23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX, the loan amount was {$31000.00} I made what should've been a principal payment on XX/XX/XXXX any amount of {$4500.00}. Wells Fargo split this payments into {$1400.00} went to web direct payments paying the next three payments out till XX/XX/XXXX. They apply the additional {$3000.00} the principal. On XX/XX/XXXX I made a principal only payment of {$4900.00}. On XX/XX/XXXX I made an additional principal payment of {$4900.00} on XX/XX/XXXX I made a principal payment of {$4900.00} XX/XX/XXXX I made a principal payment of {$4900.00} on XX/XX/XXXX I made a principal payment of {$4900.00}. On XX/XX/XXXX I made a principal payment of {$1700.00} leaving a balance of {$140.00} at this time when I clicked on pay off this loan it gave me a payoff amount of {$150.00} I contacted Wells Fargo by phone to ask that the three payments that were taken on XX/XX/XXXX be reversed and added as principal only as they should. After two more conversations on the phone with Wells Fargo they finally managed to do that on XX/XX/XXXX. On XX/XX/XXXX it finally showed the new balance of {$81.00} however it still shows a payoff balance of {$150.00} I went to a local branch at Wells Fargo and spoke with XXXX XXXX. He could not help. I contacted Wells Fargo by phone one more time and they maintain that payoff amount is correct at {$150.00}, it appears to me to be an error that when my payoff amount on XX/XX/XXXX was {$150.00} with the balance of XXXX  {$140.00}. That on XX/XX/XXXX with a balance of {$81.00} my payoff amount is still XXXX {$150.00}, this can not be correct something in the system is missing something. It should be noted that on XX/XX/XXXX to correct the {$1400.00} that went to future payments they reversed all of the payments and then reapplied the payments all on XX/XX/XXXX I have made every earnest effort to resolve this with Wells Fargo, it appears no one there either in person nor on phone is capable of critical thinking.
Product: Credit card or prepaid card

XXXX XXXX Credit Card company called to say someone was trying to open a new account in my name. I had not applied for a new account. The Credit card company suspected fraud and called me to verify if I had applied. They then cancelled the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}
Product: Debt collection

Im starting this dispute because I paid off a collection to Credit Collection Service for XXXX on XX/XX/year>. I was told the item would not be removed but closed and showing that the balance amount will show {$0.00}. They closed the account but still had reported I owe them {$600.00}. I disputed with XXXX who denied my dispute saying that the reporting information was correct even though Ive submitted proof of payment from my bank statement and a letter from the company of payment completion date. I tried to submit another dispute and was unable to and redirected to this website to complete yet another dispute.
Product: Student loan

XXXX XXXX  wrongfully applied the annually-recalculated, monthly Revised Pay As You Earn ( REPAYE ) payment for my student loan. As I am in repayment and on the REPAYE payment plan, I should make 12 monthly payments before my payment is recalculated. XXXX applied the newly recalculated payment amount for this year one month early. Instead of 12 monthly payments at the old payment amount, I made only 11. When I called XXXX and brought this to their attention, XXXX said they would look into it. That was over two months ago and I still haven't heard from them. By wrongfully applying recalculated amounts early, XXXX is in effect overcharging student loan holders. Correctly handling student loan accounts should be XXXX 's foremost priority. It appears to me XXXX is failing in handling this responsibility. Please look into this for me. Thank you.
Product: Debt collection

Called me all times of day and night with nasty attitude, and was told not to contact me, it got stressful
Product: Checking or savings account

On XX/XX/XXXX, I deposited at a Capital One ATM a check for {$20000.00} made out to me from the trust fund of my attorneys, drawn on XXXX XXXX XXXX. I was informed at the time that the funds would be available in 3 parts- XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This didn't seem particularly unusual, and I made several financial commitments based on these dates. 

I was informed by email the same day that the reason for this delay was " we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. '' This claim of " confidential information '' seemed odd at the time, as the source of funds was a law firm trust fund, hence unlikely to be unpaid. 

All these dates, however, have now passed and although the funds now show in my balance, Capital One has failed to make any of the funds available to me. Calls to Capital One get nowhere, and I am now told that the funds will be available XX/XX/XXXX, with no additional reason given, and that " there is nothing they can do about it. '' I am severely inconvenienced and embarrassed by the fact that Capital One continues to hold onto my funds for 7 days without a specific reason, and has failed to make funds available according to the schedule they originally stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
Product: Checking or savings account

These individuals seem to have un official customer service and I did have problems accessing my account checking via online service due to confusing marketing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ). Due to the inadequate customer, service and unfair practices which violates the consumer, financial protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an 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 fraud transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and a financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

i recently received my credit report and noticed I have been a victim of identity fraud and noticed numerous fraudulent accounts on my credit report I have also included a identity theft report with this complaint please remove these fraudulent accounts from my credit report as the law requires. 

aargon agncy account # XXXX date ( XXXX  XXXX XXXX XXXX # XXXX date ( XXXX
Product: Credit reporting or other personal consumer reports

Both XXXX and Waypoint Resource group are reporting false information on my credit report. According to their records I have a charged off account with charter communications as of XX/XX/2023. I did not have an account with XXXX XXXX at that and have not had an account with the company in quite a while. These two companies have failed to provide me with an itemized list of what these charges they are claiming I owe or for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that charter communications has sold this alleged debt to this company.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXX XXXX XX/XX/year>. Experian XX/XX/year>. XXXX. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Prepaid card

I attempted to contact Cash app in XX/XX/year>2021. Concerning some unauthorized charges on my account. However I was unable to get in contact Cash app. I emailed them and no response. The amount that was removed from my account was over {$100.00}.
Product: Money transfer, virtual currency, or money service

A purchase was made through Cash App where the recipient did not supply the item. I immediately tried to stop or refund the payment through Cash App and reported the fraud. XXXX XXXX XXXX reversed the charges pending investigation and referred me back to Cash App. My legal firm advised me to file a complaint as I have provided documentation aka proof of fraud.
Product: Debt collection

XXXX XXXX took over my XXXX dollar credit card account from XXXX XXXX XXXX I missed a payment and they started threatening me and harrassing me by countless phone calls and mailings. they even threatened with a law suit. and now its doublled to well over XXXX dollars. I have contacted them telling them my health is declining rapidly and I am on both XXXX and XXXX. I have even sent them doctors statement as well as copies of my income My neck and spine is degenerating and narrowing and i have allready had 1 XXXX   XXXX on it. There is nothing more they can do and I will eventually wind up in a wheel chir. Neither of wich matter to them. They keep increasing the debt owed even though I told them there is no was to pay them back.. They told me communications would cease but yet they increase the amount owed?? My credit is not the greatest XXXX XXXX and XXXX XXXX XXXX and its due in part to this credit account. Any information you may need you can email me at XXXX my private email address. 
Thank you both for your time and attention to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, Experian and XXXX approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX  plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally on my credit I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Debt collection

Re-submitting as I listed the wrong company... it's not originally owned by XXXX XXXX Portfolio Recovery acquired two debts XXXX XXXX and XXXX. Both bough in XXXX and XXXX XXXX  in XXXX. 

I logged into my bank acct and noticed a debit labeled GARNISHMENT and our acct had been emptied to a XXXX balance with both our electric bill and XXXX XXXX bills pending. I wasn't aware of anything except a payment plan he has with the IRS. Fearing that something had happened I logged into our IRS acct but everything was current. I told him I would log into our local clerk of the court site and see if anything was there because we had not received anything from anything. I saw a case from XX/XX/XXXX that we hadn't been notified about and clicked the link and it said Portfolio Recovery and a garnishment had been granted for {$1100.00} for my XXXX XXXX  acct. I kept clicking the paper symbols to view documents and eventually found one I was supposed to have received to submit information to contest the garnishment within an allotted amount of time ( I'm the head of household ), along with paperwork that XXXX XXXX  would have received as well. However, now the allotted time has passed to contest the garnishment. Also, the statute of limitations on the debt to peruse legal action has passed. The debt was sold off to Portfolio Recovery in XXXX, however, this debt hasn't been paid on in at least XXXX yrs and the statute of limitations in Florida to pursue debt with legal action is XXXX yrs. This garnishment shouldn't have been granted to Portfolio Recovery in the first place. I also plan on contacting the State Attorney General. I did file a complaint with the state attorney general on XX/XX/XXXX as well.
Product: Credit card

Synchrony Bank via XXXX opened a credit card account in my name. They sent me the card which I did not activate. Nevertheless they opened the credit card account and certain XXXX charges ( all justified ) were charged to that account. XXXX denied any association with Synchrony and Synchrony refused to close account unless I provided information they should not of had i.e. birthday, Social Security number etc. I refused and they told me there was nothing they could do to close the account. Numerous calls to Synchrony produced no resolution although they did waive an unauthorized {$1.00} charge. After many complaints to XXXX I finally received a letter from Synchrony stating I was a victim and someone had opened an account in my name. Yes, but it was Synchrony that opened the account and activated it without my permission not some unknown person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX  XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD SERVICES XXXX, JPMCB CARD SRVICES XXXX
Product: Student loan

I can not get a clear answer on PSLF timeline from Mohela or the Dept of Ed. Mohela and I agree that my last ECF was processed in XX/XX/2022, a year ago, putting me over the 120 required payments to qualify. My account accurately reflects the payment count and I've received a letter that I qualify. Mohela says it's a 90 day process, but it's been a year and my loan has not been discharged. I called about discharge for months, and they claim it will take another 90 business days each time. Every time I call I get a new date for the start date of the 90 days, and no one can tell me why it's been a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Mortgage

I started working with XXXX XXXX in late XXXX while I was XXXX. At the time he was working at Loan Simple and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XXXX/XXXX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left Loan Simple in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX HOP program so he 'd given my loan to XXXX XXXX at Loan Simple! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. Then said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XXXX/XXXX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I  cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!