23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

EdFinancial has been a nightmare from day one. Response times for critical issues are abysmal. The servicer was to provide me with a statement showing particular information to provide to my employer program for repayment benefits. {$100.00} a month in student loan repayment assistance. An account number was provided about a month or so after request and provided to my employer. Once payments were started to be remitted beginning in XXXX, the ACH would clear, but payments were not applied to my account. I had to manually email servicer a copy of the ACH information to apply to my balances. Email correspondence took weeks for a return, and the funds were applied almost 2 months later. This continued, after repeated requests to update any issues that may be causing this, 4 additional times. Only in XXXX did the servicer relay that through the transition to a new online platform they had changed my account number. From XXXX to XXXX, multiple requests were made to attempt to correct issues they were having. Once the new account number was provided, I provided to my employer, and now I await XXXX test run to determine if it will be applied accordingly. 

However, a new and more pressing issue has presented itself. When repayment was slated to resume, I took it upon myself to explore my options. Through the urging of the government and this servicer, I used a tool that helped me determine if an IDR plan was appropriate. After several turns on the student loan site, it was determined that a more appropriate payment option was a graduated payment plan, and I began making payments as soon as payments resumed. Well, this past Saturday, I received an email stating that my IDR application was approved and my new payment would be almost double what it was in my graduated plan. Not only that, but the payment would be withdrawn from my account in 8 days when my next payment was due. As this was not acceptable, I tried to go online to switch back to a graduated plan. This feature was unavailable, and suggested that I contact them to change. As they arent open on Saturday, I had to wait until Monday. On Monday, I tried all methods of contact only to find that their phones were perpetually giving a busy signal. So I tried a chat, and it was only alluding to using the repayment tool to change my plan, and it was again unavailable to my specific situation. Throughout the day, no phone call was possible, and the only option remained an email, which has an unreliable timeline of response. So not only was I given almost no notice of a repayment change, I was given no opportunity to rectify this MISTAKE before it had a monetary impact on me. I believe this servicer to be in direct violation of a number of consumer protections and am increasingly concerned of how my accounts will be handled in the future.
Product: Mortgage

i had a mortgage with XXXX XXXX and was in the process of finishing up paperwork on a loan modification. All was set then i get a letter saying my mortgage was sold to a new company Shellpoint. This is where the issues started. I was accused of not completing the loan modification payments to XXXX XXXX when i did the whole process and was just waiting on the new payments to start. Now shellpoint is next to impossible to get a hold of so i was assigned a point person who i was never able to speak with. I left at least four to five voicemails for my point person but never received a call back. I finally spoke with my point person after i had to track her down because they sent a new mortgage for me to sign with no call or email of any kind it just showed up at my house and was way more than i had agreed to with XXXX XXXX. My point person said they would look into and confirmed my phone and email saying she would email me and reach out the next day. That was XX/XX/23, as of XX/XX/23 i still had not received a call or email. I called my point person again and by miracle she answered. asked why i never got a single return call and she said she did call and i asked what number and she gave a number i never heard of. I told her look at her notes we confirmed the right phone number and email on XX/XX/23 conversation. She had no explanation and i asked for a supervisor who was little help and said someone would call me back today XX/XX/23. I have been dealing with this for almost 4 and half months now. So now i have to sign the loan modification that I can't afford or pay {$22000.00} to bring my loan current as it was on deferment during the pandemic for 12 months. so, I am a single father of two teen daughters. The communication and explanations have been absolutely horrible. Almost 21 years in the house and only two prior mortgage companies and this is the first issues i have ever had.
Product: Debt collection

I disputed the fraudulent account XXXX XXXX put on my report with XXXX  and they are obligated to investigate and contact the creditor. They gave me a result of this meets FCRA etc this is not my account. I have never used this company before and I believe my social security has been stolen, or the company made a mistake. This needs to be fixed immediately. XXXX had already removed this from my credit report. I dont think XXXX  even investigated this dispute. What address was used for the electric service? I can guarantee I never lived there.
Product: Checking or savings account

On my cash app there is documents that state I have funds held in program banks enough to be eligible for XXXX fdic insurence and they give me run around and act like dont exist And says I got power of a tourney or something that I know nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has marked my account as late when I have full proof & have submitted full proof Ive never been late on any account. They have not corrected the info, they are not working with me to correct the info. They marked me 3 late payments which is incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested security freezes from Experian for myself and for several minor children. 

Experian issued the freezes for my children, but not for me. 

My letter, which I sent via postal mail, included everything Experian required. 

Clearly, Experian established my identity as legal guardian, yet their letter to me dated XX/XX/XXXX said they were unable to do so on my own behalf. 

