23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Gemini Trust LLC has inappropriately collected commissions and expenses approximating {$700.00} for processing a bank transfer but failed to perform any of the requested services, failed to refund my entire principal balance as no services were provided, failed to reply to repeated inquiries and closed my account without any explanation whatsoever. The original principal was for {$10000.00} in Gemini but the exchange has refused to make me whole and inappropriately collected expenses even though none of the requested services were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine this XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed
Product: Student loan

i WAS ASSIGNED TOXX/XX/XXXX FOR YEARS, MY STUDENT LOANS WENT BACK TO THE XXXX ''XX/XX/XXXX. I PAID THROUGH INCOME SENSITIVE PAYMENTS, WHAT STARTED OUT AS LESS THAN XXXX IN NOW OVER XXXX, I HEARS ABOUT LOAN FORGIVNESS FOR INCOME SENSITIVE LOAN REPAYMENTS, THEY AID I HAD TO CONSOLOIDATE ALL MY LOANS BY XX/XX/ 2024, NAD THAT I HAD TO AHCVE MADE A CERTAIN NUMBER OF PAYMENTS, AND THAT THEY WILL COULT TIMES WHEN I DID FORBERANCE, i ASKED THEM SEVERAL TIMES IF I COULD FIND OUT BEFORE DOINF THE CONSOLIDATION WHAT MY NUMBERS WERE, BUT THHOUGHT I WOULS BE OK BECAUSE IVE HAD THE LOANS SO LONG SO AFTER XX/XX/XXXX I KEPT CALLING BECAUDE I DID NOT HEAR FROM THEM.

FINALLEY THEY SAUIND THE CUNTERS ARE BEHIND, WE DONT HAVE YOUR COUNT, OR THE CONGRESS STOPPED THE FORGIVNESS, LOAN PAYMENT ARE HALTED NOE. 
Now I FINGD OUR THAT I ONLY HAD 262 PAYMENTS OVER THE PAST 40 YEARS, NO DISCOUSYRE FROM THEM AS TO HOW THEY COUNTED AND I CAN NOT AFFORS 743 A MONTH, I BARROWED LESS THAT XXXX. THEY SCAMED EVERYONE IN TO THIS I'm NOT THE ONLY ONE THEY CONED IN TO THIS, i MEAN WHY CONSOLIDATE, JUST COUNT, PAYMENTS AND LET ME KNOW, WHO KNOWS WHAT XXXX DDI WITH MOY PAYMENTS,, I WOULD LIKE A DISCLOSURE OF HOW THEY DETERMINED MY PAYMENTS, OR GO BACK TO NOT CONSOLIDATING THIS IS JUST NOTFAIR. THIS IS NY STUDENT LAON PROCESSOR. Aidvantage - Official Servicer of Federal Student Aid <CustomerService@aidvantage.studentaid.gov>  aidvantage.studentaid.gov>
Product: Credit reporting or other personal consumer reports

Credit Karma would always say that I was preapproved for credit cards and auto loans and when submitting my information I was declined a 100 % of the time then my score would go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX, account number # XXXX ( XXXX ) and # XXXX ( XXXX ), XXXX at XXXX XXXX XXXX, XXXX  XXXX, MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/2022, XXXX as XX/XX/2022, and Equifax has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Bull City Financial Solutions XXXX XX/XX/2023 not aware of this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 not giving information for this collection XXXX XXXX XXXX XXXX XX/XX/2023 not aware of this collection
Product: Vehicle loan or lease

XX/XX/2018 bought a car from XXXX XXXX in XXXX, AZ. It was as financed by Credit Acceptance. Fours years later, we noticed the total balance is much higher that MSRP listing. We believe there may be unfair/ Illegal practices with them.
Product: Credit reporting or other personal consumer reports

I was paying XXXX XXXX dollars a month payments asked that it be reflected on my credit report balance was told no did not have to do that. The XXXX stopped my payments. I would call XXXX XXXX  and get told I had to speak to a special unit in the company but there was never an answer when transferred so I told complaints with you. How can a debt be a good debt if the Company refuses to let me make payments? How do they get to mess up my credit for refusing to allow me to pay on a debt? I filed a consumer law suit against XXXX or XXXX XXXX  but got told they dont do arbitration? Please explain how this can happen and why. Why has the Federal Consumer Protection Agency allowed a Collection agency to abuse their power refuse payments, stop payments and say that company has a right to report it to a credit reporting AgXXXX
Product: Credit card or prepaid card

Respected Sir. XXXX XX/XX/XXXX I purchased item from XXXX & return authorization by seller amt {$870.00}. Seller refund XX/XX/XXXX XXXX XXXX recharge again XX/XX/XXXX Same amt. I send return usps receipt return Tracking # XXXX Dt XX/XX/XXXX @ XXXX XXXX XXXX ID : XXXX. 
XXXX ID : XXXX I try to solve but XXXX credit card company not help & hold So please kindly refund full credit because item already seller received & delivery by usps attached copy for ur kind atten quickly. I already send to XXXX dispute XXXX also.still no response yet.Thats why I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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: Vehicle loan or lease

