23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In a notice dated XX/XX/XXXX, I was informed that previous payments for my Income Based Repayment plan were miscalculated, resulting in overpayment totaling {$1800.00}. The letter said no further action necessary because it had been credited to my account. I called XX/XX/XXXXin an attempt to retrieve that " credit '' but was told it was already applied to my account. I asked if I could have it reallocated to a different loan they serviced and was told it could only be applied to a federal loan. I had no choice in how this was distributed. I 'm on an IBR plan because I ca n't afford to make standard payments, so obviously, I would n't be overpaying if I had a choice. 1/3 of my income goes to student loan payments. I ca n't find any language in any of my terms of service regarding overpayments when it is the loan service 's miscalculation. I sent a written request on XX/XX/XXXX that they issue a reimbursement check. I have had no further contact with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX2021, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. The following accounts were used unauthorized. 

I AM REQUESTING THAT THE FOLLOWING INQUIRIES BE REMOVED AS THEY ARE A RESULT OF IDENTITY THEFT PLEASSE HELP ME WITH GETTING THEM REMOVED PLEASE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below does not belong to me. I was XXXX in XXXX XXXX during the time that this account was opened. My XXXX XXXX XXXX XXXX  XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX Balance : {$7800.00} Date Opened : XX/XX/2016
Product: Student loan

Dear Consumer Finance Protection Bureau, I have extensive student loans and am working towards Public Service Loan Forgiveness. I have been having trouble getting PHEAA/FedLoan Servicing to get the count of my PSLF-qualifying payments correct. Every time I submit an employer certification form ( ECF ), they get some or another count wrong. They take months or more to review and then do not communicate well. 

Specifically, the last detailed payment count I received on XX/XX/XXXX for the ECF filed XX/XX/XXXX ( 8  months late! ). On that detailed count, they said I had 93 payments that count. This, specifically, was incorrect ; they did not count the payment bill XX/XX/XXXX made XX/XX/XXXX ( see file XXXX Fedloan Loan Payment for what they thought at that time ; and see XXXX FedLoan count to see that after much discussion at that time they did realize that the XX/XX/XXXX payment should count, and see the letter from XXXX that reflects this ). 

Also, because of an error on FedLoans part, they did not generate a bill on XX/XX/XXXX. I called them and discussed, and they wrote me a letter that that payment should count. Please see letter from XX/XX/XXXX. 

By my count ( see attached PSLF count spreadsheet ) my 120th payment should be on XX/XX/XXXX, but the latest count I have from FedLoans from XX/XX/XXXX ( for ECF date XX/XX/XXXX ) says I have 104 payments and am on track for XX/XX/XXXX ( it should be 106 payments on that date, and thus it is 2-3 months too late ). It is unclear to me what payments they do not agree with and I asked about this months ago, but they have yet to send me a detailed count. 

I have not yet received detailed counts from ECFs files XX/XX/XXXX. I recently filed another ECF XX/XX/XXXX to make sure they are paying attention and the counts as described above are correct. 

I would appreciate your help with correcting these issues, as I am approaching the 120 payments and every month I pay extra is about an extra $ 1K! 

Thanks XXXX ( XXXX ) XXXX
Product: Debt collection

, i have never lived on XXXX XXXX, i have lived at for 27 yearsat XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I tried to get a credit card through Chase because they showed I had delinqucies on other accounts that I had not opened myself. One of the accounts opened without my knowledge was XXXXXXXX XXXX XXXX and there might be others as well? 

Chase informed me that my credit score was very low due to credit card statements that had not been paid. Prior to me attempting to open a credit with Chase, my credit was in high XXXX 's and now it is in the mid XXXX 's and I am unable to get a credit. 

I have frozen my identity with the three main bureaus. XXXX XXXX, XXXX and XXXX. 

Please advise me on me next steps.
Product: Debt collection

I was told by a XXXX agent that I do n't ow them anything and the next months I received a bill I told them that it was not possible since I was already told not to pay. Then I started receiving calls from ERC and I did tell them about the issue I thought they were going to talk to XXXX and next thing I know they place it on my credit report.
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX? XXXX ). I Deposited money with international money transfers apps ( Remitly, XXXX XXXX, XXXX, XXXX, Wise ) including bank wire transfer and XXXX XXXX XXXX. Once I started traded with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : /XXXX. Please help me, what should I do to get my funds back.
Product: Mortgage

Inquired with Quicken Loans about refinancing rates. Spoke with agent XXXX XXXX ( from the XXXX office ). XXXX pressured me to run my credit. I told him I did not want to do a hard pull and that the other mortgage companies I spoke with only did a soft pull. XXXX advised me that the other companies I had spoke with were misrepresenting this request and that they all have already done hard credit pulls. I was feeling pressured by XXXX with him asking me to confirm my personal information. Eventually I told him to hold on and that I did not want my credit run, but XXXX told me he had already ran it. despite me saying to hold on. 

