23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have XXXX school loans with FedLoan Servicing. I was paying them with the income based repayment plan -- - in the hopes of meeting Public Service Loan Forgiveness ( though I now understand that almost never happens ). I am back in school for an XXXX while working full time as a XXXX. In this last semester of school, Spring 2019, FedLoans put me into loan deferment for school without asking or even notifying me. I did not know I was in deferment until I noticed that my loan amount wasn't deducted from my bank account. 

I have contact them to fix this in the following ways : 1. I called them and asked to get out of deferment as I never requested to be in deferment or approved that they place me on it. They told me they are allowed to do that and I can fix it by filling out a form -- which I did.

2. A couple months later, I was still in deferment. I called again. They said the form didn't go through so I need to fill it out again -- which I did.

3. A month later, I am still on deferment. I called again. They said, " I see your form here. Let me see why it has not be processed yet. '' I noted that I was filing a complaint here and they connected me to the enrollment team to " fix the problem immediately '' -- wish I knew that trick before. They have assured me that I will go back to my income driven repayment and automatic bank withdrawal and that this will not affect my PSLF qualification. 

Of note, it is difficult to access the customer service at FedLoans via phone. They do have an email address though they have never responded to an email inquiry I have sent. 

I am concerned this makes my chance of meeting the PSLF program requirements even lower than the currently cited 1 %.
Product: Debt collection

I am disputing a debt with National Credit Systems and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that National Credit Systems has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that National Credit Systems provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.
Product: Debt collection

Since XX/XX/year> Portfolio Recovery Associates LLC has been calling and sending me letters about a debt they have yet to validate. I expressed to them to stop calling my phone I had to keep blocking several numbers after repeated harassment. They kept sending me bills of said debt which they never validated, on XX/XX/year> via certified mail I asked them to send me validation that such debt belongs to me as I have had several other companies and debt collections agencies try to contact me about said same debt. Thirty ( 30 ) days later after receiving my request they never responded, but still keep calling.
Product: Credit reporting or other personal consumer reports

I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

these are unauthorized inquiries, and these transactions are not related to me : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my first complaint I asked citi bank to delete an inquiry that its on my credit report placed by them, they replied by telling me that they werent going to delete the inquiry because my information matches with what they have. I told them that I never allowed citi bank to do a hard pull on my credit report and that I need them to provide me with the permisible purpose, I want citi bank to prove to me that I initiated this application like they are claiming because they do not have my authorization to do so, citi bank doesnt have permisible purpose and according to what the law says and what the FCRA says permisible purpose is required. Citi bank and any other bank have to go by what the FCRA says, they told me on their correspondence that they feel that the application was initiated by me, I want citi bank to prove to me that it was me and not someone else, I will file complaints on every single place that I can if this inquiry is not deleted because this is erroneous reporting and I am 100 % certain that I never initiated an application with citi bank. This is not like what citi bank says, this goes the way that the FCRA says.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion shows incorrect account status, outstanding balances, no information, negative information, etc. Transunion does nothing when the incorrect information is disputed.
Product: Money transfer, virtual currency, or money service

My PayPal account got hacked on " XX/XX/year> '' when I received notifications that my account 's primary email has been changed and multiple different email addresses have been added on my account. 

And then on the same date of " XX/XX/year> '' I received further notifications that the physical address has also changed, and multiple different physical addresses has been added onto the account. 

Furthermore, on the " XX/XX/year> '' my PayPal 's account got multiple changes in the password as well. And then, 2 unauthorized transactions were completed & processed to " XXXX XXXX ''. 

I called the support and reported these unauthorised profile changes and I was being assisted got my account changes reverted back to its original form & the transactions were also being determined unauthorised & refunded me the whole amount. 

But with these whole changes, my PayPal account got permanently restricted as there were unusual account activities found. 

As of the moment, I have no access to my funds, and I have no option to refund the {$500.00} balance to " XXXX XXXX ''. 

Is it possible if someone from higher management can process the {$500.00} to " XXXX XXXX '' as I am unable to use these funds now as this payment was for a digital work that I have to provide to my client, but since I do not have the access to these funds, my client is asking for the refund. 

So I would appreciate if you can refund this amount back to " XXXX XXXX ''
Product: Student loan

Hello- I believe I am missing months of repayment that should count towards forgiveness. Could you please review the following months? XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ; XX/XX/XXXX ). 

Also, I was placed in a school deferment when I was not in school and making payments. I graduated from XXXX school XX/XX/XXXX and returned to graduate school XX/XX/XXXX. During this period of time, I was working full time ( not in school ) at a qualifying employer. My employment certification for this time was submitted and accepted. Could you please review this record to that this time can be changed and added to my PSLF counts. I am unable to retrieve information from the service because they are closed ( direct loan servicing/acs ).
Product: Debt collection

Sage capital recovery, contact me XX/XX/23 trying to collect a debt I do not owe. My personal information was misused / identity theft and I am unaware of this debt.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/year>, someone fraudulently spent {$2200.00} from my checking account with my debit card across nine transactions. I pursued a resolution with the company, which did not resolve in my favor. I have filed a report with the XXXX Police Department, which is pursuing the case and reviewing surveillance tape. I also filed a complaint with the CFPB, to which Wells Fargo responded by saying that the case was resolved against me because it originally included an addition transaction that was pending but never was posted. I was then told by the Wells Fargo representative to return to Fraud Claims to reopen the case. Frauds Claim, in turn, refused to reopen the claim. So I am being rejected from having my {$2200.00} returned to me on technical grounds and blocked from having it properly assessed and returned to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I talked to representative from XXXX  XXXX credit card company. After requesting additional information, the representative told me that the two negative reports on my credit report would be deleted. I was told after 7 to 10 business days, I would see them removed from all 3 bureaus. I was then contacted by XXXX XXXX telling me that they are conducting an investigation. This is going against the verbal contract that was made by the representative and I. I was told that they two debts would no longer be collected. I was told that I was no longer obligated to the debt. Breaking a verbal contract can be pursuide in court. I have the call recording.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the blocking of fraudulent information on my credit report pursuant to 15 U.S. Code 1681c2 ( Section 605B of the Fair Credit Reporting Act ). I am the victim of identity theft, and the following accounts appearing on my credit report were opened or reported without my authorization : Fraudulent Accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX I have attached the necessary supporting documents to this letter, including : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) through IdentityTheft.gov.

A copy of my government-issued identification ( Drivers License ).

Proof of my current address ( Utility Bill or Mortgage Statement ).

In accordance with FCRA 605B, I request that the above accounts be permanently blocked from appearing on my credit report. This action will prevent these inaccurate and fraudulent entries from negatively affecting my creditworthiness. 

Please acknowledge receipt of this letter and let me know if you require any additional information. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.
Product: Debt collection

Portfolio Recovery calls me often. They know that I am aware of my debt as I have talked to them and I make a monthly payment to them. I make my monthly payments around the same date every single month. I do not miss any of them. They still try to contact me about my debt because I am not on a payment plan. I do not wish to set up a payment plan. The reason I don't want to set a payment plan is because it requires automatic deduction out of my checking account, which an auto deduct is not a problem, but their auto deduction never pulls the money out of my account, then I have to leave my desk at work, make a phone call, cancel my plan, reset a new one, etc., etc. and this would happen every month, so, I am not going to put myself through that hassle when I can just make my payment on my own with no problems or complications. I am doing everything I can to get my debt with them paid off. They do not need to call me anymore.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Bock, INC. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take time 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

XXXXnotifed fraudulent charges on account at approximately XXXX and called WF to cancel card. Further charges were attempted later that day. 
Called XX/XX/XXXX for update-claim was denied Went to local WF on XX/XX/XXXX and claim was escalated to resolution team Called XX/XX/XXXX for update-claim continues to be denied. Requested documentation used to make this decision. 
Received documentation XX/XX/XXXX. XXXX XXXX phone was used to make charge to a bank in Florida. ( I live in NC, have a XXXX phone, and do not bank with the credit union in Florida ) The IP addresses documented do not match my phone or home computer. 

Wells Fargo continues to refuse to credit my money back despite having documentation to prove the charge was NOT authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX were advised that XXXX XXXX XXXX XXXX and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX  account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX  and with the XXXX agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and XXXX to no avail. XXXX are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the three credit bureaus, for example on XX/XX/XXXX XXXX report Data Unavailable, XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  Equifax report account on time on months XXXX, XXXX and XXXX when XXXX and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''