23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to XXXX, I wrote to XXXX on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to TransUnion. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from TransUnion explaining their investigation procedure. On XX/XX/XXXX XXXX   informed me that the information I disputed had been updated. And XXXX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I  wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote TransUnion, XXXX, AND XXXX THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Product: Student loan

I made a loan payment of {$800.00} to FedLoan servicing on XX/XX/2022. This payment has been " processing '' since then and my loan servicer is now another provider ( XXXX XXXX I have tried calling and emailing FedLoan and can not get ahold of an agent.
Product: Student loan

I have a XXXX and an XXXX, and I have accumulated about {$150000.00} in federal and private student loans, of which {$45000.00} in private student loans have become a big problem to repay. I am unemployed and have very minimal income. I have exhausted my deferment, and I was refused to get on the income-based repayment plan or MGRS- modified graduated repayment schedule. 

My servicer is XXXX and the holder of my student loans is Access Group. Both refused to provide me with an income-based repayment plan, and here is why- I was on the income-based repayment plan but still had a hard time making payments. XXXX ' representative offered me a deferment for three months ( which would exhaust my deferment ) and then get back on MGRS. My three-month-deferment just ended. To my surprise, following the deferment period, XXXX advised me that the MGRS is not an option for me anymore because I can not go on and off it, and there is no other repayment option. 

Had XXXX associates been properly trained and provided accurate student loan advice to me in the first instance, I certainly would not have canceled the MGRS just for 3 months. I would have stayed on the MGRS. Clearly, my choices have been made based on false information provided to me by their servicing center. 

Now, I am without income and in a worse repayment position than I was prior to deferment. It seems nonsensical to me that I can not use an income-based repayment plan. I do not believe that XXXX and Access Group are providing me with accurate information. 

Please help me get back on the income-based repayment plan. 

Thank you, 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 violates the Cumsumer Financial Protection Act. 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 and Regulation E. These actions have cause significant loss and I seek appropriate redress for these violations.
Product: Debt collection

AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amt {$310.00}
Product: Money transfer, virtual currency, or money service

Received a flyer that I am eligible for a Loan Consolidation, when I went and applied on line I was advised that I needed to speak with a rep. I called in, and found out sorry you do not qualify, but we can get you into a program with Freedom Debt Relief ( Bait and Switch ). Read about others on the XXXX  page that they also had this same situation. Worked out most of the credit card accounts, fees are really high. In the end probably paying the same amount in debt, not much of a savings. The real issues come into play, when someone tries to sue you ; I was assured that someone would be there to help me, we help you get a legal team in place for this. Really they are not there for me, they may claim it is NOT their legal team, but in reality you can not ever speak to the lawyers, you have to do all the work, I had to call and write to the courts to stop the lawsuit. The first time, I was told, that my account was about {$100.00} short and the attorneys would not touch it. I jumped and put the full extra amount requested, then a few weeks later I get another letter that they had not heard from me and proceeding to sue me, I received a court summons, I called very upset, they said I needed to respond, and that the needed almost {$600.00} more added to the account, I borrowed it, them I once had to deal with it. Them I get a letter that the attorney never heard back from me, and the attorney was requesting the judge hold me in contempt and rule in their favor, when I called in very upset I was told I needed another almost $ XXXX. Which I am on a payment plan of an additional {$800.00} per month. Now I received a letter from the attorney looking to settle directly with my NOT FREEDOM DEBT RELIEF, whom I have sent all this money too. I had previously sent a CFPB complaint, halfway though this situation, BUT IT HAS GOTTEN WORSE, I had someone try to contact me 1 DAY, when I sent him back an email when I was available, he said he was not available at that time. When I tried to call him on the phone number he left, both XXXX and XXXX said that those were invalid numbers.
Product: Mortgage

I've had to register accounts at least 2 times, I can't reset my password. I'm getting reset passwords but Loan Cares website isn't recognizing credentials. I've talked to a rep a few weeks ago and still can't log in to make my payment. If you call XXXX You are also getting messages about payments being delayed through mail creating late payments. This company should be investigated. I'm a loan officer myself who refinances loans and have received several calls from borrowers in this company in particular, not paying taxes and insurance escrow on time putting borrower in bad positions with their payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to dispute certain information that appears on my credit report. The disputed items are : XXXX - XXXX XXXX XXXX XXXX XXXX I have disputed these items with you and you have notified me on your website that you had started your investigation on XX/XX/2022 and I have yet to receive a response from you. It has been over 30 days since the start of your investigation. According to the Fair Credit Reporting Act ( FCRA Section 611 ( a ) ( 1 ) ( A ) ), credit bureaus are required to investigate disputes within 30 days of receiving them. As you have failed to respond within that time frame, you are required to delete the disputed information from my credit report.

