23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Within the realms of the Public Service Loan Forgiveness program, it was expanded to include different options to help people in Public Service have loans forgiven. Once a loan has received XXXX payments then that loan is forgiven. One of new options of the program, is the ability to consolidate new ( er ) loans with older loans. Once these loans are consolidated, the new loans will have the same payment counts as the old loans. 

I am currently in school and am scheduled to graduate in XXXX ( 2022 ). I have student loans that go back to XXXX obviously have a high payment count. My plan was to consolidate my loans upon graduation with my older loans to take advantage of the new rules in place. This would bring up my new loan payment counts current with my old loan payment counts. 

I called FedLoan on XXXX XXXX to discuss this matter as well as others. I expressed my concern about the older loans being forgiven and how I didn't want that to occur. They noted my concern. 

I called FedLoan on XXXX XXXX to express this concern specifically and to ensure that the forgiveness didn't happen to my older loans. Further, I asked what could be done to prevent this. A " case file '' was going to be opened and I was told that I would be contacted within 24-48 business hours. 

XX/XX/XXXX, those older loans, the ones that I specifically asked not to be forgiven and what steps I need to take to prevent them being forgiven were .... Forgiven. 
I called FedLoan Ombudsman immediately upon finding this out to complain and see what my options were. He ( the guy I talked to was named XXXX XXXX stated that he would send his supervisor an email to see what my options were. XXXX stated that he would return my call ASAP and I never heard back from him. 
XX/XX/XXXX - XXXX called back immediately, and ironically talked to XXXX again. He stated that he sent the complaint up to his supervisor, and read me the response. The response indicated that the loans probably couldn't be reinstated, but they still have a balance on them. He said I could continue to escalate the issue if I wanted. I did, and he was going to transfer me to his superiors. He was unable to transfer me because no one was answering when he tried to transfer me over. He then gave me an extension and told me to call the main line, which I tried- but is notorious for long waits. In the past I've waited 3 hours on hold and never got through. I hung up after 40 minutes this AM. 

Side note - I also asked for a copy of the email that was sent from XXXX to his supervisor and the response that was sent back to XXXX. I was told that I couldn't have a copy of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

per attached creditor is reporting incorrect account status, payment status, balance and past due amount. It seems to be a game of destruction and irresponsibility to ruin and defame those whom demand correct reporting. XXXX blames USAA and USAA blames XXXX. Both should be shamed ... as none of the information reported is correct. This loan was paid in full nearing five ( 5 ) years prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.
Product: Credit reporting or other personal consumer reports

I have 4 inquiries on my credit profile that i did not authorized. Named as follow : 1. ) XXXX XXXX 2. ) Capital One bank XXXX XXXX 3. ) Capital One XX/XX/2023 4. ) XXXX XX/XX/2023 I have already contacted all 3 credit bureaus about this matter. XXXX and XXXX said that they could not assist me. Stated that I had to contact the original creditor which i already did to no avail.
Product: Checking or savings account

On XX/XX/2023 I filed a dispute with Bank of America in the amount of {$400.00} for a charge that I made with my Bank of America debit card ( ending in XXXX ) to a merchant ( XXXX XXXX ) for goods and services that have not been delivered or performed. I have followed the guidelines provided by the Consumer Financial Protection Bureau, Federal Trade Commission and the State of Georgia Attorney General 's office of Consumer Affairs in their guidelines to attempt to recoup the {$400.00} paid to the merchant which includes : 1. a failed attempted negotiation with the merchant for recoup of funds or delivery of the goods ; 2. disputing the {$400.00} transaction with my bank , Bank of America . However, as of the date of this complaint I have ye
t to receive a satisfactory result which would be Bank of America supporting my dispute and restoring the {$400.00} funds to my account. I am disappointed and dismayed at the lack of action on the part of Bank of America in support of me as their consumer, especially in light of the deceptive consumer practices recently attributed to Bank of America. I would think that BoA would want to restore the trust of consumers rather than further eroding that trust. I am respectfully requesting that the {$400.00} be restored to me, forthwith. I have provided and proven to Bank of America that the merchant failed to satisfy the terms for this transaction. In addition, BoA has placed the burden of proof on me as their customer, when instead it should have been the merchant providing proof of the satisfaction and delivery of these goods and services that I paid for, which the merchant can not, and will not, be able to show. If the {$400.00} is not restored to my Bank of America account, I will be withdrawing the remainder of my funds and taking my banking business elsewhere.
Product: Vehicle loan or lease

