23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a fixed interest rate term student loan. It was originally a federal student loan, which was refinanced with SOFI. I paid more than double my required monthly payment amount, thinking this would result in a " paid ahead '' status where my next payment due date would be advanced into the future. However, after logging into my account and calling customer service, I learned that SOFI does not ever advance payment due dates. They still want a full loan payment next month. I do not think this misleading practice was adequately disclosed, and it is used to lure people into refinancing their federal loans. Prior to refinancing, my federal loans offered this feature, and my loan was always paid ahead by several months, if not years.

SOFI reserves the right to " reamortize '' a loan which is paid ahead, so that the payment term stays the same, albeit with reduced monthly payment amounts, but refuses to give borrowers the benefit of a " paid ahead '' status. They justify this by claiming the reamortization is to avoid a balloon payment at the end of the note. However, if the loan is paid ahead, there is no way there could possibly be a balloon at the end of the term. It is mathematically impossible. This claim is made on their website at : https : //www.sofi.com/faq/ under " Will making a large payment or additional payments change my monthly due amount? '' Paid ahead status is useful for building a " cushion '' so that you can skip a monthly loan payment, and use your income for an unexpected expense. Without it, many borrowers will run into unexpected cash flow issues, which could easily be avoided.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 i requested a refund from a company Ive done business with using my paypal debit card. The company sent this refund to my original payment method which was my PayPal debit card. Upon receiving the refund showing in transaction history hours passed and it still wasnt released so I called PayPal upset but not disrespectful wondering what was the hold up this time as Ive been down this road with the company before all of a sudden I need account verification and a million other hoops need to be jumped through in order to recieve my money!!! When I use my debit card there arent any hoops to jump thru but upon receiving a refund I cant simply have my money sent back to the original payment method. Now they are sitting on my money awaiting me to send them banking details I have no bank or apply for credit with them I have no creditworthiness with them so Im stuck without my money not our money my money!!! The same money thats easily verifiable through my transaction history 2 parties involved this money is easily traceable yet there needs to be all these excuses as to why it cant simply be refunded to the original payment method. I am beyond upset as this is my money. Again it isnt our money I just want whats mine and I shouldnt have to fight and get my XXXX XXXX all raised because they want to play around with peoples livelihood I am a hard working consumer I need my money and not to be messed around with.
Product: Debt collection

Wallet was stolen in 2020 in XXXX California, My drivers license, social security and cash was stolen from me.
Product: Debt collection

In XX/XX/XXXX I received a phone call from Hunter Warfield in regards to my lease with XXXX XXXX XXXX XXXX.. I was not even aware that the issue was at the agency since XXXX XXXX XXXX agreed on the lease payment and requirements for breaking the lease. 
Since then I have received phone calls From collection agency Hunter Warfield at home, cell phone and work without my permission. I have asked several times NOT to call my work desk. They call Several Times a Day- Everyday Except Sundays. 
I spoke with XXXX XXXX XXXX  via Email regarding the amounts needed to satisfy the breaking of my lease prior to any of this happening ; before I even moved out. The satisfaction details are stated below. 
1 month Rent for the Month I was there- XX/XX/XXXX- {$1200.00}. 
1 month Rent fee for Breaking the lease- {$1200.00} In addition, I would forfeit my deposit- {$3000.00} This is what was agreed upon. I provided XXXX XXXX   XXXX with my new address and never received the final Amounts. The only communication came when Hunter Warfield called me with the amount of {$4300.00} I Have since received 3 letters in the mail and countless phone calls.
Product: Credit card or prepaid card

