23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was awarded {$7500.00} from XXXX, the Pennsylvania XXXX XXXX XXXX XXXXXXXX under a program called the XXXX XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX It was meant to help pay for student loan balances for XXXX  who worked for nonprofit organizations during the XXXX XXXX. XXXX sent the funds to my student loan servicer, Nelnet, in XX/XX/XXXX via electronic funds transfer. Nelnet has not credited my account with the funds despite me calling them many times. I have been told many stories. First they told me that there was no account number attatched to the funds and that they would have to wait 30 days to make sure noone else claimed it. The 30 days passed and when I called multiple times to see why they still haven't credited me, they said on multiple calls that they are just behind and that's just how long its going to take. I called XXXX last week on XX/XX/XXXX, to see if I could get additional information or if they could intervene. They said that Nelnet sent the money back to them and that they can only send it back to Nelnet if Nelnet requests it. I called Nelnet and asked them why they sent the money intended to be applied to my loan back to XXXX, especially when they knew that I had been calling about it. They did not have any answers. They put me through to XXXX in resolutions who said that he would file an investigation. I keep calling and they still have no answers and the money has not been applied to my loan balance.
Product: Debt collection

XX/XX/XXXX a lawsuit was filed in XXXX XXXX over non-payment of home owner 's association dues owed to XXXX in the XXXX ( a legitimate debt ). 
XXXX XXXX - Letter from XXXX XXXX XXXX indicated that the amount remitted was insufficient - a new check was issued for {$4200.00} and negotiated by XXXX XXXX XXXX on XX/XX/XXXX on the condition was that the debt would be discharged and the lawsuit would be dismissed ( case # PCL XXXX ). 
XX/XX/XXXX I was notified by the XXXX in the XXXX office that the balance had not been paid XXXX XXXX - XXXX XXXX XXXX XXXX with a written response, copies of the cancelled check and to date, have not received a dismissal of the lawsuit or acknowledgement of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both companies, TransUnion and XXXX, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a TransUnion that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from Synchrony Bank, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from XXXX XXXX  XXXX XXXX I disputed the XXXX  inquiry, however XXXX is requesting I send documentation from XXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting on my credit report without consent and Bill of Sale did not come from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my file 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  Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; 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 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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
Product: Mortgage

This manufactured home is located in XXXX XXXX XXXX XXXX, dba XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX a land-lease community. The resident was evicted in XX/XX/XXXX from XXXX XXXX, XXXX, MI XXXX. The home was financed by Conseco, which was bought by Ditech, which was then bought by XXXX XXXX. We sent letters to Conseco and Ditech on XX/XX/XXXX as our first attempt to collect the site rent due, included with that letter was a copy of the Futernik v Vanderbilt Mortgage and finance Michigan Court of Appeals ruling. We sent a second letter on XX/XX/XXXX, trying to collect the site rent owed, including the Michigan case law again. We sent a third communictaion on XX/XX/XXXX including an invoice for site rent owed. We sent two copies, one regular post and the second certified. 
We completed a title search on XX/XX/XXXX through the State of Michigan which listed Conseco Financial Servicing Corp. as the first Secured Party on the title. On XX/XX/XXXX we received our regular post letter from XX/XX/XXXX back unopened. 
On XX/XX/XXXX We sent our fourth letter to Ditech Financial. On XX/XX/XXXX we sent another letter to Ditech Certified mail and received confirmation of this letter being received by Ditech. On XX/XX/XXXX, there was a noticed placed on the home stating the home was under XXXX XXXX XXXX, a subsidiary of XXXX XXXX, and the home was winterized. On XX/XX/XXXX we sent XXXX XXXX XXXX a package containing previous communications and an updated invoice for the site rent. We never heard back from them. 
On XX/XX/XXXX we received an email from XXXX XXXX  listing the home serial number XXXX, at XXXX XXXX XXXX, MI XXXX for auction to be sold on XX/XX/XXXX. I sent an email to the email listed and received an email back indicating that they only had possession of the home since XX/XX/XXXX and only owe site rent since that time. 
I have included all communications and documentation deemed pertinent. I also verified that no new title has been requested since the original title in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I was a XXXX XXXX student from XX/XX/XXXX to XX/XX/XXXX and received all of my loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). After graduation, I began to make payments to XXXX believing they were qualifying towards the public service loan forgiveness program ( PSLF ). I made such payments for three or four years before learning that the payments could not and would not be counted towards PSLF.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu/ XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for Explain and show me how they calculated what they said I owe Provide me with copies of any papers that show I agreed to pay what they say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you they are licensed to collect in my state Provide me with their license numbers and Registered Agent or Agent of Service At this time, I also informed XXXX that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX  , XXXX  or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character XXXX provided the following documentation A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them. 

Since reaching out to XXXX, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. 

The information provided by Dept of Edu / XXXX includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ XXXX has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX , XXXX  and TransUnion } should be sent to me immediately. I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Product: Debt collection

I've contacted Transunion to remove XXXX XXXX XXXX XXXX due to the debt being paid and is currently not a collection. It is still stating as a collection on my credit report.
Product: Bank account or service

Company debits my checking account to pay my mortgage. Now I 'm on " temporary suspension '' doe to government involvement for fraud. I have to make my own mortgage payments. I no longer want to work with this company and due to a break in contract I want my set-up fee refunded.
Product: Money transfer, virtual currency, or money service

I 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. 
The lack of accountability is concerning as a customer and non-acceptable.
Product: Checking or savings account

On Sunday, XX/XX/XXXX, I had a balance of {$8000.00} in my Ally online savings account ending in XXXX. On XX/XX/XXXX I initiated a transfer of {$5000.00} from my Ally savings account ending in XXXX to my newly opened Ally investment account ending in XXXX. I will attempt to attach a screenshot documenting that I initiated this transfer. Since it was a weekend, I knew the transfer would not appear in my account until Monday XX/XX/XXXX, but I had no reason to believe that Ally, with which I have banked for several years, would remove the money from my checking account and fail to transfer it into my investment account, which is what occurred. 