On XX/XX/XXXX I finance a vehicle from XXXX XXXX XXXX in XXXXXXXX XXXX I began receiving warning lights and service concerns immediately they had Promised if I Returned within 72 hours they would either give me back my {$2000.00} down payment or they would get me in a different vehicle when I return within the time frame.they ran my credit again and tried to add the car I just bought onto another loan which I would be upside down and ran my report through XXXX more loan companies dropping my score XXXX points I spoke to Consumer Portfolio Dealer Compliance they said they would be happy to get me in another vehicle the dealership didnt assist as promised they then said they would fix it in the last year I have returned XXXX times and still have the same issues I really need help I found XXXX safety recalls on the XXXX XXXX XXXX XXXX bought that seem to match the exact same issues Im having I have written XXXX like I was instructed to do regarding this lemon of a vehicle because I can not pay XXXX a month for a car that isnt safe XXXX XXXX the dealership wont give me all the documents related to this car please help me
Product: Bank account or service

In XXXX we had a small house fire which was covered by XXXX insurance. We were given several checks to cover loss of property as well as damages to our home. One of the checks ( the one in question ) for XXXX was a 3 party check needing signatures by my self, my wife and the mortgage holder. I took the check to My bank ( Wells Fargo ) and gave it to them for deposit. They told my it needed the 3rd signature and that I would have to wait 10 to 15 days for that signature before the funds would be deposited. After that period the funds became available in my checking account. I assumed that all was good and proceeded to use the funds for repair and replacement. I received no other correspondence. On XXXX I went to the bank ( Wells Fargo ) to get some cash for groceries at the ATM and found I was over drawn. I looked online and found the account was over drawn by over XXXX. I proceeded to the bank lobby and talked to a personal banker who said that since the draft was still pending that they could not see what it was. I came back the next day and they showed me a copy of the XXXX XXXX Check and said it was not endorsed by the 3rd party and that this is why my account was negative by over XXXX. They then said that XXXX XXXX had sent it back for this reason. I called my agent XXXX XXXX at XXXX in XXXX Idaho and told him this. He has checked all branches and all have said this was not true and that the check and claim to this effect was closed and that in all their exsperience they had never heard of this before and that it was unprecedented. Now Wells Fargo insists that the check be mailed to me and that then I am to mail it to the mortgage company for endorsement. Then will mail it back to me to bring to the Bank. I no longer live in the house in question. As of now my account is negative over XXXX, I have no cash or access to money untill this is resolved. I will have to open an account ( at another bank ) to even cash a pay check to live on. This looks to me like a oversight on their part from 1 1/2 years ago and now durring an audit they have discovered their mistake and are holding me accountable. Mean time my wife is XXXX over this I have had to take off work because of this and to chase down a resolution that is not in the near future. I need food, heat and bills money. XXXX out to the maximum, can hardly XXXX. Right now XXXX XXXX is doing their best for me in trying to resolve on their end.
Product: Payday loan, title loan, or personal loan

On XX/XX/23, I reached out to this place called easypay regarding the interest rated on a loan that was obtained. I informed them via email the VA State Law regarding interest rate, which they had mines at 133.99 % VA State law doesn't allow for loan rates to exceed past 36 % which is what I told them. They responded the same day stating a 90 day promotional period and a law called " Credit Sale Act ''. I looked this information up for VA and there is no law in VA for this. I provided them with several VA Code Laws and they emailed me back the following day stating that they are allowed to charge up to 134 % which I know to be illegal due to past issues with other loan companies and speaking to attorney 's about it. This email transaction continued until XX/XX/23. Then that's when the constant phone calls began and the harassment started. They will call all odd hours of the day and night. As of the first week of XXXX, they have falsely reported information on my credit report, which has caused my score to drop severely. I have notified them reiterating what I stated on " XX/XX/23 that they were violating my rights as a consumer by fraudulently reporting information that is not true on my credit report. What you as a company are doing is unethical and illegal ; illegally getting consumers to obtain a loan under false pretenses. This information will be reported to the credit bureaus, consumer protection agencies, and XXXX  ''.
Product: Credit reporting