I have an American Express Hilton HHonors Card since XXXX, 2017. On XXXX, I add XXXX authorized cards for my family through XXXX spending offer for adding authorized cards. The offer was " add an authorized for XXXX Hilton HHonors Credit Card, and spend {$500.00} in three months, receive XXXX Hilton Honors, up to 4 additional cards, up to XXXX bonus ''. After we received these four cards, I activated them through Online Chat with the help of one specialist. And in the next one month, we finished all the spending request on these four cards. We should received XXXX Hilton HHonors. But we only received one XXXX points on XXXX XXXX. I tried to chat with one specialist, he said I need to wait for 6 weeks. 6 weeks later, still not the left XXXX bonus. I online chatted again, and someone help to submit a investigation on my points and said it would be top priority and will finish in days. About one week later, I connect XXXX through online chat again, and this time the SP said there will be not XXXX points for me because the left 3 authorized were closed by XXXX. How would that be? I applied through XXXX authorized card offer and activated them by the help of XXXX and finished all the spending request. But only give me one bonus, and then closed the other three ( Before XXXX closed them, we already finished the spending request ), I also connect them several times, and did n't help me solved the problem. Lied to me, did n't give me the other XXXX HHonors and even closed these three accounts! How can I trust XXXX next time I need to open authorized cards for my family?
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX 10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX and sent a card in and they confirmed with a certified letter that it was not an authentic XXXX 10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed on my recent Transunion credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from Transunion, XXXX  and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Product: Student loan

Allied Interstate at XXXX continues to want more money from me for my student loan. I gave them my account number to withdraw the amount we had agreed on, but this is the third time that they continued leave tons leave phone messages for to return their call. I do not want to keep talking to them over, and over and over again. We had agreed on an amount, and they called me back and wanted more money so I agreed and the money was deducted from my account. Today ( XX/XX/XXXX ) I called to see what they wanted because they are leaving so many messages on my phone, no one else can leave me a message. I was told that I needed to pay more money after they had re-reviewed my account with them. I had sent them my paycheck stubs, and whatever else they wanted, but they are never satisfied. I am requesting that my account is returned to Department of Education so I may returned to their forgiveness program in 10 years and they are more professional. Thank you.
Product: Debt collection

My loan was transferred to SST I never had any idea it did they would agree to terms then call back and leave messages. I eventually got tired because they would call and call and call. I called them back and advised that I would like to settle but when you try to settle the account with them no one that works for them knows about the letter they sent so you are back and forth again with calls all day long from them. I receive more than 5 calls per day at all hours from this company
Product: Credit reporting or other personal consumer reports

I file disputes, Due to wrong and unverified information. I was a victim of a data breach and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage information is reporting inaccurately. Dates are inaccurate
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX   Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, I am the owner of my Capital One Bank acct, with routing number : XXXX ; an account XXXX. My account was closed with a remaining balance of {$18000.00}. I tried calling, emailing, ect .... Still no REASON as to why my account was closed with the funds available. I been a member over a year & a half with capital one bank, and then this happens. Can you please help me access my funds as soon as possible, It has been about a year that it has been closed.
Product: Mortgage

My ex husband got a house in my name. he XXXX XXXX  me i filed for XXXX  and the magistrate ordered him to refinance to get in his name in XXXX XXXXHe didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with XXXX XXXX. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened fraudulently as a result of unauthorized access to my personal information.

ACCOUNTS : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3400.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have repeatedly contacted Discover. My card was stolen and they setup an XXXXXXXX XXXX account. Discover did refund historical charges but refuses to block new recurring charges. XXXX tells me they card is active and associated with an account and because Im not on the account they cant remove it. Neither party is willing to fix this. Basically every month Im going to have to contact discover to dispute a new XXXX recurring charge. Since its recurring, they say theres nothing they can do about it. 

I first contacted approx XX/XX/XXXX when I saw the charges. On XX/XX/XXXX was my most recent call. I told them explicitly if this is not resolved Ill contact CFPB. They reiterated they set up a block for new charges but arent able to block recurring charges. On XXXX XXXX charged me TWICE for XXXX for XXXX, and theres a XXXX statement credit on XXXX that I guess was automatically triggered. I cant get Discover or XXXX to stop fraudulent charges. 

I cant get them to stop. Please help me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are Consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, as noted in 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' American Express is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : following the written instructions of the consumer to whom it relates. '' American Express, the financial institution, and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information, and they do not have my written permission. All acquiescence to XXXX, XXXX, and XXXX, American Express, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) declares that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is elucidated how the consumer can exercise that nondisclosure option. '' They never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) discloses, '' Except as authorized under subsection ( b ), 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. '' This account is a negative item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A reveals, " 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. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/2023 and a balance of {$1800.00}. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2. 
( it also states, a consumer reporting agency can not furnish an account without my written instructions under 15 used USCS 1666B a creditor may not treat a LATE payment on a credit card account under an open and consumer credit plan as late for any purpose. Please update to paid on time because the information being reported is NOT accurate