23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company call me and said they were going to come serve me with papers I made a payment plan with them to pay each month they take from my checking account I have noticed they are also taken another fee out with my permission, I called and they did n't call me back. They never said there was a fee each month. I never received any paperwork about our arrangement. I want them to put my fee back or I will sue them for going into my checking account and taking extra .I think it is against the law. they frighten people so much you just want to pay and get it off you back. for them to just help them self to a monthly fee its stealing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Student loan

In XXXX I received a letter from XXXX and they said that I could pay a lesser amount per month than XXXX was offering and my payments would stay in good standing with XXXX and the money, which is XXXX per month, would go towards my student loan balance when this deferment time period was up. they also told me that I would be eligible for XXXX XXXX XXXX at that time and could possible have my loans paid off. I started receiving papers from XXXX, which is my loan servicer, about renewing my temporary hardship paperwork and I asked them if my record of payments being made to NationalStudentLoans.us via Equitable Acceptance of the XXXX/month was showing paid to them. This is not the case at all. I confirmed with a XXXX rep on XX/XX/XXXX that this loan company is a scam and that I have been basically paying them for my temporary hardship/forbearance when XXXX already has me on one and I just need to renew it and its a free service. XXXX has no record of payments and I have been paying this company since XX/XX/XXXX and its basically a credit line that I have nothing show for, no merchandise purchased, no card, and no payment reporting to XXXX. If I had known that I would be paying this company for nothing common sense would have told anyone that it is a bad deal but instead I was lead to believe this would benefit me in the long run with the status of my student loans and balance. Now this fraud and scam based company has all my info which is truly worrisome. I have a folder full ofdocuments ( too much to upload but can fax any necessary papers ) including individual names of correspondents and up to date account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX Account number XXXX Closed Date opened XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/2019 I sent a letter ( attached ) to credit control via USPS certifeid mail, which was received by them revoking consent to be contacted by telephone. Despite sending my revocation of consent to be contacted by telephone Credit Control LLC contacted me on my cell phone on XX/XX/2019 and on XX/XX/2019. This is a violation of the Fair Debt Collections Practices Act and is total harassment. I am requesting that Credit Control have their counsel contact my counsel to resolve the matter.
Product: Credit reporting or other personal consumer reports

My Old room mate used my info to open accounts without my permission. I need these accounts to be removed from my report asap. This is causing me major XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting denied for a rental property since XX/XX/XXXX, which made me look into my credit report where I found several inaccuracies and FCRA violations. 

I have been going back and forth with Transunion since XXXX XXXX. It is now XX/XX/XXXX and my situation still has not been resolved. I have repeatedly asked for evidence supporting their reporting -- four times to be exact. They have failed to provide me a copy of ay viable evidence submitted by the creditor substantiating their claims. I've also requested their method of verification and Transunion still has not complied, which is an additional violation of the FCRA 611 ( a ) ( 7 ).

At this point, I believe that Transunion is acting in bad faith and have not complied with the FCRA at all, which now I am prepared to file a lawsuit in the small claims court. Their inaccurate and unverifiable reporting was the cause of my family and I becoming homeless. If not removed, I will be seeking damages. This has been traumatic.
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: Money transfer, virtual currency, or money service

Could not speak with actual costumer service representative
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, via a debt validation letter sent by first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I requested validation XXXX XXXX XXXX Solutions of a debt/collection that was reported to my XXXX and TransUnion XXXX. In addition, I then sent copy of the same debt validation letter to both XXXX and TransUnion on XX/XX/XXXX via XXXX first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to notify them of my request to the collector to validate the debt. After XXXX, and still to-date, I never received confirmed validation of the debt from XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, thus, removed the collection from my credit report. However, TransUnion has still yet to do so.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make pa
yments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I made a payment of {$590.00} on XX/XX/year>, but it was returned because I sold my vehicle on XX/XX/year>. The full balance of {$20000.00} was paid off shortly after. XXXX XXXX XXXX is stating that they did not receive the final payoff check until XX/XX/year>, and as a result, they are marking me as 30 days late on my credit report and have not reported that the Vehichle is paid in full when they already have received payment amount in full. 

However, this is inaccurate because : 1. I no longer had possession of the vehicle after XX/XX/year>. 
2. The delay in processing the final payment was on XXXX end, not mine. 
3. I acted in good faith to ensure my loan was paid off in full. 

