23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is a continuation of the complaint i have already made through the CFPB - case number XXXX I contacted XXXX from Fedloan XXXX as she was assigned to my case after submitting a formal complaint to the US department of education. She is in charge of obtaining my promissory note and reviewing my interest rates as I have received previous documentation stating my interest rate was higher then the fixed amount. I sent her an email requesting to have a discussion regarding my repayment terms now that they have been changed to 120 months- to find out what my payments would be, how much my loan amount would be reduced etc. 
She called me on XX/XX/XXXX I informed her of the response I received from the CFPB regarding change in payment terms. She stated that typically the 120 months would start in XX/XX/XXXX, stating that my previous XXXX years of payments under the standard repayment plan ( I have paid several hundred dollars more then the actual amount in an attempt to pay it off faster ) would not go towards the 120 months. I questioned her on this because this was FRAUDULENT behavior on the part of Fedloan. My terms from the beginning should have been 120 months ( per US department of education guidelines which they state they follow ). 
Now that I caught them and made the formal complaint I CAN NOW RECEIVE THE CORRECT TERMS??? If that is the case FEDLOAN is continuing to DEFRAUD ME. She then informed me that my loan accrues {$15.00} in interest per day, approximately {$480.00} a month- approximately {$5700.00} a year. THIS IS COMPLETELY INCORRECT. My XXXX XXXX states my student loan interest received by lender is {$10000.00} over the past year. If FEDLOAN doesn't credit me for the months I have paid ( started paying my loan XX/XX/XXXX under the standard repayment plan ) which is XXXX years of payments they are now defrauding me of approximately {$27000.00} or MORE. 

Yesterday- XX/XX/XXXX I received my new repayment terms and they were 120 months starting XX/XX/XXXX. I refuse to allow Fedloan to continue to act in corrupt ways and take advantage of me which is why I decided to submit another formal complaint.
Product: Mortgage

I purchased my home mortgage originally through XXXX XXXX XXXX # XXXX for {$1300.00} monthly. they have since sold my loan to Mr. cooper loan number # XXXX when speaking to Mr. cooper they insured me my loan has been transferred to them and everything would be the same, I informed them that i had automatic payments set up they said it will still come out automatic. when I viewed my account Mr. Cooper had took {$1600.00} when i contacted Mr. cooper the gave me no explanation to why they took the amount no analysis had been ran, no changes nor did i agree to anything. I did not argee to transferring from my Leander but was told it was at will and i had no control over it being sold. I offered them my original documents signed at closing of what my amount should be and asked to speak to a manager and was told they would call me back i asked more then once to speak to a manager no one has yet to call me back or correct the problem. i was last told to XXXX XXXX XXXX i asked why wouldn't they call XXXX XXXX if they are saying they didn't get everything from XXXX XXXX. I was told because they are a third party. XXXX XXXX no longer acknowledge my account number or have me in there system. I want to problem to be corrected back to my mortgage amount of {$1300.00} and report Mr. Cooper for predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the following complaint was sent to the CFPB : " At some point in XX/XX/year>, someone stole my XXXX  XXXX XXXX XXXX credit card number and made a number of fraudulent purchases, including Experian credit monitoring. This was reported as fraud. The same fraudulent charge showed up on XX/XX/year>. This was reported as fraud. The fraud has since been repeated on XX/XX/year> and XX/XX/year> - and has been reported as fraud to XXXX  XXXX XXXX. I've attached the receipt for the fraudulent service- notably, I'm not the person receiving it! '' On XX/XX/XXXX, I looked at my BofA credit card account and saw the same fraudulent charge for {$24.00}. Experian has done nothing to stop this fraud. Experian has failed to investigate the problem. I've had my credit card replaced twice and they still keep illegally charging me. I've tried calling them and get a useless XXXX XXXX. When I reach a human, they keep transferring me back and forth between " membership '' and " fraud '' call centers. Neither is helping. This is completely insane. 

Here is the fraudster 's information so you all can look this up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Discover Bank is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

I do not owe the amount TeleRecovery is trying to collect on behalf of XXXX XXXX XXXX. My lease was up XX/XX/XXXX-- I moved in on XX/XX/XXXX, moved out on XX/XX/XXXXdue to circumstances beyond my control ( I LOST MY JOB ) ... So if I moved out with 1 month remaining, how do I owe {$2.00}? No where in the contract/lease does it state " if lease is broken you are still responsible to pay '' send me proof of that. I am also requesting proper verification and breakdown of this you are claiming that I owe, a bunch of numbers scribbled on paper is not a breakdown of charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report.

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report. 
On XX/XX/XXXX, PARAMOUNT CAPITAL GROUP add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.
Product: Mortgage

My mortgage is serviced by Regions Mortgage. I have paper delivery of documents. Regions will not let me see any of my mortgage statements including Tax documents or documents I previously had access to without canceling my paper statements. This is a relatively new change that I was not warned of or given an opportunity to opt out of. Even if I elect to forfeit paper documents I have to wait to see existing documents online. I feel like Regions Mortgage is holding me hostage. I am unable to file taxes without the information they will not let me see.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 proce 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: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX  ( the Company ) which involved me making deposits for a total amount of XXXX USD my Chase Bank account to a fraudulent investment
Product: Debt collection

I currently have a active garnishment on my paycheck and was notified by Portfolio Recovery Associates that there is no active garnishments at this time in their latest response but yet my check keeps getting deducted. Id like to get to the bottom of this.
Product: Checking or savings account

