23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated in XXXX, when I started repaying my loans I realized I couldn't afford it. I made several calls in XXXX to try and get this managed, my monthly payments were lowered enough for me to afford temporarily. I ended up deferring my loans. I had a hard time getting approved for continued deferment despite being employed under full time hours and still being unable to afford the payments they were asking for. I was charged several late fees when I was trying to get them back into deferment and was told that I couldn't continue deferring them because of my employment status, even though I still qualified. I was never offered alternate repayment plans when I was on the phone with them. I tried to talk to someone about consolidation in XXXX and they gave me extremely confusing instructions and basically told me to figure it out myself ( which I didn't till later ). I can not afford $ XXXX a month for 300 months with XXXX children to support. This is absolutely absurd that they wouldn't work with me to try and get a realistic payment plan together or tell me about the public service loan forgiveness. I also find it interesting there is no access to billing history online, I think it's probably a convenient way to hide overbilling when my loans were out of deferment. I eventually gave up trying to get in touch and work anything out. My loans are still in deferment due to my employment status, I don't know what I will do when that changes and I have to try to get them to give me affordable payments.
Product: Checking or savings account

Myriad of issues with this bank. Problem started Sunday XX/XX/22 when I received a fraud alert on my account. I? asked the representative to allow me time to go to the bank to withdraw funds prior to shutting down my debit card, and was refused. They told me I could use the digital wallet on the app. When I attempted to use it, I was told I was ineligible for it, and would have to send money via XXXX to another person and have them withdraw it to access my money. The bank then refused to issue a temporary debit card until the new one arrived. I then deposited a check on Tuesday XX/XX/22, and was told that XXXX of the funds would be available on the XXXX, and the remaining XXXX would be available on the XXXX. Later the same day I was told the entire check was being held until the XXXX. I attempted to call the bank multiple times, and was hung up on multiple times. The check was from the XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, a XXXX check. I withdrew the funds so that I could fund a move, and now do not have access to the funds to do so.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 a hard inquiry was listed from XXXX XXXX Ive made several attempts to call the company for proof of reporting information however I was put on hold and this situation was never resolved.
Product: Student loan

I was denied Public Service Loan Forgiveness after making my 10 years of payments and told I didn't qualify because I was on the wrong payment plan. I was never offered any payment plan options. I have applied for the new Temporary Public Service Loan Forgiveness months ago but have been given no decision either way. Fed Loan, XXXX and others have been awful to deal with, giving me wrong information and terrible service.
Product: Credit card or prepaid card

It is with the Capital One Credit Card company. One Vendor has  made an unauthorized duplicate charge on my card and Capital One has failed to properly investigate the charges. Most of the details are given in the documents uploaded in Step 3.
Product: Credit card or prepaid card

I purchased XXXX XXXX XXXX in the Fiscal Year XXXX using my Discover Credit Card that expired XX/XX/XXXX. XXXX sent me numerous reminders that the card needed to be updated for renewal to continue the agreement for the software. 

However, I chose not to renew the agreement. I have never purchased any software directly from XXXX other resources have been utilized. 

On XX/XX/XXXX I received an alert text notification from Discover that {$99.00} had been deducted for XXXX XXXX. A telephone call was placed to Discover to inquire about the transaction. 

The Discover representative requested that I contact XXXX concerning the issue. During my conversation with Discover I question as to why I was billed on XX/XX/XXXX although the card date on file for XXXX expired XX/XX/XXXX. 

To avoid any late charge fees for any pending disputes payments are rendered timely. On XX/XX/XXXX the Discover outstanding balance was paid in full. 

A Discover notification informed me on XX/XX/XXXX that I have an outstanding balance of {$55.00} although the full balance was paid on XX/XX/XXXX. 

Again, I called Discover fully explained that the full balance had been paid. The representative stated that the issue was concerning the XXXX XXXX. 

I stated that they illegally allowed the transaction of {$99.00} because the card XXXX had on file expired XX/XX/XXXX and I had never updated the information to continue with the renewal. 