I request that you delete these items from my credit report immediately, and send me a copy of my updated credit report. Please also notify any creditor or information provider that these items have been deleted from my credit report. If you have any questions or need any additional information from me, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

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

This is my 14th 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 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 or other personal consumer reports

This is my repeated 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX* Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX  Account XXXX : XXXX
Product: Credit card or prepaid card

I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 

Each fraudulent act has been reported to the XXXX as a complaint against all rogue actors as well
Product: Credit card

Hello, I purchased tickets from XXXX directly using my Bank of america Credit card. The ticket fares displayed on the portal were in XXXX currency. When I am reviewing my statement it shows entry related to the ticket fare along with that additional charges related to foreign transaction fee. 
below are details. 

Total cost of ticket XXXX $ and foreign transaction fee of XXXX XXXX 
I spoke to XXXX and they say we dont charge any additional fee and that we have received XXXX from my card company. 
I fail to understand that if the ticket price were dispayed in XXXX by the airline company, I used my XXXX credit card to make the payment why should it attract any foreign transaction fee. 

thanks, 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 violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 this violation.
Product: Credit card or prepaid card

Please reference CFPB Case : XXXX for prior details. 
& Goldman Sachs case : XXXX XX/XX/XXXX XX/XX/XXXX : After promises by Goldman Sachs, numerous times as for an explanation into the closure of my Apple Card account, no explanation, documents, emails or any other forms of communication besides a notice they would be sent has been made. Goldman Sachs has still proven they are unable to procure these documents. I believe the closure was by mistake and theyre unable to prove it was purposeful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
Product: Credit card or prepaid card

on XX/XX/XXXX there were 3 fraud transactions in my credit card for {$30.00} and {$30.00}. I requested an investigation since these and prior charges were not done by me. I provided evidence the charges were not done by me. While 53rd bank conducted an investigation i continued to get charged fees and late fees on the balance of the account in dispute. XXXX  was afraid these charges were going to escalate so I paid off the entire balance on this credit card while they took their time to resolve the dispute on and on XX/XX/XXXX I requested the card be closed after I paid off the balance to XXXX. and waited to get my refund for the fraud charges. I had to continued to dispute and follow up with the banker at the branch and after so many attempts to talk to the fraud department I have no refund for the fraud charges I paid directly to the credit card from my checking account. Finally on XX/XX/XXXX I received notification that the XXXX and XXXX were credit back to my credit card which was closed on XXXX. When I called dispute depatment I was told i would get a cashiers check XXXX to XXXX business days and I waited XXXX weeks before following up with the banker to make the call for me since I lost confidence in my abilitiy to get help on my own with dispute dept : case number XXXX another case # XXXX. The banker at the local branch was also told the cashiers check was denied without any explanation and the dispute department hung up on him 2 times with me in the office. I dont have access to this credit since the the account is closed. i need my money. please help me.
Product: Bank account or service

My rent check ( {$1000.00} ) was bounced for insufficient funds in my Bank of America bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Bank of America Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees.
Product: Mortgage

Due to covid i went into forbearance i ask for help with a modification which I was told by a home point financial advisor that it would be a better option..at the time there was a streamline option that didn't require paper work. It would allow to put the past due amount in the rear of my loan continue with regular payment and same interest rate 2.9percnt ..i went with a modification that was approved at XXXX per month 3.5percent interest rate. Which is not at my best interest. Home point financial states that the VA decided my interest rate which is not the current rate is a much higher one..now my other options are closed by home point financial and i have to accept this modification or risk losing my home
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX - AUTO FINANCE Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report the date my loan was issued on an incorrect date, the loan was issued 30 days after the designated date and my first payment was deducted on the same day the loan was issued.
Product: Credit card

I believe the account is invalid. MILITARYSTAR needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records.MILITARYSTAR XXXX
Product: Credit reporting or other personal consumer reports

I've tried contacting CBNA, Wayfair, as well as Citi Bank concerning their fraudulent reporting they've been placing on my credit report. I've called and disputed this since XX/XX/2023 to no available helps, no agent has been able to even confirm the account. According to their reporting to XXXX, they are making claims to have confirmed the accuracy while indeed it is fraud. I don't nor have I ever held an account or authorized use with Citi Bank, Wayfair, or CBNA or authorized the use of my information as a co-signer/authorized user. It's been incredibly frustrating getting this removed from my credit report and to keep my score from dropping. The card number provided by CBNA via mailed letter, has not been able to be located nor my information as a whole. The company has sent a letter but the contact number listed, they have said there is no account with my information. Incredibly confusing, enraging, and frustrating to say the least. I do not live in the state in which the account was opened. I did not authorize my information to be used. The company was not able to locate the account number sent via mail and multiple employees as well as managers on a recorded line are saying the account doesn't exist yet it is on my credit report and causing my score to drop in large numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact on my credit report