23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I contacted Cashnetusa to borrow {$2000.00}. The first payment to repay was $ XXXX XXXX, Then I was told it was {$580.00} in XXXX. In XXXX I was told that I was to pay {$800.00} and that I owed {$2500.00}. With my payments, the amount did not go down it went up. At this point I was concerned that I was being gouged. I contacted them on XX/XX/2020 and stated that I had been out of work and could only pay {$150.00} a month. They then sent me an email stating that I could settle the account with 4 payments of {$990.00}. I have already paid them {$250.00}, {$580.00} and this past week a money order for {$150.00}. This is a total of {$980.00}, yet they say I owe {$3900.00}. 
I am a veteran and XXXX years old and feel that I have been taken advantage of.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must delete any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX ( {$1000.00} ) XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ( {$11000.00} ) XXXX. XXXX XXXX ACCT # XXXX ( {$6400.00} ) XXXX. XXXXXXXX XXXX XXXX  ACCT # XXXX ( {$1000.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Checking or savings account

Complaint Summary : On XX/XX/2023, my Chime 2 accounts were WRONGFULLY closed without specific details or any warnings as to why my accounts were closed for no valid reason after being a long time 5+ year customer, who never had any issues. 

Per the account closure email, I was supposed to receive a {$250.00} refund check for the remaining funds in my 2 accounts within 30 days from the account closure date, which has not arrived as of XXXX. 

During my phone conversation with XXXX on XXXX, he escalated this inequitable matter to find out why I have NOT received the remaining funds in my account as he confirmed that my check has not been sent as Chime guaranteed that I'd receive it 30 days after XXXX ( account closure date ). 

On XXXX, I received an email from XXXX ( Chime Member Services ) who stated that I should receive my check within XXXX business days. 

As of XXXX, I have not received my {$250.00} refund check from my 2 Chime accounts. 

At your earliest convenience, please provide me with an update regarding this extremely unsatisfactory and unacceptable matter as to why my refund check has not been sent and an exact date when I'll receive my funds which has significantly exceeded the promised 30 day timeframe.
Product: Money transfer, virtual currency, or money service

I have a complaint about someone selling my identity to collect money and now is making me falsely accused and I want to clear my name. I am taking care of a young lady kids that is away working and the other day when she went to send the kids money to me they told her that I am on a scam list. Now I don't know how I'm suppose to be on a scam list when I don't even collect money often. The lady 's kids I take care of she only sends money every two weeks to buy food and send her kids to school. Apart from her my dad sends me money only once a year which is XX/XX/XXXX and also my baby father which is once in awhile. So please I'm asking you if you could investigate about this and make my name be cleared from this absurd foolishness please. Thank you
Product: Mortgage

I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program The Department of Veterans Affairs informed me that its Veterans Affairs Servicing Purchase ( VASP ) program was released on XX/XX/2024. The Veterans Affairs Servicing Purchase ( VASP ) program would allow me to refinance my home with a substantially lower interest rate and be able to stay in my home and avoid homelessness. On XX/XX/2024, I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program and Veterans United/ Mr. Cooper informed me that the program wouldnt be available until XX/XX/2024. On XX/XX/2024, Veterans United/ Mr. Cooper XXXX called me and said that the VASP program would not be available to request until XX/XX/2024. They seem to be purposefully stalling my request for assistance from the VA guaranteed home loan benefits by kicking the can down the road and plan to foreclose on my home loan thereby ensuring that XXXX be homeless. On XX/XX/2024, I rejected the loan modification offer from Veterans United Home Loans/ Mr. Cooper Loans because it increased my interest rate to XXXX  % with an increased payment to {$4100.00} per month. Also, I informed the VA loan specialist about this loan modification. In my original mortgage loan, I was paying {$3500.00} per month with an interest rate of only 5.5 %. Veterans United Home Loans / Mr. Cooper claims that theyre trying to help me; but it appears that they do not want to refinance the loan to a helpful and reasonable interest rate and monthly payment. More over, it appears Veterans United Home Loans / Mr. Cooper just wants to take my home and not provide me the beneficial opportunity to refinance at a reasonably helpful interest rate and monthly payment. And, Veterans United Home Loans/ Mr. Cooper does not want to refer me to the VAs VASP initiative so that I could get a greatly less interest rate with a lot lower monthly mortgage payment.
Product: Credit reporting or other personal consumer reports

I am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed VYSTAR CREDIT UNION furnished the following information to my consumer report and it is invading my right to privacy. 
*Vystar Open XX/XX/ Account # : XXXX Amount : XXXX I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information under 15 U.S.C. 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRS 's ( XXXX, XXXX, and XXXX ). 

VYSTAR CREDIT UNION did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not allowed to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information under U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). VYSTAR CREDIT UNION violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by VYSTAR CREDIT UNION for the account opened ( XX/XX/ ). 

With Prejudice By : XXXX XXXX XXXXXXXX ALL NATURAL INALIENABLE RIGHTS RESERVED
Product: Student loan

Today, I called Navient about information on my loan. Yet again, they can not give me details. It is if they just made it up and I am supposed to agree and abide by that. I have done this several times. They send me from one department to another. I am seeking the payments recieved, the amounts, when they were recieved, and from what account. My bank does not have any record of this nor do I have recollection of what they have posted. They have changed, re-aged, and falsely reported everything from the amount owed, payment dates, to interest, charged off dates, and balance owed. This is all done to keep it on my credit. I have no problem making payment arrangements to them but I need correct information, detail, all mailed to me. They are known for falsifying things. They refuse to. They just send me a print out of what they typed in I owed. They give me nothing so I can do my own research. I do not trust them for good reason. Millions of people have been duped by them. I am unable to secure high employment, a home, and decent life due to their continued false reportings. I need your help in getting this information. I feel that they are reporting this on my credit well past the legal dates by using false info. Please help. If they can not give me this info, then I want it removed immeidatly for good. Again, I am not refusing to make payment arrangments with them. I am seeking a correction to this issue or I may have to take legal action myself.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$480.00} have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This situation began when I purchased concert tickets on XX/XX/XXXX using my U.S. Bank credit card ending in XXXX. 
I then paid the balance in full. 

XX/XX/XXXX - I filled for a charge back because I was working as a traveling front line health care worker and would not be in XXXX  on the new date. 
I live in XXXX XX/XX/XXXX - The charge back was denied to me by U.S. Bank. 

XX/XX/XXXX - XXXX notified me by email that me concert was postponed until XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was CANCELLED and my REFUND WILL BE PROCESSED BACK TO MY ORIGINAL FORM OF PAYMENT. That card ( ending in XXXX ) had expired. 

I ordered a new credit card and was told that my refund would automatically post to my new card. 
( I was told by XXXX more service reps on subsequent phone calls that my old card and new card would be linked. ) XX/XX/XXXX - I requested a refund from XXXX. 
XX/XX/XXXX - XXXX emailed me that my refund will be processed within XXXX days. 

XX/XX/XXXX - I entered the credit card number of my new U.S. Bank credit card on my XXXX account so they could process my refund on to the new card. 

XX/XX/XXXX - As requested by me XXXX processed my refund back to my expired credit card ending in XXXX on XX/XX/XXXX but when I called U.S. Bank they told me they could not process my payment. 

There have been MANY phone calls and emails to both XXXX and U S. Bank concerning this refund. 

I am told by XXXX that the refund has been processed on their end and it is U. S. Bank that has the issue. 
I am told U. S. Bank that they can not process my refund. 

I have told them on multiple occasions that I don't understand why my refund is not being returned to me. 
I am under extreme duress due to this and need help to resolve and get my money returned to me. 

I called US Bank on XX/XX/XXXX to let them know I'm want to fill a UDAAP claim and they said they didn't know what that was and they couldn't help me. 

I have sent many emails and made many phone calls and have left a lot out due to the extent of my documentation. 
I can give any info that is needed. 
Thank you, XXXX XXXX.
Product: Checking or savings account

there was on unauthorized garnishment of my joint account violating my privacy rights under 15 USC 6801 ( a ) privacy obligation policy written by XXXX. My rights were further violated under the same code causing harm 15 USC ( b ) ( 3 ). I was not disclosed which is required under 15 USC 6803 ( a ) ( 1 ) ( 3 ). Under 15 USC 6802 a financial institution may not, directly or through any affiliate disclose to a nonaffiliate third party any non public information, unless such financial institution provides or has provided to the consumer a notice. I was not the subject of any garnishment so my personal information must remain private under all circumstances. under the XXXX XXXX XXXX sec. 503 ( a ) ( 1,2,3 ) my non public information is to be protected under the law.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately Account : XXXX XXXXXXXX Account XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

Personal Information Inaccurate Incorrect or just wrong like names, addresses, phone numbers, employment. Hard Inquiries I did not give permission to check my credit report etc.

I have also mailed CFPB a copy of my letters to the 3 credit bureaus to make sure all Items are deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account completely off with a balance of XXXX in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with XXXX to complete the balance in full. XXXX then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and transunion to investigate this error and remove it from my account. Since the account is listed as 'closed ', XXXX does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as XXXX and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate my consumer rights. I sent TransUnion a letter on XX/XX/2022 to correct errors to my name and address and requested not a reinvestigation but a method of verification for the disputed accounts still listed on my consumer file. I submitted a copy of my driver 's license with my name and address. TransUnion continues to be willfully noncompliant in furnishing inaccurate information. The letter TransUnion sent XX/XX/2022 has incorrect listings of my name and an incorrect address. TransUnion has also violated 15 USC 1681i ( 6 ) ( B ) iii, as I requested 1 ) The name of the original creditor, 2 ) The creditors address and telephone number, 3 ) The person 's name they verified with, 4 ) The documentation used to verify the dispute. I was not sent any documentation that was used to verify any of the information furnished.
Product: Student loan

My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. 

I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. 

I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an essential worker with a reduced paycheck. 

Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.
Product: Debt collection

Financial Data Systems is listing an account on my XXXX credit report stating I owe them money from XX/XX/2010. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on a debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Financial Data Systems is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

To whom this may concern, there are some inquiries on my credit report, that I have been disputing for a while now, THAT DOES NOT HAVE PERMISSABLE PURPOSE. 

XXXX XXXX XXXX- XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b. 

XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX XXXX # XXXXXXXX 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: Money transfer, virtual currency, or money service

I sent a wire transfer {$1400.00} to a scammer and I did not know beforehand on XX/XX/XXXX at Wells Fargo bank. The scammer name is XXXX XXXX XXXX and she has an account at Wells Fargo as well. I have contacted the police department with a case number. Unfortunately, they said its up to the bank decision. I understand that once a wire transfer sent then it would not be possible to recall. The policy said the scammer has to accept the recall and I think this is not reasonable. It is a similar situation like when someone trying to rob me and took my wallet. And I have to get their permission to get it back. Do you think this is reasonable? Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed severas inaccuracios no my accounts. This accounts is hurting my ability to obtain credit. It is my understanding that you will investgate these tems for me to ensure accuracy. Here is the tems I am asking you to verifique as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Another woman with the same name XXXX XXXX lives in XXXX and has either used my social security number or the Original Creditors have added her information to my Credit accounts along with bills from local hospital. Experian has been notified today. 
Also a business was listed as well on my home address that has never been established at this residence. I have rented for the last 13 years and that is also inaccurate information that needs to be removed. 
Some addresses are also being removed that I have never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question was closed by the company without following the proper procedure in reaching out to the consumer, in which has created personal issues as a result. The charged off account was originally written-off in XX/XX/2022, while in excellent standing, and continues to be opened/closed since then along with continuous reporting of " late payments '' on an account deemed closed. It has been written off as a loss, and According to the IRS, a canceled debt ( charge off ) is gross or ordinary income, by which is non-reportable on a consumer report, rendering this information being reported as inaccurate. In addition, I have never received a 1099-c form for the cancelation of debt.