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

I was charged {$240.00} in overdraft fees. 

At the time there was a balance of {$11000.00} in my second checking account XXXX. 

I have been a customer since XX/XX/XXXX and have never once overdrafted either account. 

After weeks of phone calls and several exchanges of letters to senior management, I have been refunded for four of the seven fees but that is not sufficient to resolve this issue. 

1. 
On XX/XX/XXXX I overdrew my account XXXX four times and was charged {$35.00} for each point of sale transaction. 

2. 
On XX/XX/XXXX there was a balance of {$11000.00} in my second checking account XXXX. 

3. 
On XX/XX/XXXX at XXXX XXXX, upon learning of the fees, I immediately transferred in {$2000.00} from account XXXX. 

4. 
Later on XX/XX/XXXX three more fees were assessed to my account. This totals seven fees in all. 

Chronologically these three fees followed the {$2000.00} deposit. 

5. 
When I opened my account in XX/XX/XXXX, I enrolled in an overdraft protection product that would draw from my second checking account XXXX. 

At some point since XXXX, without my knowledge, this overdraft product was discontinued. The product I was automatically enrolled in at that time was useless to me. 

I do not understand whatever product I am now enrolled in which will pay transactions on account XXXX for a {$35.00} fee. This product is useless to me since I dont even have checks for this account. 

If I was informed my overdraft product changed at some point in the last seven years I would not have agreed to it since I dont care if a transaction is rejected on account XXXX. 

If I were attempting a purchase at a merchant -- and my point of sale transaction was denied -- that would be my cue to check the balance on the account.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have encountered numerous violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. These violations involve the reporting of inaccurate information, unauthorized hard inquiries, and deceptive practices by credit reporting agencies and debt collectors. Specifically, they failed to verify the accuracy of credit information, neglected to disclose my right to opt out of sharing personal information, and inaccurately reported late payments and debts without proper validation or my consent. 

Additionally, they disclosed debt-related information to third parties, failed to define late payments accurately, and included unauthorized finance charges. These actions are clear violations of FCRA Sections 616, 603 ( d ) ( 2 ) ( A ), and 623 ( a ) ( 3 ), among others. I am demanding immediate corrections to my credit report, including the deletion of inaccurate personal data, removal of unauthorized hard inquiries, and rectification of false reporting. If these issues are not resolved promptly, I will have no choice but to seek legal remedies as outlined by federal law.
Product: Debt collection

XX/XX/XXXX XXXX XXXX and XXXX starting call me and my relatives misrepresenting themselves as a law firm hired by US bank to collect on a d debt and that if i dnt pay the amount they would sue me in court and report my debt to all credit reporting agencies. This harassment was so unprofessional and needs to stop. The calls to me and my relatives needs to stop. The treats of ruining me needs to stop and this collection agency needs to stop representing themselves as a law firm working for US Bank. I have never been informed of this debt that supposedly took place in 2010 11 years prior. I have never had any correspondences in the past about this matter until this company XXXX XXXX and XXXX contacted me and my relatives and sent me a email. I tried to locate the company with the address they provided on the letter in the email and no company could be found a this address. the receptionist is states they are many law firms but wouldn't clearly identify themselves. I don't even believe this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Account # XXXX I paid this account off in XX/XX/2011.
Product: Student loan

Dear CFPB, I am submitting a complaint to CFPB due to the denial of TEPSLF ( Temporary Expanded Public Student Loan Forgiveness ) I received on XX/XX/XXXX. Attached is a copy of my TEPSLF request and the denial. 

The TEPSLF denial states that I do not qualify for forgiveness under the TEPSLF because I have not been in repayment for at least 10 years on my Direct Loans. 

The TEPSLF was created in 2018 Congress to help borrowers who had fulfilled their public service but who were, unbeknownst to them, in the wrong repayment plan. 

The TEPSLF was created for my exact situation. My lenders, XXXX XXXX and XXXX did not advise me that my loans were not the correct type to qualify for PSLFP. I made 99 monthly payments from XXXX through XXXX. I only learned that I needed a different loan type when I applied for my annual IDR renewal. 

I have now met all of the criteria for the TEPSLF however was denied. 

1 ) I have made over 126 monthly qualifying payments ( 120 is required ) 2 ) Both of my loans are Direct Loans 3 ) I have worked for the XXXX   XXXX XXXX  XXXX for 15 years and am still working there. 

Fed Loans has now set my PSLFP completion date in XX/XX/XXXX which is well past my retirement date. 

I was unable to attach my packet of pertinent student loan documents because it was just over 10.7 MB. If I can send it to you another way please let me know. 

Thank you for your review and consideration. Please let me know if further information is needed. 

Thank you kindly!
Product: Money transfer, virtual currency, or money service

I was selling XXXX on krypto.com for XXXX XXXX XXXX money it's very simple process and in doing so I sold it but I never got my cash it says I have my cash but it don't say I have my cash on my balance it said the process was completed but I don't have the cash on my balance I should have the cash on my balance it's right at {$3000.00} this is second time this company has done this to me The first time is a little bit more complicated and some of my fault but they still stole my money the first time this time is just unbelievable because I have XXXX XXXX  have to pay for I was supposed to go up to XXXX but because I didn't get my money I can't go to XXXX for this research treatment that could but me into remission. But I couldn't make the deadline cuz I ain't have the money to travel I had to apply for the funds to be paid for to travel ahead of time so I miss this cycle of research
Product: Student loan

I requested a refund for my student loan payments ( {$1800.00} ) from Edfinancial that I made when my repayments were paused after the CARES Act was enacted. I made this request on XX/XX/2022, before loan forgiveness of $ XXXX was announced. I was told it would take 60-90 business days but I haven't received any email or information online to confirm this process is happening. I called again in XXXX to ask about what is going on and they said it is still processing. However, I am now seeing that some people are getting their loans reinstated and receiving their refunds in a short period of time, even though they made the request over a month after I have. I would like some more transparency on the matter, and to receive my refund sooner rather than later if possible. I have been unemployed for a few months and really need the money back to pay rent.
Product: Credit card

I was charge {$250.00} from untied airline as I called chase bank they transferred me to the fraud department I reviewed a call on XX/XX/23 @ XXXX from chase to discuss this issue as the time on the phone was very long as the rep from chase put us on a conference call with untied Airline as the untied indicated to the chase rep there was a credit on my untied account the chase rep ask many times was credit from untied my reasonably the untied rep said no I only post to pay a {$150.00} not the other charges that was add to my account
Product: Debt collection

They keep mailing me now for months and months saying I owe a debt which I do not. They call my cell phone AT LEAST 6 times per day. I have reached out to them via email and told them FOUR TIMES this debt does not belong to me but they continue to harass me. Today, they called my work, I told them to stop calling me, got a manager on the phone who proceeded to argue with me AFTER I told him to stop calling. I emailed them again immediately after the call and told them that I will be retaining a lawyer for abuse, fraud and harassment. The company is XXXX XXXX XXXX
Product: Student loan

My student loan held by US Dept of Education is being service by Nelnet. I 've called Nelnet in XX/XX/XXXX to obtain outstanding balance information on my student. I was told my current balance was {$17000.00} which include debt from XX/XX/XXXX to XX/XX/XXXX. Approximately two months later I 'm being told my student loan balance increased by {$6500.00}. I called Nelnet servicing dvision to get reason for the increase. At first, customer service representative was n't to sure for the reason and transfer me to a supervisor. Supervisor told me increase was due to reduced APR I was being charged while I was in Chapter XXXX bankruptcy. Student Loan with US Dept of Education was included into my Chapter XXXX bankruptcy filling. I told supervisor this in direct violation of the federal bankruptcy laws. I 've sent letters to both US department of Education and Nelnet asking for someone to contact me regarding matter. I 've attempted to contact US Department of Education for assistance, but was unable to get any help. I getting the run around with Nelnet when I ask for explanation. Nelnet saying it 's US Department of Education that caused the increase. Which is untrue. My Chapter XXXX bankruptcy was discharge in XX/XX/XXXX and XX/XX/XXXX Nelnet provided balance of {$17000.00}. Do n't understand {$6500.00} increase two months later. I 've asked Nelnet to do a full accounting audit on my loan balances, but have yet received any information from Nelnet. Nelnet is misrepresenting my true loan balance and refused to get matter corrected.
Product: Debt collection

Dear CFPB Complaints Department, I am writing to file a formal complaint against Transworld Systems Inc for their relentless pursuit in attempting to collect a debt that is a direct consequence of identity theft. An individual, using my stolen identity, leased multiple apartments across the country simultaneously and failed to pay rent. Despite my efforts to provide Transworld Systems Inc with evidence of this fraudulent activity, including a police report, FTC affidavit, proof of identity, proof of residency, and the multifaceted nature of the identity theft incident, they persist in their collection efforts. Their actions blatantly violate the Fair Credit Reporting Act ( FCRA ). 

