23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dispute case XXXX was found in favor of merchant do to not cancel right. 
Refiled dispute XXXX. 

Bought XXXX XXXX tickets and XXXX XXXX. 

XXXX refunded my tickets so there is no tickets to insure or cover. So Im being forced to pay for an insurance product but there is nothing to insure. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ticket purchase XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. 

XXXX refunded the total back on XX/XX/XXXX of XXXX. 

But the insurance wont return the XXXX. So I disputed with Apple/sac
Product: Credit card or prepaid card

Synchrony bank closed of 2 of my Perfect history accounts ... XXXX MasterCard and Paypal MasterCard with absolutely NO warning and perfect payment history with them ... ..
Product: Student loan

I submitted an income-based repayment plan application in a timely manner in XX/XX/2016. 
Nelnet student loan servicing has mishandled my account over 8 times. 
I have been contacting them about their erroneous charges ( I am a XXXX veteran with XXXX dependent ) since XX/XX/2016. They insist that I owe them {$400.00} ... or {$10.00} ... or XXXX . They offer no logical reason for their continued mistakes and legal chicanery. 
I have been wrongly steered into Forbearance on Multiple Occasions. 
they ca n't seem to Understand that I pay {$0.00} as I have been for the past 3 years. Help!
Product: Debt collection

When my husband passed away in 2018 I moved out of my residence of 16 years. I was with PG for over 18 years.I got approved for Assistant with XXXX and they were going to pay my entire XXXX to XXXX. I worked on that approval for over a month to provide them with the death certificate of my husband and my hardship letter. XXXX was ready to pledge the entire amount to XXXX XXXX XXXX to close my account with zero balance. XXXX XXXX XXXX processed a payment from an unknown credit card and unknown individual that I personally did not authorize to send a payment to my account. I called XXXX  Over and over and they refused to give me the name of the person that made the payment. see XXXX is liable for damaging my credit report denying the {$2000.00} that I was receiving from XXXX and taking a payment from an unknown individual that was not authorized user neither was this individual on my account and as of today they still would not let me know who paid the {$1500.00}. that pay that sure did not help me but it created a balance on my account now it is destroying my credit report. just to clarify I am a XXXX XXXX age XXXX with no home at this moment. The collection company has taken this bill from XXXX XXXX XXXX and is trying to collect during the pandemic knowing that this account is fraudulent because XXXX took a payment from an unknown individual. It is almost illegal for this collection company to be collecting a XXXX XXXX XXXX account during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, Experian, and XXXX. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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: Debt collection

I have attempted to contact the company to get this removed with no success..
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX 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
Product: Student loan

I have been a XXXX XXXXXXXX in Indiana for XXXX years. I have been making payments on my loans with FedLoan Servicing ( www.myfedloan.org ) for most of that time, with some period of time deferred because I went to complete a XXXX XXXX XXXX so it can assist me with my profession and improve services to the public. 

After completing my XXXX XXXX program, my deferment period was misrepresented to me by the servicer which resulted in damages to my credit. Additionally when I began to inquire about how many payments I have made towards my XXXX  ( XXXX XXXX XXXX XXXX ) program, the agent laughed at me stating I still had another 10 years of payments to make. He stated that I was either in the wrong repayment plan, or some other convoluted explanation. I spoke with several reps even after they damaged my credit for non-payment during what I assumed was a grace period because I had an extra semester of classes to complete. Since I wasn't " Full time '' they tell me after-the-fact that this occurred and I was penalized for non-payment when I assumed it was deferred since I was still in classes for my master 's program. I disputed it with the credit bureaus and it took them ( fed loan ) nearly 12 months to respond, and the end result was the same and the damage to my credit remained for 7 years. It has finally dropped off my history and I have excellent credit again, but it was 7 years of XXXX. On top of being lied to, laughed at, and now looking at my repayment plan, I now see that I still have MANY YEARS of repayment left on my loans to qualify for forgiveness. When you figure in their deceptive " capitalized interest during forbearance '' practices or the fact that my repayment plan allocates the whole payment towards interest, my principal balance remains relatively unchanged in 16 years. 

XXXX 


These companies have evolved into financial GIANTS for a reason. It wasn't because of their honest practices. Now I am just making XXXX  payments to corporate executives. We all are. 


Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my credit report.
Product: Debt collection

I had argued with XXXX XXXX  about the defective security system that they installed and would not let me out of the contract. The system was constantly being tripped by hackers and I received a bill of over {$3000.00} from the City of XXXX XXXX for Security Checks on an alarm system that was reported to the City.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and the rest of accounts above 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: Credit reporting, credit repair services, or other personal consumer reports

Improper inquiries that I didn't authorize XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Credit Bureau XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

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 ( 15 ) days of the completion of your re-investigation. 

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

The collection Agency is listed below. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX XXXX!! **** has violated my rights. By Federal the FCRA they have the verify and provide 100 % proof validation. 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. 11115 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is the very first time see this falsely inaccurate information, I never receive anything documents from this company. They sent the proof of that, That I did not receive this certified mailing from them. But first thing first, That's not my signature on those documents and my name is spelled wrong.The second thing They are crazy enough to send these falsified and inaccurate document to your company. If you look very very closely you will notice that lot of things is very wrong. They sent to your company ( CFPB ) they sent the same document to your company twice one with their signature on it with no date and the same document with my miss spelled name and no date. It looks like to me someone trying to use some kind of pdf software or something.

They did add some kind of date Though. it's Out of place. The third thing is that they sent to your company that the account was created or open on XXXX XXXX, ,but at the same time telling the Credit Bureau the account was open on XX/XX/2020 Do you see what's wrong with this picture? That they are intentionally sending Factified information to your Company and the Credit Bureaus Mainly Trans Union. The fourth thing Trans Union sent me a letter in the mail saying that information was verified., but never send me anything show me that it was 100 % proof that it was verified. no documents at all ... .. discrepancies in information. they know that if any wrong information is on any ones credit report it had to be remove or corrected. It seems to me at the Credit Bureau don't care is the information is accurate or not as long as they get paid.
Product: Credit card or prepaid card

I was auto enrolled in paperless billing without consent by chase bank for my Amazon credit card. This actually happened twice. Once in XXXX and then again in XXXX. I called in when I noticed my account was past due the last week of XXXX and all of the charges were taken off. I would never sign up for paperless billing. I received an email last week that my account was past due again and I called in today, XX/XX/2021 and was denied by two different agents about removing the late fee. I went online and saw that my account was currently enrolled in paperless billing. The first agent told me that I was again enrolled in paperless billing because I paid my bill online two months in a row. Which is customary. The second agent told me that was not the case and that the first agent had no right to give me that information. The second agent also told me there was no record of me having paperless billing. Someone has to be telling a lie. I told him I was going to file a complaint. I have paid all my charges to the card, less the late fees and interest. I want the late fee balance removed and the account closed permanently.
Product: Checking or savings account

XXXX no warning back then if accidentally send to the wrong person
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian now closing complaints XXXX at time with no resolution but LIES LIES LIES LIES LIES
Product: Checking or savings account

Today is XX/XX/XXXX. Today Capital one bank closed my accounts due to me reporting them to the CFPB. Instead of helping me the back office decided to close my accounts. All I needed them to do was verify my check so it wouldnt be on an extended hold. I needed to pay bills and get my kids a few things for XXXX. I have been going through such a rough patch and when I finally found out I would be getting my settlement the first thing I did was call Capital One to see what I needed to do with the check. Since I dont have any branches in California I was told I could see if the issuing bank would cash it and bring the cash to the atm or I could deposit it in the atm. I took my check to XXXX XXXX XXXXXXXX and they said they had to order that much cash. So I called Capital One again to let them know. The agent told me to just take it to the atm so I did. The agent confirmed that it did make it to my account and to check my email in a few hours for email about when the funds would be available. I received the email that stated funds would be available Friday XX/XX/XXXX so I was like thats not too bad and it showed I would get some funds on XX/XX/XXXX and XX/XX/XXXX so I was like ok at least I can pay my car note on time. I then received a second email that stated funds were going to be held until XX/XX/XXXX because they received information that the check would bounce. So now Im freaking out I called my lawyer to let him know. My lawyer said he didnt believe that capital one received the notice because that would mean the defendant in the lawsuit would be in big trouble with the state of California XXXX I called Capital One and they told me they put my check on hold because they called the business to verify and they didnt get an answer. I let them know it was a Friday and it was after XXXX XXXX  they were probably closed. They asked for information to verify the check my lawyer supplied them with everything they asked for but they refused to use the information. So of course Im stressed I wanted to pay my bills and get my account out of the negative.
Product: Debt collection

Im a XXXX XXXX XXXX and I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the finance company that was referred by dealership. BMO is finance company. I agree that I do owe them however I pay them approximately 18000 per month for six vehicles. I currently owe them XXXX for month if XXXX and I have sent the last XXXX today. They wont recognize that we are in the Month of XXXX and they will not remove repossession order. The reason I know that is because repossession agent has informed us they are on the way to pick trucks up. I just feel they are pretty drastic when it comes to collection. We never refuse their phone calls. I spoke to dealership about this problem and they informed me that the finance company does this to be able to resale equipment all over again. Meaning they would have kept everything we sent in payments and then add the future income of what would come from resale. We get just as many calls from repossession company as we do from finance company. They seem to look forward to seeing us fail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # 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 15 U.S.C 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. In accordance with FCRA 605 B 15 USC1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I received an Offer from CAPITAL ONE regarding a UNSECURED Account in place of the SECURED Account number XXXX. Hereinafter XXXX. 

2. CAPITAL ONE opened UNSECURED Account number XXXX ( XXXX ) leaving me with two ( 2 ) Accounts opened, before closing XXXX and scheduled the return my deposit earlier than expected. 

3. The one ( 1 ) year mark for XXXX required CAPITAL ONE to release my deposit of {$200.00} was to occur in XXXX or XX/XX/2021, in any event. I did not ask or requested two ( 2 ) accounts to be opened with CAPITAL ONE.
Product: Student loan

I took out a Discover Student Loan to cover the additional cost of my education, especially when I transferred schools. 

The relationship started to sour 2 years ago, they stopped sending me billing statements. For 3 months, I had to call and harangue them about sending me statements, which every month they said they would send me a copy and correct the problem. It wasn't until I threaten to report them, did I start getting them regularly. 

As COVID-19 began ramping up, I contacted Discover Student Loans to find out whether or not it was possible to pay off my loan balance with a settlement offer. While I understood that it wasn't their policy, I wanted to understand what were some of my options. My questions were met with hostility. 

A week later my billing statement increased by {$100.00}. 
As I said to their customer representatives, anytime there was an adjustment to my account, I received a letter before the change - this time it seemed retaliatory for my previous complaint. I explained that I have never been late, I always pay more than the minimum amount and have all my previous emails and bills going back a year. 

One representative said he saw in her a computer that my bill did go from {$350.00} to {$460.00}, but was unable to explain it. He said he would send out an investigation report and they would give me a call back in 2-3 days. A week later, I called again with the same complaint and again the representative saw my complaint and looked into it with another team member and was unable to explain why it happened.

When they transferred me to a supervisor, the records that had once showed that my payments were {$350.00} for over a year, MAGICALLY disappeared and they SUDDENLY had records showing that my minimum payment was always {$460.00} going back to 2012!! I was incensed - and I wanted an answer immediately.

Again, I was told my another supervisor that I would be called in a few days. 
Those days have passed and I still have no answer and I have a bill {$100.00} higher and with no explanation of why -- in the middle of a pandemic! If their loan practices aren't illegal, it most certainly is unethical. I shudder to think of young college students at the mercy of their predatory hands. 

Now I am filing this complaint. 

NEVER, EVER take out a Discover Student Loan! 
They are horrible to work with and it's impossible to get rid of.
Product: Credit reporting, credit repair services, or other personal consumer reports

called Trans Union on XX/XX/20 ( spoke to XXXX and then XXXX ; he wanted a police report ) ... to have multiple inquiries removed from my credit report. They advised that they could not do so and my inquires that were removed and re-added were apart of the recent data breach. They did nothing to assist me. I have also mailed in several letters in the past to resolved this issue.
Product: Credit reporting

XXXX # XXXXThis collection agency is collecting for XXXX, which they bought the debt from. Enclosed is a letter and an invoice from them, which they are saying is enough to verify and validate the debt under 15 USC sec. 1692g. THE LETTER AND INVOICE IS NOT VERIFICATION AND VALIDATION. THIS ACCOUNT WAS ESTABLISHED THROUGH ID THEFT AND FRAUD AND I NEVER HAD AN ACCOUNT WITH XXXX. I ASKED THEM FOR 2 YEARS NOW FOR A COPY OF THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT AND THEY CAN NOT PROVIDE THIS INFORMATION AS EVINCED BY THE ENCLOSED LETTER. I never had an account with XXXX and this account is also re-aged and reinserted as it was removed before.
Product: Debt collection

On XXXX I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.