The representative justified the XXXX deduction until I informed her to research her files to see the expiration date of XX/XX/XXXX. However, she refused to correct the balance of {$55.00}.
Product: Debt collection

Wakefield and Associates at XXXX XXXX XXXX, XXXX Tennessee XXXX has been sending me collection notices in the amount of {$870.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

Dovenmuehle Mortgage Company is refusing to remove the PMI from my mortgage payment /escrow account event after my property 's " As Is '' value ( as referenced from Dovemuehle 's documentation ) brings the LtV well below the company 's required LtV of 80 %. 

I have recently had an appraisal done which indicates that my property 's value is $ XXXX ; this appraisal was not ordered by Dovenmuehle. While Dovenmuehle does require that they order the appraisal, Dovenmuehle has provided me with documentation which confirms that they are aware that my property 's LtV is well below 80 % without the need for an appraisal. 

I have made several attempts to resolve this matter with Dovenmuehle, but they continue to give me the run arounds, and appear to be calculating the LtV using my loan balance - loan amount versus loan amount - property value. 

I have emails and documentation from Dovenmuehle which confirms the dates and amounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the FCRA for reporting inaccurate information regarding I, the consumer. Transunion does not have my consent to furnish this information regarding a charged off XXXX XXXXXXXX account. The Fair Credit Reporting Act states all information should be accurate. This charged off account has caused me great hardship. I have sent in a complaint about this account and the only thing Ive received are deleted inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information for my life. The items I need deleted are listed in this report. I am identity victim of identity theft and did not make the charge. I ask that the items to correct my credit report .I reported the theft of my identity to the Federal Trade Commission XXXX and I also have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. Please please delered all the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.
Product: Credit reporting

I Contacted Equifax In XXXX 2016 about Getting a replacement PIn Number For A credit Security Freeze they sent me a letter about XXXX forms of ID Well I sent in the Documentation they Reguested ( 3 ) times and I still have no pin. there only response was dated XXXX XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters to remove the extended fraud alert from my credit alert.

I received a letter from Equifax dated XX/XX/2021, asking to provide identification information and I have sent this information before. I am not asking to extend the fraud alert. I am requesting to remove the extended fraud alert.

Letter enclosed from equifax. With the letter I sent, along with social security card and copy of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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

XX/XX/21 - XX/XX/21 there was fraud charges on my Discover credit card. Large transactions from various XXXX XXXX and XXXX were made as well as smaller restaurant charges. Totaling to {$6900.00} now with added interest it is {$8900.00}. 

My Discover and XXXX credit cards were stolen but I only found out after 2-3 weeks after the fraud charges were made. 

I let Discover know right away as I caught the fraud. They issued me a new card and reassured me that I wont be charged for those transactions if they are not made by me. They did let me know they will also do an investigation regarding the dispute and that I need to file a police report as well. Which I did make. Police report is attached.

After about 2-3 months Discover added that fraud charges back into my account. They said that the reason they found it to be not fraud was because the transactions were made around my home city, I shop at XXXX XXXX frequently and the person using my card made a return/exchange. 
I spoke to the container representative that their reasoning does not make it not fraud! I let them know I did not make those purchases and I will not be paying. 

I reached out to the police department regarding my case and they told me they closed the case because from their understanding Discover had already taken the fraud charges off my account. I had to explain to them that now Discover is saying from their investigation it is not fraud and the the XXXX didnt understand why when a suspect hasnt been identified. 

I dont understand how and why they approved all these large transactions. It does not match my spending patterns at all. Discover should have declined the transactions. My XXXX XXXX credit card was declined right away when the criminal who stole my card tried to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a XXXX loan with XXXX that was purchased by XXXX XXXXBut it shows on my credit report as me owing both parties when that is not the case. Im wanting XXXX removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to XXXX XXXX Transunion XXXX and XXXX XXXX If not all three XXXX is the first one.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX Citibank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated with fraudulent po box
Product: Credit card or prepaid card