Experian 's response is not logical.
Product: Credit card

I recently received a copy of my credit report. The credit report showed a credit inquiry by Best Buy that they do not recall authorizing. I understand that Best Buy should n't be allowed to put an inquiry on my file unless I have authorized it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this inquiry and they said to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it. I asked Best Buy what reason that Best Buy wanted to my credit file. They replied that we do n't have any information or record why we wanted to your credit file.
Product: Credit card

I am filing a complaint against Chase Bank regarding the denial of my Chase Visa Signature Business Card application. 

On XX/XX/year>, I received a denial letter from Chase stating that my application was denied solely due to a past bankruptcy. The letter explicitly states, " Your credit report reflects a bankruptcy. '' This decision appears to have been made without considering other critical financial factors such as my high income, low debt levels, and fair credit score. 

Under the Equal Credit Opportunity Act ( ECOA ), creditors can not deny credit solely on the basis of a past bankruptcy without considering the entire financial profile of the applicant. The denial letter from Chase does not indicate that any other financial factors were taken into account, suggesting a potential violation of the ECOA.

I request the CFPB to investigate this matter and ensure that Chase Bank complies with the ECOA. I have attached the denial letter from Chase for your reference.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a family member used my Amazon credit card ( synchrony Bank account ending in XXXX ) without authorization to order a new cell phone in the amount of {$490.00}. ( from Amazon ) 3 hours after the order was placed I received a confirmation email and promptly called Amazon customer service to cancel the unauthorized order. They declined to cancel the order. The phone was delivered several days later and promptly returned to Amazon unopened. 
Amazon set me an email acknowledging they received the returned order. As compensation on XX/XX/XXXX Amazon issued me a gift card for the {$490.00}. 
I called Amazon and declined the gift card and asked them to credit the amount to the credit card. On XX/XX/XXXX Amazon canceled the gift card and I assumed credited my Amazon Store Card issued by Synchrony bank. But as of today ( XXXX ) after countless calls and disputes, and mailed documents as requested Synchrony bank they refuse to correct the fraudulent order and remove the charge from the card. They are fully aware it was a fraud order and the item was returned to Amazon. I have emails from Amazon customer service indicating they have notified Synchrony Bank to cancel the charge on my credit card but they still refuse to do so. Its now in collections!
Product: Payday loan, title loan, or personal loan

This month is the 3rd time I have tried to pay off my account with the company XXXX XXXX located XXXX XXXX XXXX XXXX TX XXXX. This has happened since the day XX/XX/XXXX on the phone and Every time I call the store to pay off my account in full. they do not let me do a fun payment to pay off my account. They say that they will report it the my credit that I am not making my monthly payments on time. and that will affect my credit in a negative way. They tell me to make my monthly payment only. so Im not allowed to pay off my account in full which is what I want to do. and all 3 times I have gone all 3 different employees have told me and treated me the exact same way which is unfair. when I asked for a Supervisor they denied to transfer call their supervisor. I was told that the manager would tell me the exact same thing about not being able to pay off my loan, so it was pointless to speak to the manager. every single time I speak with a employee they are very rude and direct. 
When I make my loan with XXXX the employee who made my loan explained that there are no penalties if I payed off my account in full early. and explained to me that if I payed off my account early would save interest and it would get reported to my credit as a positive credit.
Product: Debt collection

I ordered a printer online with shipping included in the price I paid to the vendor. It was delivered by XXXX as scheduled by the vendor. Several months later I received a bill for {$50.00} for shipping ( exhibit A ). Then I received a collection notice from a debt collector ( exhibit B ). I sent them a letter stating that it was not a valid debt ( exhibit C ). I received another collection notice after that ( exhibit D ). Then I received another past due notice from XXXX ( exhibit E ) and a copy of the Bill of Lading ( exhibit F ) and a copy of the Delivery Receipt ( exhibit G ). 

On the bill of lading it clearly says Freight Charge Terms " prepaid ''. Under third party freight charges bill to it is blank. 
On the delivery receipt it says " prepaid - will invoice third party ''. 
In tiny print above that it says by accepting the delivery you agree to be responsible for any additional charges. 

I was never informed that there might be additional charges. I would not have accepted the delivery if there was. 
The reason for any additional charges has never been itemized or explained. 
It clearly says prepaid - bill to third party. I 'm not the third party.
Product: Money transfer, virtual currency, or money service

I called CashApp support multiple times when I attempted to escalate to resolve and unauthorized transfer to some that I don't know in the amount of {$450.00}. I have requested a refund within the app with no response from the recipient as well. CashApp would not confirm the recipient profile is valid nor attempt to reach out to them to retrieve my money. I need my money back. I don't know this person 's real name, Cashtag or phone number.
Product: Credit reporting or other personal consumer reports

There are addresses on my report that are not correct.
Product: Checking or savings account

On XX/XX/XXXX, I checked my online Bank of America XXXX unemployment account and found that {$15000.00} was stolen from my account. In reviewing the transactions, I saw that three unauthorized withdrawals for {$5000.00} each occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and reported this to Bank of America immediately on the same day. 
I did not authorize those transfers and my transfer-to account does not show receipt of those transfers. I do not know to where the money was transferred. A claim was opened and I was told it could take up to 45 days to resolve. I called the bank today, XX/XX/XXXX, to follow-up and was told that my claim was denied and no explanation was given. I filed a complaint and submitted a request for reconsideration, knowing that there could not be any possible evidence to find me liable for this theft. 
I spoke to a bank supervisor who reopened the claim and said it is unacceptable that there is no explanation and he told me to file a police report which I did. I have been calling 2 to 3 times a week and filed complaints and yet nothing has been resolved. I have faxed them the police report, the FTC ID Theft report, a written statement, and my photo ID. 