The information he gave me was wrong and the other companies had not run a hard pull. Which I feel was a sales tactic to lie about my previous inquiries, in order to pressure me to provide my information. I mentioned only a soft pull, and I believe he also ran my credit after I said to hold on. He then refused to answer my messages afterwards, despite reaching out by text and phone, and seeking help from other office agents who spoke with him about returning my messages. I attempted to contact him for 7 hours, and he would not reply, so I was unable to remedy the situation.
Product: Credit card

There was an unauthorized {$5000.00} charge on my credit card on XX/XX/XXXX. I caught it right away and contacted Bank of America immediately. I also filed a police report about the incident that lead to the unauthorized charge. Street canvassers working for children 's charity were outside of the grocery store and collecting donations. I filled out a form to make a {$20.00} donation to the charity and that was how my credit card information was exposed. The thieves charged {$5000.00} to my card. 

The first customer service representative that I spoke to at Bank of America on XX/XX/XXXX filled out a fraud report on my behalf. The following day, XX/XX/XXXX, I contacted customer service again to give them information about the police report. I also requested information from Bank of America about who charged my card because I wanted to submit that information to the XXXX Police Department to help with the investigation. The thieves have targeted a lot of other people in XXXX too, and the police are trying their best to figure out who they are. Bank of America was unable to provide me with any information about who stole {$5000.00} from me. 

On XX/XX/XXXX, I found out through my online banking that Bank of America had denied my fraud claim, so I called customer service again. I was told that my claim had been denied because it had been filed with the wrong department. Apparently there is a different department for unauthorized charges ( billing disputes ). Since my report had been filed as fraud rather than a billing dispute, I was told that I would be responsible for paying the {$5000.00} charge. Also, the customer service representative made me aware that no information about the police report had been included in my case file. I asked her if she could try submitting may case to the right department along with the information about the police report so that Bank of America can follow up with the XXXX Police Department. The customer service representative did her very best too help me, but it was too late to stop the charge from clearing at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three major credit reporting agencies at the beginning of XXXX to inform them of 71 total inquiries on my credit report that I was not aware of, or I didnt authorize. I have some serious concerns that I may be a victim of identity fraud and I am in the process of following the proper procedures for that. I have been a victim of this in the past in the spring of 2016 and these seem to be the same signs only more extreme in this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters via certified mail dating from XX/XX/2019 -XX/XX/2019 to Equifax to corrected erroneous information on my credit file. After they responded to me as verified, I exercised my rights under section 609. Equifax ignored my letter and responded again as verified. I believe that this agency is reporting information that can not be verified neither can I. I also asked for them to update my file with these items deleted and report to all credit bureaus of these erroneous items. Equifax failed to comply and disregarded my request for a credit report mailed to me after this dispute.
Product: Credit reporting

Family with similar names and SS that only changes by XXXX-XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square one. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I settled an XXXX XXXX with XXXX, for the past two years Ive been complaining that the wrong information has been reported to my credit report. Im complained, wrote emails to representatives at the bank, and complained to Equifax and its still has wrong information being reported. My next steps are reporting XXXX   to the Texas Attorney General and to the Texas Finance Commision in addition to filing a Lawsuit against XXXX and Equifax. I have disputing this account for the passed two years and Ive saved the results and have my credit reports for the past two years. This is very unethical for a lending institution to do this in addition violating FCRA Laws.
Product: Debt collection

I requested information on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the original signature of XXXX XXXX the alleged debtors wherein there is an agreement to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtors. 
Alleged account number. 
Address on file for alleged debtors. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
A copy of the original contract between the alleged debtors and the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owed. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
This company did not send any of the information I provided for request instead sent a generic agreement and summary that states that they are the owners of the account and did not provide any paper trail stating they were assigned or owned this debt. On XX/XX/year>, I sent another letter requesting this information again and this company sent the same generic information and did not adhere to my request. On XX/XX/XXXX, I sent another letter requesting this information again and this company sent the same generic letter. This give me the indication that they can not provide any of this information and are not adhering to the laws of the FDCPA, FTC, CFPB, and the XXXX. By not providing this information they have broken all laws according to my state and government and this company needs to be reprimanded for breaking these rules and laws and needs to either dissolve their business or adhere to correct business actions that all businesses or collections should abide by.
Product: Credit card or prepaid card