I bought this Van VIN XXXX in XXXX of XXXX with a down payment of {$6000.00} and I have been making payment with my best abilities till XXXX of XXXX. I am a XXXX XXXX XXXX and have been struggling since XXXX XXXX. I sold my larger home and bought a smaller home so I can keep my business going and bought a much needed van. My business depends on this van, in fact a relative who is a XXXX XXXX XXXX also depends on this van. 
Our business income is almost trickling down to nothing. We were supposed to win some government contracts but we didnt get it. We applied for some grants and waiting for them. 
My van was unfairly repossessed, I had no idea because my relative borrowed my van like usual and dropped it at work. I received a letter from Capital One explaining that I have till XX/XX/XXXX to negotiate to avoid repossession. I don't understand this letter? they are giving me time till XX/XX/XXXX to negotiate but why did Capital One repossessed my van in XXXX? I am attaching the letter for your review. 
When I called in XXXX to pay, I am not sure the exact date. The customer service told me that my van was repossessed and I have to pay over {$4000.00} to get back the van. 
We were sick and our basement got flooded in XXXX. We were trying to make insurance claim desperately to replace XXXX XXXX XXXX XXXX. ( We didnt go to work ) We dont have {$4500.00} to pay to get back our XXXXan. If we lose our van we wont be able to do any business, that will totally disable our business. 
I have requested Capital One to give me some other payment options so I can get back my van. 
The van cost {$45000.00}, made a down payment of {$6000.00} and been paying monthly payment for over 2 years. We paid so much in interest on the loan it is not fair that Capital One auctions my van. That is so unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, I requested for TransUnion to verify the Chapter XXXX bankruptcy listed on my consumer report. I stated that they should verify or remove this account if they are unable to verify it. I also requested for an original contract with my name on it showing that this account is indeed mine. On XX/XX/2022, TransUnion sent me a letter stating that they verified this account with the " data furnisher '' and then provided the contact information for that furnisher. 
On XX/XX/2022, I sent off a letter to the " data furnisher '' that TransUnion has claimed verified the account as accurate; on XX/XX/2022, they sent off a response and said that they DO NOT report information directly to the " credit bureaus ''. 

TransUnion is in DIRECT violation of the FCRA. This is even shows willful noncompliance as TransUnion blatantly lied about were they obtained verification from. This failure of TransUnion to abide by the FCRA, has not only caused me embarrassment, but it has also hurt my ability to successfully obtain a home for my family and I. TransUnion, has failed to exercise their GRAVE responsibility to maintain accurate reporting of my consumer report.
Product: Payday loan, title loan, or personal loan

I was in a tough spot back in XXXX and decided to try a payday loan. With bad credit I didnt have much of a choice with the situation I was in. I was told that the XXXX loan would be paid off in XXXX payments and i went ahead and agreed. As I was signing the paper work online, they stay on the phone with you to encourage you to complete the paper work. On XXXX of the forms I saw the fee and payment schedule and it had a total of XXXX payments but i was told there would only be XXXX. I asked the guy on the phone and he said thats in case I needed to extend my loan, so again I asked, if i dont extend, then its getting paid off in XXXX payments correct? The guy said yes. Red flag but being desperate, I wanted to belive the guy so continued signing. I never extended the loan and ended up paying all XXXX payments. I took it as a life lesson. Never do business with these type of places. The final payment as per the agreement was deducted on the XXXX of XXXX. Today XX/XX/2022 I was hit with a " late payment fee '' of XXXX and was told i had called in on the XXXX to make that payment arrangement. Not once did I call them to make any arrangement. Everything is auto debited so there was no need for that but still a parting random additional fee was given. All the lady XXXX XXXX could say is that she spoke to me on the XXXX and there is a note. XXXX XXXX. If they did this to me, I know they are doing it to others. they say calls are recorded but still wont go and check to prove I hadnt called. Disgusting company who takes advantage of someone in a bad spot.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting multiple discrepancies. My financial institution XXXX XXXX  XXXX XXXX XXXX and Zelle failed to investigate any of my claims and responded with unfortunately we can not help you. They informed me that recovering lost funds is nearly impossible and tracking these transactions are unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users completely vulnerable to scams and scammers. Zelles lack of accountability and transparency is unacceptable and raises serious concerns for consumers breach of personal information and financial accounts.
Product: Debt collection

On XX/XX/XXXX Capital One received a debt validation letter from me regarding the alleged debt that they are claiming i owe. Any person who attempts to collect a debt falls under the FDCPA ( Fait Debt Collection Practices Act ) Under 15 USC 1692 ( g ) I requested a written notice containing the amount of debt owed, the name of the creditor to whom the debt is owed and a statement that upon the consumers written request within a 30 day period the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. I also requested a ( n ) audit trail according to ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX of the alleged debt that is owed on the account stated in the letter. This is a violation of 15 usc 1601 subchapter ( a ) & subchapter ( b ). Its been 2 months Since this letter was sent ( usps tracking XXXX ) this is also a violation 15 usc 1692e ( 2a ) 1. False representation of the character, amount, or legal status of any debt ; or 2. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Capital Ones failure to correspond is an admission of guilt.
Product: Mortgage

When XXXX happened in XX/XX/2020, we were offered a 3 month forbearance program where the 3 months would be added to the end of the loan term. On month number 4, i began making my regular monthly payments. I tried unsuccessfully to have them remove me from the program as I no longer needed it and they repeatedly claimed that I was not in the program and they would fix the issue once they caught up with paperwork. The original mortgage company sold my mtg to FREEDOM MORTGAGE where they continued to do the same thing, FRAUDULENTLY keeping me in a program that I did not need nor request and I continued making my monthly payments. After almost 2 yrs, they have taken me out of the program and are demanding I sign a new agreement which changes the terms of my existing mortgage or threaten to start foreclosure proceedings. I have made a payment towards the 3 month forbearance program leaving me with a total due of 2 months currently. They continue to change the original terms of the program and will not work with me after fraudulently keeping me in a program I was making monthly payments on that I did not need! Every month I have had the same conversation with the people at FREEDOM MORTGAGE, that they were keeping me hostage while taking my money. I continue to make my current payments each month, they accept them but do not apply them towards the current month due and instead hold it in an unapplied funds account. Because of their actions, they have destroyed my credit rating and has resulted in credit account cards being shut down and canceled and or lowering my credit amount. 
This company is a debt collector and does not own my mortgage. I demand they be investigated for fraudulently keeping me in a program I did not apply for longer than three months and the proof is in the fact that my payments have been made since month number 4 ( after the 3 month program expired ) I demand an explanation as to why they ignored my pleas to do the right thing while taking my monthly payments. I also demand they correct my credit rating. This is criminal! I have numerous recordings every month calling in demanding an explanation from Freedom Mortgage for all of the above. 
They can not even produce signed paperwork for a forbearance program because they have none.
Product: Debt collection

Someone residing at XXXX XXXX XXXX XXXX, XXXX, GA XXXX used my social security number in XXXX XXXX to setup an account with XXXX XXXX. When first notified by a collection agency in XXXX XXXX, I complied with XXXX request to submit all the appropriate disclaimer information ( affidavits, picture IDs, court documents ). XXXX assured me that the matter would be resolved. Recently, however, I 've received another letter from a different collection agency ( Credit Collection Services, {$1700.00} ). Evidently, the previous collection agency ( the exact name I ca n't recall ) sold my account to this new collection agency. According to this new agency, I am once again responsible for submitting documentation proving I am not responsible for the debt, that I indeed am a victim of identity theft. Incidentally, I contacted the XXXX, Georgia police department several times. Eventually, they went through the motions of taking down information. Evidently, no prosecution has been sought against the individual who appropriated my identity. Even so, it is incumbent upon me to provide all the necessary information even though every party involved ( the XXXX police, XXXX and the respective collection agencies ) know the address of the individual using my social security number.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I became XXXX and lost a huge portion of my income. Navient kept piling interest on my loan while I could not pay my loan. Navient informed me that if I choose to request forgiveness of my loan, I still have to pay taxes on the forgiven loan amount as if it was ordinary income. If I could n't afford to pay my student loan payment, how in the world would I be able to pay the IRS half the total value of my loan plus interest?????? Not possible! This is a catch XXXX for loan recipients who become XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Re : Dispute of Inclusion of Certain Information in My Consumer Report - FCRA 1681a Exclusion Dear Sir/Madam, I am writing to dispute the inclusion of specific information in my consumer report, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 1681a, Exclusion ( A ) ( i ). This section of the FCRA stipulates that the term " consumer report '' does not include certain types of information. I believe that the information currently appearing on my credit report falls under this exclusion and should be removed. 

The information in question pertains to transactions or experiences solely between myself and the reporting entity. According to the FCRA, this type of information should not be considered a part of my consumer report unless subject to Section 1681s3 of the FCRA. 

Specifically, I am disputing the following information on my credit report : BestEgg Late Payment Status I maintain that this information is solely related to transactions or experiences between myself and the reporting entity. It should be excluded from my consumer report in accordance with the FCRA 's Section 1681a, Exclusion ( A ) ( i ). 

I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions. Please remove the disputed information from my consumer report or update the disputed information to Paid on time /never late and provide me with a revised copy of my credit report that accurately reflects the exclusion as specified in Section 1681a, Exclusion ( A ) ( i ) of the FCRA XXXX 

I appreciate your attention to this matter and your compliance with the FCRA 's guidelines regarding the exclusion of certain information from consumer reports.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a dispute w/CFPB file # XXXX, the company state that they are closing the account and returning it back to original creditor. Now the Original company XXXX XXXX XXXX has changed the account # and date of service on the bill and have resubmitted it for collections
Product: Checking or savings account

I had just opened a basic online savings account with TIAA Bank, which showed up in my online banking. Today, I logged onto my online banking and saw that TIAA had closed my online savings account without any kind of notice or explanation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX  -debt rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from me credit report with 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all list accounts be blocked and deleted from company information Transunion. Please delete the following accounts XXXX  XXXX {$2900.00} ; XXXX XXXX XXXX {$410.00} ; XXXX  {$64.00} ; XXXX {$1100.00}