23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( Experian XXXX, XXXX  XXXX, XXXX   XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.
Product: Checking or savings account

on XX/XX/2022 I was scammed into transferring {$250.00} through XXXX by a fake manager ( XXXX XXXX ) for XXXX XXXX saying my electricity will be shut off in XXXX min. Minutes after the call I realized I've been scammed when they asked for an additional {$500.00}. I hung up the phone ( but after the {$250.00} was already sent ) and called Bank Of america who sent me to their claims department. They said they will look into it but I don't believe they will refund my money. My account will overdraw if I don't get this money back right away. I always keep XXXX in my account at all times so my account won't be too low.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Transunion letters about the inaccurate information being reported on my consumer report. I requested proof of all verifiable information with the time the FCRA allows. I did not receive any proof of alleged information. In accordance with the FCRA my privacy and rights have been violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 section 602A states I have a right privacy 15 U.S.C. 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 1a 2 ( A ) ( I ) PERMISSABLE USE
Product: Student loan

On XXXX XXXX, XXXX I received a letter from Navient informing me my loan terms have changed with new terms beginning XXXX/XXXX/XXXX and ending XXXX/XXXX/XXXX. I graduated college in XXXX of XXXX and took out a 10 year term loan repayment plan which started XXXX XXXX and should have been fully paid in XXXX, 10 years from when I began loan payments. The balance to be paid over the new 10 year term ( XXXX to XXXX ) is now {$9500.00} as per the letter from Navient on XXXX/XXXX/XXXX. If the loans were properly set up and amortized when first originated in XXXX XXXX - why is n't the full balance paid at the end of the initial 10 year term from XXXX to XXXX? I called Navient upon receiving this letter dated XXXX XXXX, XXXX and the representative on the phone went immediately into applying for student loan forgiveness which I did not understand as that was not the intention of my call. When I got into specifics of the loan, the representative stated a letter was sent to me when XXXX ( now Navient ) acquired the loan. I located that notice dated XXXX/XXXX/XXXX which detailed the XXXX loans that were transferred from XXXX to XXXX ( Navient ). There is no mention on this letter of any change in terms, payment amount or similar. My loan payment amount remained the same as it was from initial origination in XXXX XXXX to all the way up to XXXX in which both loans were fixed rate term loans. If my payments were set up over a 10 year period starting from XXXX XXXX, I am not understanding why my loan has n't been fully repaid 10 years from XXXX XXXX. Instead, I received a notice stating a balance of {$750000.00} considering interest ( total {$9500.00} ) is now being rolled into a new term initiating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - at which point my payment has been reduced to {$79.00} per month. I left the call dis-satisfied and my questions not answered at all by Navient. Then I received another letter from Navient on XXXX XXXX, XXXX, stating 'We recently sent a letter detailing a required change to your monthly payment. We would like to further explain the reason for that change to help you better understand why the change took place '. Further stated, 'Navient is required, based on all of your outstanding loan balances that are included in your consolidation loa, to use the maximum number of months allowed for your repayment period. This did not occur at the time of your loans were originally consolidated. Navient is obligated to correct your repayment terms to comply with federal regulation and notify you of the change. ' So as a result - my loan has been 'reset ' as they put it to this new 10 year term, with a new balance and new payment. When it should have been fully paid off 10 years from my first payment in XXXX XXXX. I did not bother calling back Navient as they were of no help when I first received the letter dated on XXXX/XXXX/XXXX, instead I decided to go the route of contacting the CFPB and BBB.
Product: Student loan

To Whom This May Concern : I took a loan in XXXX from the Dept of Ed. Today I received a letter from Action Financial Services for a default on my student loan and this is XXXX of many. I last paid {$50.00} to the Dept of Ed XXXX XXXX 2016. They stopped sending the bill. This happens after paying right before the XXXX payment which throws me back in default. I keep trying to reach the Dept of Ed to get the bill sent to : XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX which is me who is typing the complain. 
They have went as far as taken my tax returns and NEVER applied then to the loans. I 'm concerned because they 'll tax my returns this year. I 'm at the point I 'm tired of fighting to get US Dept of Ed to except payment from me. 
I 'm a single Mom with a XXXX child that depends on my returns. I feel I 'm being scammed even thought I 've paid on and off for 10 years.I want a break down of all payments and I want to see where they applied my tax return. I 'm fighting a loosing battle. I 've spent hours of my time trying to do the right thing and pay my loan.I feel harassed by Action Financial Services XXXX CA XXXX. They wanted me to make payments to them when actually I was paying the dept of ed. 
I need this resolved with a break down of payments. All I want is to pay the bill to Dept of ED and not be harassed by AFS. At this point the time spent arguing to pay I should charge then hourly. I 'd love to be forgiven for this loan because of hardship and harassment. 
Please look into how I can start getting my bill mailed directly to me from the Dept of Ed Sincerely. 
XXXX Ohio XXXX XXXX ( cell Phone )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being hit with a hard inquiry XXXX XXXX  Inquiry date of XXXXXXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by me.
Product: Debt collection

I have debts reporting from Medical Data systems reporting on my credit reports that are inaccurate, and I need them removed. A debt for {$4200.00} acct # XXXX {$160.00} acct # XXXX {$220.00} acct # XXXX and {$600.00} acct # XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a direct deposit from my working for XXXX was put into my Chime account on the XXXX. I went to access the money to send it to a connected account and they said that my account was closed and that I was not in compliance and would not be able to receive a refund for my money, the amount was over {$600.00}
Product: Money transfer, virtual currency, or money service

I have {$2500.00} in my Cash App account under tag $ XXXX. When I tried to access my account they requested I open a new account since I didn't have the old debit card with me that was linked to the account. 

I then established a new cash account under $ XXXX. 

Both the old and new account are under email address XXXX. 

I sent an original smail on XX/XX/2019 stating I was unable to access my funds in account $ XXXX. They asked me some verification questions which I submitted promptly. 

Over the next 9 days, I sent 9 follow up emails however haven't received any response. Then I sent over 20 messages to cash app support through the application and still haven't received a response. 

In essence, I believe Cash App owed by Square has illegally prevented me from accessing my funds. Therefore I respectfully request for the FTC to investigate Square and subsidiaries. What they are doing to military and veterans who uses there service is a crime and quite frankly theft. 

Below are the details I sent 9 days ago : Hi, 1. Your first and last name : XXXX XXXX 2. $ XXXX associated with your old account : $ XXXX 3. $ XXXX associated with your new account : $ XXXX 4. The phone numbers and/or email addresses associated with your former account : XXXX 5. The phone numbers and/or email addresses associated with your new account : ( XXXX ) XXXX - XXXX / XXXX 6. Last 4 digits of the debit card The following cards throughout my use of the service : XXXX / XXXX / and card ending in XXXX or last 3 digits of the bank account linked to your old Cash App account **or** the full zip code for the debit card Zip Code for all of my cards were XXXX 7. Last 4 digits of the debit card or last 3 digits of the bank account linked to your new Cash App account : LAST THREE BANK DIGITS : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a Bankruptcy XXXX  XXXX discharged case number : XXXX on my credit report. This entry is erroneous, misleading, and an outright violation of my legal rights under the Fair Credit Reporting Act ( FCRA ). 

This bankruptcy discharge should never have appeared in my public record, and it is unequivocally inaccurate. The information provided about the bankruptcy filing contains significant discrepancies that need to be corrected immediately. You are required by law to ensure that public records are accurate and up-to-date. Your failure to do so has already caused severe and undue harm to my creditworthiness, causing unnecessary damage to my reputation, finances, and future.
Product: Debt collection

XXXX, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from XXXX was {$5400.00}, per XXXX. Client Services, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to Client services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. Client Services is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what XXXX states I owe. I tried to resolve this with Client Services, with no resolution.
Product: Debt collection

I received a copy of my credit report. To my surprise, Spring Oaks Capital LLC is reporting this account incorrectly. This collection account is not only XXXX, but also shows a past due balance of {$720.00} as of XX/XX/XXXX. According to the Fair Credit Reporting Act, I have the right to an accurate credit report. This account is being reported on the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX
Product: Debt collection

