23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Recently contacted Navient to ask what the " Unpaid Accrued Interest '' was that was recently applied on the account. I have been making the payments on the account for the last two/three years, and it should not have had any missed or unpaid interest on the account. 

On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) about the {$94.00} that was added back to my account under the line item described as " Unpaid Accrued Interest '' on an account summary letter. 

After looking into the account, he identified the original balance financed and that the account was on a payment/interest reduction plan back in XXXX and XXXX. He explained the interest is coming from the interest reduction plan and added as " Unpaid Accrued Interest '' and added back to the loan. 

When I asked if they ( Navient ) were trying to make up for the lost interest while the account was on an interest reduction plan. He replied, " Yes ''. 

He offered his advise to refinance at a lower interest rate ( currently at 11.25 % ) or suggested that the borrower and myself pay-off the loan. 

It is my understanding that an interest reduction plan should be for that period of time and after that plan is complete, the consumer should n't get penalized for the plan by adding the lost interest back to the loan. Otherwise, why offer or have the option of these types of plans, if the company is going to try and get the money back from the consumer anyway.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX  and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Student loan

Hello, I contacted my loan servicer Ed Financial on Monday XX/XX/XXXX to get a refund on my {$9200.00} loan that I paid off during the payment freeze on XX/XX/2021. I was told my refund was submitted and it would take up to 150 days to process. I was also told that I will need to apply for forgiveness once I received my refund and they reinstate my loan. After the call, I did not even receive a confirmation email for my refund request from my loan servicer to ensure that a request has been submitted. I had not received any updates since I called the first time, so I called again on XX/XX/XXXX and there was no update about anything. It should not take up to 150 days to process my refund when other loan services are refunding within 30 days. There is no reasonable timeline for when I will be getting my money back and there are no updates about anything.
Product: Student loan

I am a co-signer to a private student loan from US Bank. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX XXXX XXXX, that I owed {$3700.00}. Off guard and shook, Mr. XXXX said that I was the co-signer to a student loan, last payment received was {$37.00} on XX/XX/XXXX, and the balance is due within 30 days. I explained that it was my youngest XXXX  and I do not have contact information. We are estranged because of other matters. I gave him the last phone number I had. That was not good enough and kept repeating himself trying to get me to commit to paying this off. He then offered to settle this matter for {$1900.00}. I told him I wanted more information. I then received a letter postmarked XXXX and then another XX/XX/XXXX summarizing the offer, threat of judgment etc. After this encounter I have been receiving phone calls since XX/XX/XXXX daily with messages on my answering machine. 
I am retired and live on a pension and social security, I have always paid my bills timely and achieved a very good credit rating. I am asking for help to navigate this mess. As of date, I have not received a copy of the original agreement. 
Thank you. ( I would have to send copies of letters under separate cover ).
Product: Credit reporting or other personal consumer reports

Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Transunion must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Transunion 's duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit reporting or other personal consumer reports

I don't want this on my report, u can delete it immediately, it's not mine. 

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

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. The Account XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00} has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the derogatory status since they have already been paid for. Please investigate these illogical statuses and provide me with the date of the last activity for the account. REMOVE this account if unable to provide proper verification.
Product: Debt collection

XX/XX/2006 student loans that were paid off by XXXX XXXX, when they transferred to XXXX my account was obviously not properly updated in XXXX XXXX records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of XXXX  My credit score is getting major impacted on these collections to ECMC. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU
Product: Debt collection

ON XXXX I RECEIVED A CALL FROM XXXX TO MY PHONE NUMBER XXXX. THEY ASKED TO SPEAK WITH SOMEONE ELSE. THE CALLER TOLD ME SHE WAS CALLING FROM XXXX  BUT WOULD NOT TELL ME THE COMPLETE NAME OF THE ENTITY CALLING ME. I ASKED IF SHE WAS USING AN ADTS TO CALL ME AND SHE HUNG UP ON ME. I CALLED THE NUMBER BACK AND A REPRESENTATIVE ANSWERED MY CALL AND IDENTIFIED THEMSELVES AS CREDIT COLLECTION SERVICES. I ASKED FOR THEIR ADDRESS AND SHE GAVE IT TO ME. I TOLD HER ABOUT THE PROBLEM I HAD WITH THE PREVIOUS CALLER AND ASKED TO SPEAK WITH SOMEONE IN THE COMPLIANCE DEPARTMENT BUT SHE ONLY TOLD ME TO GO ONLINE TO ADDRESS MY CONCERNS. I DISPUTE THIS DEBT AND DEMAND THEY CONDUCT AN INVESTIGATION OF MY DISPUTE AND SEND ME THE RESULTS OF THEIR INVESTIGATION.
Product: Money transfer, virtual currency, or money service

Money was sent via online money transfer through MoneyGram ( Reference No. XXXX ) XX/XX/2020 XXXX CDT and it was supposed to take only few hours to 2 days maximum. The money has to been received by the receiver 25 days later and counting. 

I have contacted the Money gram 4 times already via phone and submitted online complaints ( Case # XXXX, XXXX # XXXX, XXXX # XXXX, happened. During last conversation a week ago they asked for receiver address, and dob which was provided but still no resolution. Only way I knew about the request for additional information is when I called -- no attempt were made by MoneyGram to contact me o the receiver despite having both of our phone and email information on file. 

