23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Mortgage

On XX/XX/XXXX, I sent the following letter to Specialized Loan Servicing via tracked XXXX mail to the address they had designated for notice of error. It was delivered on XX/XX/XXXX. The tracking number is via XXXX is XXXX. It is XX/XX/XXXX and more than 5 business days have elapsed since the notice of error was received by the servicer. Their response was due XX/XX/XXXX and I have not received any communication whatsoever, not even acknowledging receipt of the envelope. 

I sent them the following letter concerning their failure to pay my property taxes as required by the closing documents. The property taxes were due on XX/XX/XXXX and late fees and interest have accrued due to their failure. I am also now receiving letters from the county tax office threatening foreclosure and I need the servicer to take *immediate* action to pay the tax bill as they are contractually obligated to do. 

The letter follows : To : Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX, Colorado XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 Account/Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The parcel ID for tax purposes is XXXX XXXX. The tax account number with the XXXXXXXX XXXX XXXXXXXX and XXXX XXXX is XXXX. 


Escrow Errors : I have been notified by XXXX XXXX and the XXXX XXXX XXXX that your company failed to pay the following expenses from my escrow account : o Property taxes ( total due {$5500.00} ) : XXXX XXXX, {$330.00} ( due XX/XX/XXXX ) XXXX XXXX, {$1500.00} ( due XX/XX/XXXX ) XXXX XXXX, {$89.00} ( due XX/XX/XXXX ) XXXX XXXX, {$3600.00} ( due XX/XX/XXXX ) o Interest charges due to SLS late payment of taxes due : Interest has accrued due to SLS not timely paying the amount owed.

I expect SLS will pay the interest accrued due to late disbursement from my escrow account. I expect that SLS will not debit my escrow account for the following amount due. 
Interest owed to the XXXX of XXXX due to the late payment is {$150.00} as of XX/XX/XXXX. 
o Proof of these charges and their non-payment is attached as a subsequent page. 
Please disburse {$5500.00} from my escrow account to the XXXX of XXXX immediately. 
Please pay all interest due to the city ( {$150.00} as of XX/XX/XXXX ) due to SLS error. Do not charge my escrow account for the interest accrued due to SLS non-payment. 

If you need to contact me, I can be reached by email at XXXX or by phone at XXXX. As a last resort, I receive mail at the address referenced above. 

Sincerely, _________________________________________ 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 for these violations.
Product: Checking or savings account

XXXX is third party vendor for the purchase of XXXX XXXX tickets in which I purchased as a gift and requested a refund. I did not attend the concert I disputed with XXXX and the bank Please see attached documentation for evidence in my case
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX, 2020, I used the Bank of America mobile app to transfer {$600.00} to my father. I transferred the money through the XXXX portal in the app. To identify the recipient, I entered my father 's phone number, which he has owned for over two years. When my father didn't receive the money, I called Bank of America 's customer service to inquire about the missing money from my account. They informed me that they had transferred the money to a previous owner of that cell phone number. The only option they offered as a solution was to file a complaint to ask the money recipient to voluntarily return the money. In their estimated range of 30 to 45 business days it would take to reach out, they never contacted me with a response. I called their customer service again for an update and they informed me that they had not been able to reach out to the money recipient, and that my only available option was to take legal action against the money recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX AV XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX GA XX/XX/2022 ; XXXX XXXX GA XX/XX/2022.
Product: Student loan

ISSUE # 1 : After submitting a recertification for my income-driven repayment plan, I received an email from XXXX on XX/XX/XXXX stating the following : " We were not able to process your recertification request for your Income-Driven Repayment plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. '' I never received any such letter detailing why my IDR recertification was denied given no change in annual income. I called customer service and the agent said not to worry because my payment would NOT CHANGE until XX/XX/XXXX. This was a lie. Today ( XX/XX/XXXX ) I received a direct-debit reminder for a significantly higher payment ( more than {$200.00} increase ). 

I speculate that XXXX may be using spousal income based on XXXX. However, not only do we plan on filing separately for the current year ( XXXX ), we also have a pre-nuptial agreement stating that my student loans are not community debt. 

ISSUE # 2 : I do not believe XXXX is counting eligible payments made to my previous loan servicer ( XXXX ) toward my public service loan forgiveness ( PSLF ). I have copies of bank statements showing payments made that are not being counted by XXXX even though they were made under an eligible repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX
Product: Student loan

I XXXX  from college in XXXX. I consolidated ALL my student loans and aid them off in XXXX. Just this year, 30 years later, a student loan servicer sent me a notice informing me that I need to start making payments on my loans. In the 30 years since they claim I took out these loans, I have never heard of them, and the Department of Education handled the consolidation process, so it's unlikely I have a 30 year old federal loan that they just happened to find all of a sudden. 

I immediately disputed the loans, and asked for verification and validation documentation three times via certified mail. Over the past three months, they have ignored my requests. They have listed these loans on all my credit reports, and report that I have been making payments, which is NOT true. I've never made a single payment. Given the age of these magically discovered loans and the fact that they refuse to provide any documentation, I am forced to assume that these accounts are in error or that there has been some kind of fraud ( e.g. identify theft ). But now they are threatening to destroy my credit rating ( which is nearly perfect - this morning XXXX rates me XXXX ) if I don't start making payments. And as I understand the law, if I do start making payments, it is an implicit acceptance of the debt. 

