23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I called XXXX XXXX XXXX ( XXXX card ) on XX/XX/2018 and XX/XX/2018 for a credit increase both times I told the representative not to run my credit report. However I received notification from the credit reporting bureau that I have a hard inquiry. I clearly told the reps not to run my credit. I called XXXX and was advised that they did not run my credit report but this is not true I have 2 hard inquiries.

This is a fraudulent business practices. They also stated the calls are recorded so they can be pulled
Product: Debt collection

I was at a XXXX Store A Rep form XXXX XXXX XXXX was offering the services, I ordered 4 XXXX  gave the rep my info and paid {$390.00} for taxes with a credit card XX/XX/2019. The deal was we would keep the same of phone numbers we had with the other carrier, when I received the phone by XXXX I called the XXXX XXXX XXXX number to try and active my cell the representative told me I not could keep the same number because the Rep at the store didn't request that, she wanted me to return the cell and buy them again. She also told me that since the lines had not been activated I would not get billed for them that only when activated the billing cycle would start. I hanged up with her and I drove to an XXXX XXXX XXXX store they could not help me there and they would not take the phones and told me I had to return them using the return labels that came in with the Phones. I did return the phones and called them to notify them of the return and that i was not interested in the service I again explained everything to them and told them I wanted credit for the taxes I had already paid on the phones they were supposed cancel the account that had not even been activated. I was told it would take a while for the credit to be given to me that first the would have to receive the phones ( which they did received. I then saw a charge on my credit card for {$430.00} on XX/XX/2019 I immediately called them and spoke to several rep because I was transferred from one to another. One of them told me it would take a while but it would be corrected. then again I was charged on {$440.00} on XXXX XXXX that day I spent over 2 hours on the phone being transferred from one rep to another not one of them doing things right. one of them said the could see no activity/usage and how could they the were never activated. I repeatedly asked to be transferred to a manager I spent numerous days and hours try to get this corrected. I don't owe XXXX XXXX XXXX. I never activated the lines the 4 iphones were returned  On XX/XX/2019 I was refunded for the taxes that I paid on the 4 iphones I returned.
Product: Checking or savings account

On XX/XX/2021, I wrote a check to a business in the amount of {$250.00} for shower repairs. The check was written using a checkbook supplied to me by my financial institution, USAA. On XX/XX/2021, I was contacted by the business regarding the check. The check returned unpaid by USAA. Due to the check being returned, the I had to pay a {$25.00} returned check fee to the business in addition to the {$250.00} charge for services rendered. The account had ample funds to cover the check and there was no reason for USAA to not honor the check. 

I contacted USAA by phone on XX/XX/2021 to obtain information as to why the check was not honored and to request reimbursement of the {$25.00} returned check fee that I had to pay due to USAA not honoring the check. I called multiple times, spoke with multiple parties, and ended up on the phone with them for hours. 

I repeatedly offered to send them a copy of the check to research. In addition to not providing any information about the check, including not providing any information as to why it was not honored, they refused to reimburse me the {$25.00}. According to USAA, they will NOT reimburse any returned check fees that are not USAA initiated. I repeatedly explained that I had to pay a returned check fee because they failed to honor a check that should have been honored. They again stated they are not responsible for any returned check fees EVEN IF the returned check fee is due to their failure to honor a check that should be honored. 

I have no answer as to why they refused to honor the check and I had to pay {$25.00} due to their failure to honor the check. Despite this, they refuse to reimburse me for the charge. I confirmed that the information ( routing/account number ) on the check is accurate so I am at a loss. 

I am from a military family and I have always praised USAA. I have also worked with them for several years in a professional capacity. I am truly saddened by how poor their customer service has become and that they refuse to reimburse clients who are out funds due to their actions.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax and XXXX immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX  I have been attempting to resolve inaccurate data that is appearing on my credit report from the US Dept of Education. 
I do not owe any outstanding student loans. None of the documents on studentaid.gov match. The loan servicer debt management & collections is absolutely no help. I have sent multiple certified letters to the US. Dept of Education, XXXX XXXX XXXX, to all three credit bureaus no response. I never took out any loan in XXXX. I already graduated in XXXX. I submitted a loan discharge form today for possible forgery as no records exist to show any disbursement sent to me.
Product: Debt collection

Tue XX/XX/XXXX XXXX PM My spouse and I have been deeply troubled and experiencing heightened anxiety due to the ongoing and imminent risk of having our cherished residence subjected to public auction by the debt collection agencies XXXX XXXX XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX XXXX in XXXX, California. 

