23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX I began XXXX XXXX in XXXX and have spent over XXXX years now working in XXXX XXXX and as a participant in the XXXX XXXX XXXX XXXX XXXX. I have worked for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the past XXXX  years, I have diligently submitted employer certifications and have surpassed the XXXX payments required for the XXXX XXXX XXXX XXXX XXXX. I have struggled with Mohela and the Department of Education for the payments to be counted accurately. There is no question that I have made the XXXX payments or that I have submitted all of the required documentation. I have filed several complaints with the Consumer Financial Protection Bureau about this same issue. 

The most recent correspondence from Mohela shows I have XXXX remaining payments when my employer and I just submitted the final certification to show that I am actually in overpayment now. Mohela continues to collect money from me and not forgive my loans or show that I have made more than the required XXXX payments. 

It is simply unfair and un-American for someone like me to have worked so hard, experienced such incredible hardship and stress to be denied the freedom to have my loans forgiven. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was attempting to call an XXXX customer service number about a package that was stolen. I called the number that popped up when I googled XXXX customer service number. They stated they were XXXX customer service and walked me through a process I thought was to get a refund. They had me send several XXXX payments to what I was told was a server that would trigger a repayment. I realized this was obviously a scam and hung up the phone. They sent several fake texts saying the money I paid for my package had been returned, as well as calling me multiple times to say I needed to finish the process. I immediately called Wells Fargo to let them know what happened and to cancel all XXXX transactions. The banker I spoke with canceled my debit card and sent a new one, assuring me that the XXXX payments would not go through because they were still pending and those payments would be canceled and returned to my bank account. The next morning, the payments had not been canceled, they had been sent and confirmed, I called Wells Fargo back and they informed me I had received incorrect information, and the banker should have filed claims for me to fight the transactions. The claims for each XXXX payment were then filed, totaling {$2400.00}. I waited 10 days and then reached back out to Wells Fargo to check the status. I was told the bank reached out to the bank that received the money and asked for a refund and they refused so the claim had been denied and there was nothing else they could do. The bank informed me that those payments from me were " authorized '' and therefore Wells Fargo was not going to refund me, even though I was not aware that I was sending money. 

Wells Fargo is holding me liable for unauthorized transactions, after telling me the transactions would be canceled.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We were issued new cards on an account we don't use or want. I tried to close the account a few weeks ago ( one of the cards is in my name ) and the customer service agent would not allow me to close the account because the account was in my husband 's name. Today my husband called to close the account. My husband is extremely hard of hearing and had trouble understanding the credit card rep. The rep did not want to close the account and kept arguing with my husband. My husband was getting frustrated because he could not hear or understand the rep. He then informed the rep that he was going to hand the phone to me and the rep didn't want to talk to me. I finally asked for his supervisor and when she came on the line we went through the same ordeal. After telling this rep several more times that we didn't want to account, we think she may have closed it, but because she, too, insisted on talking to my husband, we are not sure if the issue is actually taken care of or not. This was a totally frustrating experience and we are extremely upset that we had to be subjected to this kind of " customer service ''. The card in question is a Shop Your Way Mastercard issued by CitiBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX ; Account name : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Account name : XXXX XXXX, XXXX, XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX XXXX 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.

15U. S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Believe I am a victim of identity theft or mistaken identity. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. 

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

Cash App should be XXXX XXXX. 

This app is a money eater. Transactions declined with no explanation. Can't add a payment method to withdraw balance with no explanation. Can't cash out my balance to an EXISTING payment method with no explanation. No error message telling me my account has been flagged and what to do about it -- it's just that the money goes in and then they cut off all ways of getting it out. 

This company has NO PHONE SUPPORT, so the best you can do is send an email and pray to XXXX a human gets back to you. I have {$150.00} tied up in Cash App right now and it's ALL THE MONEY I HAVE IN THE WORLD. This is the worst financial company on the planet. When I entrust a company with my money and they stop me from spending it, I GET XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXXdue to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : BBVA bank is in violation of Regulation E AND 15USC1692. BBVA is mandated to CHARGEBACK {$590.00} ( UP TO XXXX ), AND GIVE ME MY MONEY. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX Owed XXXX {$2000.00} XXXX FS XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I am a retired XXXX veteran who was XXXX in 2009 and had to file for bankruptcy protection against the ex-wife as a result. Bank of America is using bankruptcy information from 15 years ago against me and continues to deny me credit. It is my understanding that bankruptcy information can only be used to make credit decisions for seven years.
Product: Credit card

I recieved calls and messages from my XXXX brothers, their XXXX wives, and my father stating a man is continuously calling them and leaving messages about a delinquent credit card account and they are filing court papers the next day and he needed to speak to me. I called him, and the credit card # he says i have is wrong for one and then he told me i had to pay {$510.00} right then or id be in a lot of trouble the next day. I told him it was not possible and that thats not my credit card number. He started to yell at me and threaten me, saying he knows im XXXX and id better pay it now or he would be sure to get my XXXX. I hung up on him. He called 3- 4 more times and left a threatening voicemail on our phone. His name is XXXX XXXX XXXX, and he told all XXXX of my family members what debit he was going to collect from me or such and such would happen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHAT ARE YOU GOING TO DO WITH MY FINANCIAL LIFE POSSIBLY BEEN DESTROYED AND MY ALL INFO BEEN UP FOR BAD GUYS GRAB TILL THE END OF MY LIFE AND FOREVER EVER??????????????????? 
I GAVE NO CONTENT TO KEEP MY PRIVATE INFO AND USE IT WITHOUT MY EXPLICIT CONTENT! 
CLOSE ALL CREDIT SCAMMING OUTFITS - THE INFO THEY HAVE IS MY PRIVATE INFO - I DO NOT WANT IT TO BE KEPT IN ONE PLACE " GUARDED : BY XXXX  MUSIC MAJORS
Product: Credit reporting, credit repair services, or other personal consumer reports

