23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to formally dispute the fraudulent inquiries listed on my credit report. Despite my attempts to have them removed over the months, these inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been over a month since I began disputing these inquiries, I expect immediate action to be taken.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Central Fincl Control. They have I 've attempted to dispute multiple times however no response on their end. This credit bureaus acc Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Student loan

Hi, I have worked in public service consistently since I graduated from graduate school in XX/XX/2006, either at a 501c3 organization or the federal government. This SHOULD qualify me for forgiveness, but alas I refinanced my student loan a number of years ago with XXXX who have since sold my loan and it is now housed with Navient. It was never explained to me that I'd be giving up my right to loan forgiveness, and now I'm out thousands upon thousands of dollars. I have called Navient and asked about potential forgiveness and was completely rebuffed. 

I know that there is a lawsuit happening against Navient right now, but is there anything else I can do? 

Thank you, XXXX
Product: Debt collection

Please, I need help with repeated calls and them attempting forced payments from bank account prior to when funds will be available. 

Initially spoke with " XXXX XXXX '' not sure of real name. They use spoofing of phone numbers and name even though I am taking their calls. 

She was advised of my financial status XXXX XXXX the 4th week of the month ). I did advise I had no money at the time but will ( and did ) send a payment. This was not satisfactory then and even though they acknowledge receipt of TWO ON TIME PAYMENTS, multiple phone calls per day have not stopped. 

1. I cant guarantee payment via the bank account used for the initial payment. It was used to keep my commitment of said payment and show commitment to resolving this debt. 
2. Second payment was send via money order and received ON TIME by the company per " XXXX '' on XX/XX/28. Advised next payment would be sent to the address by the date provided by them on a payment schedule. 
3. As of the writing and filing of this complaint, there are MULTIPLE calls daily regarding payment. 

I am constantly threatened with litigation even though I am attempting to satisfy this debt. I do admit losing my temper during the last two phone calls with them. In fairness, I do not expect repeated calls when I have clearly shown an attempt to pay and the THIRD due date is not here yet. Threatening litigation and garnishment of a XXXX check prior to a due date when TWO payments have been RECEIVED and ACKNOWLEDGED by Midland Credit Management XXXX Inc. is beyond excessive.
Product: Credit card or prepaid card

I opened a CapitalOne Credit Card ( XXXX XXXX ) with Promo of 0 % APR for 15 Months. but in actual I did not get the Advertised APR on XXXX XXXX website. I applied for the Card and got approved in XXXX and Promo was Active at the time ( Snapshot of the Agreement attached ). I tried to talk this through with Capital One Customer Service Agent " XXXX '' on XX/XX/2023 who confirmed the Promo was active at the time. then she transferred me to the Application Dept and said they can handle your request. Then I spoke with " XXXX '' the Agent same day and further with the Supervisor " XXXX '' both said that its not showing in your contract the Promo. I explained that its not my fault if its not showing in my contract but that's what I suppose to have as I applied due to that Promo. I am very much disappointed with that False and misleading Promo by Capitol One and got charged {$770.00} in interest charges over the last 10 months.
Product: Mortgage

I noticed looking online at my Home Equity Loan payment history and payment breakdown, that many of my payments, sometimes for months in a row, were entirely applied to interest and nothing was applied to principal. I contacted the XXXX number for my bank maybe a year and a half ago (? ) and the representative told me it appeared as though there was an error in how my payment was applied because I used the online money transfer option to make the payment online instead of mailing in my payment with a payment coupon. It was a system error she said. She said she would fix it and when I later logged in the payments were applied in a way that I would expect : e.g. most of the payment to interest given the age of the loan but a notable portion to principal, and an adjusted remaining loan balance. The same thing happened a few more times since then, including several months in a row at the end of XXXX and into XXXX. In XX/XX/XXXX I called a loan officer from my branch to have the error corrected again and ask how I could avoid this problem in the future with online transfer payments. She did some research and got back to me saying that my payments were correctly applied according to bank policy for payments made after the due date. She said that because the payment was after the due date it was applied to the interest of the payment past due as well as the upcoming payment before it could be applied to the principal. She also told me that I had no grace period on this loan but accepted correction when I stated that my payment coupons show a due date of the XXXX of the month with a late fee incurred on the XXXX of the following month, indicating a 15 day grace period. None of my payments on this loan were ever over 30 days late. I am a XXXX  XXXX XXXX  I've had other HEL 's and HELOC 's as well as many mortgages. I've never heard of this policy or had this experience at another institution. This policy resulted in many of my payments having nothing at all applied to my principal and I believe resulted in a higher remaining balance than if payments had been applied according to the amortization rate that I see with my other real estate secured loans. Indeed, when I ran my loan specifics through an online amortization calculator it produced a remaining balance almost {$2000.00} lower than what my bank claims. Can you tell me if this is a legitimate industry practice in the application of Home Equity Loan payments?
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check to my wife and my joint checking account with Chase. The check was from a small business that I co-own, and was signed off by my business partner. The check was for approximately {$25000.00}.