Our initial home purchase took place on XX/XX/XXXX, during which we, inexperienced in real estate matters, placed our trust in the loan agent and the bank. 

Regrettably, our mortgage arrangement consisted of both a primary and secondary loan. The XXXX percent down payment, totaling over {$30000.00}, was not specified in the loan documentation. Furthermore, the secondary loan amount of {$34000.00} was unlawfully transformed into a HELOC account, without my knowledge or consent, resulting in a modification to {$90000.00} on XX/XX/XXXX, in collaboration with the New York Bank XXXX XXXX and XXXX XXXX XXXX 's name on falsified documents. 

Subsequently, a further fraudulent transaction occurred on XX/XX/XXXX, amounting to an additional {$90000.00}, bringing the total to {$180000.00}. None of the loan agents involved in these deceitful transactions, including the XXXX XXXX XXXX XXXX XXXX, have been held accountable. 

Despite our efforts, no individual has been identified as responsible for these deceptive practices. Authorities, including the FBI, have cited statute of limitations issues, hindering the pursuit of legal action. 

Multiple complaints were filed with various regulatory bodies and financial institutions, such as the Federal Trade Commission, the California Attorney General 's Office, and the Consumer Financial Protection Bureau. However, the response from Bank of America Resolution Specialists and relevant personnel was perceived as inadequate and uncooperative, despite compelling evidence of fraud presented during investigations. 

Subsequently, we engaged the services of a real estate attorney, who affirmed the injustice of the debt collector 's pursuit of {$180000.00} upon reviewing the documentation, highlighting discrepancies in loan eligibility criteria and documentation integrity. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Firm, XXXX. have persistently threatened foreclosure and auction of our property, causing significant mental distress, financial hardship, and emotional turmoil for our family. 

We seek resolution and restitution for the distress caused by the fraudulent actions of Bank of America employees. This situation has inflicted severe mental anguish, and financial strain, and disrupted our peace of mind. 

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

Back in 2019 I got a loan put in my name but I didn't sign up for a loan and now it effects my credit.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal and they closed it without explanation and now holding my funds for 180 days and not allowing me to remove funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX XXXX is reporting my address wrong with multiple addresses where I do not live. 

Theyre also reporting my experiences with a company which is illegal. 

Late payments and hard inquiries are illegal and need to be removed. 
No financial institution can share my information without my consent or experiences. The exclusions listed below : Consumer ( Individual ) Company ( person ) Transactions ( payment history ) Experiences ( utilizations ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 USC 1681a section 2 subsection ( 1 ) A & I under exclusions 15 USC 6802 section 2 15 USC 1681n
Product: Student loan

There's been multiple issues regarding my student loans. Overall student loan debt and amount stated to be owed to AES is incorrect. After numerous requests were made and documentation was repeatedly submitted to AES. It is an issue I have been trying to resolve with AES since 2007. After finding out AES obtained my student loans, and they were assigned to them as my servicer ; AES was repeatedly informed numerous times there were serious issues prior to student loans being transferred to them via XXXX. AES was informed while I was discussing all of these issues with Xpress, I found XXXX immediately and abruptly transferred student loans to AES. I did not know who the servicer was? XXXX explained wait for the servicer to reach out to me and give transfer of loans time to process. There was nothing they could do because the loans were transferred from XXXX to AES already. The same and following information was then provided to AES when I found out my loans were transferred to them. Student Loans that were transferred to them were previously cancelled and funds were returned back to XXXX XXXX. Funds that were returned and deposited to XXXX XXXX XXXX checking accounts also belonged to XXXX XXXX. I also submitted actual loan applications that were altered with amounts that were changed with consolidation. Both XXXX XXXX and US Dept. of Education confirmed accuracies of student loans amount in detailed letter upon my further request for investigation. This documentation is attached. This verification was also provided to both AES and PHEAA guarantor countless times. Request for promissory notes that returned they were lost also attached. Both AES and PHEAA ignored all of my complaints, concerns, this documentation and repeated calls, faxes and documentation even mailed, documentation was also sent I uploaded to AES via email to them through my AES online account regarding problems with initial consolidation, cancelled loans and funds returned back to XXXX XXXX. All the issues surrounding my student loans were repeatedly explained over and over again since XXXX. Still no response, follow up nor communication regarding factual information that was sent to both AES and PHEAA. How is AES allowed to uphold inaccurate amounts, ignore official documentation repeatedly submitted to them proving inaccuracies, uphold fraudulent amounts on altered documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.DPT EDXXXX- XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX- XXXX 5. XXXX XXXX XXXX XXXX
Product: Mortgage

First i want t say thank you guys for your help in the past i am not late and yes pay on time this mortage company Gregory Funding continues to raise our mortgage payment this has been the third time i have complaint to you guys about this mortgage company and they continue to do this to me i work hard and i have to pay other bills to make it in life my previous payment was XXXX now its gone up to XXXX i really can not pay the extra money keeping in mind i dont get it when i pay the home mortgage myself were is all the money going please help me thanks XXXX i really could use some legal help i really believe there is something wrong with this ive been dealing with this for years thank you XXXX XXXX
Product: Mortgage

HI my name is XXXX this problem happen is a old but we had XXXX life inc so if anything ever happen to us it would helped us .well my husband got hurt at work and had to get on XXXX but we had to fill bankruptcy. Because the loan place said we did not buy the XXXX life inc but in 2012 I found the policy and they had me send all the paper work in and they approved the loan and took {$12000.00} dollars and gave it to themselves. AND TOLD ME since they had it we still owned are home which I new we did not because we had to filled bankruptcy. I hired a lawyer paid {$500.00} to started and she told me that it was to big of a place to fight after she took are {$500.00}, So I went back to who I filled are bankruptcy with which he new we had the inc, and he told me just to leave it and just let them have the money .I spend a lot of time doing paper work try everything I could to get what we paid for because we lost are home and everything where they told us this inc was good, and even try to call other lawyers to help but could not get no where so I have my paper work if I could get some one to just listen to me we have lost a lot of money pay out to these place on inc and when time to use them got XXXX .By inc XXXX XXXX , if I could just get some one to call me Thank you XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with Wellsfargo and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block , inc ). Due to inaccurate customer service and unfair practices which violates 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 the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience And financial loss and I am seek Appropriate redress for these violations.
Product: Student loan

My brother XXXX XXXX XXXX attended XXXX in XXXX Minnesota graduating in 2007. During that time he was pressured by the financial aid office to take out several loans promising that his employment post graduation would more than pay for his loans. I co-signed him with the intention to help his career. During the time I co-signed I was an over seas military spouse with no employment. The loan company accepted my co-sign. One loan is for {$36000.00} and the other was for {$18000.00}. I was surprised they accepted. I was unaware that he had several other loans out as well. He is currently an unemployed XXXX in XXXX who was deferring his loans by remaining in school going to XXXX  college. The payments were so high he couldnt manage. This semester he finally stopped going and is seeing a XXXX  for XXXX  induced by the loans he has incurred over his time in school. My primary goal is to remove myself from to two loans mentioned because it is harming my families credit. In addition I am a XXXX XXXX with a XXXX  XXXX  that could be affected by credit issues. However I am also concerned about my brother and the XXXX  this has induced on him. Please advise. Worst case is it possible for me to try to find the funds to cover the principal balance and get removed from the loan? What can be done for my brothers overall problem. XXXX XXXX XXXX XXXX XXXX is the company that has been coming after me now that my brother is having issues. 
Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I've attempted four times to contact Capital One, XXXX XXXX, and XXXX XXXX XXXXXXXX with written correspondence to validate the debt they claimed I owe since XX/XX/year>. Ive also contacted XXXX in writing notifying this information. 
Capital one has informed me they have no contract on file with my signature certifying I'm the person who opened this account and/or of me agreeing to make payments of this account. XXXX continued to allow them to report information knowing this as well! 
XXXX XXXX and XXXX XXXX XXXXXXXX has failed to report any information at all that these debts are mines or proof of any agreements made by myself. 
XXXX has failed to uphold FCRA validation process by allowing them to continue to report negatively on my credit report.
Product: Student loan

A navient representative contacted me maybe 3 years ago stating that I qualified for forgiveness I submitted my XXXX information and my financial documentation for the year I received a letter in the mail stating that my student loan was paid off in full and then shortly after I notice my credit score kept depreciating after running a credit check on myself I found out that my XXXX was moved to navient and was being sent to an incorrect address so I paid {$450.00} to have this forgiveness and all it did was backdoor me and put me in a bed off situation with my creditors when they gave me forgiveness the first time they did n't need a medical excuse they just needed proof that I was receiving XXXX from the Social Security Administration after I realized that I did n't receive forgiveness in my loans were consolidated instead they now ask for a doctor 's note stating that I will be XXXX for the rest of my life because I am only XXXX even though I 'm not working in my field my doctor has hopes and wishes that I develop back into the workforce as a full graduate of XXXX XXXX XXXX I believe I do qualify for loan forgiveness due to the lawsuit that was held against XXXX XXXX XXXX I am reaching out for some assistance and help with relieving my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from I XXXX XXXX to have anyone published at all.