23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.
Product: Student loan

We have several issues. According to Navient we took out several parent plus loans for our Daughter through XXXX. We signed only for XXXX in the first year, but according to Navient, there were more loans taken out, including when she was not attending XXXX. We asked for copies of the loan documents and all we received were one page docs, with my name typed in. Also the amount of the loans ( not counting interest ) far exceeded her tuition by two years. When we asked XXXX for copies, we were told they could not release them ( after they asked us if we were attorneys ). We were given a Navient Fraud Hotline which tells us that it is temporarily unavailable and to call later and then disconnects. Lastly, our daughter is and has been on XXXX and supposedly has had her loans forgiven, which makes the amount that I owe even crazier.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a natural person submitting this dispute. This dispute is not being submitted by a third party. I submitted a dispute letter to Lexis Nexius because they have violated my consumer right to privacy according to the law 15 USC 1681e ( b ) regarding a bankruptcy on file. I submitted a letter addressed from the United States Court that stated that do not report data to the credit bureaus or any third party agencies. Lexis nexius has ignored my efforts to remove this information from my credit file. Lexius Nexius has failed to do their due diligence to make sure my credit report is 100 percent accurate not negating the fact that they have completely violated my consumer rights to privacy being that XXXX and the United states courts do not verify information and it is the responsibility of the credit bureaus to make sure the information they publish on my credit report is100 percent accurate. simply matching a name and part of a social is not verifying information and doing their due diligence..
Product: Debt collection

LVNV Funding at C/O Resurgent Capital Services , XXXX, SC XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Bank account or service

When I opened my checking account online with HSBC it was advertised that I should get {$50.00} bonus for making a direct deposit to the account. I made direct deposit of {$500.00} on XXXX/XXXX/14, but I have never received {$50.00} direct deposit bonus.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to 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 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 for these violations.
Product: Student loan

I am in the process of switching from the IBR repayment plan to the REPAYE income based repayment plan. I have spoken with dozens of service representatives at my loan servicer, FedLoan, as well as called the Department of Education. I have gotten the run around and more than a dozen different responses. My question is whether the 4 years of payments I have made under IBR are transferred to the REPAYE repayment period of 25 years, i.e. I will have paid 25 years, 4 years under IBR and 21 years under REPAYE. Some people at FedLoan say yes that is the case and some customer service representatives are telling me otherwise. The other statements I am receiving are that since I have switched repayment plans, the term resets so I will have to pay 4 years IBR that I have already paid and switching to REPAYE, I will now have to pay 25 more years under that plan so in effect, I will have to make 29 years worth of payments before forgiveness because I switched repayment plans. 
It is a simple question about the terms of my loan. If my servicer nor the Department of Education can explain to me the terms of my loan or how the repayment plan works, how am I supposed to make an informed decision about how to repay my loans?
Product: Debt collection

This has been a repeat issue with XXXX XXXX the account there trying to have me pay on wasn't ever made by me the repeat phone calls at all hours and letter threatening to turn off my cable service now if not paid is on going threatening and there poor customer service skills aren't warranted at no time did I set up service at XXXX XXXX XXXX XXXX XXXX XXXX, Florida and when i asked them did the person give a proper I.D that's valid?? I've had service with this company for years and never before had customer service or experience this before and this needs additional attention not from me ... ... last message I left for them was XX/XX/2020 @ XXXX XXXX
Product: Debt collection

XXXX and G.L.A Collection Company has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

XXXX reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 a letter to correct inaccurate or outdated personal information on my Experian credit report was sent certitied mail via USPS.

I requested names, phone numbers and address be updated to the correct information I provided. As well as, removing all other personal details that I have not provided in this request as they are not deliverable or reachable at those inaccurate entries.

XX/XX/2024 Tthe dispute reuslts were made available through my experian.com account to find all inaccurate address still remain as well as 1 additonal phone number that I do not own and am not reachable at.

I also included a notraized copy of my driver 's license and social security card as well as my most recent utility bill substantiating my address.
Product: Checking or savings account

Bank of America has been charging me overdrawn fees for the last 4-5 years for at least 50 times during this period. I have two checking accounts and the same issue I have had with both accounts. You call customer service and they say they are legals fees associated with these accounts. They charge {$35.00} for each transaction and if you do n't fund you account in the next five days they charge you again another {$35.00} for each transaction. I have been a victim from Bank of America for this practice for the last 4-5 year.
Product: Checking or savings account

