23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate under 15 US 1681e b accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to.

15 US 1681i Treatment of inaccurate or unverifiable information in general if after any re investigation under paragraph ( 1 ) of any information disputed by an consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. please remove the following items from my credit report immediately. 
XXXX XXXX- {$3900.00}, Inquires XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX Closed Accounts XXXX  {$2200.00} Old Employers : XXXX XXXX XXXX, XXXX  XXXX XXXX
Product: Student loan

XXXX  was closed and I am not satisfied with the company response.   My original complaint : YOUR COMPLAINT After my  XXXX  in   XXXX   XXXX  , I decided to go into a public service position that I am still working in. I was aware of the  Public Loan Forg  iveness pr ogram and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in   XXXX   XXXX  . I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In   XXXX   XXXX  , I decided to submit my application to see where I stood. I received a response back in   XXXX   XXXX   stating that none of payments qualified. I contacted th e FedLoan  Services at  XXXX    XXXX   XXXX   to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a public service position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in  2009  when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham.  XXXX   XXXX  :  XXXX  University,  XXXX   XXXX , MO.     Company response : Uploaded PDF. I could not access the pdf to review the full response. I will respond to the comments listed. " FedLoan Servicing advised the borrower of the eligibility requirements for the PSLF program. FedLoan Servicing advised that the borrower 's loans were placed on  a 25-year Standard Level repayment plan, which was not eligible for the PSLF program. FedLoan Servicing encouraged the borrower to apply for Income-Driven Repayment ( IDR ), which is eligible for the PSLF program. " I was not advised that going on a repayment plan   of 25 years would make me ineligible for the PSLF program. To the contrary, I was told that if I made regular payments under the 25 year repayment plan that I would be eligible for the PSLF. I still do not understand how you can make 10 years of payments under a standard plan and still have a balance that would be forgiven.
Product: Credit card or prepaid card

I have a HSBC Credit Card.My Card No. is - XXXXMy Credit Card due was Rs. XXXXDue to my bad financial condition I was unable to pay the dues.On XXXX a person from HSBC Bank came to my office and threatened me about the dues.He forced me to give Rs. XXXXNow, After that, I have informed the bank that, I need settlement due to huge financial problems.HSBC / Agency continuously called my office landline number.Yesterday, I have got warning from HR in my office that if any further phone from bank will happen then I will loss my job.Now, tell me sir, I work in a private company.After loosing my job I will not be able to pay the outstanding dues of HSBC bank.I wanted for settlement.But, they refused.I am helpless.
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity. If can not verify please delete XXXX XXXX : WRONG PAYMENT HISTORY XXXX XXXX : WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX : WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQ XXXX XXXX : ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX : THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX : THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX XXXX : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX : Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX : Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on XXXX  & EQ XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX : 90 DAYS LATE ON XXXX & 60 DAYS LATE ON EQ THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON EQ BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED XXXX HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity I just want these accounts deleted
Product: Checking or savings account

XX/XX/year> I deposited a check into my Wells Fargo Checking account. The check was payment from one of my clients and it was in the amount of {$28000.00}. I was given a reciept for the deposit into my account. I recieved an email on XX/XX/year> from Wells Fargo stating they taken the money back from my account due to an invalid image of the check. I called the branch where I deposited this check and they refered me to corporate enterprises eci and I spoke to XXXX. He could not help me so they transfered me on the to escalations area and I spoke to XXXX. XXXX still could not help me and passed me on to XXXX and then she forwarded to XXXX at the small business cusotmer advocacy. XXXX processed a dispute within Wells Fargo. When I spoke to XXXX on the phone I had the impression the issue would be resolved within 10 days. However I recieved a message via email from XXXX at the small business resolution team stating that they would respond within 10 busiess days but may need more time to research. When I spoke to XXXX on the phone he said there was not guarantee this would be resolved in 10 days. I have tired to speak with XXXX a few more times without sucess. This is putting a hardship on my business, myself and my family.
Product: Debt collection

XXXX XXXX approved financial services on a term of 36 months for work needed to be done on my teeth. Account was set up on auto pay for 36 months. At the end of the 36 month term of payments made the account was deemed paid in full. Which was never reported on my credit report. 

6 months after the account was paid in full. XXXX XXXX is alleging that they didn't get paid for some of the services performed from insurance. Is now saying I owe additional monies because of their bad accounting. I was never informed during the 36 month payment process that additional monies were owed. Until it showed up on my credit report as a collections account.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for-profit online schools such as the one I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX, the Biden administration has announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient was a `` preferred '' lending company in a " deal '' with these schools during the early XXXX. 
These private loans with a high risk of default were part of a package deal offered to " for-profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least 150 for-profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for-profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient does the right thing and discharges all these predatory private loans made to attend online for-profit schools NOW! 

Link to XXXX XXXX 's 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 have been trying for 3 months now to obtain my credit file, and credit report, and have been unable to get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Employer : XXXX  Date Updated : XX/XX/2010
Product: Credit card

I applied for the Amercian Express card. I have charged XXXX dollars on the card. Because of a bad service I decided to cancel card after couple of weeks. I cut the american express card. When I received the bill and wanted to pay it through bill pay, American Express bill did not have the full account number. I called and requested that my account number be sent to my home address on record after answering all the security questions. American Express refused and insisted on getting my own financial information over the phone. I am not comfortable giving my bank information to a customer service rep who might be in a different country. 
I am concerned that not paying the bill on time will affect my credit history which is excellent. I just need the account number to pay the bill and they are refusing. All other major credit card companies have the account number of the bill. I do n't understand the problem.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFRB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times through the years and reporting discrepancies, myXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and thats tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Payday loan, title loan, or personal loan

Hello, I have attempted to settle this issue by calling XXXX and PayPal. I have made no less than XXXX calls and initiated more than XXXX chats. Neither XXXX nor PayPal has assisted in resolving the issues. On XX/XX/2023, I ordered XXXX products from XXXX. The total price was {$150.00}. 