The written agreement with the bank says that I am zero liable for fraudulent activity and I know that I did not withdraw those funds, but the bank still to this date XX/XX/XXXX, has not restored my money and I am in financial hardship because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 u.s.c 1681a-section 602 states I have a right to privacy 15 u.s.c 1681a-section 604a- section 2 in also states customer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX pulled my credit report ( XXXX ) XXXX received an alert from XXXX XXXX who alerted this inquiry. I place a Fraud Alert on my credit report back in XX/XX/XXXX. I never applied for credit with that bank ( never heard of them ). I filed a police report too on XX/XX/XXXX. I contacted Avant customer service and explained the fraud and not to issue credit because I never applied. I also asked them to expunge the inquiry and I emailed their fraud dept too. They said they would contact their fraud dept and some one would be in touch within 10 days. No one contacted me so I called back and they said they emailed me the required paper work but I never received it. They said they would send it again but again I never received it. They would not give me a telephone number to their fraud dept and they had no supervisor that I could talk to. I then contacted XXXX to get involved and sent them a copy of my police report and letter explaining what happed and what I wanted. As of today, the inquiry is still on my report and i have received no information from Avant on if an account was opened and why they didnt contact me with the fraud alert on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Capital One : Account # XXXX, has violated my consumer rights. Last year XX/XX/2022, I filed a complaint with CFPB under complaint # XXXX, stating that Capital One has been misusing my information and reporting to the credit reporting agencies information that they were not allowed. They case was closed and nothing was done. I have filed an identity theft report on this matter as well under Report # XXXX. 

15 U.S. Code 1681 A- states that I have a right to privacy. 15 US Code 1681b subsection ( a ), also states a consumer reporting agency can't furnish an account without my written instructions. Under 15 US Code 1666B- a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Violation of TILA 15 US Code 1666 ( b ) Billing Error Violation of 15 US Code 1681 - Congressional findings and statement of purpose. If you are unable to provide me with a copy of the verifiable proof, that I was given an option to opt out and not forced to only opt in, in order to receive extension of credit, then you must update and/or remove the information. 15 US Code 6802 - Obligations with respect to disclosures of personal information. ( b ) Opt out ( 1 ) In general, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that my information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy and what goes on my credit report. I have also filed an identity theft report with the FTC as well. Additionally, failure to respond satisfactorily with the null and void of this account will result in the above actions taken against your company in small claim state proceedings ; I will also be seeking monetary relief of ( {$1000.00} ) per violation for 1 ) Defamation of Character 2 ) Negligence infliction of Emotional Distress and 3 ) Violations of 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX 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, XXXX actions may also contravene the consumer financial protection act ( CFPS ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. 2025 CFPB 0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with this company and have been making monthly payments for about 5 months. On XX/XX/year> I received an email from Xact that said I could refinance my existing loan. To my understanding this means that I would get a better interest rate or lower monthly payments. After filling out the forms, I realized that what they did was give me a new loan to pay off the original loan. My monthly payments increased significantly and I now have the original number of payments. I immediately called the company to request the new terms be rescinded and my original terms be reinstated. I was told that I would have to wait one day because there would be a {$100.00} deposit to my bank account and they would reverse this payment, which they did. After this was done, I called back as instructed so I could make my normal monthly payment. I was told this would have to be made manually. The person I spoke with put me on hold and when they came back said that the new loan could not be reversed. I believe the email I received to " refinance '' my loan was deceptive and possibly illegal. This is a predatory lender that takes advantage of those with less than perfect credit. I am paying 3 times the amount of the money loaned. I just want to pay my original loan payments and be done with this company.
Product: Credit reporting or other personal consumer reports

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to.
Product: Credit reporting or other personal consumer reports

I was affected by this breach. I am scared. I am worried about whats going to happen to my credit.
Product: Debt collection

This company attempts to call me 3-4 times a day, even on the weekends. They claim to be Commenity Bank and collecting a debt for a purchase I made at XXXXXXXX XXXX XXXX. I do not have an account with Commenity nor have I purchase anything from XXXX XXXX XXXX 

They want me to wire them money to pay this debt. 

I believe this to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX