23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a application for PSLF in XXXX and when I followed up on the application and I was advised to resubmit the application, which I did. After 6 months my application had not been processed. I made several attempts to call Moehla and after waiting on hold over an hour the call was disconnected 2x. In XXXX I was advised to submit my W2 forms as my employer had not been verified I submitted this information around XX/XX/XXXX upon following up on the application in on XXXX XXXX I was advised that the application was not sent to the right department and needed to be resubmitted ( XXXX XXXX XXXXXXXX ) in order for my W2 's to be linked to the PSLF application. I called Moehla on XX/XX/XXXX and they were not able to locate the application submitted on XX/XX/XXXX nor the original application and I was advised that the actions that took place on XX/XX/XXXX needed to be submitted again ( XXXX XXXX XXXX & XXXX ). 

I have been told by 3 representatives that I have over 120 qualified payments, but my application has been misrouted, misplaced, and not processed. I have been trying to resolve this issue for over 1.5 years now and still no ETA on the issue. 

On XX/XX/XXXX upon talking to someone and being on the call for 1 hour and 35 minutes not only was the representative rude, but when I asked to escalate the call and talk to a supervisor I was disconnected. The representative told me that my request was denied, but I see documentation in the portal that states the application is still under review very conflicting information. 

My account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX  ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent XXXX XXXX  6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- XXXXXXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that XXXX XXXX recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT
Product: Student loan

I went with XXXX to pay for college. I went with a variable rate, as I didnt have much choice. The interest rate started low ( which is still high ) at 11 %, but over the years they pushed it up to 12 %. I called them before the pandemic about what to do to get the rate down and I was told tough luck. I have always payed my loans on time, and I pay more than the minimum payment. Ive noticed in the past couple months that they have jacked up my interest. Last month it was 13 % and this month is 14 %. I owe XXXX on the loan and they are making it extremely difficult to successfully pay it off. Especially since they are XXXX up the prices in a recession when I can barely afford bread, milk, and toilet paper.
Product: Credit reporting or other personal consumer reports

I closed the account for the chime secured credit card builder on XX/XX/24 I have documentations. The balance was {$0.00} I have a statement provided from the company. They keep reporting the account open and with a {$1700.00} balance. I have disputed this with XXXX XXXX times have got additional information from Chime company and it is states account is closed balance {$0.00} but then they report to XXXX that it is open. I have sufficient documentation I need help to close this correctly and get off my report.
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX-XXXX ), to XXXX XXXX of PROFESSIONAL DEBT MEDIATION, INC. on XX/XX/2021 and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents which they've received on XX/XX/2021 at XXXX pm. In the invoice, there is a due date listed on XX/XX/2021 of {$1000.00} per violation listed and damages of {$2000.00} with a total of {$10000.00}. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Incorrect information, late payments, paid accounts showing negative information
Product: Debt collection

I bought a ticket for an event, from XXXX, using Pay in 4 option given, by PayPal. I got XXXX 2 days before the event, I messaged the organizer of the event, a few hours before the event. I told them the ticket will not be used, so I requested a refund. They still refused a refund. I informed them I would submit a claim with Paypal. I had proof I had XXXX, If they needed that to process the refund. I then submitted a claim with PayPal, due to having an account with them. I informed PayPal about the situation. They submitted the claim and PayPal found it in XXXXXX/XX/XXXX favor. They removed the money from my XX/XX/XXXXXXXX account, so debt was fully paid. I then went toXX/XX/XXXXXXXX ( third party ) and submitted two claims for the purchase amount. The first Pay in 4 Payment dispute for {$47.00} was found in my favor and the second dispute for remaining amount ALREADY paid for was for {$140.00} out of the total {$180.00}. The Bank found BOTH disputes in the consumer 's favor. A couple weeks later PayPal reversed the charge for the {$140.00} but did not for the remaining {$47.00}? This was for the to show I had never paid them. Now they are filing a charge back. Since the charge was returned to me, PayPal is filing a charge back claim to get the money back they had to pay XX/XX/XXXX XXXXXX/XX/XXXXXXXX confirmed this should have been settled with them so they couldn't do that. Now PayPal has restricted me from using Pay in 4 option and has also sent me to collections for this amount which doesn't make sense why the {$47.00} was completely disregarded when it was part of the debt to be paid. They had the chance to win the dispute againstXX/XX/XXXX XXXX but they failed to respond. Customer service representatives are also incompetent. Even a PayPal customer service representative confirmed I had no outstanding charges and my Payin4 account was in good standing per the screenshots of our chat conversation attached. Stay away from using ANY PayPal services! They do not care for their customers and do not act in good faith. They only care for corporate financial benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove a credit freeze from Experian. 

On XX/XX/XXXX, I spent hours trying to work with the website and the consumer telephone number. The website would not accept my information and referred me to a telephone number with recorded options -- but not an option to remove the credit freeze. The telephone recording referred me back to the website which, as I said, would not accept my information. 

I emailed Experian, explaining the problem, and got an email back saying a representative would call me. 

To date, no representative has called. 