I can't get them to engage with me, and I don't see a way to resolve this before they kill my credit rating. I consulted with a lawyer, and was advised that their services would likely cost as much as or more than the loans themselves. I find these tactics unprofessional and irresponsible, not to mention illegal. I need help forcing them to respond so that I can resolve this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Around XXXX to XXXX, my phone got her XXXX XXXX for her XXXX XXXX from XXXX XXXX in Arizona XXXX. XXXX XXXX Last week I got a collection letter for {$60.00}. I called the doctors office and asked for a copy of the bill. The woman named XXXX said she did not have it and to call the collection agency ( I recorded the call ). She also told me they had problems with their billing systems which is why I never got a bill. I asked why they did not try and contact us as customers and she said it was a decision from XXXX  XXXX to let the collection agencies handle the complaints. Delivery Financial Services , LLC at XXXX is handling the issue but XXXX  XXXX and XXXX XXXX is where I had my XXXX XXXX  done So I contacted the collection agency via phone and a email to dispute this bill
Product: Mortgage

3-month forbearance granted - I vacated apt in TX and returned to property to effect repairs and finagle shelter for myself. My school shut down indef due to covid ; tenants in property both lost their jobs due to covid and I helped them by letting them out of their lease. Property highly desirable as rental - I just have to get my alternative shelter plumbed and inspected. WF promises that " we are here to help '' - but website does not offer the form they require, operator is never available, and agents ' VM boxes are all full. I am overnighting handwritten letter to WF. I will attach herein if I can.
Product: Student loan

Dear CFPB Complaint Center, I am filing this complaint regarding a serious concern about the potential unauthorized access or sharing of my sensitive student loan data. I am a borrower whose loans are managed by Aidvantage, and I believe my personal financial information may have been accessed by Elon Musk or affiliated entities without my consent.

As a student loan borrower, I expect my private information to be handled in accordance with federal laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. If any unauthorized third party, including Mr. Musk or his companies, has been granted access to my data, I request an immediate investigation and corrective action.

Issues I Am Experiencing : I am concerned that my sensitive student loan information has been improperly accessed, transferred, or shared with unauthorized entities.

I have not been provided any transparency regarding who has access to my personal loan data. 

I am unsure if my financial information has been misused or could be in the future.
Product: Debt collection

Pendrick Capital Partners II, LLC has tried getting money numerous times. It all started from an emergency bill that I waited to get and never got it because they kept sending it to an old address in XXXX from XXXX XXXX XXXX. Finally, I had received the bill months later after the incident from a creditor and paid it off immediately ( I have proof of ). Then in XXXX, I received another bill from the same creditor trying to claim I owed {$1000.00} and they dropped my credit score very low. I reported it to you guys and it came out to be fraudulent and my credit score went back to normal. I am not receiving another outstanding balance from the same creditor for {$66.00}. THIS IS FRAUD! It is already paid off and I do not understand why this creditor keeps trying to take money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$75.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXXXXXX XXXX. The current status should not be showing late because I paid it on time XXXX, XXXX and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the practices of PayPal and XXXXXXXX XXXX specifically concerning the extended hold on available credit despite timely payments. 

Despite my consistent and impeccable payment record, PayPal routinely places a hold on payments made to my PayPal credit card for up to XXXX days. This occurs almost every time I pay off the card before the end of the month, leading to thousands of dollars being withheld from my available credit for an extended period. This situation is particularly frustrating because the money is withdrawn from my XXXX XXXX account on the same day I make the payment, yet my available credit is not restored promptly. 

Attempting to resolve this issue has been a nightmare. Contacting PayPal involves navigating through an extremely frustrating voice menu, followed by interactions with an XXXX XXXX that fails to address the issue adequately. After a prolonged effort to reach a human representative, I was finally told that this delay should not be happening. However, instead of resolving the problem, the PayPal representative passed the responsibility to XXXXXXXX XXXX, which services the card. 

The experience with XXXXXXXX XXXX was equally frustrating. I was transferred to their phone line, only to face another convoluted voice menu. When I finally reached a representative, I was informed, with an air of indifference, that the up to XXXX days posting time is buried in the fine print of the terms and conditions. 

I believe these practices are unfair and detrimental to consumers. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that consumers are treated fairly and that these delays are addressed.
Product: Credit card

I am contacting your agency in hopes you can help me with some charges on my Chase Mastercard. I would like to dispute all charges made by XXXX. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized four times and was sent to several specialists and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done. I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have disputed this with Trans Union numerous times, I have a good standing credit card with XXXX. XXXX I had an issue with the amount that was reported and I asked trans union to correct it Im guessing the representative misunderstood me and they deleted the account altogether. This is a good standing account and is helping my credit drastically on all my other reports Equifax has it all correct. XXXX can verify that this card is good standing and still active but every time I call Trans Union they are refusing to put this account back on my report by them not doing this it is hurting my credit bad. Please help me fix this Ive been working on this for over a year with no progress XXXX reached out to Trans Union and they still have not fixed it. When Trans Union deleted this account it dropped my credit XXXX points I would love for these to be restored as this error was not my fault. Please help me Ive tried everything. I have attached XXXX attachments to this message XXXX attachments are from Trans Union showing where the account Was deleted and caused my credit to drop XXXX points the other XXXX attachments are from Equifax and show the credit card still being reported and in good standing.