23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As of XX/XX/23 I only owed close to XXXX total on all my student loans. In XXXX I received a check from federal student aide for over XXXX dollars with no explanation. I called my loan servicer Nelnet and was told I got this as part of XXXX student loan forgiveness. When I went to pay student loan off in XXXX my student loan balance has gone up to XXXX plus with no explanation. I spent countless hours on the phone with my loan servicer and they have assured me that the XXXX dollars is mine and that the XXXX will adjust off the current balance. However Ive been responsible for payments at 7 % interest since XXXX. To date this has not happened. I currently owe over XXXX dollars which no one can explain how they came up with that #. 
Several months ago I put a complaint in at federal Student Aid : case # XXXX. After waiting months to hear back from them, I got a email saying they sent complaint to Nelnet who the complaint is about. 
Now after telling me that the XXXX was mine ( this is in all their notes of our calls ), they are saying that not all of the XXXX was not mine and I owe money back. I have asked for a breakdown of what happened and how much I owe..nothing. Meanwhile payments still due, paying for loan I already paid for. I am XXXX XXXX XXXX trying to retire, used this money to get closer to that goal. Its unbelievable that they can tell me something is mine 100 % now ask for it back with no clear explanation of how this happened or what I owe.
Product: Money transfer, virtual currency, or money service

I am willing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I was not late XX/XX/2018 and XXXX have me late 120 days past due and XXXX 180 past due.. Please provide proof the payment was late or remove it from my report. According to FCRA everything on my report has to be 100 percent accurate and verifiable. 

The Following account : 1XXXX XXXXt Acct number : XXXX Please update payment history current/never late Pleases see all attached document below.
Product: Mortgage

I moved in to my rental due to finical problem found out later it was Identify theft. I started a home modification in XXXX. it took 5 months for the go-ahead. They kept asking for the same paperwork I gave in the beginning. I made the 3 payments in a row. All the while I was getting foreclosure notices ocwen said disregard there not valid. I got a few and called in not valid do n't worry. So the payment where done. I received the paper work upon receiving I was rushed hurry get them back. Upon ready there was a balloon payment of {$27000.00}. the loan started at XXXX paid for 13 years XXXX and financed XXXX just to have a balloon of XXXX. They tried to sneak in. I called in and it was interest on interest. I denied and was goanna refi only to find out it was foreclosed on in XXXX so the lender would not touch. So now I 'm about to be kicked out. And the Kicker is there to blame for the Identify theft. They let some one assign themselves as account manager XXXX on my loans and they switched it around so I did not have access to my own account got. I Finally got the account back and had it done again in XX/XX/XXXX I was at a loss of how someone not on the loan could do that. I had to fight to get the account only to be months behind. I had to fight to get on like they where not my loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm sure you 're aware of the Equifax breach, which was caused by inadequate data security measures ; I found out from Equifax 's website that my data was breached. 

I 'm sorry, but that class action suit results in about {$400.00} per person ( before lawyers take their cut ). One year of free credit monitoring does n't quite do it, either. And letting the CEO retire with his {$18.00} million pension intact just does n't feel like much of a punishment to me. 

I am writing to insist that Equifax be completely disbanded. I am not convinced of the need for any organization to have so much sensitive data about american citizens, much less the need to have three. Equifax has shown it is not inclined to keep our information safe, and that it 's not particularly penitent for its actions. It is doing very little to atone for the harm it has caused this country.
Product: Debt collection

I do not have knowledge of this debt that is attempting to be collected.
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 redress ( 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 redres. for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX  XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$820.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was disappointed with the outcome. Could you please explain the process you used to reach out to the creditor? I'm keen to understand the fair procedure you followed to determine if the disputes are valid and if the information provided are correct. Has the furnisher confirmed the accuracy of the information? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

In XXXX XXXX my husband and I were searching for a new, larger apartment for our family since I was XXXX at the time. We arrived at XXXX XXXX XXXX and decided this is where we wanted to live. The leasing agent provided us with a Move-in cost sheet indicating that it would cost {$2100.00} to move into the apartment. In order for them to approve us, they needed to perform a credit check and background check and instructed us to complete an application. Within the application it states we have 24 hours to change our minds and if after the 24 hours we are approved and decide not to take the apartment, they would then charge us one months rent equivalent to {$1500.00}. 

More than 72 hours later, the apartment complex called to tell us that we were denied based on our credit and the original costs to move in were no longer valid and that if we still wanted the apartment it would cost us between {$2500.00} and {$2700.00}. We needed time to think because that was not the original agreement and we could not afford such a large amount. On XXXX XXXX, I went on emergency maternity leave and as a result our financial picture changed and we decided there was no way for us to afford the large amount to move in. 

When we called the apartment complex to turn down the apartment they demanded we pay them {$1500.00} for one months rent since we signed an application agreement. We instructed them that we never signed a LEASE, and since they changed the move in costs required of us to move in, it nullified the application agreement. 

We contacted our friend XXXX who is an attorney and the apartment complex refused to speak to him ( and us ). Within a few weeks we received a collection letter from Hunter Warfield. A few months later I contacted the Attorney Generals office who forwarded our complaint to XXXX where they spoke to XXXX, the manager at The XXXX. XXXX agreed that the debt should be retracted. I spoke to XXXX who explained why they sent it to the XXXX credit bureaus but agreed that the debt should be retracted. The Florida Department of Agriculture was unsuccessful in reaching XXXX and Hunter Warfield. 

Thee problem was never fixed and XX/XX/XXXX I received another letter from Hunter Warfield who is still attempting to collect the debt and refuses to remove it from our credit reports, and after disputing it with XXXX, the smear still remains. I also went to XXXX to speak directly to XXXX who denied ever speaking to XXXX XXXX XXXX and could not recall who I was or what my complaint was ever about.
Product: Credit reporting or other personal consumer reports

Account Info : XXXX Date Opened XX/XX/year> Dear National Credit System, I am writing regarding the above-referenced account. This letter serves as formal notice that I am requesting you cease all communications with me regarding this account, effective immediately, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). While I am requesting that you cease direct communications, I am also requesting that you upload the following additional information to the Consumer Financial Protection Bureau ( CFPB ) portal to ensure the accuracy of my records : Date of Last Payment Date of First Delinquency Date of Charge-Off
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00} Medical XXXX Balance : {$190.00}
Product: Student loan

I have struggled with determining how much I owe to AES. I have two loans : 1. XXXX XXXX ( {$77000.00} due ) 2. XXXX XXXX ( {$3000.00} due ) When I log on to the account, I can not determine which loan payments apply to which accounts. I can not view the details for both loans. When I called two months ( XX/XX/XXXX ) ago to alert them to the problem, they said they would fix it, apologized for the debt calls, and told me I was up to do date. Since that time, I have made 3 payments : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX The amounts vary from the monthly due amount because their online system always states that I owe a late fee. 

I received a debt collection call that I was XXXX past due. I knew this could not be true because I was told in XX/XX/XXXX that I was up to date. Since XX/XX/XXXX, I have made {$650.00} dollars in payments. I logged on to see how much I owed. It is unclear because the 2 loans are not reflected in the correct place. The AES customer service employee told me to " disregard '' the summary at the top and just focus on the " payment '' portion. I did. However, the payment history does not accurately show how much I have paid. For the XXXX XXXX account, it does not show a payment history at all. I scrolled to the bottom. I tried to pull up the paper/pdf bills. They both are labeled " XXXX XXXX : and only one contains a pdf/ The only pdf is for the XXXX XXXX account. i am not able to view the XXXX XXXX bill at all. The customer service person hung up on me when I asked for more details. I called back, and I was disconnected. I am very frustrated. I am just trying to pay the bill, but I would like the account to accurately reflect the amounts paid and applied to the correct loans. I want to resolve this, but I can not do so if I have no way of determining the amount owed, past amounts paid, and what amounts were applied to which account. Please help me determine the following : - A full accounting of each loan for one year ( XXXX XXXX- XX/XX/XXXX ). 
- Corrected online information for accurate viewing, paying, and bill summary.
Product: Credit card or prepaid card