I was admitted at XXXX Hospital, XXXX XXXX, MD on XXXX/XXXX/XX/XX/XXXX with XXXX. I was discharged on XXXX/XXXX/XX/XX/XXXX and I received all my bills and settled. i viewed my credit on XXXX/XXXX/XX/XX/XXXX and saw XXXX XXXX XXXX XXXX serious delinquency had been reported by collection agency, Suburban credit corp against me. I never received any bills nor contact from them but they went ahead and reported to the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/20, I tried using my U.S. Bank XXXX to complete an online transaction. The transaction read as invalid card. I tried to withdraw funds from the ATM and the card automatically read as invalid card. I received this card on XX/XX/20 and completed the activation. The card had funds available and worked fine. I have {$1400.00} available on the prepaid card as of XX/XX/20. I am unable to access them and there is no reason why. The customer service number on the back of the card gives a busy signal each time I dial out. There is no one to offer assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( Transunion, XXXX, XXXX ) : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I requested that Experian and XXXX to removing the following accounts from my consumer report as they have violated 15 USC 1681 ( b ) by reporting the following accounts without permissible purpose. I am also requested Experian and XXXX remove the following information from my consumer report within 15 days! XXXX has yet to respond to my dispute.
Product: Checking or savings account

On XX/XX/2023, at approximately XXXXXXXX XXXX  I deposited {$5100.00} at XXXX XXXX XXXX, XXXX, FL XXXX at the Wells Fargo atm. The atm had to take the sum in increments, the first increment went by smoothly, but then the machine started spitting back money at me, which I continued to re-insert into the machine, it then said it couldn't deposit into my savings account so I clicked checking account. The machine kept taking photographs of my money as if it were a check. By the time the machine had taken all of my money, I should have received 4 receipts via email. I received only 2 receipts and my online banking reflected only {$2900.00} in my savings and {$600.00} in my checking. I promptly called my bank. The lady told me she could see a total of {$1200.00} in my checking and {$2900.00} in my savings. She assured me that I would get my {$1000.00} back after an investigation, and she gave me case number XXXX. They then gave me a provisionary credit to my savings account and have now reversed that credit with a letter stating that the investigation concluded that my deposit of {$2900.00} is accurate, this is impossible. I put {$5100.00} into that machine, it recorded {$600.00} two times in my checking for a total of {$1200.00}, and {$2900.00} in my savings account there is {$1000.00} not recorded. I don't know what else to do at this point, but I am sure that no investigation has taken place because the atm would have been {$1000.00} over. The only proof I potentially have is the atm cameras. I am now I'm out XXXX XXXX dollars with no remedy. The letter states I need to keep all receipts until the correct amount is deposited into my account, but I did not receive XXXX of the XXXX transactions via email. Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$24000.00} ; XXXX XXXX XXXX : {$240.00} ; XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$8200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Subject : PayPal Account Limitation Appeal Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account associated with the email address XXXX. 

Firstly, I would like to emphasize that I firmly believe this limitation was imposed in error. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. My account has always been used in a responsible and lawful manner. 

I kindly request that PayPal undertake a thorough review of my case. I understand the importance of upholding the integrity of the PayPal platform, and I respect your commitment to ensuring the security of all users. However, I believe that an erroneous decision has been made in my case, and I would greatly appreciate it if you could re-investigate the matter with utmost care. 

My PayPal account has been a valuable tool for managing my financial transactions, and its continued accessibility is of great importance to me. I kindly ask that, if upon review, it is determined that no violations have occurred, my account be reinstated promptly. This will enable me to continue utilizing PayPal 's services for my personal and business needs. 

I want to assure you that I take the use of PayPal very seriously and would never engage in any activities that could jeopardize my account status or the trust of the PayPal community. 

I sincerely hope that this issue can be resolved amicably and promptly. Please let me know if there are any specific steps or information required from my end to assist in this process. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from XXXX XXXX. I called on XXXX2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.