23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I recently had my FedLoan account transferred to XXXX after absolutely no communication or warning. This was after I requested a refund to my account, and now neither company is able to give me concrete answers on when I will be able to get this refund and WHERE the refund will be going, since XXXX has not been able to transfer accounts yet and I can not log in. 
This is unacceptable due to lack of communication or any direction whatsoever. If the refund is not processed in time, interest will start accruing at the hands of these companies who handled this situation at the worst possible time, seemingly intentionally. FedLoan has been an incredibly difficult company to work with. Those who are dealing with this situation do not know what their future financial situation with this will be whatsoever.

I can not even provide account number information because it is completely gone from FedLoan 's website.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.
Product: Student loan

On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX and his employees accessed databases maintained by the Department of Education containing my personal and financial records related to my student loans. These individuals are neither school officials nor authorized representatives, and I did not provide any authorization for such access. 

This unauthorized access constitutes a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and may also violate consumer protection laws governing student loan data security.

Upon learning of this breach, I reached out to Federal Student Aid ( FSA ) to request an investigation and secure my personal records. However, I have not received a satisfactory response regarding how my information was accessed or what steps will be taken to prevent further breaches. Given that student loan servicers and the Department of Education are responsible for protecting borrowers sensitive data, this represents a significant security failure. 

I am filing this complaint with the CFPB because my personal and financial records have been compromised, and I need assurance that my data is secure and that appropriate corrective actions are taken.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file that I believe is inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ).

I request that the item be removed [ or request another specific change ] to correct the information, as mandated by the FCRA, which requires credit reporting agencies to delete or modify information that is inaccurate, incomplete, or can not be verified.

Please reinvestigate these matters and correct the disputed items as soon as possible.

In compliance with the FCRA, please send me a corrected copy of my credit report upon completion of your investigation, and advise the creditors who received my credit report within the last six months to send me a corrected copy of their transactions with my account. 

Thank you for your prompt attention to this matter. I expect your response within the statutory timeframe of 30 days. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My credit card account was hacked by a scammer named XXXX who acted as a loan company claiming to be working with the federal government. He made payments to my account and reversed them also purchasing {$1100.00} worth of gift cards bringing my account balance overdrawn by {$1100.00} more than my credit limit amount. How could I have possibly made a purchase {$1100.00} over my credit limit? The scammer needs to be prosecuted for targeting someone like myself during a time of economic crisis due to the corona virus. Chase Amazon bank is holding me accountable to those charges and refuses to understand or help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was the victim of a scam, where someone impersonated a student at my college and claimed to sell concert tickets that didn't exist. I paid for it with a debit card and discovered the scam while the payment was pending and called Capital One National Bank before the transaction was confirmed by my bank and they confirmed the transaction anyway. The total price of the tickets was {$700.00} on two transactions and Capital One National Bank gave me a temporary credit of {$700.00}. They accepted and approved my first disputed transaction of {$500.00} and gave me a final credit for that. They then however said the second transaction was authorized and retained {$200.00} of the temporary credit, even though I called them within 24 hours of making the transaction saying that I did not authorize it. I called the bank 's customer service before either transaction went through my checking account.
Product: Credit card

I received emails saying I will be receiving a quick silver card from capital one, which I never applied for.
Product: Credit card

I've consistently made payments on time for this account, never allowing them to be late. I'm unclear as to why there are reports of late payments on my accounts. According to 15 USC 1666b, any billing errors should be corrected.
Product: Debt collection

I contacted Radius Global Solutions, LLC on XX/XX/year> in regards to a credit report pull I conducted showing that I owed money and they were a 3rd party debt collector. On XX/XX/year> I made two separate transactions to clear the debt with Radius Global Solutions, LLC. One transaction for {$1000.00} and received a confirmation number for that transaction and then another transaction for {$92.00} that I also received a confirmation number for. I requested at the time of transaction that I would be receiving something in writing that this account had been paid in full and would be removed from my credit report. The woman I spoke with confirmed they would mail a letter. I requested that a letter be emailed to me instead of mailed physically. She stated, " You don't want us to have your email address, the department that sends those is very busy and they would likely not get to it or you would never receive the letter. '' I was greatly surprised by this statement but instead she assured they would mail the letter physically and I would receive said letter in the mail. Three and a half business weeks later I still have not received said letter.
Product: Student loan

After I got divorced in 2009, I decided to return to school and got my XXXX in XXXX. By the time I finished school, my loans were approximately {$30000.00}. Unfortunately since that time I have been in financial distress and unable to repay these loans. I was advised by both XXXX XXXX and Navient that I should go into " forbearance '' until I was more financially stable. Well, with today 's economy that never happened and my forbearances have been depleted. Navient has informed me that my payments will be well over {$900.00} a month and there is NO WAY I am able to afford that. I started by loans in the amount of {$30000.00} and these loans are now up to $ 80,000+ because of these unjust fees being charged by Navient! I am XXXX years old and there is NO WAY I can afford to repay that amount of money and the customer service at Navient will no cooperate in any way shape or form. I recently heard of the civil suit against these XXXX companies and was wondering if there is anything or anyone that can be of assistance to me. I am in dire need of HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/2022 - Unauthorized Inquiry has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AFNI was included in my dispute letters sent to the credit bureaus on XX/XX/XXXX. In my most recent letter on XX/XX/XXXX, I requested the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

It is now XX/XX/XXXX, and I have not received any validation as I requested above.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information does not belong to me
Product: Credit reporting or other personal consumer reports

Formal Dispute and Demand for Compliance Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report by unlicensed debt collectors and improper handling of my dispute by Equifax Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, your company may be held civilly liable for negligent noncompliance with the law. 

I have previously disputed 2 accounts that are reporting inaccurate information and are being reported by unlicensed debt collectors, yet your company has failed to take the appropriate actions required under the FCRA. Your failure to comply has resulted in credit denial and emotional distress. 

To resolve this matter, I formally request the following actions : 1. Remove XXXX XXXX XXXX, an unlicensed debt collector off of my credit report 2. Remove XXXX XXXX XXXX, an unlicensed debt collector off of my credit report If this matter is not resolved within the time frame required by law, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action for damages as permitted under 15 U.S.C. 1681o.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off account. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, American Express ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the American Express account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for American Express ( see attached bank statement ) - On XX/XX/XXXX, American Express sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, American Express sent me a XXXX for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, American Express was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off American Express, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Product: Checking or savings account

Over a month ago I deposited XXXX dollars into my account and it was immediately suspended following the deposit. After speaking with chime I was told I needed to send in identity and address verification. I supplied documentation and the account was not unlocked. After multiple emails and phone calls that resulted in nothing happening, I requested the account be closed. I have done that 3 times now and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


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 went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to request the removal of the XXXX XXXX XXXX account # XXXX from my credit report. On XX/XX/2024I received a confirmation letter from your organization stating that the collection on this account has been terminated. 

Given this information, it is imperative that the corresponding negative entry be removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must not be reported to credit bureaus, as it can adversely impact an individual 's creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX called Midland Funding to pay I asked representative if they can send me copy of a report specify where these charges come from late fees Service charge and the representative Informed me its been a very long time for this account to be opened and I shouldnt be asking any type of questions I should just be paying for this account and they were going to be taking me to court and that they were going to send somebody to arrest me and garnishing my XXXX XXXX benefits.
Product: Credit card or prepaid card

I have contacted Capital One multiple times telling them to stop mailing credit offers to my home when the addressee doesn't live here. I have written RTS on the mail and even called them, to which the customer service associate told me that I would no longer receive mailings, but they still occur. I submitted a CFPB complaint ( XXXX ) on XXXX, and the company responded on XXXX saying they would do an opt-out for my address and addressee. So on top of them NOT doing that ( I received yet another piece of mail today, XXXX ), they also failed to fix the issue - XXXX XXXX DOES NOT LIVE AT MY ADDRESS SO STOP SENDING MAIL TO IT. That is not an opt out, it is a permanent remove from your system or fix. I've run out of options other than filing yet another complaint because they failed to correct the issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 
Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violations
Product: Credit reporting or other personal consumer reports

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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. 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. '' ( US DEPT OF EDUCATION XXXX ) 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. '' ( US DEPT OF EDUCATION XXXX ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( US DEPT OF EDUCATION XXXX ) 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. '' ( US DEPT OF EDUCATION XXXX ) 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. 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. Equifax, XXXX and XXXX 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: Debt collection

I had XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX up until XX/XX/2021 when I moved out. I had paid up any amount due up to that time. I contacted XXXX and they were able to verify that no data usage was recorded after XX/XX/XXXX. However they are still trying to charge me with service that I did not use.