roughly on XX/XX/XXXX I spoked to a Rep from Chase. Her name is XXXX. SHE HAD ADVISED SHE WOULD DEDUCT {$1300.00} IN FEES AND INTEREST AND LATE CHARGES. THE PROBLEM IS SHE WAS SUPPOSE TO CALL BACK ON XX/XX/XXXX AND DISCUSS WHAT SHE WAS DID ON XX/XX/XXXX. NONETHELESS, NO FEES, LATE CHARGES OR ANYTHING WAS DONE ON THE ACCOUNT ( CREDIT CARD ) NOR DID SHE CALL BACK ON XX/XX/XXXX. I CALLED AND LEFT A MESSAGE WITH NO CALLBACK. I HAVE BEEN STRICKEN WITH THE XXXX AND LOST MY JOB. WHEN I TALKED TO SEE, SHE WAS GOING TO CALL BACK TO SEE IF WE COULD DO A DEBT SETTLEMENT. FOR {$3500.00}. AGAIN SHE NEVER CALLED BACK. I NEED HELP, I CAN NOT PAY THE WHAT IS DUE ON THE ACCOUNT. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please remove all inquiries from credit report which are not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan w exeter finance thru a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to exeter finance and myself - I called exeter and explained-I asked to endorse check and send to exeter and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - exeter agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - Exeter reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w Exeter issue XXXX replied Cfpb has numerous complaints on exeter concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/2020 I want my credit corrected or I'll sue exeter For false pretence and verbal fraud of financial instrument -
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 Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Prepaid card

Section 10. ( Legal Notices ) b. ( Account Closure ) of the " Fees & Cardholder Agreement '' document, which can be obtained on the customer support website XXXX XXXX XXXX XXXX  ), states that : " You may close your XXXX XXXX at any time by contacting Customer Service. Your request for XXXX XXXX closure will not affect any of our rights or your obligations arising under this Agreement prior to the request. Should your XXXX XXXX account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in the Long Form. We reserve the right to close your XXXX XXXX account should you complete or attempt to complete any of the prohibited actions in this Agreement. '' We can contact customer service at XXXX. This is a fully automated ( i.e., XXXX ) system. However, there is no option to connect to a live customer service representative or menu option to close the account. 

Essentially, there is no way to get the remaining value from this card. 

The balance is low ( {$1.00} ), so shopping for an item of that exact value is difficult. Most merchants refuse to " split '' the purchase transaction using this card and another card. 

There is no option to request an ACH, wire the funds, or request a check for the remaining balance.
Product: Debt collection

On XX/XX/XXXX got a notification of a collection account on my credit report. Have not received any correspondence from collection agency. I didnt receive a notice so I didnt get to verify that the account is not mine before they reported it. They are required to send dunning letter 5 days after initial contact ( reporting ) and they have not.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Please change the status to Paid or simply " Remove '' the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

They put hard inquiries on my credit report
Product: Credit card

AMEX put a debit on my personal AMEX card on XX/XX/XXXX for {$1000.00}. According to AMEX this was for a balance transfer of {$1000.00} to another of my AMEX accounts. This was totally incorrect. The credit balance was transferred to another of my accounts but it had nothing to do with this account. I had a negative balance on another account which was transferred properly ; however, it had NOTHING to do with this account. In addition, after my 5th phone call about this issue to AMEX, a supervisor ( who was supposed to be firing my problem ) actually put a 2nd debit on my card for $ XXXX on XX/XX/XXXX. Therefore, now AMEX owes my $ XXXX now instead of just $ XXXX.