I'm applying to refinance my home. The mortgage lender requires information from all three credit reporting agencies in order to make the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR XXXX 'S AND COPIES OF THE XXXX XXXX FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation XXXX XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without authority.
Product: Money transfer, virtual currency, or money service

I've been a victim of a massive identity theft and had investments stolen and now can not access my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my LexisNexis report on XX/XX/XXXX and noticed inaccurate possible fraud.Under Insurance Policy records for automobile it shows I owned vehicles I never owned. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know the XXXX  XXXX  XXXX  was owned by my ex-wife XXXX XXXXWe have been divorced since XXXX ... ... case number XXXX XXXX county Michigan.Why is that on my LexisNexis report? Was there any fraud? I never owned this vehicle Also it shows under insurance a XXXX XXXX under additional names.XXXX  XXXX is XXXX XXXX ( exwife ) nephew.Why is he on my LexisNexis report.XXXX  XXXX is currently XXXX XXXX in a Michigan XXXX. 
Me and XXXX XXXX were only married a few years
Product: Debt collection

Please remove this account from my credit report as the original creditor, XXXXXXXX XXXX XXXX XXXXXXXX, sold my account to LVNV Funding LLC, a collection agency, without providing proper notification as required under the Fair Debt Collection Practices Act ( FDCPA ). This failure to notify me of the sale or transfer of my account infringes on my rights and constitutes a violation of consumer protection laws.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To Whom This May ConcernXXXX XXXX XXXX XXXXMERCURY I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( XXXX XXXX XXXX/MERCURY ) communicating with me through email/text/calls. I would also like to request the purchase agreement between XXXX XXXX XXXXMERCURY and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that 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. 



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

I have tried to fix this problem with all companies including XXXX major reporting Bureaus Equifax, XXXX, and XXXX with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XXXX I am demanding these accounts be deleted from my report.
Product: Credit card

Around XXXX I took about XXXX or XXXX from my credit to make a payment of something there I keep getting to separate interest charges on my credit cards account when I contacted the Wells Fargo credit card people the person I spoke to told me that the charges was for over draft and said that as soon as I pay my over overdraft I would not be charged two interest charges anymore, so I listened to her and payed my credit card so I dont be over overdraft but on the next month I saw I was still on getting the two interest charges on my account whenever I made a payment. I contacted them again no one was able to give a proper response why I was getting charged two interest charges. I spoke with one of the managers she didnt understand why they were making me pay two interest charges also she went and asked me to make a complaint so I did make a complaint which the person I was talking to processed the complaint for me that on was on XXXX since then wells never get back to me and Im still getting two interest charges on my credit cards today the XX/XX/23 while I was talking to one of the Wells Fargo credit cards people they were very rude and unprofessional the lady I was talking to and who was taking my complaints was very rude she didnt even let me talk she hang up on my face. Wells Fargo have been even taking money on my debit cards account and falsely charged me and since last year they have been charged me twice for interest rates. When I got my credit card the Wells Fargo bank I went to and that person never explained to me that there would be a two interest rates charge is take or make payments through my credit card I was told that today when I was talking to one of the Wells Fargo customer service people. On This month XX/XX/23 they charged me 4 interest charges I dont even know why.
Product: Credit card or prepaid card

Please open attachment. American Express has violated my federal rights Pursuant to 15 usc 1602 ( p ) and 1602 ( n ). They have not responded to my communication or have done what Ive demanded of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX  to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX  to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX
Product: Credit card

I raised a dispute with best egg in the month of XX/XX/2023, I got a call from one of the agent that I will be getting a permanent credit, but today I got paperwork that says that the credit will be reversed of {$100.00}, Best Egg is a fraud credit card, do not use or apply for this credit card
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TRANSUNION credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit card or prepaid card

Approximately 3 months ago I applied for and received a Chase Sapphire Preferred credit card. I have charged and payed off over {$8000.00} the past 90 days. My credit score is around XXXX to XXXX. 

Over the past 60 days I have received multiple requests to apply for a Southwest Airlines credit card through Chase Bank. In each case my card applications have been denied and the reason given by Chase was, too many requests for credit or opened accounts with us. 

Can you help? I have the means to have multiple credit cards and a track record of paying my bills.
Product: Debt collection

ACCOUNT # XXXX date : XX/XX/20XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHT TO PRIVACY 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

10 604 - 15 U.S.C. 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX BALANCED {$18000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX BALANCED {$8500.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Lead Bank - Self XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date XX/XX/2024 To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX Signature : XXXX XXXX
Product: Prepaid card

I recently got a prepaid Payomatic ( XXXX  ) card. Ive had difficulty with this repeatedly and can get no answers as to why the card isnt working- it took three representatives to finally unlock the card- they recognized regular orders from XXXX XXXX  and XXXX  as suspicious activity. Then after they told me it was resolved - its still not working. Their customer service representatives are completely inept - she just tells me - well thats what the system tells me. Please I want to get rid of this card and get my money back. This is outright terrible and wrong!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/ 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$160.00}
Product: Checking or savings account

I had a business account with Novo that was unexpectedly closed on XX/XX/scrub>XXXX XXXX XXXX At the time, the account had a balance of over {$800.00}. Novo informed me they would mail a check for the remaining balance, but I have not received it. Despite repeated emails, Novo has not provided any tracking information or updates. I would like assistance in recovering my funds.