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

I have been complaining for over XXXX years that my account balance was inaccurate as there was an increase from {$61000.00} to {$64000.00} for no reason. I have been requesting my statement of account since then and requested again on XX/XX/XXXX and finally got a response in XXXX. The statement showed reasons for the increase below that did not make any sense to me. 

XX/XX/XXXX {$2300.00} Capitalization XX/XX/XXXX {$98.00} Capitalization XX/XX/XXXX {$1200.00} Transfer I requested for a reconciliation of this on XX/XX/XXXX and got a response on XX/XX/XXXX that it would take XXXX business days to resolve. I sent an email requesting the resolution status on XX/XX/XXXX ( way after the promised resolution date ) and they sent another email on XX/XX/XXXX that they can no longer provide a specific timeframe for the resolution. 

Please note that I hate being indebted and I have been requesting for my statement and reconciliation of my account for over XXXX  years so I could resume paying for the student loans. It is so sad and painful that I assumed there would be a freeze on my account during their investigations but this didn't happen and I have been dinged with about XXXX points on my credit score. 

I would appreciate it if you can assist with enforcing the correct balance and monthly payments with the borrower ( XXXX ) and get them to report the errors on their part to the credit bureaus so my credit score can be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I purchased XXXX XXXX from Mercari ( XXXX dollars ) but I have not received the item. It was supposed to deliver on XX/XX/2022 ( order placed XX/XX/2022 ). The tracking number provided by the seller said the item was delivered but I did not get the item ( today is XX/XX/2022 ). The seller is a newbie and he closed his account after received the payment. Post office did not recall that they deliver this item. Mercari has intention not to give me a refund. I used XXXX to pay for it. XXXX closed my case without permission. I used chase credit card via XXXX XXXXo pay for it. XXXX bank has no progress. 
I do not think it is fair for me to pay XXXX dollars for the item that has never arrived. 
Mercari is very irresponsible to the situation that happen to the customers. 
XXXX closed my case without my permission. I do not understand that at all. 
Please step in and help. 
Sincerely, XXXX XXXX
Product: Debt collection

I am filing this complaint on behalf of myself. On XX/XX/2021 I sent a certified letter requesting that I be provided with documents validating this alleged debt. It has been well over 60 days and they have failed to respond which is in complete violation of my Consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or give permission to these companies to report my private information. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports this is violation of my federal protected consumer rights.
Product: Vehicle loan or lease

I was told the total of the truck was XXXX my payment would be XXXX a month. I get my payment book and every payment says XXXX I call XXXX XXXX XXXX the guy says it because some months have more then 4 weeks in them. I make my 1st payment then by the time I make my 2nd payment they saying I owe XXXX dollars on the truck the paper work I signed the only paper work I got says XXXX but the kcredit place says I owe XXXX saying I gave the sales guy permission to sign my name on form which I never did so I was not aware of me being locked in for 5yrs paying XXXX a month oweing over 12,000 dollars in interest I was only made aware of it once I made a complaint to the credit people about my account saying I owe XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries I didn't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their own ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident. This failure on the part of Equifax to secure my personal information such as my SSN has now has cost me several hours, some money ( to freeze my credit with 4 bureaus ( including Equifax themselves ) and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future for the rest of my life. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Student loan

Please help me with figuring out how to get back on track with my monthly payments. I have been speaking with XXXX XXXX since XXXX of XXXX for help. I was ill and not working for most of XXXX and could not keep up with the payments due to having high risk XXXX. I was told by XXXX XXXX there was nothing they could do on my first attempt to contact them in XX/XX/XXXX, In XX/XX/XXXX I was advised to apply for lowering pays but the rep never sent the application. XX/XX/XXXX I was advised I wouldn't qualify via online tools and rep. XX/XX/XXXX I applied for temp XXXX and I was denied based on my loan type. Now I am thousands behind.
Product: Student loan

I originally filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and the company responded on XX/XX/XXXX. In short, back in XX/XX/XXXX, my spousal consolidation student loan with American Education Services ( AES ) was placed into forbearance against our request. When our monthly account payment was not debited as normal on XX/XX/XXXX, I called American Education Services ( AES ) and was surprised to learn that our loans were placed into forebearance. Since that time, I have been engaged with AES through approximately 10 phone calls and multiple hours on the phone to correct the forbearance issue and also resume a similar monthly payment schedule on our loans. 