The following day, I received a text message indicating that the check had been flagged as potentially being fraudulent. I called Chase to discuss the situation and explained the basis of the check and was told that there would be a hold on the check until XX/XX/XXXX, at which point the funds would be released. I checked the status of the account on a daily basis, and the check continued to be labeled as on hold. On XX/XX/XXXX, I opened the Chase app and the check was no longer listed as on hold, and the full funds appeared to be available. 

On XX/XX/XXXX, we opened the Chase app and our checking account was no longer there. It had been completely erased from our summary of accounts. We called Chase and spoke to two employees for approximately an hour and a half, and there was no resolution. I then went to a physical Chase location and spoke with someone for approximately an hour. The issue was not resolved, but she indicated that I should hear back by the end of business that day, or the following Monday. She also provided me with a XXXX number and encouraged me to proactively call later in the day for an update. I called the number she provided later that afternoon and was again told that there was no resolution. 

On XX/XX/XXXX, my wife 's personal savings account was also completely erased from her summary of accounts. Her personal checking account is marked for closure. 
We spoke with Chase for approximately 2 hours. My wife spoke to the fraud department and eventually, the employee confirmed that he had submitted a formal report. He said he has dealt with issues like this before, and that he thought the situation would be resolved in 3-4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize this account because it is fraud. You have to remove this account from my credit report.
Product: Debt collection

XXXX ( collections department for XXXX healthcare ) Has reset the dates of my medical debt on my credit reports, in multiple cases is double reporting the debt XXXX 3 times for the same bill, and is not reporting the debt as medical.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I was medically incapacitated from XX/XX/XXXX through XX/XX/XXXX. During this time, medical bills and living expenses were paid on a XXXX XXXX XXXX credit card. This debt was charged off in XX/XX/XXXX by XXXX XXXX without regard for the context of medical debt, and long term XXXX considerations. Today XX/XX/XXXX this account shows as a charge-off of a significant amount, and catastrophically affects my ability to obtain credit fairly regardless of my income level. This is an unfair adjudication by XXXX, I have tried on numerous occasions to resolve this directly with XXXX XXXX including offering to pay the debt in full in exchange for removal from my credit history. This is an unfair adjudication by XXXX, I have tried on numerous occasions to resolve this directly with XXXX XXXX including offering to pay the debt in full in exchange for removal from my credit history. This is a retribution by a large bank conglomerate against a private citizen with an unforeseeable and complex circumstance.
Product: Money transfer, virtual currency, or money service

I have been using CashApp to provide an intermediary for a friend who can not access her own account. She provides XXXX for the public and they pay her through my account. She is the sole earner in the family as her father is sick. 
CashApp was allowing transfer to her wallet until a few weeks ago when apparently a client complained and demanded her money back. Without explanation they completely suspended my account. I filed with the XXXX a few days later they reopened the account again with no explanation. Last week they stopped honoring the wallets again and only said they were not acceptable wallets ( had been used before ). Today they simply closed my account without explanation. I filled with XXXX. I feel that CashApp actions are arbitrary and capricious. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to the 3 CRAs ( TransUnion, XXXX, and XXXX ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. My ex husband had my information and opened a bunch of credit cards in my name. I never had the need for credit until I needed to utilize it to purchase my first rental property. I contacted the consumer reporting agencies and they disregarded my dispute. They are supposed to block and remove all the accounts as indicated on my Identity theft report and have disregarded me. This is defamation of my character as I never opened these accounts in my name. My ex husband has left the country and has left me with all of this fraud. I have so much fraud on my report I don't know what to do.
Product: Student loan

This is a request to reopen a complaint given the following : The company argued in their response that the loan was disbursed in XX/XX/XXXX. All loans were disbursed prior to XX/XX/XXXX ( the year I finished my XXXX degree ). After completing college I immediately served two XXXX terms, and a term in the XXXX XXXX ( post XXXX ) prior to becoming a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. As such during that time I was eligible for 1. {$0.00} payments and 2. PSLF. None of these were honored during this time. 

In a phone conversation with FedLoan in XX/XX/XXXXof this year it was confirmed that the situation should be backlogged, and that my time and payments should be adjusted. In particular, given that I adequately notified FedLoan that I was in the XXXX XXXX ( just as the XXXX XXXX gave notice to the U.S. Dept. of Education ) I should have been immediately enrolled in deferment, however I was charged and put into default. 

