23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have XXXX sets of student loans, XXXX set which began repayment in XXXX, and XXXX that began repayment in XXXX. The XXXX loans are paid via direct debit from my bank account, with the XXXX loans paid by manual payments set up by me. Last month, rather than specifying that my manual payment should be applied to ONLY the XXXX loans, I decided that I would just pay the listed payment due in total and assumed that the lender would apply my payment toward amounts still actually due. Instead, they applied my payment across all of my loans, so that when I logged in today to get my XXXX, I was greeted with a warning that a payment of {$88.00} was past due, despite both of my normal total payment amounts being cleared with my bank ( {$170.00} for the XXXX loans and {$170.00} for my XXXX loans ), because they incorrectly applied my payment. I feel this is a predatory practice and that payments should be automatically applied to all amounts due, unless specified otherwise. This is how people end up with negative credit marks and ballooning interest amounts : the lenders do things out of convenience instead of common sense. Fortunately, it 's tax time so I happened to check the website more often than usual.
Product: Money transfer, virtual currency, or money service

Hi, I could not fine a correct category for this complaint, it 's an odd  XXXX .     I use the  XXXX  lending servic e Prosper ( prosper.com ), I am a lender. Today I received the following notice : " Important Account Update It recently came to our attention that the annualize d net return numbers displayed on your account overview page were inaccurate due to a system error. This error only affected the Annualized Net Return and Seasoned Annualized Net Return numbers and has now been fixed.     This error did not impact any other part of your account, including payments, deposits, monthly statements, tax documents, and note and loan level information - including estimated returns. '' Essentially Prosper has for years stated my returns were around 9 %, however this looks to be an error and my returns are now displayed at around 5 %. This is just the displayed return not the actual money earned but I made investment decisions based on this number. Just like a normal mutual fund, the % return is the most important metric and for years it looks like it was incorrect, and much higher than reality.     Does not sound good to me and it feels serious enough that I wanted to contact you.
Product: Credit reporting or other personal consumer reports

Late payment reported between me and lender XXXX XXXX XXXX. Late payment date XX/XX/XXXX, and XX/XX/XXXX. I asked company to send correspondence company sent nothing just reported late payments.
Product: Credit card

I have been using Chase Freedom credit card since XX/XX/XXXX. However, my transaction on existing magnetic tape card ( without the chip ) was declined XX/XX/XXXX and was given the reason that I needed to use the chip enabled card which i have n't received from Chase neither have I received any communication for the closure of existing card. 

There are two points which I would like to highlight:1 ) When i called the chase customer service XX/XX/XXXX, I was told that I activated the new chip enabled card XX/XX/XXXX. However, i have not done that and which was later acknowledged by another customer service representative. I asked to formally lodge a complaint against why i was provided wrong information which was declined and was told a letter will be sent to me stating my existing card has been XXXX and I would not be able to make transaction when i use the new chip enabled card2 ) Until and unless I receive the new chip enabled card, how am I suppose to use the new card which should have been verified by Chase before declining transactions on my existing card? 

I was embarrassed today morning when i tried using my existing card which got declined and could not shop as i just had Chase Freedom card with me. 

I do understand the enhanced security function of chip enabled card but the customer be notified and consumer should have verified the receipt of the new before implicitly declining transactions. 

I would urge CFPB to look into it and take appropriate action against banks to implement the new chip technology in proper method where the consumer does n't suffer.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, XXXX XXXX, account number XXXX is still being reported on my credit report and it is now past the statute of limitations.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.
Product: Vehicle loan or lease

I am writing with a complaint against Toyota Financial Services for unfair business practices. In XX/XX/XXXX, I leased a vehicle from Toyota for three years, and in XX/XX/XXXXI opted to return the leased vehicle to Toyota. The vehicle was in excellent condition, with just minor wear and tear. I was very upset when I received a bill in the mail from Toyota Financial Services in the amount of {$2900.00} for excessive wear and use, excessive mileage, and a disposition fee. I do not agree with the charges, as the vehicle is in excellent working condition, but Toyota Financial Services has refused to waive or reduce them. I furthermore do not have the money to pay them, but I do not want this listed as a bad debt on my otherwise excellent credit. Thank you in advance for whatever assistance you can provide.
Product: Credit reporting or other personal consumer reports

Ive reached out to the individual companies ad was told I needed to reach out to the credit bureau itself in order to get the inaccuracies removed, however i was told that it was nothing that they could do for me.
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 violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to address and prevent 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 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I had the following two charges that were made WHILE I WAS WORKING AND DID NOT MAKE THE CHARGES. Wells Fargo fraud protection should have stopped the transactions after the first transaction, but did not, and then refused to refund my money even though I have ZERO LIABILITY FOR DEBIT CARD FRAUD!! Anyone could look at these charges and see that they're fraudulent : 1. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$500.00} Begin region Merchant Name XXXX Merchant Address XXXX, XXXX, XXXX Transaction Method Card Info Stored by Merchant Category Rent 2. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$200.00} Begin region Merchant Name XXXX Merchant Address XXXX, XXXX, XXXX Transaction Method Card # Entered by Customer/Merchant Category Rent The " company '' is a company with which the transaction originated in Texas, per the transactions, and the phone number attached to the transactions is a phone number based out of XXXX, UT. When you call the number, it's dead air, there's no ringing or anything. The charges were made for " Rent, '' per Wells Fargo, for somewhere either called " XXXX XXXX '' or " XXXX XXXX '' ( which one would surmise is located in Florida ). I live in California, and do not nor have I ever used my bank account or debit card to pay my rent, and Wells Fargo knows this. If you XXXX the phone number, you can see that there are quite a few people who have had similar problems with their bank accounts being drained via their debit cards for similar charges, at the following site : XXXX XXXX XXXX Anyone with half a brain could see that this is very obviously fraud, and Wells Fargo said that they had to " investigate my claim for 10 business days before a " Provisional Credit '' would be issued ; '' if someone has to wait 10 BUSINESS DAYS, IT IS NOT " PROVISIONAL '' AFTER THAT LENGTH OF TIME!! 