Totally irresponsible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zell numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE THREE INQUIRIES THAT SHOULD NOT BE ON MY REPORT XXXX XXXX Inquiry : XX/XX/2019  Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to Hancock Whitney Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Hancock Whitney bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Hancock Whitney bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Hancock Whitney bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Hancock Whitney bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Hancock Whitney bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Hancock Whitney bank is seemingly willfully noncomplying. Furthermore, Hancock Whitney bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Hancock Whitney bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Hancock Whitney bank continues to falsely verify as accurate. This has to stop at once!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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

my account has been limited by paypal permanently without any reason.It says I will be able to get the money on my account after 180days passed. However, I noticed that Paypal has stolen my money, they transferred all balance on my account, that is, {$2000.00} USD on XX/XX/2020 to their own account without my permission and even no notification was sent to me. I got no idea what happened to my own money!!! Please kindly help me out about this. I really need the money to pay bills. I deserve to get my own money back. the email linked to my paypal is XXXX.
Product: Credit reporting or other personal consumer reports

I obtained this mortgage XX/XX/XXXX. In XXXX I requested a loan modification. I received paperwork that belonged to a totally different person m. The home was in XXXX  XXXX over XXXX, and not in my name. All the mortgage paperwork including XXXX XXXX XXXX XXXX XXXX There was a lot of back and forth with XXXX because they didnt believe that I had this information, even though I couldve easily sent proof. 

Fast forward to now ( XX/XX/XXXX ). There is no record of my mortgage on my credit report. Not on any of the XXXX major credit bureaus. I contacted XXXX who informed me that they are reporting my mortgage, and to contact the credit bureaus. 

XXXX informed me that they were able to locate the account however it is under another persons name, my social, being reported on their report. Of course they couldnt tell me the name of the other person. 

XXXX. After them telling me to dispute it online and me telling them how if the account isnt showing up to dispute. After being transferred numerous times due to incompetence, a person looked up the account with my information and informed me that it is being reported, on another persons credit report, my loan number, my social security pulls it up, another persons name. 

At this point I didnt try XXXX XXXX 

I called XXXX back. Informed them of the information gathered. Informed the representative of the loan modification paperwork I received years ago that wasnt mine however XXXX didnt take seriously. She looked back on that year in my account, lets say without her being able to confirm that I was right, she never said it didnt happen. 

She told me to write to their credit dispute department with proof that they arent reporting ( you can pull my credit report and clearly see no mortgage is reporting ) and to wait XXXX days. 

There is no use. If they are adamant they are reporting and are not looking that XXXX. My information is on someone else credit report, XXXX my social security is out there, XXXX. I got another persons mortgage information in my safe, it is beyond working with this company. 

I been denied XXXX XXXX loans, XXXX XXXX XXXX XXXX closed my account due to me not needing credit because I am not a homeowner, and my XXXX XXXX cant get above XXXX because there isnt a mix of accounts on there due to this.
Product: Money transfer, virtual currency, or money service

Hi By Wednesday the XXXX of XXXX, I received the amount of {$950.00} first {$600.00} and then {$350.00} from XXXX XXXX ( XXXX purchase XXXX XXXX ) I never even have as a pending funds in the cash app-app account who i need to open to received the purchase price, but I received a email after that i need to send the phones and send tracking number who they can release my money so i think is not to crazy, but after I send the founs and give the tracking number I received another email from cash app support, requesting another {$700.00} to proof for to extend my liability to received more money since I have a new account. I sent the {$700.00} to her with gift cards and follow all the rules by this point I contact cash app customer service line ( searched in XXXX the number to contact them ) and the people who I talking thru i believe the real people told me that yes! the have that policy and i will need to continue! " in a recorder line ) XXXX, then I received another email that I need another {$300.00} with gift cards again, then when apparently everything is concluded. If I want to access my fund I need to send {$50.00} by XXXX ( I already report that XXXX account to my XXXX XXXX back the email that they are using is : XXXX and also they keep telling me to this one : XXXX for fees to express funds. when I think everything is done and by this point that lady has {$1000.00} dlls and the phones that I sent to her. I don't have anything!!!! and I received another email from Cash app that I need to pay {$200.00} in taxes because " customers '' all transaction was inside the XXXX nothing have to be with " customs ''. so they Fraud me with {$2100.00} even I think they will stop today they keep asking for {$100.00} dlls. I contact cash app since the first time that I don't have a good felling about this but honestly to this point or that app work with Fraud people or they al a XXXX CASH APP!!! they customer service are the worst people who I can even talk in my live they did not help at all they answer my emails with 24 hours of delay with pure excuses, One of the times I call the guy tell me you needs to send all that money so we can release your money. Please help me!!! I will attached all emails and communications thank youXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX 

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

Experian Failes to remove inaccurate information from my report yet again. Federal Law requires that the information contained in a credit report be 100 % true or be removed. It does not state that if we raise a complaint with the CFPB XXXX  or any other businesses that the information be reinvestigated and allowed to remain on a credit report. How Can a debt status be change from XXXX XXXX XXXX back to XXXX and so on. This is illegal practices and needs to be corrected at oncce. I sent my receipt copies to Experian because my acct had not been updated and then the acct was marked paid and the status changed to futher harm my credit. 

, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.