As of late XX/XX/XXXX, AES did correct the forbearance issue and was able to remove the forbearance from the account and correct other delinquencies which were listed on the account as a result of the forbearance error. We appreciate these corrections. Due to the forbearance, however, AES also explained that they had to redisclose the terms of our consolidated loan because the account was placed into forbearance. I was originally told that my new monthly payment amount would be {$560.00} and would be auto debited on the first of each month to begin on XX/XX/XXXX. Unfortunately, no payment was debited from our account on XX/XX/XXXX as promised/stated and I had to log in and do a manual payment after XX/XX/XXXX. I have been regularly monitoring the account through XXXX and I can see that the direct debit payment amount is still incorrect and the payment terms that I have been quoted multiple times have also not been updated. 

Since being assigned an AES senior account specialist, XXXX, I have been assured that the terms of our loan would be redisclosed with an end date in XXXX and that our monthly payment amount would be approximately {$560.00}. When I log into my account on-line, however, AES is showing my monthly payment amount of approximately {$350.00}, but this is incorrect. I want to request that AES update my online account and monthly direct debit to the amount and loan terms that I have been quoted multiple times on the phone. Again, the monthly direct debit amount should be close to {$560.00} with the loan repayment being completed sometime in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.
Product: Mortgage

On XX/XX/2019 I purchased a cashier 's check in the amount of {$1100.00} for my regular mortgage payment. After leaving my bank, I noticed that I had had it made payable to XXXX XXXX XXXX XXXX XXXX, rather than Penny Mac Home Loans. I marked through the " XXXX '' and wrote " Penny '' above it. The check was mailed. On or about XX/XX/2019 I received a letter from PennyMac Loan Services, LLC stating that the check had been returned to my financial institution as " unpaid '' and that I needed to submit a payment. After receiving this letter, I tried contacting PennyMac on a weekly basis to see what had happened with my check. On XX/XX/2019, I went into my bank and spoke with an officer with the bank. She explained that the check had NOT been returned to the bank as " unpaid '', instead PennyMac deposited the check into their account with XXXX XXXX XXXX She assisted me in contacting PennyMac, and on XX/XX/2019 provided a copy of the front and back of the paid check. She also contacted, with my permission, PennyMac to try and resolve this issue. Over the past two months, at least four attempts have been made by myself and my bank officer to try and get this resolved. Representatives at PennyMac will tell me that the situation has been " escalated '', but that I am due for what amounts to the XXXX payment. Last Thursday, XX/XX/XXXX, I received a phone call from a XXXX at PennyMac who stated that the payment had not been made, all investigations were complete, and that if I did not make another payment I would be turned over to a collection agency, late charges assessed, and reported on my credit. I have made more than adequate efforts to resolve this issue. PennyMac deposited the check into their account, and without it being returned by the paying bank, it was a properly payable check, and yet they refuse to resolve this issue that they ultimately created in XX/XX/2019 ; it is now XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experianfor failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I mark as an accurate... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX and a XXXX  service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XXXX XXXX XXXX  to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my Experian credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by Experian. On my XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by Experian and XXXX. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.
Product: Debt collection

Debt was told t o NCB Management , I settled with them, they are reporting on my credit report as a collection account event though they do not have a contract with me. I have asked them to remove it from my credit report, I agreed to pay the settled amount. I have no obligation to  NCB  there is no contract.  XXXX  wrote this off and sold the debt. but  NCB  was constantly calling me at home and at work and I did n't know my rights and agreed upon a settlement because I was trying to get my credit back on track after getting behind due to some medical bills and did n't want them to keep calling my place of employment. This debt settlement will be paid in full in  XXXX .
Product: Debt collection

Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted. Portfolio Recovery Associates only provided a letter from XXXXXXXX XXXX stating the account was sold to Portfolio Recovery Associates and to contact Portfolio Recovery Associates if I have any concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts with TransUnion, XXXX, and XXXX have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.
Product: Credit card

On XX/XX/XXXX I received my statement for my OneMain Financial Brightway credit card. 
I had previously called them on XX/XX/XXXX to report my card as lost with pending charges unknown. The last time I used my card was on XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX for XXXX purchases. 

After my credit card statement was available on XX/XX/XXXX, I sent OneMain Financial a letter listing all the transactions that were fraudulent and asked that they be disputed. They were multiple transactions made on XX/XX/XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX, OneMain has not responded to my letters sent in XXXX to dispute these transactions that was sent to the address that is on my XXXX billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 - Experian - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021 - Experian - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - Experian - XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 - Experian - XXXX XX/XX/2021 - Experian, XXXX, XXXX - XXXXXXXX XXXX XX/XX/2021 - Experian and XXXX - XXXX XX/XX/2021- XXXX - XXXX XXXX on report twice )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen which included but was not limited to Federal income taxes being filed without my permission. On XX/XX/2018 I requested the validation of these 2 accounts on my Experian credit report : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX I received a letter stating that the debts were verified with no supporting original documentation. Telling me that the accounts are correct without validation does not support a valid investigation per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). They are only stating the exact information that I questioned to begin with.
Product: Student loan

To Whom It May Concern, I am writing to formally lodge a complaint regarding my outstanding Borrower Defense application for XXXX University and the servcer Mohela. The widespread misrepresentations and predatory practices by this institutions have caused significant financial and emotional harm. 

The Department of Education has already substantiated claims of misconduct, including XXXX Universitys false advertising of job placement rates between XXXX and XXXX. They claimed that 90 % of graduates secured employment in their field within six months, a statement that was grossly inaccurate and misled thousands of prospective students. This deceptive marketing included misclassifying mid-career student employment and excluding graduates who found work outside their fields of study. 

The consequences of this systemic fraud has been devastating, with carrying burdensome debt and enduring limited career opportunities. Despite these findings, the processing of Borrower Defense applications has been unacceptably slow, leaving borrowers in financial limbo.

I respectfully request that the CFPB take immediate action to address this issue by : Ensuring the prompt approval of outstanding Borrower Defense.

Facilitating the discharge of loans tied to fraudulent practices and full refunds Coordinating with credit reporting agencies to repair the credit histories of impacted by removing debts incurred under false pretenses. 

The delay in resolving the application perpetuates the harm caused by this institution. As students and graduates, we pursued education in good faith, only to find ourselves victimized by deceptive practices. Justice and financial relief are long overdue, and immediate action is necessary to mitigate the lasting effects of this exploitation. 

Thank you for your attention to this pressing matter. I look forward to your response and swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX 3 unauthorized charges where made on my Home Depot card on two different stores. They never used a pin # when purchasing the items. 
{$150.00} at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$36.00} at city of XXXXXXXX XXXX XXXX - XXXX unauthorized charges were made on XXXX different stores. 
{$630.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Home Depot allowed the purchases to be made without asking for a pin #. I never authorized transactions.

After viewing the results of their investigation, which it states that an embedded chip and was used at a chip enabled card reader and I did not identify fraudulent transactions ( which I called right away after receiving suspicious activity via text ). And lastly it states that the information they had wasnt enough to support my claim. After reading this, I called reopen the claim and asked for them to provide video footage and I was told they could not do that. 
On XX/XX/XXXX, I was at work from XXXX. And XX/XX/XXXX, I was home and left to my sons basketball game and thats when I was notified about the suspicious activity. 
I ask that Home Depor do a better investigation. For the investigator to actually get up from his/her chair do go to the field and do the investigation, instead of running report and make a decision based on reports. I ask they they do a better investigation on how my Home Depot card was used. How used it by doing face recognition Show me that I did the purchases!!

These transactions are fraudulent and Home Depot should have asked for a pin #. How is it possible for Home Depot to allow purchases in these amounts and never ask for a pin # or 2nd identification. Home Depot should be protect the consumers and not make us an easy target for fraud.

Also, investigator never once contacted me for clarification.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Accounta name : XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX and I have an account with Cash App that I use to collect funds from time to time. I have by bank account linked to it to withdraw and send money. 

A few weeks ago I lost my phone and have been unable to access the account. At the direction of Cash App I created a new account so they could linked it and provided them the details of the accounts in question. They responded and asked for pics of my ID and myself holding it which I sent as well. Since then they have been entirely unresponsive and I have a significant ( to me ) amount of money locked up in the old account. 

The account I can no longer access is XXXX XXXX and the new account I created at their request is XXXX XXXX  They are holding my money hostage and provided no assistance. There is not even a phone number I can contact them with. 

Please help me. Thanks!