They also said, per their website that THEY PUBLISHED, that I should be able to view current information on my claim from my account on their website, and there is nothing on my account page on their website regarding my claim, so I have to call and speak to a representative, and 9 times out of 10, they just pass the buck and try to pay you lip service to get you off the phone. 

Due to the obviously limited intelligence of Wells Fargo and its employees, and the fact that they are not honoring my " Zero Liability for Debit Card Fraud, '' I can not make my car payment, and now I will be hit with penalties due to their incompetence. I will most definitely be closing my account, and I will be taking my business to a bank that is going to honor their contracts with their customers.
Product: Credit reporting

I have been attempting to submit a dispute x3 days. I tried online 1st and the site had me verify my information and then timed out each time while I was still entering information, at no time was I inactive on the site. The 4th attempt said it was unable to verify my information, the same information I had entered previously. It then instructs you to fax your dispute along with a copy of your driver 's license to XXXX. My fax to this number failed because it did n't answer. I called it and determined this number to be soliciting services for XXXX and in fact not a fax number for the agency. Lastly I called them to submit my dispute via phone and advised them this number was bogus to which they did n't acknowledge, address or provide me with a better number. Their website is instructing people to send their sensitive information to his phone number and they should be made to correct this info or remove it all together. This agency gives you a runaround trying to update your own information and that 's not how this process should work with fair credit reporting, a person should be able to successfully and securely submit updates via the method they have provided and the information they provide should be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX for deletion of unverified or validated information. 

1. XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4800.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

4. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

5. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

6. XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights FCRA 605 ( b ) under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I called to request option to skip XXXX payment XX/XX/XXXX they sent a letter that didn't apply to my request. XX/XX/XXXX I called sender and left message, recording said he'd call back in XXXX hours he didn't. Sent an email XX/XX/XXXX was told a supervisor would respond in XXXX business days nothing. XX/XX/XXXX left another voice msg no response in XXXX hours. XX/XX/XXXX again requested call from supervisor nothing. 
XX/XX/XXXX I called again and was told it would be escalated to a supervisor for resolution. Still nothing. 
I was also told I basically have to ruin my great credit with them by being 60 days late to qualify to miss XXXX payment to be added to the end of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

XXXX XXXX : BANKRUPTCY FILING NUMBER XXXXXXXX XXXX XXXX DISCHARGE
Product: Mortgage

Back in XXXX PNC bank contacted me about insurance. They told me I needed to show proof that I had insurance. I went ahead and sent over the insurance information they asked for. The agent even told me that insurance is fine. Fast forward to XXXX I get a letter in the mail stating I did not have the proper insurance and they added insurance on XX/XX/2024. I did verify and XXXX XXXX cancelled my policy without telling me. I immediately purchased the other insurance they needed and sent proof in. They purchased this policy for me on XX/XX/XXXX but somehow charged me back to XXXX. They stated they sent me something in the mail before the XX/XX/XXXX but I did not receive anything. I do not mind paying the insurance from the initial date of XXXX XXXX but I am not paying all the way back to XXXX since I was not told I did not have the proper insurance.
Product: Credit reporting or other personal consumer reports

Several inquiries on several different occasions are listed that were not made by me nor authorized by me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRXXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

First let me state that I my information has been compromised by OPM Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from Resurgent, dba LVNV. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXXXXXX  to LVNV. Per CFBP Debt collection rules and Debt collection rights ; LVNV failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline XXXX XXXX ). 
The company, Resurgent sent a noncompliant response, dated XXXX XXXX XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. LVNV/Resurgent failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, LVNV/Resurgent requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to LVNV On XXXX XXXX XXXX, which Resurgent acknowledged receiving ( see attachment ) a copy of the letter on XXXX XXXX XXXX ; per certified documentation. However, LVNV in their written communication responded as Resurgent Capital Services & but are reporting to credit bureau as LVNV. 
It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are LVNV or Resurgent Capital Services ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as Resurgent and reporting to credit bureau as LVNV on my credit report. 
Again, Resurgent Capital/LVNV failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress . 
Either way, LVNV/Resurgent failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that Resurgent/LVNV must immediately remove/stop negatively reporting to all 3 credit bureaus. 

Additionally, I had accounts with XXXX XXXX ( XXXX XXXX ) & paid my debt. I also called XXXX and spoke with a representative that stated I 'did not have an account that I owed at XXXX . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.
Product: Debt collection

I sent a letter addressed to Resurgent Capital Services L.P. and a letter also addressed to LVNV Funding LLC asking for validation and verification. They replied saying the information is verified and they also sent me a copy of the billing statement. The address on the billing statement is not my address and the information is incorrect. 

The address they have on this account does not match my address. The original creditor removed the account from my reports when i initiated a lawsuit over this fake address. 
The address they have is XXXX XXXX XXXX XXXX XXXX .... My address is XXXX XXXX XXXX XXXX XXXX .... I do not live in XXXX and that is not my address. This is a large housing complex and people steal mail and packages all the time to commit fraud. 

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 consciously avoids knowing that the information is inaccurate.
Product: Debt collection

Repeated phone calls nearly every day. Sometimes twice per day and sometimes over and over. I have been making monthly payments on all separate accounts. There should be no reason for the calls.
Product: Debt collection

By law if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell CREDIT BUREAUS 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXC XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX