23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called several weeks ago to the collector and gave my l  ast 4 of social security at pont they could not find me. either by social date of birth, name lat name so forth. so I disputed the issue. I then receive from  XXXX  that the collector responded the debt is mine. so today I call and now they can find me under my social and date of birth. that is so weird that they were able to find me now not 3 weeks ago.
<P/>
this company that is collecting the debt I worked for. but my apartment and bills were paid by the company so I do n't know how I owe them any money and I was never notified I did owe them anything at all. They had had my email and my forwarding address and nothing was ever sent to me about any money due.
<P/>
this company I worked for is upset because I quit because the way they treated my fianc. he was an illegal immigrant and they were calling ins on him after he worked for them 8 yrs faithful  ly.
Product: Bank account or service

On XXXX/XXXX/2017 Chase illegally took fund from my business checking account where the business is titled as the owner ... they took funds out of the business checking account to cover a personal account overdraft in the amount of XXXX their is a transaction on the account that is currently under dispute with a company which is why it is overdrawn ... they have done thus illegal action before on XXXX they took XXXX out of my business account and placed it in my personal account ending in XXXX they then reversed the transaction and placed the funds back in my business account because it was illegal ... they have now done it again and took funds out of my business account that the owner is the business and is not used for personal use they have took funds illegally
Product: Student loan

This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX  and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX  were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your  Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.
Product: Mortgage

The loan has been sold several time with first sale by XXXX. Each time it was sold, higher interest was added.XXXX tried to foreclose when it went to court the judge dismissed and threw the case out because it was a predatory loan
Product: Checking or savings account

In XXXX of XXXX I opened an account with both myself and my wife listed on the checking account. This was a Charles Schwab account checking and brokerage account. after my paycheck went into the checking account {$3600.00} my wife wanted off the account. I was told when I went to the Charles Schwab office in XXXX NE on XXXX XXXX to transfer the money. I filled out transfer papers while I was there at the office and submitted them. I was also told my wife needed to sign a letter stating she wanted removed from the account and send it to them electronically. I did this also XXXX XXXX, XXXX. I was told this would take 10 business days. The money was never transferred, and I was told at that point to open an account just in my name. I opened the new account and at that point they blocked me from the site. I called XXXX, XXXX XXXX on XXXX XXXX and was told the account was in review and someone would contact me. No one ever contacted me. I called again on XXXX XXXX, to XXXX and XXXX and was told a check would be sent to me as both accounts they had closed. The check would be sent in 10 business days. We never received a check from them. I called again XXXX XXXX to XXXX and XXXX and was told they never sent a check, and the account was under review, and someone would call me back. I called again XXXX XXXX, to XXXX and again was told someone would call me back to discuss the issue and again no one called me back. This morning I call them again XXXX XXXX, XXXX and was told that my wife needed to call them back at XXXX and so on my lunch break I went home, and we called them again at XXXX. We were told that the account is locked and that it is under review and that someone will call me about the issue. I will be very surprised if I ever get a call back from Charles Schwab Bank. And at this point am wondering if I will ever get my money from them. I have also filed a complaint with the XXXX XXXXn hope that they will send me my {$3600.00} as this money is needed and I am behind on bills and my wife has medical issues and we need money for her medication and mine and we have a small child that we need money to take care of. we live paycheck to paycheck, and this is affecting us and how we live. XXXX does not seem to mean anything to them though. I hope this will help me get my money out of the Charels Schwab bank as I am not sure what to do next except keep calling and getting lied to.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2018 my complaint is seems like my mortgage interest is going up in the payments are getting higher every Year once again my mortgage interest went from6.750 % to 7.750 % and there charging me more money every month and it very clear that I'm paying more interest then principal on this loan that's going to take me forever to pay it off. I'm watching every time Select Portfolio Servicing goes up on my interest and charge me more month on my mortgage this is totally unacceptable and I see they're stealing money and if I don't say nothing they going to keep doing it so please " CFPB '' look into this matter. I know my responsibility is to pay my mortgage every month but not get ripped off at the ends of Select Portfolio that stealing and upping my interest rate. I just retired XX/XX/XXXX of this year and I'll be damned if they try to go up on my interest more and charge me more because I will report them every time they do so thank you for your time. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of XXXX days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

My FedLoan Servicing is disorganized, they are dishonest, and they are impossible to work with. XX/XX/2016, I called to get on an extended repayment plan, and was assured that if I made a payment of {$150.00} on or before XXXX XXXX, my payment would be adjusted to roughly {$350.00}. I made that payment, and signed in in XX/XX/XXXX to make a payment. My account balance showed {$0.00}. I signed in in XX/XX/XXXX to make a payment and my account showed I owed {$550.00}. Their loan servicing practices are convoluted and impossible to navigate, their website is impossible, and their customer service is abysmal. I want their loan servicing practices investigated and I want loan forgiveness for the loan payments they have messed up.
Product: Vehicle loan or lease

I sent a {$1500.00} payment to Vystar Credit Union for a vehicle loan. The payment was sent through bill pay via XXXX XXXX on XX/XX/year>. To date, the payment was never received by Vystar. They have no record of a payment coming through for that amount. A late fee was charged to my account for none payment for XXXX. I didnt learn about the incident until later in XXXX.
Product: Credit reporting or other personal consumer reports

I have requested my adress to be updated, XXXX keep reporting wrong adress and keep lying stating the companies are giving that adress the companies are denying as well stating they are not i have sent my correct adress to XXXX i have contacted creditor but XXXX still has not changed my adress even though all the other bureaus have done so, need my adress changed and copy of letter stating my adress was updated
Product: Student loan

We have applied for an income driven repayment plan several times through the student aid federal website and Mohela 's website and it has given us a monthly payment of less than {$300.00} a month considering our dependents and my husband 's student loan amount. However, Mohela is continuing to make me pay over {$1000.00} a month and will not verify the information that we have provided. Mohela is not considering the large amount of my husband 's student loans and the multiple times we have reapplied with proof of our situation. We have spoken to representatives and they also agree that my payments should be much lower but it has not been updated nor changed at all. We think it is only fair to pay the amount according to the income driven repayment plan calculations that comes out when inputting our information manually on the studentaid.gov website and Mohela 's website.
Product: Credit card

Complaint XXXX XXXXXXXX seems to have been prematurely closed out, so the original info is below updated info. A different Citi entity will be notified. 
The responses via letters from Citi do not address any of the issues that I presented. Additionally, I was contacted by someone via phone ( XXXX ), where the gentleman nicely claimed that Citi was a victim & nothing could be done as it was a XXXX party. I reminded the representative that Citi chose to use this provider so it still reflected poorly on Citi, but the representative 's communication continued to showcase that Citi does not want to be held accountable for the choices that they make including vendors that they select, & were unwilling to provide legitimate resolve to the issues presented. 
Attached you will see the letter to the XXXX where they claim to be able to do nothing XXXX On XX/XX/year>, I attempted to use my travel benefits for my XXXX card. After receiving limited results on the website, I reached out to Citi to inquire. The XXXX call from the number on Citi 's travel website, XXXX, connected me with a representative that refused to answer my questions, would not transfer to another representative, & then hung up on me. The next call to Citi general credit card services at XXXX, connected me with another representative that was unwilling to answer the questions that I asked. I was transferred to a supervisor who did not want to hold staff accountable & wanted me to be transferred to the travel side ( where I just called ) When then attempting to call Citi Group ( from their XXXX ) at XXXX, the automated system did not clearly state a way to connect with someone about the issues that I was having. Based on this situation, Citi is falsely marketing it rewards program as I can not easily use them. Additionally, creates barrier to ensure that staff continue to make it difficult for card holders to accomplish anything.
Product: Debt collection

I keep having repeated phone calls from robots along with them leaving voicemails. My main concern is they sent me a text message with my information that anyone could have accessed on my phone. 

They continue to change the number theyre calling from to trick me into answering their phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.
Product: Checking or savings account

I recently submitted disputes XXXX and XXXX totaling {$2900.00} and {$280.00} respectively. The disputes were comprised almost entirely of fraudulent ATM withdrawals at a branch location. Both claims me were categorically denied due to the PIN number being used. I neither affected or authorized anyone else for these transactions. The bank refused my suggestion to review ATM camera footage and the daily log from their ATM and denied the claims. Moreover, the fraudulent withdrawals all have an authorize date that predates their posting date by a few days. Also all are duplicates of earlier legitimate transactions so i was very surprised the bank refused to issue credit or investigate further. I suspect that the phony transactions are not even ATM withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing Experian because it states bankruptcy on my credit report. Please explain to me how this could have occurred, because to my understanding only the last 4 digits of the debtors pursuant to rule 9037 Social Security numbers are released. 
In accordance with the Fair Credit Reporting 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. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting 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 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 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 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 + ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My wallet and phone were stolen at the beginning of XXXX. PennyMac claims they offer mortgage relief. I called the number and spoke with multiple people to get relief through XX/XX/year>. I paid everything by then yet they are saying my account is delinquent and I never got relief until XX/XX/year>. When I asked for the phone records they didnt give them to me. They lied to me. I wouldve asked friends or family to loan me money until I got my money back but was confident I had until XX/XX/year> with no penalty
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2019, asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but I have had not had a response from them yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus in question stated that my account was thorougthly and properly investigated althoagh how is this possible with the date of last activity being inaccurate and the date of account was reported inaccurately. this is clear violation of my rights and is grounds for removal I have informed the bureaus that a consumer reporting agency can not furnish account without written consent and instruction under 15 u.s.c.1681 section 604 a section 2. 

also as a reminder i also have right to privacy which has een made clear to the bureaus under 15 u, s.c 1681 section 602 a. 

the credit bureaus have surpassed the allowable time frame 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following account and inquiries have been made without my consent or authorization. I am requesting that these items be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ESCALATION OF FORMAL COMPLAINT AGAINST LEXISNEXIS FOR NON-COMPLIANCE WITH FEDERAL CREDIT REPORTING REGULATIONS. 

I am writing to escalate my complaint, originally filed on XX/XX/ ( CFPB Complaint ID : XXXX ), against LexisNexis for their failure to adhere to the mandates of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Metro 2 Compliance Guidelines. These regulations are instrumental in safeguarding the accuracy and integrity of consumer credit information. 

In response to my initial CFPB complaint, LexisNexis requested additional proof of identitya clear copy of my driver 's license or social security card, along with the most recent utility bill or credit card statement indicating my current addressin their communication dated XX/XX/. This requirement, not stipulated on their website for accessing a consumer profile or initiating a dispute, raises serious concerns about their compliance with established procedures. This discrepancy, along with their persistent refusal to grant access to my profile despite receiving all requested documents, points to a potential violation of federal laws and indicates the use of delaying tactics. 

The FCRA ( 15 U.S.C. 1681g ) explicitly guarantees consumers the right to access their credit information upon request. LexisNexis 's continual denial to provide access to my consumer profile contravenes this provision. Furthermore, their apparent disregard for the Metro 2 Compliance Guidelines, which are critical for the standardization and precision of credit reporting, compounds their non-compliance. 

The inconsistency in LexisNexis 's identity verification process, as evidenced by the conflicting requirements in their email compared to their website guidelines, suggests a breach of the FCRA and FACTAs transparency and accuracy mandates. This incongruity and the resultant delay in resolving my original complaint strongly indicate the use of stall tactics. 

Given these circumstances, I implore the CFPB to initiate a comprehensive investigation into LexisNexiss practices for compliance with the FCRA, FACTA, and the Metro 2 Compliance Guidelines. I seek an immediate correction of my consumer profile and appropriate measures against LexisNexis for their apparent non-compliance and negligent handling of consumer data. 

Enclosed, please find copies of all pertinent correspondence and documents for your review. 

I appreciate your prompt attention to this pressing matter and await your swift and decisive action to rectify these significant issues.