23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report that have resulted from a data breach. It has come to my attention that unauthorized access to my personal information has led to fraudulent activities and incorrect entries on my credit report. -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- I request that the fraudulent or inaccurate information resulting from the 2017 XXXX data breach be thoroughly investigated and removed from my credit report. Additionally, I would appreciate a corrected copy of my credit report once the inaccuracies have been addressed. 15 USC 1681 all unverified information must be removed, was promised accuracy under federal law.
Product: Checking or savings account

XX/XX/2024 was when my debit card was stolen. In that time they withdrew {$2000.00} from my atm and spent $ XXXX from my account. I called the day it was missing and they said they would investigate. I said i was able to call stores and request videos- they said they'll do there due diligence and i wouldn't have to worry. Now they are denying my investigation because my pin was used. I have countless times try to ask them if I can help and they don't allow it
Product: Credit card or prepaid card

On XX/XX/2021, I discovered two fraudulent charges on my credit card account. One charge was for $ XXXX, and the other charge was for {$420.00}. I spoke with the credit card company, Upgrade ( Visa account ). I wrote three separate emails, to the company over the past week plus ( 8 days ). I spoke with numerous representatives to resolve. The card was suspended, and a new one is being issued. I have yet to speak with their Fraud representative. I am put on hold for hours, having to hang up, after never being connected. These fraudulent charges are still appearing on my account, and this is hurting my credit rating. 

The last I spoke with a representative, they said the that other charges were attempted on my card. 

The credit card company is not taking action on this fraud.
Product: Debt collection

" If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with the consumer
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I am writing to formally dispute the recent escrow account analysis I received from CMG Financial on XX/XX/XXXX, which indicates a significant shortage of {$19000.00} in my escrow account. To correct the shortage, CMG is requesting that I pay the shortage in full or accept a 76 % increase in my mortgage payments starting in XX/XX/XXXX ( from {$1900.00} to {$4500.00} ). However, after speaking with a CMG manager named XXXX XXXX, I was informed that this recent analysis fails to account for a {$12000.00} overpayment in property taxes reported by the XXXX XXXX Treasurer 's Office on XX/XX/XXXX. 

Furthermore, in XX/XX/XXXX, I learned that CMG submitted an unauthorized tax overpayment for the undivided Property Identification Number ( PIN : XXXX ) associated with my townhome. However, as my townhome is a new construction, the XXXX XXXX Treasurer 's Office only required tax payments for the parcel of land assessed by legal description ( ABL : XXXX ). 

CMGs error in submitting the unauthorized tax overpayment has directly contributed to the inaccurate escrow shortage reflected in my account. CMG has refused to accept responsibility and correct the escrow shortage, stating they are awaiting a refund from the XXXX XXXX treasurer 's office.
Product: Money transfers

On Wednesday XXXX XXXX, 2016 I completed a transaction with PayPal to send {$950.00} to my landlord to cover monthly rent and utilities. Within minutes ( less than 5 ) the transaction was cancelled by the receiving party. I went into my paypal account it did in fact show cancelled. Intuitively since it was done in such a short period of time, it reflected cancelled, and there were no further instructions offered by the paypal site I concluded this had been resolved and paid my landlord via a more desirable payment method. The following day on Thursday XXXX XXXX, 2016 I received notification from my financial institution that my account had been overdrawn. I went and looked at the transactions and paypal continued to charge my account. I immediately contacted paypal to dispute this transaction and was advised that " regardless of you or the receiving party choosing to cancel, paypal will still debt the account and transfer the funds to your paypal account. '' Nowhere did it explain this was the process nor did anything in my account indicate or lead me to do further research as cancelled was stamped on the transaction in red. Paypal refused to provide any customer support and advised I would have to wait 3 to 5 business days before the funds would reflect in my paypal account.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XX/XX/XXXX 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of ( Your amount here ) were discharged and my credit repaired. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll.

Senator Elizabeth Warren has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaint regards to this matter that Mr Cooper ran my credit and still reporting to credit bureaus even though I have their emails and they were agreed to remove it and after that they failed to respond everything.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, TransUnion received from me a disclosure request and investigation request. I personally sent this, signed it, and included proof of residence and identification as well as a copy of my drivers license. I sent this according to Section 609 of the Fair Credit Reporting Act ( FCRA ), where I formally requested a thorough and detailed disclosure of all information pertaining to my credit profile. It was not only a dispute under Section 611 for accuracy, but also a request for full disclosure as granted by the FCRA section 609.

In an attempt to subvert their responsibilities and ignore the statutorily mandated timelines of the FCRA, TransUnion sent me a letter saying that I was using a credit report company or credit clinic and they weren't complying with my disclosure right or investigation per sections 609 and 611 of the FCRA. 