I needed to open a account for direct deposit, was unable to as I had no previous account. My daughter had a account with Zions bank which I was able to use to get history, so I was able to open my own account apx. 6 months later at that time, I was to be taken off of her account, we never followed up to make sure it was done. I am not sure when this all transpired as it has been a long time ago. My daughter lost her income and was not able to keep that account, which put it in default. She closed it and filed bankruptcy and the account was included in it, and the bankruptcy was dismissed on XXXX. Jump to XXXX of XXXX I was called as to what I was going to do about this account. The gentleman was very rude in his conversation as I told him it was done through the bankruptcy, that I had nothing to do with that account and since no one disputed the judgment, it was taken care of. Now that I will not talk to him about this, he will reverse my payments that I make and put the money back in my account, if I do n't keep on top of it, my payment will not be made, which could cost me my job as one of the payments he reversed was for my phone, if I do n't have a phone I do n't have a job, company policy. But it could create a lot more issues with my credit. I 've tried to talk with him but the last time, words were said on both sides, and I do n't see any resolution with speaking with him, and my bank said to contact you with regards to this matter, I thank you for your time XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested a forebearance on my mortgage due to my roommate losing her job due to covid19, but they only offered me one option- pay three months of deferred payments in a balloon payment in XXXX. My roommate is in the XXXX industry, is a XXXX, and her employer closed when XXXX XXXX instituted shelter in place orders. She normally pays rent which allows me to cover the mortgage, but since the mandatory closures- no rent. I can not pay a balloon payment and wish to have the missed payments attached to the end of the loan. I thought that is what the law says. Please help!
Product: Mortgage

My mortgage was transferred between 2 servicers. XXXX/themoneysource sold our loan to XXXX. 

XXXX and monthly payment collections during the process was very unclear. Correspondence from XXXX/TMS specified a XX/XX/21 effective date. XXXX specified a XX/XX/21 effective date. Both servicers required a XXXX payment. 

I want my second XXXX payment back and I want these companies to substantially improve their communication.
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX
Product: Checking or savings account

We have a business checking account at Bank of Oklahoma under the name XXXXXXXX XXXX XXXX  XXXX. We have been a customer since XX/XX/XXXX and have had a average balance of over {$800000.00} this year. XX/XX/XXXX I was doing bank reconciliations for quarterly financials and I noticed that the bank processed 6 checks written on XX/XX/XXXX that were fake. Completely different check stock, different company name, different signature, only the bank account numbers were the same. The original checks written to those check numbers were cashed by the correct people. Not sure how they got our account number. I went to Bank of Oklahoma but they were closed and told me to come back on Monday. We talked to multiple people at the bank and they said there was nothing they can do. The 6 checks totaled {$19000.00}. I have filed a police report, but they said it was mobile deposits and out of XXXX XXXX 's jurisdiction and there was nothing they can do. We had our attorneys contact the legal department at Bank of Oklahoma and BOK again said they would not reimburse any of the fraudulently cashed checks. I have copies of the fraudulent checks, police report and communications from our attorneys and BOK 's legal department. Please help, the lack of help from BOK has been shocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove these inaccurate items from my credit report. These items have kept me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife, XXXX XXXX XXXX, was unable to obtain a copy of her free credit report online through annualcreditreport.com She was then instructed to call in to obtain a copy of her free credit report. As of today she has not received her Transunion credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platforms oversight and consumer protection practices.

As a frequent user of Zelle, I have encountered discrepancies in transactions that I reported to both my financial institution and Zelle. However, my claims were not adequately investigated. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. This lack of due diligence is deeply concerning, as it leaves consumers vulnerable to fraudulent activity with little to no recourse. 

The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system. The platforms lack of accountability and transparency raises serious concerns about consumer safety and the effectiveness of its fraud prevention measures. It is unacceptable that a widely used financial service does not take more proactive steps to safeguard its users. 

I urge Zelle and the financial institutions facilitating its transactions to take immediate action to address these issues. Stronger consumer protections, clearer dispute resolution procedures, and increased transparency in transaction tracking are necessary to restore trust and ensure users are not left vulnerable to financial harm. 

I appreciate your attention to this matter and look forward to any steps that may be taken to rectify these concerns.
Product: Credit reporting or other personal consumer reports

My identity was stolen, along with taking money from my bank account multiple inquiries were ran on my credit. 

XXXX XXXX XXXX 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>
Product: Credit card or prepaid card

I spoke w ith 3 supervisors at Captial One,  on  XXXX / XXXX / 17  ; regarding an Annual Membership Fee of {$59.00} I was charged, on  XXXX / XXXX / 17 . My concern was this charge should not have been applied to my card and must be an error, reason being my credit cards with Capital One have all been upgraded and do n't have a membership fee associated with them. The supervisors would not assist me with the fee but rather told me the only way around this fee was to close the account. Or wait until there is an offer available to upgrade my card, to a card that does not have a membership fee. Capital One is forcing fees on consumers and trapping them in credit cards, knowing ; educated consumers will not irrationally close their credit card accounts without such actions affecting the ir credit score .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

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

credit report showed that I opened an account with TDBANK/TARGET credit card, I never did that. They had my email and home address but different driver license.
Product: Debt collection

I have reached out to Credence Resource Manage because i noticed it was a charge on my credit I have no clue who these people are I asked for a list of documents .contract with my name and signature .full payment history .Name/Address of original creditor .Proof of ownership of debt I was told they don't have ownership they was collecting for someone else without sending me a notice or verifying proper documentation the supervisor verbally said they don't have ownership of this and the information was never sent out properly so I asked for it to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Product: Credit reporting or other personal consumer reports

Ive contacted company and passed landlord they told me I didnt owe the balance that was stated. The company told me landlord was to NOT communicate with me did not provide proof on how they received my information. Last time Ive contacted them they removed report but will occasionally readd my information to reports without my consent or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I found that the Transition system glitch affected my inquiries on my credit report. I was notified with the 5-day legal notice. I then contacted Transunion and they would not honor my request.