On Tuesday XX/XX/XXXX, I checked online to confirm the funds had been transferred from XXXX to XXXX. The screenshots I will attempt to attach showed the funds were subtracted from XXXX on XX/XX/XXXX but were never transferred to XXXX, so I called Ally and spoke with XXXX. She acknowledged my transfer instructions and that the {$5000.00} had been withdrawn from XXXX but never deposited to XXXX. She could account for my missing {$5000.00} but suggested it XXXX have had something to do with my browser. 

XXXX 's suggestion is untenable for two reasons : 1. I have used the same browser for my Ally transactions consistently over a long period of time without problems ; 2. I called Ally and obtained help with the transfer from an Ally employee, who reminded me that, due to the weekend, the transfer would not show up in my account until Monday. In actuality the transferred funds were deleted from savings that day, but never transferred to the investment account. 

When I spoke with XXXX yesterday, she gave me a case # ( XXXX ) ; she said the matter would be researched and resolved by today. She said that the funds would be returned to my checking account by today. Yet it is past mid-afternoon, and I have heard nothing from Ally. If I try to contact Ally by phone to check, the wait time is over half an hour, which is especially unacceptable since Ally caused this situation and has wasted hours of my time already in addition to mishandling my funds. It is now Wednesday XX/XX/XXXX, three days after the attempted transfer, and my {$5000.00} remains missing.
Product: Debt collection

Several attempts were made by Discover Card to reach my roommate by telephone -- which I feel is beyond unethical and unacceptable. I am trying to catch-up on bills and feel that they should not reach out to random people -- like your roommate. 

The Executive Office acknowledged on XX/XX/2020 that the company did indeed make these calls. Can you please make sure other parties aren't enduring the same unethical behavior and make contact with the company? 

Thank you for your time and all you do!
Product: Credit card or prepaid card

Dear Apple/GS Card ; I was shocked today when I reviewed my credit report and found late payment on the dates below : XXXX XXXX  30 DAYS ( DURING THE TIME I WAS HOSPITALIZED WITH XXXX? ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Debt collection

My XXXX XXXX Credit card is in collections with Midland Credit Management. The balance of the collection has increased. I just disputed this debt. Now all of a sudden the collections amount increases. Per your site, this is and illegal act. Midland Credit Management is in violation with such actions. The original debt is {$650.00}. As of today, its now {$650.00}. Which has impacted my credit score by a decrease of 9 points. This account has been in collections since 2019. With the amount owed. {$650.00}. Now all of sudden. After I depute the ownership of such collection account. The amount owed increased. And my credit score dropped 9 points.
Product: Mortgage

I had went under contract to buy a house. The sellers didnt inform the listing agent of liens on the house. So after 3 and half months of being under contract a company named " ocwen '' came in from no where and swooped up the house and auctioned it off. We gave them everything they needed to call off the sale. They didnt and we lost over a thousand dollars we put into this house. My loan was approved, the house was appraised, inspections had been done and a bunch of repairs had been made. They sold the house for XXXX less than they were getting from me. Im so frustrated. So is all the realtors and my lender. What should i do?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My brother ( XXXX XXXX XXXX XXXX XXXX  ) stole my identity in 2018. He opened several credit card and checking accounts under my name. He was subsequently prosecuted and jailed for these actions. 

I have been trying to get XXXX XXXX XXXX XXXX XXXXXXXX XXXX to remove the credit card account from my Equifax credit report for years. I have disputed the information through Equifax. I have written numerous letters to XXXXXXXX XXXX with police and FTC Identity Theft Reports. To no avail. They do not respond. 

However, they continue to verify that the credit card account on my Equifax report as accurate, sometimes changing minute details.
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 tak timely and effective measures to prevent : 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 redres
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect they are not legitimate. I urge you to conduct a thorough investigation and promptly remove them from my credit profile. I have submitted supporting documents for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help take care of the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( XXXX XXXX ) be removed and blocked from my credit file in accordance with the laws of The FCRA.
Product: Checking or savings account

I received my XXXX return tax check from IRS on the the XXXX of XXXX I went to the Bank on XX/XX/XXXX I deposited check amount of {$7100.00} I was being told by the supervisor that some of the funds will be clear on the account the next day and they will put a hold on the Remaining, the next day I find out they place a hold on the account and I was not able to use my card, I went to the branch and I spoke the fraud department numerous times I provide them with everything they ask for they still holding my check the account was closed the same month in I never receive anything in the mail I contact the fraud  I was being to call IRS so they can issue me another, when I contact them they send me a claim package I fill it out and mail back to them 4 weeks later When I contact them to get an update on the claim I was being told the claim was released for me to go back to the bank and have them give me my money because the bank cashed the check then i contact the fraud department a supervisor told me go to one of a Branch and provide them with any prove that stated the check was made out to me when, I went to the bank they told me they can not help me for me to contact fraud   until they can release my money. Every time I called the fraud  department a supervisor told me the funds can not be released to me and I need to contact IRS again. Please I need help I dont know what to do anymore its been 3 1/2 months since hold my money, I havent able to pay my Rent and my phone bill for the past 3 months. Please help.
Product: Credit card

I had a credit card with TD bank account was closed I paid for deleting n it never got delete on my credit report account was opened XX/XX/XXXX and was closed XX/XX/XXXXXXXX XXXX