As a consequence, the information contained in the accounts section should be deleted from my TransUnion report under the law and FCRA because TransUnion did not properly disclose or investigate as they have a responsibility to do under the FCRA.
Product: Checking or savings account

My checking account was closed by US Bank and there was enough money in my account to cover the two outstanding debits on my account. They closed my account and notified me by mail only with a check enclosed for the balance ( {$60.00} ) the day they closed the account. When the two outstanding items came in they charged me fees and bounced the transactions. And they reported me to XXXX XXXX. I have been unable to bank ever since. It is not my fault that they sent the money back to me that I had in the account to cover the two transactions that were outstanding. I had the money to cover the items in my account. I did not ask them to close my account. I still do not know why they did. The account number at US Bank is XXXX. I rceived an offer of settlement from US Bank, dated XXXX XXXX XXXX The letter says the contact person is XXXX -XXXX  XXXX XXXX XXXX Their phone number is XXXX. It says the XXXX XXXX XXXX XXXX XXXX XXXX will be notified of the settled status within thirty days of the date they receive payment. I am not paying them for their own mistake I had the money in the account and they closes the account and sent me the balance without giving me chance to pay the outstanding two transactions. I was notified by us mail only and would not have known the items were outstanding or returned until I even got the letter in the mail and opened it and read it. The entire amount due is bank charges only. This is unfair and I have been unable to regain a bank account at any bank because they reported me to XXXX XXXX. They are discriminating against me because I am poor and other circumstances beyond my control. Please call me to discuss this complaint. It must be resolved. This is my second complaint to you on the matter. I have been to US Bank in XXXX XXXX, CA on XXXX XXXX to try to resolve the issue. The branch manager was extremely rude to me and told me it was too old, just to pay it and get on with my life. He was extremely rude to me. I'm not paying for their mistakes in cash. I have paid for two years now by not being allowed to bank at all. Unacceptable and very expensive.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a response was sent to a XXXX 's XXXX ad for a vacation rental. https : XXXX Received a contract, which was signed and returned. The deposit was requested via XXXX. I signed up for XXXX through my Huntington Bank. The first half ( {$3900.00} ) was sent on XX/XX/XXXX and the second half ( {$3900.00} ) was sent on XX/XX/XXXX. 

Information available : Homeowners : XXXX and XXXX XXXX XXXX ( name on contract ) Email : XXXX - multiple emails back and forth an this is the email used for the XXXX transactions. When I did this the name " XXXX '' came up and I was told this was his boss 's account. 

XXXX XXXX has an account at XXXX XXXX XXXX. Account # XXXX and Routing # XXXX - Given to me by the SCAMMER Address on the Payment Receipt for XX/XX/XXXX is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX - Phone XXXX Property Location is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I believe they bought this property in the fall of XXXX In the email when he requested payment for XX/XX/XXXX, he made reference to a XXXX XXXX XXXX XXXX group. I contacted them on XX/XX/XXXX and was told by " XXXX '' that this property had been sold and they had no knowledge of it being rented. 

I contacted a private investigator and found that a XXXX XXXX is currently residing at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This was sold to XXXX and XXXX XXXX and their mailing address is XXXX XXXX XXXX, XXXX XXXX, IN XXXX. Neither couple claims to have any knowledge of this Scam. 

XX/XX/XXXX I contacted Huntington Bank to start a cas and try and get my money back. Case # XXXX. XXXX XXXX XXXX Report # XXXX XXXX. XX/XX/XXXX, was informed that no action would be taken by Huntington.
Product: Student loan

I initially had a consolidated FFEL loan through Great Lakes Education, the loan was sold to NelNet on or about XX/XX/XXXX. I was told there would be no changed to my agreed upon payment plan based on this move. My loan has been on the graduated repayment loan since the beginning of pay back and I am currently supposed to be paying XXXX a month until the loan is paid back. I have not missed paying any installment from the start of my payback period. In XX/XX/XXXX, I noticed that Nelnet had stopped the auto-deduction from my bank since XXXX. When I called Nelnet I was told that they changed my repayment plan based on info they obtained from XXXX University. The new payment plan is a lower monthly cost for an extended repayment length. At no time did I request nor authorize this change from either XXXX University  or Nelnet. Nelnet told me they did this based on info they received from XXXX University  and had placed an email in my " inbox '' on their website informing they were changing it. They refuse to return my plan to its original agreement. This is a deceptive practice and should not be allowed. I do not access NelNet 's website for any reason, as I trust the auto deduction will be carried out per agreed to by myself and the original payment plan. I did enroll in a XXXX  program at XXXX ( I have since withdrawn ), but at no time requested any loans from the university or NelNet as I have been paying for classes out of pocket to avoid adding any more debt to my existing school loan. I have also been taking courses at XXXX XXXX University  for several years prior to enrolling at XXXX and this did not happen based on those courses. I would like my original payment plan restored. They had no right to change my plan without my direct consent which they at no time received. On the phone conversation I did allow them to withdraw the amount necessary to make up for the missed payments for XXXX and XXXX however they have continued to only take the new reduced amount since XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