Despite contacting XXXX XXXX XXXX, they refuse to remove the incorrect late payment. This has negatively impacted my credit score, and I am requesting that the CFPB investigate and have XXXX correct the reporting error.
Product: Credit reporting or other personal consumer reports

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. XXXX XXXX XXXX XXXX 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 initiated a transfer of {$270.00} worth of Bitcoin on XX/XX/XXXX that was supposed to post to my bank account on XX/XX/XXXX. The Bitcoin was immediately deducted from my account. After waiting a few additional days for the money to be deposited, I submitted a support ticket with Coinbase on XX/XX/XXXX to no response. I reached out to them on XXXX on XX/XX/XXXX and also received no response.
Product: Payday loan

I was offered a loan of {$800.00} by Big Picture Loans. I called and inquired and was told by the representative that the finance charge was {$280.00}. I even clarified with the representative that was the total amount of finance charges that I would see. Since taking this loan they have taken out 2 payments of {$280.00} within a 2 week timeframe and NO money has been applied to the loan balance. So they are basically charging me {$560.00} interest monthly for an {$800.00} and I was not made aware of these charges. I did n't receive the TIL until the loan was already processed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I have been back and forth with no resolution seen XXXX of XXXX, request TransUnion to make sure my information was correct with the following account. The stated it was and still missing data and information that still being reported incorrectly the following XXXX XXXX XXXX XXXX account keeps being charge off every month to my account incorrectly. Charge off account date is incorrect and missing payments from XX/XX/XXXX, charge off date is incorrect. I request in the past to have my account updated and you have not updated my account correctly or provided me with additional information actual proof of charge off amount and or updated me on missing payment not showing on my account. I request that you remove this account from my account.
Product: Student loan

In XXXX I applied for borrowers defense. In XXXX I was approved. I received several emails stating my federal loans would be discharged and all payments made would be refunded. At XXXX the email stated all would take place by fall XXXX. Then it was XX/XX/XXXX, then XX/XX/XXXX. Finally XXXX loan was discharged XX/XX/XXXX, the other XX/XX/XXXX. I was told the refunds would take up to 90 days to be received. Its been well over 90 days with multiple calls, emails, escalations, calls to management, and accounting to no ETA when the refunds would be processed.
Product: Credit reporting or other personal consumer reports

I am being limited in life by collection agencies that continue to contact me, despite my request for them to cease communication as allowed under the Fair Debt Collection Practices Act. They refuse to send any validation of debt.
Product: Credit reporting or other personal consumer reports

My Identity was compromise a year ago and more than XXXX reporting agencies who was not authorize appeared on my credit report. I need supporting documentation including signature that I authorize to pull my credit.
Product: Debt or credit management

XXXX XXXX refuses to stop taking money from my checking g account. I have fired the company that was suppose to be helping me with my debts. I have told them multiple times to stop and stay out of my checking account and they continue to withdrawal money. I need help to stop them. 
Thank you XXXX XXXX
Product: Credit card

I am writing in regards to a denial, I believe was a mistake. When I signed application for services I became an investor into your corporation where you then transferred my note/security/receivable into synchrony card funding LLC, immediately after transferred to synchrony card issuance trust, thus gaining interest once transferred into the primary market until maturity. The principal amount is owed to me and should be deposited into my TDA where it then becomes a Savings Bonds. I've thoroughly reviewed your terms and conditions AGAIN after receiving denial letter and there is no evidence or full disclosure backing your reasons for denial. What I found more interesting is on the denial letter it states ''the credit score may differ from the score you obtain from a consuming reporting agency '', so how was a decision made based off an inaccurate credit score? In accordance to your Indenture Trustee Agreement Section 2.06 ( Exchange and Registration of Transfer of Securities. Securities of any series may be exchanged for a like aggregate principal amount of Securities of the same series of other authorized denominations ). Denial letter attached is proof of securities fraud and you are not performing or upholding your duties as agreed upon. I am requesting that my no preset limit XXXX XXXX XXXX be mailed to address registered, I will then use my interest coupon dividends each month to satisfy payment on account. FAILURE TO COMPLY I WILL BE FORCED TO REPORT YOUR WRONGFUL USE OF SECURITIES TO THE IRS AND ALL OTHER APPROPRIATE OFFICIALS. I have uploaded denial letter and terms and conditions, so that maybe I can receive a clearer understanding of how and where the reasons for denial came into play.
Product: Checking or savings account

Hello, this XXXX XXXX My chase business banking lock, it say closed. I want to know when. I want to know the strtament How much.
Product: Credit reporting or other personal consumer reports

Im writing to file a complaint about inaccurate items on my Experian credit report that continue to harm my credit, despite my attempts to resolve them directly. Experian has failed to remove or correct this information and has not provided proper dispute results. I have attempted to dispute the information but Experian has responded stating that the information is verified despite me requesting the method to no avail. 

