23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from     XXXX   XXXX   XXXX   which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the origina
l creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing 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 consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account I C Systems Collections, has violated my rights in Pursuant 15 USC 1681 section 602 A states I have the right to privacy. Also violated is 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/ instruction.
Product: Credit reporting or other personal consumer reports

Experian, I am submitting this formal complaint to Experian concerning unauthorized accounts appearing on my credit report due to identity theft. As part of this complaint, I am including relevant documents to support my claim. 

Attached Documents : XXXX. License ( for identification verification ) : This is being shared solely for verification purposes. You **do not have permission** to share my license with any other agencies or third parties except for the Consumer Financial Protection Bureau XXXX CFPB ) in conjunction with this complaint. 

XXXX. FTC Identity Theft Reports : These documents detail the identity theft accounts that are being disputed. 

Confidentiality Instructions : - The attached identification is to be used exclusively for my identity verification related to this complaint. 

- I have filed this complaint with both the CFPB and directly through your company. Please ensure that my documentation is handled in compliance with all relevant consumer protection laws. 
- I expect Experian to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable laws when handling my personal information and the disputed items. 

Please confirm receipt of this complaint and the attached documents, and I request a prompt investigation and resolution of the disputed accounts. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Product: Mortgage

In the payoff statement, they charged {$7800.00} for the dates of XXXX, but the loan closed and was paid in full on XX/XX/28. 

I was told by the title company, 'they have never seen something like that ' but that most if not all would be refunded by SLS. 

I waited the 20dys they are given to refund. They sent a partial refund of {$1500.00} for what I assume is half escrow. 

I called on XX/XX/XXXX, and XX/XX/XXXX to resolve it. 

XX/XX/XXXX I was placed on hold for a 'Level 3 ' resolution rep for 47minutues. I had to hang up eventually to get my kids from school.. 

On XX/XX/XXXX, I was able to get through and was told it was escalated to the 'Cash Department ' and that it takes a week to resolve and that *I* had to call AGAIN to find out why or if or when they would refund. So they've been sitting on almost $ XXXX worth of interest for over 2mos, which is well outside the 20dy window. 

The company is SLS, Specialized Loan Servicing. 

They ALSO retracted my XXXX payment with no notice or explanation and started applying for all future payments in the arrears so my credit now reflects 4 late payments and tanked it. I fought and fought to get them to fix at least XXXX and XXXX and they said no.
Product: Mortgage

On XX/XX/XXXX I applied for a loan with Cardinal Financial Company and I had delivered all of the supporting documents they required within 2 days and any additional documents they requested within hours of their requests. After 4 months of several extensions to a lock rate, on XX/XX/XXXX, I received a request to sign a final extension that notified me that the lock status has expired. I left messages for the transaction coordinator to call me to discuss the XXXX extension and I have yet to receive a call back. Little over a week later on XX/XX/XXXX, I received a notice my loan has been denied. Since that letter I have called and left messages and sent emails requesting an explanation, because I believe my loan was denied due to their failure to extend the lock rate any further. I have sufficient cash to request a smaller loan, I have very high credit, and significant income and I believe rather than deny my loan, Cardinal could have discussed alternatives had they called me. Recently I spoke with another salesperson at Cardinal who deals with borrowers with weak financials, etc to look into why I was denied and to discuss alternatives. He later informed me that he doesn't understand why he couldn't get any information on my loan and when he elevated it to upper management he was reprimanded for inquiring. He mentioned that the response was strange. Since Cardinal 's failure to return my calls and to discuss alternatives, interest rates have increased over 1 point more then my original lock rate. Had Cardinal responded within a couple of weeks I would have had the opportunity to find another lender and not be facing higher loan costs.
Product: Credit reporting or other personal consumer reports

My consumer rights were violated under consumer law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Student loan