My XXXX University graduate student stipend for the XXXX semester was deposited to my Capital One checking account as a lump sum. The fund was approved by my university on XX/XX/XXXX. I expected to receive the fund by XXXX on XX/XX/XXXX at most. Unfortunately, when I didn't see the money around XXXX, I called the Bank and they assured me that they are having technical issues and I should give them a couple of hours. By the end of the day, I still hadn't seen my money. That was when I saw on social media that the bank had been down since XX/XX/XXXX, and there was no communication from the bank to that effect. As I write this report by the close of workday on XX/XX/XXXX, I still do not have access to my money, nor is there any exact timeline from the bank. This is the money that my entire family relies on, and I have scheduled payments that are due within these days. Worse still, this will be a long weekend since Monday is a XXXX XXXX, and it looks unlikely that we can receive the funds before Tuesday. 
Capital One has been unprofessional, callous, and unsupportive in handling this matter. At minimum, customers should not have to bear the consequences of the bank 's brazen and exploitative practices, as is evident in the latest federal lawsuit against the bank. This is another case of how Capital One treats its customers.
Product: Debt collection

I talked to them a month or so ago and I wasn't told my loan was overdue by an email or text. Or any kind of communication. Until they called and said they sent it to collections. Without telling me before hand. And when I wanted to pay it online, they told me that since it's in collections, I have to pay it over the phone. I am not doing that. I want to pay online. And they refused. Also, they demanded I pay the whole thing at once. And threatened to call my job and garnish my wages. So I hung up on them. So everytime I see the phone number, I don't answer it.And they have called everyday since then.I have tried to reason with them and all they care about is the money. So I am not going to try at this point. I will pay what I can. And the harassment is so bad, I have hired a lawyer.
Product: Debt collection

The department of education has breached the contract I had with them. XXXX gained access to my personal information. XXXX has presented itself as a government agency. XXXX is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with XXXX. Their dispute is with the federal agency who they entered into a contract with.
Product: Mortgage

I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I needed a letter of explanation he said he was going to send me one he never did said
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) To conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Debt collection

When I pulled my consumer report, I seen that Paramount Recovery reported an account in the amount of {$2700.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Paramount Recovery to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information.

Please find my personal details below for your reference : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX  XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My spouse and I attempted to transfer our business accounts to XXXX XXXX XXXX  this week in XX/XX/year>. XXXX XXXX XXXX  said they could not open our business accounts because XXXX said our business was high risk and there was mismatched information. Id like to find out why XXXX reported this to XXXX, but I can find no contact information for this company. Could you help me find this information that XXXX says it has about our business?
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with The Money Source not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, The Money Source has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.
Product: Debt collection

On XX/XX/XXXX Transworld Systems contacted me about a hospital debt for a procedure in XXXX at XXXX XXXX. They said that my XXXX XXXX XXXX only covered {$60.00} and that I had an outstanding balance of $ XXXX that I needed to pay. I explained that I had not had any procedures done and that I do not go to that hospital. I contacted my medical insurance, and they did not have a record of me going to XXXX XXXX let alone having a procedure done. I also checked my credit report and do not have any collections. I told Transworld representative that it appeared to be a fraudulent claim. They said they would investigate and send me a response. I know that collection agencies sell to other collection agencies, and I would like this to stop before it actually reaches my credit report. I am afraid that they may try to garnish my wages and tack on fees for something that never happened. Transworld called me from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Despite sending the proof of on-time payment, Specialized Loan Servicing ( SLS ) is refusing to correct information submitted to credit bureaus as late payments. The last complaint to cfpb ( XXXX, submitted XX/XX/2022 ) is closed with not real answer from SLS as to why they are not correcting the wrong reports to credit bureaus. 
I paid all my mortgage payments on-time and yet, Specialized Loan Servicing, wrongly reported my payments as late. I submitted proof and documents that shows all my mortgage payments that SLS claims to be late, were sent in form of cashiers checks with the date clearly shown that were paid before the due date. I am suffering financial and emotional problem while SLS refuses to correct their mistaken reports of late payment to Credit Bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never lived in XXXXXXXX XXXX, could be identity theft. 

To whom it may concern, XX/XX/2025 I am writing to advise you that the personal information on my credit report is incorrect, and it must be corrected. The address of (? ) is not my address and I have never lived at this address. Any accounts that are listed at this address is fraud and I have sent a separate letter dealing with them. At this time under section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES the above listed address must be removed and blocked from my credit report or I will file a lawsuit under sections 1681n. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. I am also requesting that you send me a corrected copy of my credit report within the XXXX days allowed. 

Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only had neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Mortgage

I notice on all statements there has been duplicate charges for insurance fees! I spoke with XXXX he instructed me that there will be a {$100.00} charge an hour to send over any information pertaining to the loan for XXXX. I requested the total amount thats been paid into escrow, the amount theyve been paying for taxes on the property.