I recently learned the CFPB has filed a lawsuit against Experian for accepting unreliable information and failing to address consumer disputesthis aligns with my experience. By refusing to act, Experian is violating my rights as a consumer and federal laws. 

I request an immediate investigation and the removal of these inaccurate 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  Act. # XXXX, XXXX  Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX 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
Product: Checking or savings account

On XX/XX/23 at XXXX, Chase emailed me saying that my credit card was added to an XXXX XXXX XXXX. I do not use XXXX XXXX and did not lose my credit card. They sent another email saying my card was used in " XXXX XXXX '' for {$970.00} at XXXX. I have my own house that is fully paid off. I would not be in a luxury apartment building. I got another email saying Chase canceled an unauthorized XXXX payment to someone I do not know at XXXX. Another XXXX payment was canceled to a different person at XXXX. All throughout this time, Chase locked me out of my online banking. The next morning, XX/XX/23, I go to recharge my prepaid SIM card for my phone and I am told that my number has been stolen. On XX/XX/23 at XXXX, another XXXX payment was canceled to the same person from the previous night. I go to my local Chase branch and I find out about the following unauthorized transactions : 1. Savings account transfer to my checking account = {$3000.00} 2. Daughter 's college checking account to my checking account = {$1800.00} 3. Unauthorized XXXX payments = {$1500.00} 4. " Memo POS DEBIT IN *P '' = {$8400.00} I filed a claim with Chase XXXX XX/XX/23 from around XXXX. I have also closed my checking account, savings account, and daughter 's college checking account since then. The bank teller told me they would send a check in 2 weeks or give me a letter following up with my claim. On XX/XX/23 at around XXXX, I went to the XXXX and filed a police report. I got assigned to the local detective. On XX/XX/23, I submitted the police report to Chase. On XX/XX/23, Chase sends me an email crediting {$1500.00} to me because they agreed the transaction was unauthorized. I did not even receive a check for this, how are they crediting this to my account? I have emails from the post office that tracks all my incoming mail to further back this. Even so, I am still missing my {$8400.00}. I went to the bank today XX/XX/23 to follow up because I have not heard anything from them. They said I never filed a police report or it's not in their records. They also said that they rejected my claims and are closing my report because the transactions seemed normal?! They drained my entire bank account for the first time in the XXXX decades I've had Chase and said that this type of activity was normal. They would not let me know where the transactions were made, who they were paid to, etc.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

on XX/XX/21 i was making a deposit thru the atm upon me depositing check atm powered off the atm keep my debit card and didnt make the deposit but kept the check I went inside branch to summit claim # XXXX i was told i was going to get a provisional credit in the amount of XXXX the following business day. on XX/XX/21 i made another deposit for a check endorse over to me for XXXX now my account froze XXXX
Product: Student loan

XXXX months ago, in XX/XX/XXXX, I paid off all of my student loans to Mohela. There were XXXX loans. For each of these I paid the amount owed, as calculated by Mohela. I then received " Paid in Full '' letters for each of these loans. At the time, I felt that I had finally put these loans behind me. 

However, 6 months later, in XX/XX/XXXX, Mohela re-opened one of my loans stating that I still owed nearly a XXXX dollars on one of my loans, despite the fact that I had a " Paid in full '' letter from them for that very loan. 

I called them several times, always being put on hold for long intervals, leading to phone calls over an hour long. I asked them why and how this had occurred and they could not give me an answer and didn't understand it themself. They eventually said they'd escalate the issue and call me back within three days. They ended up not calling me back for two weeks, at which point I called them back myself. 

I was escalated to a supervisor who said they themselves would have to escalate to accounting, since they didn't have any explanation either. What transpired was a Kafka-esque game of telephone where I asked questions to the Supervisor, who had no answers, who then in real-time relayed them to someone in accounting, who gave them non-committal non-answers that only amounted to " This is the amount you owe, and we don't know why we ever told you otherwise or why it took us 6 months to come to this conclusion ''. They also would not answer me on whether or not their " Paid in full '' letters were legally binding. 

I asked how I was supposed to know that this would be the true correct amount that I owe, or that I would be totally paid in full, if neither the amount owed they report nor their official correspondence they provide could be considered accurate or binding. They still had no answers. 

To be frank, this is unacceptable, and an absolute shame that something as simple as calculating amounts owed, collecting payments, and answering simple questions could be so atrocious. Mohela is at the very least decrepit and inept, I suspect it could be intentional, as providing correctly functioning systems costs money, which they would prefer to pocket. It's awful and insulting. It's also awful and insulting the the US government chose this embarrassment of a company to handle something so important.