I had previously obtained a XXXX time use ( XXXX XXXX ending in XXXX ) credit card for approximately {$350.00}. ( But I only used {$150.00} ) of the allowed balance. I have attached a screen shot of the transaction. 

Of the XXXX items, I returned XXXX. There's screen shot that has this information as well. 

XXXX advises that it is not an XXXX error. PayPal advised that it will be resolved. In the mean time, I have been subjected to PayPal withdrawing and attempting to withdraw {$81.00} repeatedly. ( Causing my account to be overdrawn ) Please excuse all of the screen shot, but this was the only way that I could think of to get you the information. 

Please review. Any assistance that you can provide would be greatly appreciated
Product: Debt collection

All of my debts with XXXX were paid as bills due before my account was closed. There is no account number, bill date or other information provided.
Product: Credit card or prepaid card

I did a balance transfer for a 0 % rate with HSBC back in XXXX and just realized today ( XX/XX/XXXX ) that I've been getting charged over 16 % interest on it. I have never received a statement or a letter telling me I wasn't getting the 0 % and in reviewing finances today saw this. I attempted an online chat with the company then had to call twice and explain the situation having been disconnected the first time and was told that the offer expired XX/XX/XXXX but they didn't process it until XX/XX/XXXX which is why I didn't get the offer rate. I told them I didn't agree to paying the higher rate and someone should have contacted me to ask if I still wanted it processed. I paid it off immediately today after finding this out but want them to refund the finance charges as I've now been charged {$560.00} I wasn't expecting on this over the last 9 months. I feel as though I've been cheated and am blown away they could do this without notifying me that I would paying over 16 % on this, I never would have had them process this balance transfer had I known that. They said they can refund me {$26.00}, a half month of finance charges but that is it. I have asked for it to be further elevated but I'm not confident that they will.
Product: Debt or credit management

I filled a dispute with midland management to send information about an collection account that i know is not mine I never did business with midland management
Product: Checking or savings account

Had a check deposit in my account and its been frozen for over a month now almost 2 and Ive done everything on my end and have even had people call and verify. My funds need to be available now its getting to be XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am absolutely certain that the items ( Chapter XXXX Bankruptcy -Case Number : XXXX and Chapter XXXX Bankruptcy - Case Number : XXXX ). Please remove these inaccurate items from my credit reports. I disputed as incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate how these items were verified. I would like to see a complete list of all documents and correspondence within. Please include all names and contact information of employees that you spoke to as a part of this investigation and verification. Your company continues to have a dismissed and filed Bankruptcy on my credit report, this is an unconfirmed and unverified dismissed bankruptcy stopping me from obtaining credit. I know your company receives public record information from the third party XXXX XXXX. The XXXX XXXX is inaccurate and incomplete. I am asking for this verification because my credit score is important to me, and I believe that it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record ( XXXX, TransUnion and XXXX  ). Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully
Product: Mortgage

OCWEN Loan Servicing took over my loan in XXXX 2013. They are claiming we are 2 months behind on our payments. I have documentation of XXXX cashed checks representing the XXXX months we have been serviced by OCWEN. They have not applied our payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not perform a reasonable investigation. I've disputed my XXXX Consumer account ( # XXXX ) with Transunion multiple times over the Terms being incorrect and asking for deletion. The last two dispute, I even sent the actual contract. The contract says 72 months but XXXX  changed it from 77 to 74. How does this happen? How can you investigate with possession of the actual contract yet you let this creditor get away with posting the wrong info. This has gone on for months. 

Also, I've disputed XXXX XXXX due to incorrect payment status. The loan was paid in consolidation. it says it's closed and 120 days late. How can this be. I asked for deletion of this account but the inaccurate info is still there. 

Trellis company. Multiple disputes on XXXX  ( proof attached ) and Terms of the ordinal creditors loan. How did they verify this information. XXXX  is XXXX of XXXX. How did you verify my terms to be " XXXX  ''? who did you speak with? How much was the monthly payments in which i defaulted on? 

Bank of Missouri : information was verified as correct, but they did not list a human who verified this or show what documents back up the XXXX. 

Finally, XXXX XXXX, disputed the account was overaged yet they verified the DOFD to be accurate. I'm confused as to how that can be. 

I DO NOT believe Transunion conducted a reasonable investigation on any of these accounts,
Product: Debt collection

On XX/XX/2023, i sent Portfolio Recovery Associates a certified letter see attached, disputing their claim and requested validation of me owing them and my signature for their agency. I asked them if they were licensed in my state and they did not verify this information. On XX/XX/2023, i received a letter from Portfolio Recovery stating that my dispute was irrelevant. The letter stated that this is communication from a debt collector but is not an attempt to collect a debt, then why is it showing on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX again! I have same issue, Transunion Credit company has some problem with my credit reporting, I have had issues with XXXX but they have fixed, not utility bill which was negative in my TU report, removed in XX/XX/2022, still my score is not balanced, more than one year car loan installment paid on time, still when I applied, TU shows " Lack of mortgage, or loan of large amount '', score decrease quickly, but XXXX does not, I understand I have had inquiries but my payment history extremely excellent, they do discriminate based my background, XXXX increasing my score significantly but TU does not, there is no negative account in my history, TU must have to answer my questions. They also do not enter my PAID OFF account as positive account or as PAID in FULL. They track increasing credit balance but never react on decrease balances, they attract lenders so they can use their TU reports more than XXXX or XXXX. I am very much disappointed. CFPB must take stern action against Transunion