On XX/XX/22, there was an unrecognized and unauthorized charge in the amount of {$79.00} on my FNBO business credit card from the third party merchant, XXXX XXXX. I contacted the merchant right away to report the transaction. The representative advised that I would need to request a refund from the person/ company who received the payment. I was provided instructions on how to go into the app to request the refund from the person/ company. After sending the request for refund, I immediately received a notice that the person/ company had declined the request. I advised XXXX XXXX of the matter at which time I was told that there was nothing that they could do because they are a third party merchant. They suggested that I contact my credit card company for assistance. I contacted FNBO to file a billing dispute for the fraud transaction. After a month or so of filing the dispute, I followed up with FNBO only to be told that there was nothing that they could do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I called Experian credit Reporting agency regarding My negative remark on my XXXX XXXX XXXX account. The negative remark was caused by my disputing a fraudulent charge on the account which caused my credit score to drop significantly. I provided my social security number, date of birth, address all correctly. I was not able to answer their security questions regarding my current account balances correctly so I they said they could not help me. I asked for a supervisor and told her that I could not start to even fathom how asking for a account balance that is perpetually changing is the only security questions they could come up with in order to help me. I had no issues with XXXX XXXX in verifying my identity and was not asked ridiculous questions about account balances. How could anyone know the date at which they looked at an account balance in order to match up and pass their security questions. Also the fact that disputing fraudulent charges causes ones credit score to drop only encourages consumers to not report Fraud!

2 ) My second complaint is regarding XXXX XXXX Credit reporting agency. I contacted XXXX XXXX in regard to My XXXXXXXX XXXX ( XXXX XXXX ) account information and I disputed account information and the outcome was that XXXX XXXX erased my XXXX XXXX account from ever having existed on my credit report. When I contacted them further they allege that the company XXXXXXXX XXXX ( XXXX XXXX ) stopped reporting. So I contacted XXXX XXXX and they stated that they have been reporting to XXXX XXXX. So I went back and forth and even wrote letters to both XXXX XXXX ( XXXX XXXX ) and XXXX XXXX with no explanation or any pleasant outcome. So I am filing these two complaints in hopes to attempt to rectify these situation and would appreciate some help and a response to these issues!
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 proces 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, credit repair services, or other personal consumer reports

I've have sent out letters going back from the XXXX of XXXX and then again on the XXXX of XXXX. I have asked for accounts to not only be verified but a record of how they verified it and to take it off my report if they can't resolve this matter. I ask for it to be done in 30 days because from my understanding by law they only have 30 to 45 days to answer and I've heard nothing.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX XXXX, is in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and Experian are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I made a payment on XX/XX/XXXX and that payment was accepted and applied to my account. I then made another payment on XX/XX/XXXX which has yet to be applied to my account. I called on XX/XX/XXXX and they assured me it would be applied. I have not been sent a statement since XX/XX/XXXX but still made payments to avoid default. On XXXX Nelnet told me that I was in default and that my loan was sold back to the original servicer and that my payment was forwarded to them. So I called and held with XXXX XXXX for 50 minutes on XXXX. They could not locate my account and told me that my loan was not in default and not their hands. My account now shows " Paid in Full '' when I log into the Nelnet website. I still do not know where my {$300.00} went and I still do not know what status my loan is in and I have no idea how to get help when every person I have talked to at Nelnet has given me a different story about what is going on with my account. I contacted the XXXX office last night XXXX and they stated that my loan is in fact held by Nelnet and in good standings and advised that I should file this complaint. Lastly, prior to not being able to make payments, all of the payments I did make throughout the year have been applied to interest.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX. I sent Experian documents starting on XX/XX/24 via upload and mail. I kept calling and they kept saying they didnt receive it. So I finally sent it in one more time on XX/XX/24 via upload and certified mail. I sent in every document they asked for on the site. I called for 4 days and they finally told me on XX/XX/24 that my paperwork was invalid. Ive sent the proper documents to them on multiple occasion. I even used their templates they provided. My letters are clear and concise. All paperwork is signed and dated and I sent in identification. They are giving me the run around and its not fair to me as a victim trying to start over in my life.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 any account without my written instructions 15 U.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 other 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.