was trying to utilize the free credit report for the 7 days and you are suppose to cancel within the 7 days and this company want your entire credit card number and they do n't want to look the account up with the member ID number which they assign to various accounts in order to know which account holder they are talking to on the phone XXXX and once you cancel the membership they are suppose to send you a cancelation number which they send to your email this company fails to honor there advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 12 XXXX   XXXX XXXX XXXX  ) XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I found myself needing a new roof on my home. At the time I was financially solvent, had paid off the mortgage on my home, and was working full time. I didn't want to drain my savings account to pay for the roof or put the cost on a credit card, so I approached my local Wells Fargo bank with the intention of taking out a small, short-term loan to pay for the roof. XXXX XXXX XXXX was my personal banking contact at that time, though she eventually left Wells Fargo. If my memory serves me correctly, I made three visits to the bank. The staff there was resistant to a short-term loan and suggested a line of credit based on my home value. They also did a hard sell on car and homeowner 's insurance and opening up a Wells Fargo Visa card. Eventually I opted for the line of credit and did not open other accounts with them. I was under the impression that I would have to leave the account open for a minimum of three years and that after one year I would be able to lock in a lower interest rate.The account had a credit line of over {$30000.00}, which was my primary complaint. I certainly didn't need that amount of money for my roof and over the next couple of years it was clear that they were using tactics to encourage me to run up the account balance and always reminded me that the interest was deductible on my federal income tax I was encouraged to transfer other debt, such as car or other loans, to this account or to take vacations or spend this money on shopping trips, mostly unsecured debt. I did end up using all of the money, mostly for living expenses and family emergencies. Despite my numerous attempts to close down the account, convert it to a different type of loan structure, or to lock in a lower interest rate, I was not able to. XXXX had left the bank a couple of years into this loan and I had no personal banker to deal with. I was in a position of having to explain the nature of my account to a new person every time or being transferred to a corporate branch where I was given no real assistance or alternatives. All of these negotiations took place on the phone. Over eight years I paid nearly {$10000.00} in interest on a {$33000.00} loan. During that time I was not able to deduct one dime of that cost with the IRS. Eventually it became clear that I would be forced to sell my home in order to pay off the line of credit, which I did in XX/XX/XXXX. After completing my move from XXXX XXXX to XXXX, I ended my relationship with Wells Fargo by closing all of my accounts and went to another bank. At that time, I was relieved to discover that no additional accounts had been opened without my knowledge.
Product: Debt collection

I received notification From CKS Prime Investments collecting from XXXX XXXX. I have never heard of any of them. I did some internet searches stating both companies were nothing but fraud. I did not do anything. Then I started receiving letters from lawyers stating they would like to handled my case. I didnt know there was a case out there against me.

I was served papers. I called the courthouse to see if these were real. I was told to call the Plaintiffs lawyer. I called their lawyer and I explained that my named was spelled wrong and that I was not XXXX. I told her that was usually for XXXX. She told me that the people that took out this credit card was in New York. I have never lived in New York or had family or friends that live there. She told me she was going to file fraud paper work and get the paper out to me to fill out. I have not received them as of yet. 

I also started complaining to XXXX XXXX  and had quite a few texts from them. They told me to email them. I did then never heard a word. I sent another text, that time the text was not that nice. 

Im at a loss and dont know what else to do please help
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Fay servicing stole my house in 2016. They forged documents and stole it and auctioned it off. My family is homeless from it as I had over {$200000.00} of equity in it. And you sued them for over a million dollars. Where and who does that money go to? They scammed us and California let them. Can I get my money they stole in equity from you? The falsified everything. There is no limitation on fraudulent and illegal evictions. Nothing about it was legal. And I get no help from you when it was happening only to find out they were sued a year after this happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent Transunion a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Transunion XXXX, Account regarding this CFPB complaint XXXX XXXX  XXXX XXXX.XXXX, and postal receipt XXXX Postal Receipt.XXXX. 

On XX/XX/2024 they responded to my disputes with their reinvestigation results XXXX XXXX XXXX. 

On XX/XX/2024, I responded back to Transunion requesting a reinvestigation and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : XXXX. The names and business addresses of each individual you verified the information with, so that I can follow up. XXXX. The date when you contacted the individual furnishers of information. XXXX. The method of communication you used to verify the information. 
I asked them specifically for a ( XXXX ) Description of reinvestigation procedure. 

On XX/XX/2024 Transunion responded with a refusal to process my request. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Transunion and their inaccurate reporting have damaged my livelihood. 

The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. 

I reserve my rights to litigation, should nothing come from this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized by 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
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 redresa for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 I mailed a letter certified to the United States Bankruptcy XXXX XXXX XXXX XXXX Mississippi asking about reporting information to the reporting agencies and the letters that I received stated they do not report. With that being said how did these credit agencies verify this info as 100 %? Clearly they never did an actual investigation according to the USC 1681.

According to USC 1681 Section 603 ( 3 ) E states that the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics and mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or may not have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor or from the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights several time. 

They violated my rights under 15 USC 1681.

According to 15 USC 1681 sec 602A I have the right to privacy.

According to 15 USC 1681 Sec 604A Sec 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX  IL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to XXXX, Experian, and XXXX. No one has sent me results. I have provided XXXX bureau tables of the errors in my credit report. I have the right to fair and accurate credit report. All XXXX credit bureaus are violating my rights. I demand the errors be fixed or deleted. I have attached letters sent to all XXXX bureaus.