In order to have a credit card from Capital One I made a security deposit of {$49.00}. On end of XX/XX/2019 I closed the account and according to Capital One I would receive my security deposit after 2 billing circles. So on begining of XXXX I was wondering where was my check and I called them on XX/XX/XXXX saying that I hadn't received the check and also I mentioned that I had move to a new address. They told me they would send a new check to my new address. On XX/XX/XXXX I contacted them again and I said that I hadn't received the check. They said they would issue a new check because the last one returned to them. I confirmed the new address with them and they had it right. I made a new contact on XX/XX/XXXX and I informed again that I hadn't received the check so they told me they would make a deposit direct to my banking account in untill 7 days. On XX/XX/XXXX I called them and I said I hadn't received any deposit on my banking account. They did not explain why the deposit wasn't made and they told me to wait more 10 days. I told them that I was tired of this and I would go after my rights in order to have money back. I made a complaint to Department of Banking and they returned on XX/XX/XXXX saying that forwarded my complaint to CFPB.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date of XXXX JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account # XXXX and Demand for Validation To Whom It May Concern, I am writing to formally dispute the collection account # XXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost, your agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, you have proceeded to place the collection account on my consumer report. This is a clear violation of my rights as a consumer under federal law. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission deprives me of the essential right to contest the validity of the debt before it is reported, thereby undermining the fairness of the debt collection process. Additionally, your actions constitute the use of false, misleading, and deceptive means to collect a debt. This violates my consumer rights and is unacceptable. It is imperative that your agency adheres to ethical and legal standards in all collection activities. Your agency also lacks the authority to furnish any account information to consumer reporting agencies without providing all the required disclosures by law. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ). These statutes mandate specific disclosure requirements to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Given these violations, I demand the following actions be taken immediately : 1. Cease all collection activities related to this account until proper validation information is provided. 2. Remove the disputed collection account from all consumer reporting agencies to which it has been reported. 3. Provide a complete and detailed validation of the alleged debt, including all information required under 12 CFR 1006.34 ( b ) ( 5 ). 4. Ensure compliance with all applicable federal laws in future communications and reporting activities.

Per 15.USC 1692 G you are required by law to 1 ) I would like you to send me a detailed list of the history of the payments made by me on this account ... 2 ) My signature that I put on a contract agreeing to pay this creditor. 3 ) Has there been any insurance claim filed on this debt? 4 ) Proof that you have chain of title to collect on this debt. 5 ) Requesting you to furnish proof that you are licensed and bonded .. 6 ) I am also requesting the purchase agreement between you and the original creditor..

I expect a response within 30 days of receipt of this letter, confirming that the necessary actions have been taken. Please send all correspondence to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

My last payment to my XXXX Visa Card account with Barclays on XXXX, XX/XX/2019 was processed in the amount of {$290.00} by ACH automatic debit from my Barclays savings account ending in XXXX. Over that 3-day weekend, the debit was held as pending by Barclays owing to a temporary freeze on funds in my account that I was not made aware of. On Wednesday, XX/XX/XXXX, I was informed by Barclays that my pending debit would be rejected. Two business days had passed since my automatic payment successfully posted to my XXXX Visa Card account, so I contacted XXXX Visa Card customer service with my concern. I was assured twofold that my account was in good standing and that there were no annotations on my account to indicate any problems with my payment. The representative stated that he did not want me to experience any problems with my account and thus took additional effort to ensure the compliance of my payment. 

One day later, on Thursday, XX/XX/XXXX, my XXXX Visa Card account transactions listed 4 new items indicating that my payment that had been processed five calendar days prior had been returned. The account had been assessed a retroactive interest charge, a returned payment fee, and a repeat debit of my Barclays savings account ending in XXXX for the same amount of {$290.00}. 

I contacted XXXX Visa Card customer service by phone and by secure message through the online portal to address my concern about the lapse in payment and requested in three instances on both occasions that the interest and fee be waived as a courtesy in acknowledgement of the trying circumstances beyond our collective control. I was refused on both occasions with XXXX Visa Card maintaining that they would not be liable for returned payments enacted on their automatic debits and affirming their prerogative to assess both interest and punitive charges. 

The funds in dispute by Barclays XXXX Visa were in practice never in jeopardy. They were able to debit my internal savings account with Barclaysand acknowledged as much in my ledger and in dialogueand retroactively insisted on my negligence by artificially reversing and repeating the ACH debit in one fell swoop. My account never past due, yet XXXX Visa marked the reversal initiated on the XXXX as occurring on the XXXX in order to impose interest on the five calendar days when the payment was never, in fact, past due. 
This insidious practice does not comport with the reality of the circumstances underlying these events and serves only to further an ostensibly dubious profit-driven imperative. Moreover, Barclays was never deprived of the funds given the delay in learning of the lapse and acting to reappropriate them in real-time within its own institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed Transunion, XXXX, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX XXXX, XXXX.