Overall, the company 's response is inherently false, as the loans were disbursed from from 8-3 years prior to the date listed in the response. Moreover, despite numerous documented attempts to enroll in PSLF I was disallowed, or disqualified for capricious reasons.
Product: Credit reporting or other personal consumer reports

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

I am filing a complaint against cashapp due to inadequate customer service and unfair practices which violates the consumer financial protections act specifically cashapp failed to take timely and effective measures to prevent and address 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 and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report from Transworld Systems Inc for a utility bill that is not mine I have reached out to them several times providing proof that this bill is not and could not be mine and to no avail. They keep coming back to me with an identity theft paper for me to fill out which all that would do is give them all of my accurate information of which I do not want to do. This collection has a service address of XXXX XXXX XXXX XXXX, Tx XXXX and the bill shows a statement date of XX/XX/2017. I sent them proof that I was not at this location at that time that I lived somewhere totally different and also showed them that I had a totally different light company. They still refused to removed this inaccurate account from my credit report and it is adversely affecting my scores and should not be reporting. I lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX at this time and had and still do have XXXX XXXX  as my utility company not XXXX XXXX XXXX and provided Transworld Systems with not just one bill from the same timeframe proving that I was not at this location and have no idea about this account. But I also sent them 2 other bills that were prior to this timeframe of the statement they sent me to show them that I had this utility company and lived at a different location long before this supposed account was charged off. Still they refused to remove this account so now I am filing a CFPB complaint because for one just sending me a statement is not proof that I owe this debt and also because I proved to them that I did not even live at this location and have no idea about this account and they still have not removed it from my credit report. I have attached a copy of the statement that they sent to me as supposed validation of the debt which it is not and also all 3 of the bills from my actual utility company with dates well before this account charged off for you to review. This account needs to be removed from my credit report immediately or I will have no choice but to take further action and possibly retain a lawyer.
Product: Debt collection

This is the second time I have I've dealt with this company. I spoke with XXXX from Emoney USA and advised her that they are reporting me late on my XXXX credit report. They said they were going to fix it. but they have not. HOW!!! when I am paying on time and I have my receipts to show it. How can it say paid as agreed and they are showing me 60 days late this is killing my credit scores and they need to delete it I have included all the docs necessary to get this account deleted or the lates reverse? I make payments every month. I need help with this. They are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

adding debt that is not known to me XXXX and enchance recovery sent the ftc violation
Product: Checking or savings account

My savings account charges {$5.00} fee per month, if my balance is below {$300.00}. I can only afford to save $ 10-20/month. 

My income is low, so its going to be awhile before I can get my balance above {$300.00}. 

This is the Way 2 Save plan at WellsFargo.
Product: Checking or savings account

I originally filed a dispute back in XXXX of XXXX. When the dispute originally started it was denied the reason being that I was missing charges that the bank believes were fraudulent. So I went back through my statements and found any issues that would have cause an issue. Due to the amount of items it was XXXX case but Fifth Third CHOSE to split these into XXXX cases. So instead of having XXXX issue of fraudulent activity they split it into XXXX. Mind you the accept the disputed transactions and give me XXXX out of the XXXX cases. I go through my records and notice that there is still money missing. So I call back to figure out whats going on. They tell me ONCE AGAIN, that I need to go back and check. I said no thats the same excuse you all gave me when we first started the dispute thats not it. Next thing I know lady tells me hold on comes back tells me my money should be there in XXXX business days. It was. So now were at XXXX out of XXXX. But there is still XXXX left for the amount of {$2700.00}. After speaking with representatives on the phone whilst I am sitting at my local branch with the bank manager. I have it on speaker so that the bank manager can hear. All the while the rep is spewing non-sense the bank manager is shaking her head telling me that its XXXX XXXX. The rep told me that the reason for not receiving my last XXXX is because there was a transaction for {$220.00} that I had not disputed. Meanwhile she puts us on hold and me and the bank manager print out my statements and begin to go over them to see what I have missed. As me and the manager go over the transactions we pause and stop. The transaction in question that they were supposedly waiting on was already disputed. Me and the bank manager both noticed it and informed the rep. The rep then states that she is reinstated the claim which takes another XXXX XXXXays. Mind you this claim has been reinstated about 3 times for non-sense. With the same excuse of you need to add more charges. Mind you, they closed the account after giving me my money minus the XXXX. Theyre saying its high risk etc, which is odd considering ALL these charges have been disputed since XXXX, if I was high risk why not close the account back in XXXX? Because I had XXXX of thousands of dollars in the account. When this XXXX XXXX occured I immediately took it out. Now closing my account is fine once you give me my money back. I opened this account with a near XXXX check, ive not taken a loan and I dont owe this bank a single penny. Theyve given me every single penny except these last transactions and when I ask why where told its a transaction we are missing. Then we go over it with the BANK MANAGER and even she says no, this is some XXXX XXXX they need to give you your money. As the bank manager is my witness, If I dont receive my money and or response. Im continuing with legal action and XXXX will be charged for my attorney fees in full. As well as the XXXX months interest, and any loses Ive acquired due to the lack of my XXXX. Lets play ball attorneys are heavy hitters
Product: Credit card or prepaid card

Fraudulent charges were made and about XXXX was stolen from my account. Eppicard representatives were not helpful and act like they do not care about fraud transactions. The workers should be looked into and this company should be looked into, as many others have experienced fraud with this company. How evil of a scam to steal from a child support program that is to go to children.