23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I consolidated my loans with the explicit purpose to receive the benefits of the SAVE plan. After the consolidation, through no fault of my own, the terms of the save plan were judicially altered, such that the terms of the consolidation loan I consented to were in question. But for the benefits of the save plan, I would not have consolidated. The consolidation prevents the most cost effective manner of payment and accelerates the interest owed. The daily interest on 12 individual loans compounds differently than the consolidated loan. The financial institution that holds my note has been given an unfair advantage by changing the terms and conditions of the consolidated loan well after the time in which I would be allowed to revert to separate loans ( within ten days of consolidation ). 

In XXXX of 2024 I had many separate loans. Some of those loans qualified for SAVE. Some did not. I read the details for consolidation and terms and conditions to qualify for the SAVE plan. I made the very hard discission to consolidate after multiple conversations with NEL NET and Student Aid. Gov. I was explicitly told and all of the documentation instructed that the only way to have my loans all gain the benefits of the SAVE plan was to Consolidate. And so, I consolidated. I did this timely in order to receive the benefits of the SAVE plan. Months after this consolidation, the terms and conditions of my repayment was altered without any default or error on my part. 

This violates my right to choose how I engage with financial services. In this case, the federal government, president and courts many miles away very strong powerful enities acted to obviate my prior rights and void my ability to consolidate with an understanding of terms and conditions of the financial services. I am aware that many more actors and powerful factors are moving against my interests. THe CFPB is around to protect the informed consent of a borrower and even the field where financial institutions place an individula at an unfair advantage, moving the goal post for borrowers. NelNet will benefit from this false inducement by collecting nearly {$700.00} more than they were entitled to before my consolidation, which erases my disposable income altogether. 

HELP please
Product: Debt collection

I have disputed this debt on XX/XX/year> for the amount of {$80.00}. This company refuses to validate the debt and deleted this debt.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Cunsomer Financial Protection Act ( CFPA ). Specifically, Cashapp 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: Credit reporting or other personal consumer reports

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

To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, equifax and XXXX
Product: Credit reporting or other personal consumer reports

I appreciate the time the XXXX did to remove some items I asked them to remove. However, I found that the negative accounts were still in reporting in my Credit Reports. And I have requested the Credit Bureaus to remove them along with the previous items in my complaint dated XX/XX/2023 and XX/XX/2023, but only XXXX remove some items and Experian remained unattentive of my request. Once more please see the items I listed below FOR REMOVAL : EXPERIAN : XXXX XXXX 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: Payday loan, title loan, or personal loan

OPPLoans set up a loan account fraudulently set up by someone using my name online and my information. I didn't realize it was being deducted from my account as it is close to the payment that I pay for another loan. I've tried to contact the company for resolve but can not. it is therefore negatively affecting my credit.
Product: Debt collection

I noticed a collections account on my credit report for AAFES/Military Star Card in the amount of {$14000.00}. The account balance at close was {$7400.00}. I attempted to make contact with AAFES on XX/XX/year>, regarding this account via phone and email. When I recieved a response from AAFES on XX/XX/year>, I was told that The amount owed was {$10000.00} and I could pay it now. I offered to pay the the origional account balance at close in full plus interest, {$7800.00}. XX/XX/year>, I recieved an email that my account had been transferred to an outside collections agency, XXXX XXXX XXXX ( XXXX ). When I called XXXX, I was advised that my balance was now over {$14000.00} again? I was told that XXXX was a government entity, had the power to without a judgement take all my money, vehicles, home if needed to pay this federal debt. When I tried to ask why the amount changed overnight by over {$4000.00}, The representative told me that it was " Fees '' charged by XXXX. Once again I was instructed to pay the full about or they will take my taxes. I got off the phone with XXXX and called AAFES back, they refused to speak with me. I asked if they " sold '' the debt to XXXX, they said no, its just being " serviced '' by them. I have been trying to settle this account for over a year now. XXXX was able to, without a judgement, take my federal taxes, garnish my wages and still they say that I owe over {$10000.00}. Currently I have paid over {$6000.00} to XXXX for this debt. This type of collection has to be illegal. These " Fees '' they are charging that I am not allowed to know what they are for, they are also additional to a penalty interest rate. Every wage garnishment they take {$470.00}. They informed me that {$140.00} goes to interest, {$75.00} goes to their fees. I have called and emailed both companies more than a dozen times. They refuse to communicate in any written form. They want me to call so they can threaten me with more? When will this stop? I was never allowed to see the garnishment order, I am not allowed to pay on the account, there is not statement of fees and XXXX is not a government agency. I have filed a complaint with the Texas Attorney Generals Office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy, 15usc 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instruction under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries reporting on my credit report that were never authorized. I have disputed this information with TransUnion on several occasions including letters dated from : XX/XX/XXXX, XX/XX/XXXX, as well as over the phone with a representative. I have stated to TransUnion several times that there was no permissible purpose for these inquiries and yet they remain. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 US Code Section 1681b in general. Subject to subsection ( e ) any  consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I know that TransUnion is supposed to do their own investigation based off of my disputes which they have not done. Here are the inquiries that need to be removed : FACTUAL DATA Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2019 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. s 1681I ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and not just tell me that they are verified. I have never received anything from TransUnion stating that this info has been verified or HOW it was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX. I HAVE BEEN ATTEMPTING TO BLOCK THESE ACCOUNTS OFF OF MY CREDIT FOR SOME TIME NOW. DUE TO THE NATURE OF THE DISPUTE, IT IS A VERY SERIOUS MATTER AND AM NOW SEEKING LEGAL COUNCIL AND HELP FROM THE CFPB! 

PURSUANT TO SECTION 605B OF THE FCRA. ACCOUNTS AND INFO CLAIMED AS FRAUD MUST BE BLOCKED WITHIN 4 BUSINESS DAYS WITH ALL THE RIGHT DOCUMENTS PROVIDED. I HAVE PROVIDED ALL THE PROOF YET THE BUREAUS HAVENT BLOCKED THE ACCOUNTS!
Product: Money transfer, virtual currency, or money service

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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Carrington purchased my home mortgage loan from XXXX back in XXXX and I have had nothing but issues since. I have never missed a payment and even pay early, but they have not applied my payments to my account and show me in default. I have called them 4 times starting back in XXXX and each time they tell me it will be corrected and nothing will be on my credit report. These are both lies as my account still shows I am behind on my mortgage payments when I am not and also they have notified the credit bureaus that I am 60 days overdue on payments. I have attempted to dispute these credit reports, but Carrington lies to them as well and tells them I am behind when I am not. I have bank payment records from XXXX proving this fact and also proof of receipt by Carrington. 

This is criminal and needs to stop as false reporting on your credit tanks your score, hinders your ability to find employment, purchase a vehicle etc. Now I will have to hire real estate attorneys and pay excessive fees just to fix a problem they have caused. They should not be in this business.
Product: Credit reporting or other personal consumer reports

They are reporting dates late of XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. And I wasn't late at all.. I have provided proof of payments via bank statements and yes I have paid on 28-29 days but never OVER OR ON 30 days. However they tried reporting as such.

Balance is incorrect also
Product: Mortgage

The problem began approx. XX/XX/2022. I had a business loan for {$430000.00} with SPS. My monthly payments were $ XXXX. I had a XXXX % interest rate. For some reason, Select Portfolio Servicing ( SPS ) put money into my checking account ( around {$2800.00} ) that they were not supposed to put in there. I thought it was an escrow overage so I put the money into the stock market and unfortunately, I lost it. Then SPS contacted me to tell me I was behind in my payments. They told me it was not an escrow overage and that they made a mistake putting the money into my checking account and they wanted it back. In XX/XX/2022, I made a double mortage payment of approximately {$5600.00}. However, because my loan is a business loan, they have a default rate of XXXX %. So instead of using that money to catch up on my mortgage, they didn't apply it towards the loan and they sent the payment back to me because I was at default level, which was about {$7000.00} per month instead of {$2800.00}. Since I made the double payment, I believed I was current. I took a business trip to XXXX and I was gone for a month and I was not receiving any mail at my home in XXXX to inform me that I was in default. When I returned to XXXX I advised SPS of these facts but they did not try to help me. I also explained that during the trip to XXXX, my wife and I both contracted XXXX and it affected my earnings. I asked if they could help due to that situation and take me off the default rate so that I could catch up. They explained that it would take a month for them to decide if they would help. I requested that while we were waiting for the one month period if they could take me off the default rate but SPS said they could not do that. So after I waited a month, they declined to help me. Now my situation is worse because now I owe {$14000.00}. I contacted them in XXXX of XXXX five different times to see if they could help me fix this situation but I could only leave messages and no one would call me back. I had to come up with the money which put me in a hardship situation to get out of the default rate. At one point, SPS said they would possibly assist me with getting out of the default rate but they did nothing despite my circumstances. I spoke to a representative at SPS about the double payment and was told that the they should have never mailed that money back to me but should have applied it to the loan. Since I've had a loan with this company, they have taken out double payme nts three times without my permission. If there is something you can do to assist me with this predatory compa ny, I would appreciate it. 

Thank you. 

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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had the unfortunate situation where the merchant charged me {$950.00} for the XXXX XXXX. They utilized my XXXX XXXX from USAA that advised that if I didn't give them permission to use the card then it is considered fraud and per the terms of XXXX XXXX themselves has the area which shows it as a fraudulent transaction.

Please see the area below : Thieves may acquire records containing your personal information and/or account information from intercepted or discarded financial statements, payroll stubs, or other records sent to you or from third parties with whom you interact in your normal course of business where such information is disclosed.

My XXXX XXXX was on the XXXX   Webpage. The merchant in XXXX made the charge without my permission and I contacted them as a email came through to me. They advised me it was in error and it would be cancelled.

USAA had me completed the required Fraud forms and submit them and after many months came back with a non written response stating that I gave them permission to use my card. I firmly denied it and they insisted and then went into a personal matter I told them about my health. ( Per their request ) The USAA representative sided with the XXXX XXXX with no proof to back their position. They do not have a signature and they have my sworn statement that I contacted them in the window of cancellation with no charge if the employee hit a button during the call. I expected a company with a reputation that was built by XXXX  would not be soiled by lies and fraud.

I have requested all proof with signatures that show that I made the transaction. Additionally, the hotel is not admitting to calls and stating that I needed cancellation numbers which they said were not needed at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, EQUIFAX AND XXXX.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE ACCOUNT : XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's web site for providing online credit reports on XXXX, as required by the FCRA/FACT Act, has been broken for me since XX/XX/2015. Yes, that's nearly six years. Experian continues to break the law by not providing me with my credit report online as required by law.
Product: Mortgage

My mortgage was transferred to Valon Mortgage company in XXXX of last year and my monthly statements reference a bankruptcy that was satisfied and discharged in XXXX. This bankruptcy did not include the property to which Valon is servicing the mortgage on. I requested Valon to remove the statement, citing the above reasons and that the bankruptcy was closed over XXXX  years ago. I was told it could not be removed : OUR RECORDS REFLECT THAT THE LOAN HAS BEEN IMPACTED BY A BANKRUPTCY FILING. THIS MESSAGE IS BEING SHOWN FOR COMPLIANCE AND INFORMATIONAL PURPOSES. 
IF YOU RECEIVED A DISCHARGE IN A BANKRUPTCY, ANY PAYMENTS MADE BY YOU, ON THE LOAN, ARE VOLUNTARY. AFTER A BANKRUPTCY DISCHARGE IMPACTING THE LOAN, ANY INTEREST IS LIMITED TO THE PROPERTY ONLY, AND NOT YOU PERSONALLY. THE INFORMATION CONTAINED IN THIS COMMUNICATION IS NOT AN ATTEMPT TO REVIVE PERSONAL LIABILITY ON A DISCHARGED DEBT OR TO COLLECT A DEBT FROM YOU PERSONALLY.