected. I called and spent 52 minutes on the phone talking with a woman who transferred me and the problem was again identified and she stated it would be corrected. She said there would be another escrow analysis done in XXXX. I paid my normal mortgage payment amount of {$1400.00} for XX/XX/XXXX payment although the statement said I owed over XXXX ( payment had been {$1300.00} ). I paid {$1300.00} for the XX/XX/XXXX payment although the website/ account said over XXXX dollars was due again. Today I received an official document via e-mail from freedom mortgage stating that they were unsuccessful in contacting me about my delinquency, when I not received any calls from them. I also received a document stating that the account was delinquent and i had not payed the payments of {$1700.00} for XXXX and XXXX and a late fee had been added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THAT EXPERIAN, XXXX, AND XXXX REMOVE THE FRAUD ALERTS FROM MY CONSUMER PERSONAL CREDIT REPORTS THAT THEY CONTROL CONCERNING MY DATA OF DISCLOSURE. 
WHICH IS MY RIGHT UNDER THE FAIR CREDIT REPORTING ACT, TO CHOOSE TO HAVE OR NOT A FRAUD ALERT ATTACHED TO MY CREDIT REPORTS. 
THE SAID ABOVE CREDIT AGENCIES HAVE NOT COMPLIED WITH MY CURRENT REQUEST TO REMOVE THE FRAUD ALERTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have home mortgage with XXXX XXXX loan number # xxxx currently in Covid 19 forbearance under CARE Acts. Though I have been granted forbearance till XXXX of 2021 and next payment is due on XXXX XXXX.yet again XXXX  reported to experience credit agency that I mortgage balance is high now .My bank altered me that XXXX  XXXX home loan have report this matter to credit agency on XX/XX/2021. I tried to talk to them XXXX  XXXX, has no answer for it, they said they didn't do it mean while credit agency said they only report when lender initiated a report. I am not sure if they can report this sort of information which will negativity impact credit history of many homeowners like me. I highly urge our government, please save us from this sort of unethical behavior of bank and putting homeowners like us in difficult situation. Millions of people are losing jobs, tanent are not paying rent, municipality is not giving us the break with taxes and on top of, this sort of negative reporting is no mean to be good for hard working homeowners. Thank and I look forward hear from the agency soon.
Product: Credit card or prepaid card

I have been a Card member with Capital One since XX/XX/XXXX. I first started with a secured credit card. I had an excellent payment history with them, so they gave me back my security deposit and then increased my credit card limit. XXXX year later, they offered me pre-approval for a second Capital One credit card because of my reasonable payment history and never being late with an average XXXX balance. I applied and was approved instantly. In XX/XX/XXXX, I bought a small business in another state and a month later used it for a Capital One Business Credit Card ; it was approved, but XXXX days after the security department contacted me, I was at work, so I called them back. A gentleman asked me many security questions and asked if I had opened a new business credit card. 
I said yes, then he gave me a list of things I needed to upload from a link he would email me. I did what this capital one bank security staff told me to do. A week later, he called me back, saying thanks for sending all my documents, but he said I would need to send XXXX more months of banks of bank statements. Still, everything else looks good my driving license, Social Security card and W-2 form, and the article corporation from my new business. In XXXX conversations with Capital One, the staff asked what was on my driver 's license. I said XXXX questioned my business address. Its a paid business box ; then she had questions about my balance, and with a smile, you opened a new business. I dont see guys like yourself or age buying a business in another state. I was informed capital one Bank would be closing all three of my bank accounts. All three had XXXX balance. I was a good customer for XXXX years, and they closed my accounts and sent me a letter has nothing to do with my activity because my account was used and always paid on time.
Product: Student loan