I went to XXXX University from the fall of XX/XX/XXXX to XX/XX/XXXX. I decided to apply for student loans with Citibank because they were one of the only loan companies that I could get a loan through with my credit and a cosigner. Since graduating XX/XX/XXXX they have sold off some of my loans to XXXX and kept the majority that had very high interest rates. They allowed me to put them in a forbearance for a certain amount of time but once that time was up I was not able to defer them any longer. I had to jump through hoops to get them to put them into a forbearance while I was away for XXXX and would n't have access to electronic devices to be able to pay my bill. I did not get a good job out of college and have struggled thus far to be able to pay the {$430.00} monthly payment that they offer no other payment plan for. This is on top of a {$120.00} payment to discover and almost {$200.00} to federal loans. I fell behind on my payments and they would call me at least XXXX times a day ( from various phone numbers ) starting at XXXX central time and not letting up until XXXX or XXXX. I also received at least one letter a week demanding payment and have a stack, almost an inch thick, of letters from them, my co-signer also received these letters. This was not only stressful and humiliating, but it was also depressing and made me regret ever going and getting a college education. I have recently had to take out a small personal loan to get caught up on the payments, but was unable to even get a loan for more that XXXX dollars because of the negative impact the Citi Student loans had on my credit score. They are unwilling to negotiate a lower payment amount and I ca n't find anyone that would even consider consolidating loans from them. Their associates are much less than pleasant to speak with and leave me feeling like I have no self worth after talking to them. Overall my college education feels like a disappointment because the job market is not that great, and I 'm stuck with student loans from a company that 's money hungry and unwilling to make any kind of compromise with their customers.
Product: Debt collection

in XX/XX/XXXX  I purchased a puppy and took him to   XXXX   XXXX   XXXX   during the visit I was asked if I wanted to purchase puppy insurance which was {$35.00} per month, I was only able to use it once because the vet stopped working for   XXXX   in  XXXX  or  XX/XX/XXXX at both locations in my area. In  XX/XX/XXXX I had to get rid of the puppy due to unforeseen circumstances and was still being charged. I received a call in  XXXX  from one of the  XXXX  reps requesting payment where I informed him that I no longer had the puppy, he stated that I was still responsible for the insurance even if I did n't have the dog at that time it was only {$150.00}.   XXXX   XXXX   XXXX   and IC systems are reporting on my credit reports that I owe them {$630.00} dollars as of  XX/XX/XXXX . How did the payment go from {$150.00} at the time that it was reported that the puppy was no longer in my possession to {$630.00}. If you calculate the amount of payments by 12 months it does n't come out to what they are trying to collect. They should not be allowed to continue to charge people for services they CAN NOT provide, or try to over charge for services that are no longer needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 information is inaccurate..
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
NAME ( Print name, Never Sign )
Product: Money transfer, virtual currency, or money service

Could not speak to anyone about the money that vanished
Product: Credit card or prepaid card

On XX/XX/2020 my husband and I flew on XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX NY to XXXX Florida. 
In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. 
My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to XXXX 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. 
This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. Thank you.
Product: Mortgage

Bank of america is not acting in good faith, and are reporting an account that was already transferred to another bank in XXXX and the other bank deleted the account some time ago, when I reached out to them to have them delete the account they are giving me the run around Bank of america, is unfairly and inappropriately reporting me negatively to the credit bureaus, for an account that was transferred out to XXXX in XXXX and they already deleted the tradline. However, BOA still shows that the account had a delinquency in XXXX. When I reached out to BOA they gave me the run around, at one point, the bank even unlawfully threatened me, not to contact the bank anymore, which is a open to the public ; federal bank, although it 's clearly showing that the account is not accurately reporting at least by one bureau, and by one bureau it 's not existing at all.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/23 and I noticed multiple mistakes on my Equifax credit report. I wanted to make sure everything was up to date and accurate. I filed a dispute with Equifax on XX/XX/23 requesting that they reinvestigate these accounts and make sure that they were up to date, complete, and accurate, and if not to please update, modify, or delete these accounts. I placed the dispute on XX/XX/23 and it's been over 30 days. I'm not sure what Equifax is doing, but it has taken over 30 days for Equifax to respond to me and I know that according to law, they only have 30 days to respond.
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 Regulation E. These actions have caused significant inconvenience and gil ! 
Financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My ex husband died at home in XXXX, Florida. He must have owed money to someone affiliated to Ascension Recovery Services whose phone number is XXXX. They called my sister 's landline here in Wisconsin looking for my adult son. None of us are responsible for his debt. None of us jointly own property with the deceased.