23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was contact ed by a 3rd p arty loan discharge program and was advised that  XXXX   XXXX   XXXX  along with Navient were under  a Class Action suit. I explained I was in program with Navient to repay my loan under an Income Based Repayment plan. I was advised that I should qualify for an Pay as You Earn program which has lower requirements than the IBR plan. They also mention that this is one of the practices that brought about the class action suit against Navient because they mislead customers no loan repayment that is less cost effective for the customer but benefits Navient. I was also given multiple offers of forbearance instead of being offered a more affordable payment plan
Product: Debt collection

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, ENHANCED RECOVERY COMPANY # XXXX. They are in violation of FDCPA 805/806/809. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Debt collection

I owed XXXX a balance of {$290.00}. They sent it over to source receivables for collections. I went to XXXX on XX/XX/18 and the employee called corporate and they agreed to consolidate it and i pay half to have my services restored. I paid {$140.00} on XX/XX/18 and they restored my service. This debt is resolved and paid yet still on my credit report and I want it removed
Product: Mortgage

Since XX/XX/XXXX USAA / XXXX been tacking on unwarranted late fees to my mortgage principal. There have been thirty two such late fees and USAA has used principal only payments to pay for the supposed late fees. The problem with the late fees is i have never made a late payment -- USAA receives an electronic payment from my XXXX XXXX XXXX account for {$1200.00} on the first of each month -- USAA applies late fees after theXXXX of the month. I have spent many hours on the phone trying to get this problem corrected without success. 
Today, XX/XX/XXXX, i happened to noticed a {$62.00} late fee added to my upcoming XX/XX/XXXX payment of $ XXXX that's a late fee on a payment yet to be made. I called USAA and spoke to a supervisor, Ms. XXXX XXXX and she immediately removed the {$62.00} fee. Ms. XXXX provided her direct phone number : XXXX. A Mr. XXXX XXXX responded to a XXXX complaint ( complaint number XXXX ) i made but has not contacted me as promised. Mr. XXXX did not provide his title nor any contact information. I have had two homeowners policies and two auto policies plus the mortgage loan simultaneously with USAA and pay on time and in full. I consider these late fee to be fraudulent and wonder how many other vets this is happening too.
Product: Credit reporting or other personal consumer reports

I have sent a letter to credit reporting agencies such as Experian, XXXX XXXX, and XXXX to remove unauthorized inquiries from my credit report. They have never responded about my request.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXXXXXX XXXX for {$1200.00}. I do not have a contract with NCB Management Services, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Checking or savings account

Beginning XXXX I've been unable to withdraw funds I deposited into my Robinhood account. I've contacted Robinhood via phone, chat, and email only to be told that the issue needs to be escalated. I requested that my funds be released so I could simply close my Robinhood account. I'm still waiting on a solution. One representative I spoke to informed me that the issue was that I accessed my account in Georgia and that's was started the restriction bei g put on my account. I told him I am military and frequently have to travel. It's none of Robinhood 's business where I do and don't travel and access to my funds shouldn't be determined by that. I've been told via email that my situation is being handled but here it is XXXX and I still do not have access to my funds. Some days I log into Robinhood and see no restriction tag but others, it's there. I just want my money, and to close my account but it seems like im.getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 A. States I have the right to privacy. 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: Checking or savings account

ON XX/XX/2020, CHASE BANK WITHDREW {$17000.00} FROM ACCOUNT # XXXX TO BE DEPOSIT TO AN XXXX ACCOUNT. THESE FUNDS HAVE NOT BEEN LOCATED AND I HAVE TRIED TO CONTACT CHASE IN REGARD TO THIS TRANSACTION, THEY HAVE SAID THAT FUNDS WERE TRANSFERRED TO AN XXXX ACCOUNT BUT THE XXXX HAS NOT RECEIVED ANY FUNDS. I AM STILL PAYING MONTHLY PAYMENTS ON TO THE XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$290.00} XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$300.00} XX/XX/XXXX Security Deposit Applied Other XXXX XXXX. ... XXXX {$190.00} So, this Capital One Credit Card company decided that because of my ACH payments were returned twice, the company decided to close my account, I was simply trying to build my credit, and apparently having returned payments to a credit card company brings your credit score down, or so they say. Also I am complaining that the representative supervisor decided to hang up on me because she said I was being rude and not speaking at a professional level, well when Capital One Department decides to close your account behind your back without talking with you, and says they sent you a letter determining the reason of closing the account, why cant these guys be professional. I will never do business with them again,
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$76.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Student loan

On XXXX an electronic payment was sent to PHEAA ( address XXXX XXXX XXXX XXXX XXXX MO XXXX ) for {$4500.00} and processed on XXXX. 
PHEAA was my old loan servicer. 
I have submitted a complaint with Federal Student Aide to determine the status of this payment and can not get any information regarding this payment. 
The payment has not been transferred to my loan provider nor has it been refunded back to me. 
They keep providing me with general information which does not help with locating this payment then getting it to the correct provider. Interest and payments are set to resume in less than 2 weeks and no one will give me any information about it. The payment will pay off my account.
Product: Credit reporting or other personal consumer reports

I am writting to formally dispute the inaccurate information that appears on my Experian credit report, I have found the following items to be incorrect. 
my name, last four digits of my societal security number, phone numbers, addresses, and accounts. 

Account : XXXX - XXXX Account : XXXX - XXXX Account : XXXX XXXX - XXXX Account : XXXX  XXXX XXXX- XXXX Account : XXXX- XXXX Account : XXXX XXXX- XXXX Account : XXXX XXXX XXXX Account : XXXX - XXXX Account : XXXX - XXXX Account : XXXX XXXX - XXXX Account : XXXX - XXXX These accounts are all inaccurate accounts on my credit report they show the balance on these accounts is incorrect. 
I request that you thoroughly investigate this matter and update my credit report accordingly. i have enclosed supporting documentation to help clarify the situation including a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 items : XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This not my account. Please remove or provide method of verification and original instruments of indebtedness. 

XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the list of potential victims of the Equifax hack. Ridiculous considering how many people this affected and I would have had no idea I was affected if not for XXXX. No communication from anyone else about me personally being compromised.
Product: Credit card or prepaid card

In XXXX of 2017 I applied for a XXXX XXXX Credit card and got approved. After I was approved I purchased a few items and then had a bill the following month. I went to pay the bill and XXXX XXXX  charged my checking account twice, so I called the company to ask why. While speaking to a customer service representative the individual began yelling at me and speaking to me in a very vulgar way all over me asking why I got charged twice and why he could not help me figure out why. I brought up the situation to a manager and she said, '' oh well, there is nothing I can do about it. '' I was then charged two fees. I refuse to pay these fees due to the fact that I paid my bill and under their negligence I got charged twice. Then in the midst of this my husband who is in the XXXX got orders to move to another state. For two months I did not have a job and had no place to live since we had to find a house in the new state we got stationed in and I had no luck finding a job. I was unable to pay my bill and tried to reach out to a customer service representative and once again they were of no help and rude as ever. Now I have penalties against my account and my credit score and I do not feel this is right and this company needs to work on treating their customers better. Never have I ever been yelled at and disrespected by a customer service representative until then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear CFPB : I am writing to formally dispute an inaccurate late payment reporting on my consumer report from Experian concerning my account with XXXX XXXX XXXX for the month of XX/XX/year>. The report incorrectly reflects that I made a late payment, which is not accurate. 

I believe that Experian has failed to properly investigate this matter, which is a violation of the Fair Credit Reporting Act ( FCRA ) under the provisions of 15 U.S.C. 1681i. According to the law, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. However, Experian has failed to correct the inaccuracies despite providing ample proof of timely payment. 

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure the accuracy of the information they report. Experian 's failure to ensure accurate reporting constitutes a violation of this provision as well. I request that Experian promptly conduct a thorough and proper investigation into this dispute and remove the inaccurate late payment record from my consumer report. 



Additionally, I would like to reference the Best Evidence Rule as outlined in the Federal Rules of Evidence, specifically Rule 1002, which asserts that the best evidence of the transaction should be presented. I have uploaded the official XXXX XXXX transaction documentation directly from their portal, which should be considered the best and most accurate evidence of the transaction. 

The inaccurate reporting of this late payment has caused significant harm to my credit score, and I am requesting an immediate correction to ensure that my credit history is accurately reflected. 

The CFPB has previously addressed concerns regarding Experians failure to conduct adequate investigations into disputed accounts. A relevant article from the CFPB emphasizes that credit reporting agencies, including Experian, often fall short in thoroughly investigating disputes and verifying the accuracy of information provided by data furnishers. This systemic issue has been highlighted in several enforcement actions and reports by the CFPB. 

Resolution Requested I request that the CFPB investigate this matter and require Experian to : Immediately remove the inaccurate late that they are reporting by XXXX XXXX XXXX from my consumer report. 
Provide written confirmation that the disputed information has been removed. 
Ensure compliance with the FCRA in future investigations of consumer disputes. 
Enclosed are copies of relevant documents, including my dispute correspondence with Experian, my records proving the inaccuracy of the reported account, and other supporting documentation. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to address this issue and hold Experian accountable for its noncompliance. 
Enclosures : Experian Credit Report Documentation of inaccuracies Supporting evidence DL & Social Security Card
Product: Money transfer, virtual currency, or money service

Hello. I used to be a user of PayPal services science XXXX. I use my account for sending and receive money from my friends and family members. But a few days ago my account has been limited without literally any reason and explanation! I have my own XXXX GBP on it that was sent to me by friends of mine. But now my money held up to 180 days. I found countless cases of PayPal stealing their customer 's money after 180 days! That's why I filled in this complaint. 
At first, my PayPal account has been temporarily limited. They asked me to upload information about myself. Such as Photo ID, proof of address, bank statement, and information about my transactions. They give my case reference ID : XXXX. So I submitted all of the required information. After a few days, I found I can't use PayPal anymore. They even didn't send me an email about this. Then I tried to appeal that decision with PayPal but they refused.

I can confirm I didn't do anything illegal. I just receive money from my friends. This is not prohibited by the PayPal user agreement. 
Please help me to resolve this issue. 
Also, I am a XXXX XXXX  but now located in the XXXX.
Product: Credit reporting or other personal consumer reports

address that does not belong to me is on my credit report and shouldn't be, my current address is only XXXX XXXX  XXXX XXXX XXXX NC XXXX
Product: Debt collection

I received a letter from rent recovery stating I owe {$9000.00} from a previous landlord. I sent a letter within the 30 day period stating that I wanted any and all paperwork photos etc. that they had validating that this debt was mine. I do not owe this debt, this is a false debt. I also sent them a copy of a court document stating that the case was dismissed. I never heard anything back from rent recovery solutions and they added the debt to my credit report. I sent them documentation as a photo of the envelope with the date stamp on it will show. I contacted the credit report agencies also and XXXX XXXX took the debt off. However, XXXX  did not take the debt off. I also sent the credit bureaus, the, legally stamped court order, stating that I owed nothing and this case was dismissed. XXXX did not take this that they sent me a letter stating that they would not remove this debt even though I sent them a legal document from Wisconsin circuit court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my Transunion, XXXX and XXXX for this account ( Dept of XXXX ). Because the account being reported by XXXX, Tansunion and XXXX are different, this means the account has not been properly verified. 

Tranunion Acct : XXXX XXXX and XXXX : XXXX Please delete this account immediately
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XXXX, XXXX, XXXX under the account number ( XXXX ). XXXX accounts such as XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I contacted Professional Credit Services to assist me with settling a long standing debt with XXXX XXXX XXXX. I explained very clearly that I am the XXXX of a XXXX parent and that I was her sole breadwinner. I was told by one representative ( XXXX ) that I would be able to settle this debt and get it removed from my credit report. XXXX transferred me to a man named XXXX who not only told me that he refused to settle, but was very abusive and wanted me to send my mother 's medical records to him to prove to him that she was XXXX. I told him that I would n't do that and that because of how he was treating me considering that I initiated the call myself to try and get this debt settled, I disconnected the call.
Product: Credit card

I noticed in XX/XX/ that there was a hard inquiry from JP Morgan Chase Bank ( JPMCB Card ) which brought my credit score down. I called that bank and told them that I believe that is fraudulent. They said it was for a credit card application. I told them I have not tried to get any new credit cards for a long time and that I did not apply for theirs. They said they were going to put a fraud alert on my credit report, send information to the credit report sites and that it should be removed from my report within 30 days. It has not been removed. I called XXXX today when I noticed it hasn't been removed and so they told me to file this.