Upon obtaining a XXXX position for the State of Maryland, in XX/XX/XXXX of this year I decided to apply for loan forgiveness where after 10 years with the state, the balance of my student loan would be forgiven. At that time my loan servicer was XXXX XXXX. They assisted me to apply for forgiveness as well as filing for income-driven payments and loan consolidation. I followed their instructions in filling out the forms. It was a very confusing process where there were several agencies that needed my information and most information had to be submitted online. 
After receiving notification from Federal Student Aid on XX/XX/XXXX ( an office of the US Department of Education ) that my loans were in the final stage of being consolidated, I was instructed to make payments to XXXX. Somehow in the process, a company called Equitable Acceptance and XXXX XXXX became involved and is now charging me {$1400.00} for the service of consolidating your loan. I dont know if I had given them my information, or they obtained it from another agency but they are now trying to pull payments from my checking account with e-mailed forms with my approval. I contacted XXXX and they informed me that consolidating my loan was free and there was no evidence that a Third Party Agency had been involved with my loan. The Board of Education does not accept electronic signatures. The forms I signed from XXXX XXXX were electronic, therefore the XXXX did not accept their fake consolidation forms. I put stop-payments through my bank and now have found that this issue is affecting my credit. 
After doing research on Equitable Acceptance, I have found that they have a D rating with BBB and numerous complaints from people like me as to how they end up owing Equitable money. There is also numerous postings that the company is a Scam. I am getting calls daily from XXXX as well as a company called XXXX XXXX. It seems as though these companies get information from the internet and make applicants believe that their services are needed to complete the process. I have attached copies of these letters that I have received. 
In XX/XX/XXXX I contacted the companies to inform them that I did not need their services. I was told I could not cancel.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App XXXX Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit card or prepaid card

I called American express and I informed an employee that there is a billing error of {$3200.00}. They stated that there was no error and they did nothing, and I told them according to law that they will have to investigate this and they never did. I let them know at the back of my statement it states that I have the right dispute a billing error. According to the credit balance of the full amount I keep asking them why is it in a positive balance if I owe them it should be in a negative in front of it. I would love to use my remittance credit. On the back of the statement it let 's me know that the money belongs to me when it's a CREDIT BALANCE. Amex is in violation for writing me and threaten me about putting on negative credit reporting. They stated that they are going to insert late pays. Late pay is illegal. According to the law experiences and transactions are excluded from your consumer report. In addition, I opted out to information sharing. I never gave american express the permission to report to my consumer file anyway. I am looking to continue business with them and extend my open credit plan. Their statement is very misleading and it's a violation to the fdcpa and Tila. So do right by me american express as federally protected consumer that I am l. As I am in a billing error dispute I am not responsible for any payments until you take care of this issue. The whole balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  1. has my address listed multiple time XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX several times and XXXX  has my name wrong. These Inaccuracies must be deleted. 
2. XXXX XXXX account never late and is current. Stop reporting old information 3. XXXX can not be late because its in deferment due to pandemic. It's been that way since the pandemic. 
4. XXXX XXXX XXXX XXXX Can not be 5 times late because it was paid by settlement. XXXX dba XXXX XXXX XXXX XXXX is paid. 
All the accounts above bring a negative ouoom on how creditors see me and the refusal of updating is a blatant discriminatory act seeing from a person of XXXX really stains opportunities to grow and increase chances of getting credit in the future or financial help.
Product: Payday loan, title loan, or personal loan

We've attempted to settle the payoff amount and no one has returned our email from XXXX 

Here's one of several emails we sent

from:	XXXX XXXX 
to:	XXXX
date:	Thu, XXXX XXXX, 2018 at XXXX XXXX
subject:	Settling Account
mailed-by:	XXXX

To Whom It May Concern:

Loan No.: XXXX

We're a charitable non-profit organization that borrowed the money to so we could clear up a debt to receive a grant.  We received the grant yesterday and would like to pay off the loan, and ask that you allow us to pay off the lowest amount possible.  We will provide you with a tax deduction for any amount that you can provide.

The original amount of the loan was $XXXX initiated XX/XX/XXXX, and we made the first payment on XX/XX/XXXX, and the balance of $XXXX is accruing interest daily.  We're prepared to make a payment immediately.


Respectfully, XXXX XXXX
XXXX
XXXX XXXX
Product: Student loan

I would like to get the late payments off my student loans I don't want to remove them just clean up the late payments I been through hardships that's why I fell into late payments I'm trying to make a life change at XXXX and just want a clean slate name of student loans companies are XXXX and nelnet