I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, Sallie Mae and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Product: Debt collection

This company calls me 15+ times a day and has now started calling my parents on both their landline and cellphones. They dont ask my parents for my current contact information because they already have it. They have shared private information with my parents stating that they are trying to collect a debt. I have asked them to stop contacting my parents and they wont stop. I also get calls every day of the week including starting at XXXX on Sundays.
Product: Mortgage

there is a XXXX dollar and change lien showing on my title report and its on public record. this is definitely a mistake and needs to be erased and re recorded for the proper partial claim that was given by hud, hud is not showing this amount anywhere this needs to be corrected as quickly as possible as i am trying to refinance and i can not move forward with this lien on my account please fix it.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My student loans were on the REPAYE plan which was supposed to be converted to SAVE. All of my loans were initially converted to SAVE but then without explanation several were taken off of the SAVE plan. I have spent hours on hold and finally spoke to someone that said I would need to reapply for the SAVE plan. I reapplied and now they are telling me it could take up to 90 days to resolve this issue. Today they debited my account for one amount that doesn't match the amount due, an amount that is far higher than it should be. I want my loans immediately put back on the SAVE plan, and the correct payment account calculated.
Product: Mortgage

My mortgage company would not take my payments, I missed the due date by approximately 1 week. I called to arrange. I simply lost track of the dates. which I do sometimes. I called and requested to speak with a supervisor to see what I could do.I was denied the opportunity to speak to a supervisor and the person on the phone reported if I wanted to hang up the phone I could. I was speechless and upset. I proposed to pay now and in tow weeks to catch up for the month and told NO. I would have to do a loan modification. This process took over 13 months, ruined my credit, went to court to be insulted by the mortgage company rep who stated to me the mortgage company has no intention working with me, the judge said he could not stop foreclosure. The only choice i had at the end pay XXXX or pay {$2400.00} an month for over 2years. I did not get a chance to speak to anyone to report my case verbally to anyone. This leave me just enough to pay gas, utilities and some food.my mtg was approximately {$1200.00}??? I expected maybe {$1500.00}, but not {$2400.00}?? I have lost a lot of then put my house on the market before anything was finished. People walking my yard, all times on Saturday around the house. I was afraid. I hae tired to ge to the so called rep and each time I am giventhe 3rd degree and never is the phone answerd, I have leve message and just stopped. People are still comeing once a moth putting door hanger on the door for me to call and not be able to speak to the rep. Told me my house is still is the forclosure stage for the next 2years. This is crazy. I could pay and they are forcing me out in the worse way. i have there for 8 years. Great neighborhood and good neighors. Sad. I try to be responsible, I am a veteran with XXXX and try not to use that as an excuse. Done. I along with others would like to be heard by someone who cared and could explain without attempting make me feel like I am a nobody. i make a good salary, I am intelligent, but hits unbelievable. I want to know who owns my loan. This mtge company is the Worst. I go to a doctor for the stress and it is just too much. If they I have requested time and XXXX to walk away. I am tired and mad, and hurt, the country and a lot of the companies. here have lost sense of community and working with people. I am not asking for a hand out. Even if I get no help I will make sure many people here the story and name of this mortgage company an NEVER work with them. VA did not to assist in counseling and helping me through this mess ... va loan joke.
Product: Credit card or prepaid card

In 2017 I contacted you all and filed a complaint against Synchrony Bank subsidiary GE Capital. They w6trying to cheat me..DECEPTIVE practices. 
Since in retaliation they have ran my credit at whim by the way is good XXXX  XXXX and as I pay my bill down they report I only have a limit of about XXXX when limit was XXXX plus on 2 occassions. It makes my account appear I'm over my limit as they lower my limits based on some XXXX  they camu up with. I have not used the card since 2017 and dont plan to because they are deceptive lying cheating CROOKS. They do this to make my credit and score look bad. They are the ONLY CREDITOR that I have these issues with though in good standing. This forces me to psy lump sums to them when the agreement after contacting you I would not have to but they twisted it DECEPTIVEly to make my credit with them look bad. 
Keeps lowering my limits for no reason to get more money make it look like I've used more than 90 % of the card whe I haven't used it at all!! 
Checking my credit without permission causing hits o did not authorize which affects my score all out of being XXXX I reported them to you.
Product: Mortgage

XXXX XXXX, 2016 I have been working with JP Morgan Chase on a my loan modification ( Loan No. XXXX ). They have not credited all my payments to my loan, they forced me under threat of foreclosure to sign a subordinate XXXX loan, then told me by phone that I did n't need it. When they verified that I did n't need it by reevaluating me for my loan modification they did n't have me sign new loan modification docs to correct the error they admitted to they just sent me a copy of the originally signed loan mod docs without a copy of the XXXX Subordinate Loan docs I signed and they did n't send me a cancellation of it in writing. They told me verbally but did n't give me anything in writing. I have called four times and not one person is calling me back. 

Please report this to the correct agency for assistance. ( FTC, TILA ) Please contact Chase to help me with resolving these errors. 

Thank you, XXXX XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

This is a {$2.00} XXXX dollar 'pump and dump COVID-19 ' debt related securities fraud which parties include Citigroup , XXXX, and XXXX XXXX . This scheme was devised by the parties to use XXXX in facilitating international debt related payments from XXXX XXXX to third parties, which criminality falls under the RICO statute, or Title 18 of the United States Code, Section 1961 ( 4 ),  statutes of transnational COVID-19 organized crime. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

I need this account be deleted immediately Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX