23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was approved by MOHELA for the SAVE repayment plan in XXXX of XXXX  effective XXXX XXXX months. I made two payments without issues. Suddenly and abruptly with NO explanation, in the first week of XXXX, MOHELA placed me into a plan that increased my payments from {$1000.00} to over {$1800.00} per month ( LEVEL repayment ). I messaged them, waited on hold, sent them the confirmation of the approval in XXXX and then even reapplied for the SAVE plan AGAIN. No responses. The only response I keep getting from the company is that payments are overdue and now it says I owe almost {$3000.00}. They also send back " correspondence processing delay '' notices, that ultimately say it may take them up to 90 days to answer. A company should not be able to charge interest, increase payments, ignore applications, reverse applications with no explanation, and then tell customers to wait up to 90 days to get a response. Interest accumulates, my credit score is being impacted and there is no way possible for me to make these payments. I struggled paying {$1000.00}, but I made it a priority and did it, so I was in no way in default. The company randomly changes terms and then refuses to help customers. It's so unethical and frustrating and I know I am not alone. I'm also 17 payments away from loan forgiveness under PSLF, so it feels like this is intentionally disrupting that and making it impossible to keep working toward this forgiveness.
Product: Credit reporting or other personal consumer reports

I noticed these problems on XX/XX/XXXXXXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$260.00} XXXX Account Opened/ Date Assigned XX/XX/XXXX Account Balance {$1100.00} XXXX  Account Opened XX/XX/XXXX Account Balance {$930.00} XXXX  XXXX Account Opened XX/XX/XXXX Account Balance {$310.00}
Product: Credit reporting, credit repair services, 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 Balance : {$880.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$970.00}
Product: Debt collection

A company called Convergent Outsourcing is currently reporting on my credit file for a fraudulent account I have never heard of them nor done business with any of its affliates. I have never received any dunning letters from this company are received any communications from them to prove that this debt is mine in which it is not. I would then to stop reporting on my credit file until they can provide legal documentation that this is my debt in which it is not.
Product: Student loan

I filed to get a ibr with navent and XXXX both service federal loans. Each are charging 15 %  of my income which together is 30 % of my income. My take home for a single with XXXX dependants is XXXX per month. How Im i to afford XXXX total per month to the federal government per month. Im already getting XXXX  benifits because all my current income is going to bills. Do I also need to apply for money assistance job and family services to offset what the federal are taking? The cost of living is already XXXX a month in bills so I can't live independent. Are they trying to make us homeless?
Product: Money transfer, virtual currency, or money service

Xoom advertise is send money to your relatives in less than 5 minutes. I have been using them for a while but recently they have been holding my money for days. My family had an emergency back home and I needed to send money. I went to their system and started the transfer, day 1 passed nothing, day 2 nothing. I called them and they said they were working on the transfer that it could take between 4 to 12 business day. I canceled the transaction. I got a cancellation notice, but they went ahead and withdraw the money from my bank account. I called them asking for the refund and was told it will take between 5 to 10 days before i get my money back. It 's US XXXX plus {$4.00} service fee. After the incident i went on line and start reading on the XXXX  communities and they are lots of complains.
Product: Money transfer, virtual currency, or money service

Hello, ( I have to apologize for re-uploading this compain ) Please help me, I have troubles with Paypal. I am running a legal vape business in the XXXX since XXXX. We started to manufacture vape units for retail and export on XXXX and has been using Paypal for international transactions ever since. Our business is complete with permits, we work with legitimate suppliers and couriers. Paypal asked for proof and eventually upgrading my account to business. 

XX/XX/XXXX Paypal put a limit on my account without any warnings. They sent an email, saying that they will need to put a hold on my funds for 180 days. I found out from other clients that tobacco and e-cigarette products are not allowed to be sold via PayPal. For two weeks, I called, and messaged PayPal but no resolutions. I received an email saying that PayPal found my account as a potential risk and was promised to receive an email after the 180 day hold, with the instructions on how to withdraw my funds.

May 14-15, 2021 Again without any warnings, Paypal took away all my funds. 
XX/XX/XXXX XXXX XX/XX/XXXX {$8300.00} With this description : Payment to : Paypal XXXX PayPal 's damages caused by Acceptable Use Policy violation ;. 

After talking to PayPal for more than 2 weeks, again no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$26000.00} XXXX XXXX Balance : {$640.00}. 
XXXX XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00}
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 items XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXXXXXX XXXX Balance {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into Discover Financial Services regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by Discover Financial Services will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately.

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders Discover 's reporting of this account inaccurate.

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter, dated XX/XX/2017, from a company called Genworth Financial that it was updating a request to change my address, along with a " new schedule of benefits reflecting this change, '' which I was told to file with my " certificate. '' The letter includes an XXXX-number to call ( XXXX ) if I " have any questions about ( my ) XXXX XXXX coverage. '' The letter is not signed by anyone, just " Sincerely, XXXX XXXX XXXX XXXX XXXX '' and gives a coverage ID number ( XXXX ), that is allegedly my account number. The cover letter also has the Word document path info in the lower corner that you may see on business internal documents, but seems strange on a letter from a legitimate company to a customer. 

The second page of the letter has a simple listing two columns with " Covered Services '' and " Benefits '' which includes, for example, " Type II Covered Services : Nursing Home Facility, 100 % Most Common Charge not to exceed {$260.00} per day '' and so forth for assisted living facilities, home care, adult day care, respite care services. This page concludes with listing a " total lifetime benefit '' of {$7800.00}. 

Here 's my issue : I NEVER opened any type of account nor have ever done business with Genworth Financial that I know of. This letter appears to be a disguised marketing ploy that could be very confusing, as it makes it appear you already have an account with Genworth. As  mentioned above, the only way to contact the company and find out what is going on is to call the XXXX number. I have not called the number, just do n't have the time for this and do not want to make contact and receive more of the same from them. It clearly appears to be targeting senior citizens, considering the " benefits '' for nursing homes and the like. I turn XXXX soon, and have a husband who is at retirement age, so maybe that is why I was targeted? 

I have worked for both the XXXX and XXXX XXXX XXXX regarding XXXX XXXX and XXXX XXXX, and even after years of experience XXXX XXXX XXXX and XXXX XXXX, I was still confused about this one. It really left me scratching my head trying to figure out when/if I had signed up for something with Genworth, if it was some job benefit I had forgotten about or something. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$6300.00} XXXX XXXX XXXX XXXX XXXX - {$680.00} XXXX XXXX  XXXX XXXX - {$6300.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Name : XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX XXXX - XXXX
Product: Debt collection

I visited the XXXX XXXX Hospital in XXXX, Pa. My visit was covered under insurance and paid for. However, I received a debt collections notice from Phoenix Financial Services located in XXXX, Indiana about a debt owed to XXXX XXXX XXXX XXXX XXXX, which is also located in XXXX, but does not have a real physical location and Ive never been to this place either. After reviewing their information online it is noted that XXXX XXXX XXXX XXXX XXXX, is currently using the same phone number as XXXX XXXX Hospital, but is using a different address. The only name linked with XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX, who is not a physician at XXXX XXXX Hospital, nor a physician that I have ever seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else 's information is reporting on my credit report. I previously tried to dispute this error. The company responded that it could not find my file and ask me to send verifying information. I sent that information but never received a response. I am not sure whether I sent it to the wrong address but I nothing has changed. I am writing Consumer Financial Protection Bureau today to provide the documentation that was requested and hope that you can forward this information to the credit bureau for me.
Product: Student loan

I have been paying on a student loan for over a decade and my balance is more than the amount first borrowed. Although during the time of repayments I had periods of unemployment, I have made payments while employed. I have all intentions of repayments but I have not made a dent on the balance. This was my first and only student loan and I was not very well versed. I do not believe I was fully informed of the repayment options nor was I ever alerted on renewal notifications on by payment options. When I review my account with the servicing company ( Navient, the loan originated with Salli May ), the amount applied to the loan principal has been little as XXXX cents at times. I just feel that I'm paying a " Loan Shark '', since my balance is more now then the original amount. I have worked for non-profit organizations, public state organizations and higher education of over ten years. I asked about loan forgiveness, regarding employment with non-profit and education, and was told that my loan was not eligible. I'm a veteran with a 70 % service  connected XXXX and XXXX years old. I fear that my current XXXX, may result in working part time in the not to distant further. Any advise and guidance will be greatly appreciated.
Product: Checking or savings account

I have been trying to stop payments from XXXX XXXX. It is located at XXXX XXXX XXXX, XXXX, SC. I have been up their and tried calling them. The Manager has to be there. In order to cancel any contract entered. It is not my responsibility to make sure that the manager is there. Every time I have called them or have been there. The manager is not there. It should not be this hard to cancel a membership. So, I had to contact my bank. I put a stop payment on it. I need to get the contract canceled still. I would appreciate any help with this matter. I, thank you for your time and understanding. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

When I first started using zelle it was not giving me a confirmation on who I was sending the money to
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX SER Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
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. 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 Federal Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Debt collection

In the spring of 2018, I began receiving numerous harassing phone calls from Perfection Collection Services in regards to a debt I allegedly owed. The calls always had someone saying they were on the way to my house to deliver important documents to me or my attorney. They even contacted my elderly mother in this same way. No one ever showed up to deliver any such documents, so this was clearly a tactic to intimidate me. When I finally talked to someone from Perfection Collection Services in regards to these calls, I asked for an accounting of the amount they claimed I owed. The woman on the phone very rudely told me that she was not a " customer service department '' and could not give me that information. I asked again saying I needed to verify that the amount was correct, and she refused and said " we will see you in court! '' and hung up on me. The harassing calls continued. On XX/XX/2018, I sent a validation request letter ( copy attached ) to Perfection Collection pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ) requesting information that could help me understand the amount they claimed I owed. All I received from them was a copy of the first page of my contract with their customer, XXXX. I received none of the other information I requested and am legally entitled to under the FDCPA, especially a complete accounting of the debt. To this day, I have not received the requested information. As a result, I now have TWO invalidated collection amounts of over {$1600.00} affecting my credit report in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX Original 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

NAME : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, State Zip : XXXX SC XXXX XXXX Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot, consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the del accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I paid my car loan off in full to XX/XX/XXXX 2024. I have paperwork proving this and it appears on all three reports. On XX/XX/year> and XX/XX/year> SpringLight Financial reported a bogus repossession on my reports with different names. I never had a auto loan nor contract with this company and want it removed immediately!

SpringLight Financial XX/XX/XXXX, TX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$640.00} was grew to owed due to a persons opening a line of credit. Therefore the account went delinquent and was closed. 
[ CitizensOne ] Rhode Island.