Account : The XXXX Collection A Account # XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland credit has a debt of {$560.00} from a past credit card. When I called to pay, I was unable to pay because I needed a letter from XXXX XXXX XXXX  revoking power of attorney. I explained that although I worked with XXXX XXXX this credit card debt was not part of my program and XXXX XXXX  is refusing to send such a letter. Midland is tanking my credit and not allowing me to pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a XXXX balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.
Product: Money transfer, virtual currency, or money service

I have been a member in good standing of PayPal since XXXX. I do not have any chargebacks nor any complaints. Out of the blue on XX/XX/XXXX PayPal decided to put a permanent limitation on my account. Essentially freezing all my funds and not allowing me to use their service anymore. 

What I would like to know is what do they think I did? I reviewed their Acceptable Use Policy and can find nowhere that I have violated it. They are holding over {$2700.00} of my funds that I am not able to access for six months. I need this money so that I can continue running my business. I do not think it is fair to banned me from PayPal especially when I have not committed any crimes. 

I contacted PayPal and told them I would like to start an appeal. All they did was send me back another form letter saying that I violated their acceptable use policy but did not indicate what specifically I violated. There have been many, many other people that have been terminated under false pretenses all over the world. This is a common complaint about PayPal. 

Again I have no complaints against me, no chargebacks and Ive had zero issues with PayPal from the beginning. 

I am a small business owner and it is unconscionable that PayPal without warning, decides to hold my business and my money hostage. If you can please look into this I would be very grateful.
Product: Checking or savings account

I had sent money through XXXX XXXX  and was scammed by my party not showing up and getting to me like said. I have not received any form of product through these services. I got a letter that the bank was in my favor then i get a letter saying they are taking the money back which will overdraft my account.
Product: Credit card or prepaid card

Hello, I have been using Synchrony Bank Credit card since past 5 years. 
As part of Text and Email alerts, I have setup Text and Email alert for any payment which is due in 2 days. We generally set up this alert so that even if you miss reading the email, at least you have a notification on your cell phone. 

The Synchrony bank payment was due on XX/XX/2019. I did not receive any text notification on my cell phone for any payment due notice. So the Bank charge me {$38.00} fee for the same. I got only a text notification on Friday XXXX XXXX stating the following. " Amazon.com Store Card Courtesy reminder. Make payment. syncbank.com/amazon.XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP '' On XXXX XXXX I got a text message as this, " Quick heads up to make payment at syncbank.com/amazon or call XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP ''. 

Today, on XXXX XX/XX/2019, I receive call from Synchrony bank debt collection for immediately paying the amount {$79.00} as it is past due. when I told the lady on the call that I did not receive any text notification for payment due and I received a text notification on XXXX XX/XX/2019 only after the payment is past due. As this is a technical glitch from the bank side, I am not willing to pay any late fee. 

The lady was patient enough to listen to me and transfered to customer service but unfortunately I had to hang up the call. 

I called back customer service XXXX and told the representative what has been happeneing, she argued with me that you have been receiveing text message 'as per their system ' and talked to me with high tone saying 'you did not pay bill on time because you did not receive text message is not a good reason, it does not work this way! ' I am extremely unsatisified with the representatives tone and told her I will be closing my account. On that she said " yes please go ahead, you can do so '' and hung up! 

Please advise me how I can get some justice with this complaint and issue. Bank charge hefty {$38.00} late fee and the customer service is even ruthless to hear the issue fully and blame it on customer for the mistake bank committed!
Product: Credit reporting or other personal consumer reports

I received a email saying that my last complaint with my information was verified and updated but how is everything verified and updated when I say that the status update of the account hasnt update since XX/XX/XXXX. Im receiving false information. The update status is also incorrect with XXXX XXXX and XXXX says that the status update was XX/XX/XXXX.
Product: Checking or savings account

My account was locked without any prior communication. Upon opening the app on XXXX XXXX, I was informed that my account was locked and I needed to call customer support to understand the issue. During my XXXX  call that I did on the same day, I was told that they were unable to verify my identity and that I would receive a callback. However, I never received that call. 

When I called again on XXXX XXXX, I was informed that my account would be closed and that my funds would be transferred back. Its been around a month, and they are still telling me that the fund transfer is under review, with no clear timeline for when it will be processed.