The debt collector, Transworld Systems Inc, has continually disregarded the evidence provided, which unequivocally proves that the debt in question is a result of identity theft. Their actions not only defy the FCRA, which explicitly mandates fair and accurate reporting, but they also ignore the multifaceted nature of this identity theft incident, which has resulted in multiple fraudulent leases across various locations.

The following are the laws and regulations that Transworld Systems Inc is violating under the FCRA : Failure to conduct a reasonable investigation into the disputed debt, as required under 611 ( a ) ( 1 ) ( A ) of the FCRA.

Neglecting to cease collection attempts and reporting to credit agencies on a disputed account, as mandated by 611 ( a ) ( 2 ) ( B ) of the FCRA.

Failing to comply with the FCRA 's requirement to verify the accuracy of the debt following a consumer 's dispute under 611 ( a ) ( 7 ).

As a result of their persistent and unlawful actions, I demand the following immediate actions be taken by Transworld Systems Inc : Cease all collection attempts related to the fraudulent debt associated with multiple leased apartments resulting from identity theft.

Remove any and all mentions of this debt from my credit reports.

Provide written confirmation that they have ceased collection efforts and taken necessary steps to remove this fraudulent debt from my credit history within 30 days.

I am providing additional copies of the evidence supporting the multifaceted identity theft incident and the fraudulent nature of this debt. It is my expectation that the CFPB will promptly investigate this matter and take necessary actions to ensure that Transworld Systems Inc adheres to the laws set forth by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

On about XX/XX/XXXX, I tried to dispute information in report Accuity provided to the Social Security Admin. They told me I would have to request a copy of the report first. I requested it. On XX/XX/XXXX, I disputed the information in the report orally, by email, with a copy sent by mail. I included the case and consumer number given to me by Accuity on these disputes. Accuity sent me a letter on XX/XX/XXXX, received on XX/XX/XXXX, with a different case number and ID number saying I needed to provide my personal information again. I sent this on XX/XX/XXXX. I just received another letter, with a third case number and ID number, asking for personal information again. Rather than deal with the dispute, they keep opening new files and asking for the same information. It has been more than 30 days since I first tried to dispute the accuracy. In the meantime, I am being removed form XXXX and XXXX while I have extensive medical needs.
Product: Mortgage

This is a follow up to my previous complaints to JPM on my home mortgage loan. Last claim # XXXX I have received JPM response which as indicated on my feedback on the before mentioned complaint, does not address my questions/concerns : I do not need JPM to keep on sending me duplicate documentation as they do not add anything to their response nor answer the questions raised. The issues are as follows : Per XXXX : ( 1 ) Harp loans are the only refinance program that enables eligible borrowers with little to no equity in their homes to take advantage of low interest rates and other refinancing benefits. -- -- I had approx. 65 % LTV. Chase increased this percentage upon loan processing. My refinance was to reduce debt only - NO CASH OUT. My mortgage was never under water nor I ever defaulted on my loans. 2 ) The mortgage must have been sold to XXXX XXXX or XXXX XXXX on or before XX/XX/XXXXXXXX -- -- - As mentioned before, I had a conventional loan prior to XXXX. Chase deliberately changed my loan to the HARP program thru XXXX XXXX in XXXX. 3 ) Your home value has decreased. - Although due to market conditions the home value had decreased, my home value did not suffer as much because I bought my house in XXXX. By XXXX I had already refinanced my mortgage 2 times. I never asked cash out. I had enough built in equity. The question then becomes : " Why did Chase convert my conventional loan to a HARP loan without disclosing the pros and cons or the program itself ( While it is true that documents do indicate that Chase gave me a HARP loan and I ended up signing for it, as stated multiple times, they never indicated that the type of loan they were giving me was going to be under a different program nor did they explain the reason for the change ) Furthermore, based on the HARP requirements, technically my loan DID NOT qualify for the HARP program. Then again, WHY DID CHASE OPTED TO CHANGE MY LOAN, thus limiting my options and INCREASING THE OVERALL DEBT. 4 ) If my LTV was approx 65 %, how is that Chase determined that I did not qualify for the lower rate???????? 5 ) What does Chase classify as predatory/discriminatory lending practice. With regard to the credit card debt : My question was did Chase use the incorrect report issued by their credit card department to determine the rate they gave me? Chase states that because they paid the vendor, I was liable ; however, my comment was that CHASE TOOK IT UPON THEMSELVES to submit payment to XXXX without letting me know as THEY DID NOT APPROVE my balance transfer when I applied for it. Someone was to call me. THEY NEVER SENT me a letter nor I received a phone call nor a credit card. All I received was a statement indicating that I owed them $ XXXX. CHASE refused to retrieve the funds back from XXXX even when they confirmed that the account had been fully paid by another credit card company. CHASE INCORRECTLY placed my account on collection for interest I did not owe them as it was their mistake to send the funds without notifying me. All the funds were returned to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple disputes and 605b letters to Equifax. Equifax refuses to block information from my report. These following 3 accounts are fraudulent. Ive never done business with these companies or entered into a signed contract with these companies.

1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$610.00}. This company did send a copy of a lease, but it doesnt have my signature on it!! It also has the wrong DOB XX/XX/87 is listed on the fraudulent lease. Bout XXXX  & XXXX  have deleted inaccurate information. Please Follow Suit And Delete!! Please see attached Ftc report and Lease page with wrong DOB.

2. XXXX  XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Please delete its been over 60 days its no way you still investigating this. Please follow suit of XXXX  and XXXX  and Delete. 
3. XXXX XXXX {$500.00} this account is fraudulent. Please follow suit and delete this account, XXXX  and XXXX  has removed inaccurate information from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditacceptance continously keep calling they would call off one number then use another number if I dnt pick up they have called me several times a day every day
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a collection company that keeps sending collections when i do not owe any money this was an apt complex and in the agreement they waive all expense due to the pandemic that we are in
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX5 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter certified mail ( XXXX XXXX ) ( Equifax XXXX ), and ( XXXX - XXXX ) stating they were violating my right to privacy as a federally protected consumer due to lack of my written consent pursuant to 15 USC 1681 ( b ) ( 2 ) Permissible Purposes.

They replied how they verified the information with the creditors but I know That under 15 USC 1602 I am I n fact the original creditor under 15 USC 1602 ( g ) I will take legal action upon defamation of character and identity theft since they do nt have my written consent to furnish these items I also sent a copy of my state issued ID, SSN, and a utility bill to ensure my identity
Product: Credit reporting or other personal consumer reports

XXXX This is my Equifax file number from my last complaint, which you state in my first complaint file " might take 15 days. '' It seems Equifax has responded, but failed to fully reflect all the way through the report the same correction. If they are to repair the problem and therefore, do not understand their grave responsibility to report correct, verified and permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604, they should have it corrected all the way through! 

They have not attempted to fix ALL of my information per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared, which they haven't done because they seem to be reporting one thing and not the other, which is all backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' They have not removed the bankruptcy from my public records file as per my complaint and the proof from a bankruptcy statement from the Arizona Bankruptcy Court that that they do not share information to third party agencies according to 15 USC 6802 ( b ) ( c ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Equifax never informed me of my right to exercise my nondisclosure option. 

There are many more codes that defend my rights, but for now, this is negatively affecting me and I want it fixed immediately! Not only that, but they haven't even attempted to fix the easier things like the number of my names on my account, I only have one name, XXXX XXXX ; my work history which is wrong and completely inaccurate and finally an account that I NEVER had that is still on the report. It's not my account and never was my card, but there was Identity Theft because someone USED MY CREDIT to GET A CARD and it wasn't me! Finally I am opting out of your reporting services per 12 CFR 1016.7!